Your coverage requirements, driving profile and other factors will determine your cheapest auto insurer. For instance, Auto-Owners Insurance is the best and cheapest insurance provider in Mesa in general and for those with a speeding ticket. It’s also the best service provider. Travelers is the cheapest for full coverage and teens, USAA for military members and Root Insurance Company for drivers with at-fault accidents or a DUI on record.
Cheapest and Best Car Insurance in Mesa, AZ
Cheapest Minimum Liability Car Insurance in Mesa
The following companies offer the cheapest car insurance rates in Mesa for a minimum coverage policy:
- Auto-Owners Insurance: $343 per year
- Travelers: $345 per year
The priciest provider of minimum coverage policy is The General at $1,452 per year as of October 2022. Mercury provides the cheapest car insurance in Arizona at $322 per year, which shows how location can affect auto insurance costs.
Based on Arizona state law, a minimum coverage policy must include bodily injury and property damage, with the following limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
The insurance provider will only cover bodily injury liability of up to $25,000 per person involved in an accident and up to $50,000 per accident, no matter how many people are injured. Any costs above that are the policyholder’s responsibility.
Cheapest Full Coverage Car Insurance in Mesa
The following car insurance companies offer the least expensive full coverage policies in Mesa:
- Travelers: $712 per year
- Root Insurance Company: $722 per year
The General is the most expensive company for a full coverage policy at $2,933 per year.
Root Insurance Company is the cheapest full coverage car insurance in Arizona at $715 per year as of October 2022, slightly higher than Travelers’ rate in Mesa. This cost difference shows how location can impact auto insurance rates.
A full coverage policy includes comprehensive and collision insurance.
- Collision Insurance: Pays to replace or repair your car if you collide with an object (fence, post, etc.) or another car.
- Comprehensive Insurance: Pays to replace or repair your car if it’s stolen or damaged in a non-collision event like flooding or fire.
Older and low-value cars may not be worth the extra hundreds of dollars you’ll pay for full coverage.
Compare minimum and full coverage policies.
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Cheapest Car Insurance in Mesa After a Driving Offense
The following auto insurance providers are the most affordable for Mesa policyholders with driving violations on their records.
- Speeding ticket: Auto-Owners Insurance ($737 per year)
- At-fault accident: Root Insurance Company ($905 per year)
- DUI: Root Insurance Company ($798 per year)
The General is the most expensive after a speeding ticket ($3,519 per year), DUI ($3,822 per year) or an at-fault accident ($4,154 per year). Even the cheapest premiums will be more expensive if you have a driving violation on your record.
The amount your premiums increase after a driving violation depends on the severity of the infraction. For instance, Mesa rates will increase by an average of $366 after a speeding ticket and $764 after a DUI. However, you can still shop around and find affordable auto insurance if you have a bad driving record.
Cheapest Car Insurance in Mesa for Teens and Their Families
The cheapest auto insurers in Mesa for teenagers on a family policy are the following:
- Travelers: $2,095 per year for male and $1,755 per year for female teens
- GEICO: $2,376 per year for male and female teens
With an annual premium of $3,942 for female and $5,442 for male teens, Allstate offers the most expensive policies. Also, the Travelers rate for male teens is higher than the female rate because male teens are riskier to insure. However, the gender difference in premiums drops off in early adulthood.
Parents will find it much cheaper to enroll their teen children in an existing family policy rather than buying a separate one. In Mesa, purchasing a separate policy for a 16-year-old male costs an average of $2,895 more than adding him to a family policy. Teens are expensive to insure, so shop around to find the cheapest teen car insurance deals.
Cheapest Car Insurance in Mesa for Military Drivers
The following companies offer the cheapest car insurance for military-affiliated Mesa residents:
- USAA: $712 per year
- Travelers: $712 per year
The ranking and rates shown above are for full coverage policies. Military policyholders looking for minimum coverage will find that USAA is still the cheapest at $237 per year and Auto-Owners Insurance the second cheapest at $343 per year.
How to Compare Cheap Mesa Car Insurance Quotes Online
Comparing car insurance quotes online is essential to finding the cheapest deals in Mesa. However, the process can take more than 15 minutes per company, and you'll need to provide a lot of personal information.
To help streamline that process, you can use MoneyGeek’s car insurance calculator. You only provide your age, coverage amount, vehicle type and driving history to get quick and reliable online estimates.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Mesa: Summary
The best insurance provider for you will depend on how much you value affordability, coverage, service and other factors. Here are the highest-scoring auto insurers for different categories:
- Best overall: Auto-Owners Insurance (MoneyGeek score of 81 out of 100)
- Best for service: Auto-Owners Insurance (MoneyGeek score of 66 out of 100)
- Best cheap: Auto-Owners Insurance (MoneyGeek score of 84 out of 100)
Auto-Owners Insurance is also the best car insurance company in Arizona as a whole. Also, USAA is the best auto insurance for people connected to the military. It got a score of 85 out of 100 and offers specialized services.
The total score for a company can change depending on how each factor is weighted for different categories.
Best Overall Car Insurance in Mesa
To find the best overall car insurance in Mesa, we analyzed all aspects of the insurers, particularly affordability and service quality. The following companies come out on top:
- Auto-Owners Insurance: MoneyGeek score of 81 out of 100 ($737 per year)
- Travelers: MoneyGeek score of 79 out of 100 ($712 per year)
Auto-Owners Insurance is a well-rounded car insurance provider. It outranked its competitors in affordability and customer service. If you are a current or former member of the military, we also recommend USAA, with a score of 85 out of 100.
How was this MoneyGeek score calculated?
Excellent pricing and customer service
Above-average claims handling
Provides diminished value coverage and accident forgiveness coverage
No new car replacement coverage
Because of its affordable prices and high customer service score, Auto-Owners Insurance is the top auto insurance company in Mesa overall. The company also receives high marks for coverages and claims handling.
Auto-Owners Insurance provides a good variety of standard and uncommon coverage options. The diminished value coverage protects the money you invest in your car because, after an accident, your car's value generally decreases, even if it's repaired. This coverage compensates you for the car's reduction in value.
The company’s Personal Automobile Plus package includes more than 10 optional add-ons for one rate. It provides cell phone replacement, identity theft protection, lock re-keying and more. Auto-Owners also offers at-fault accident forgiveness. When you purchase this add-on, the company will not impose an accident penalty after the first accident for which you are at fault.
Best Car Insurance in Mesa for Customer Service
We excluded pricing and focused on customer satisfaction criteria to find the insurers offering the best customer service in Mesa.
- Auto-Owners Insurance: MoneyGeek score of 66 out of 100 ($737 per year)
- Country Financial: MoneyGeek score of 65 out of 100 ($1,412 per year)
Auto-Owners Insurance doesn't receive many customer complaints, which is a good indicator of customer satisfaction. It also offers various essential coverages and some rare benefits. Moreover, its users aren't paying a high price for good service because it's one of the most affordable companies.
How was this MoneyGeek score calculated?
Great coverage and customer satisfaction scores
Offers diminished value coverage and gap insurance
Third most affordable option
Doesn’t offer new car replacement coverage or rideshare insurance
Auto-Owners Insurance offers several rare coverages, including the diminished value coverage. This add-on ensures that, in the unlikely event that your car is in an accident, the insurer compensates you for any reduction in the vehicle’s value. In addition, if you collide with a car that Auto-Owners Insurance also insures and you have the deductible modification add-on, the company waives your deductible.
Gap insurance covers the difference between your car's market value and any outstanding lease or loan debt in the event of an accident. Rental car/or travel reimbursement coverage pays for a rental automobile when you cannot use your vehicle due to an accident. If you become stranded away from home, it also covers food, shelter and other incidental costs.
Best Cheap Car Insurance in Mesa
The following companies offer the best combination of cost and quality of service for policies that only meet the state’s minimum coverage requirements:
- Auto-Owners Insurance: MoneyGeek score of 84 out of 100 ($343 per year)
- Travelers: MoneyGeek score of 80 out of 100 ($345 per year)
Minimum coverage policies in Mesa have the lowest rates. However, they offer the least protection against liability costs and don’t cover your car in case of an accident.
How was this MoneyGeek score calculated?
The most affordable at $343 per year
Has safe driving, pay-in-full and honing device discounts
Perfect affordability score and great coverage rating
Doesn’t offer driver’s education discount or defensive driving discounts
Even though Auto-Owners Insurance has one of the least expensive policies in Mesa, it offers many discounts to help policyholders further reduce costs.
The insurer has discounts for bundling your car insurance with other qualifying Auto-Owners policies, insuring two or more cars, having good loss history and having a good academic record (for students). You also get a discount for installing an anti-theft system or airbags in your vehicle. Enrolling in paperless billing and paying your full annual policy on time will also save you money.
Auto-Owners offers various discounts, such as the responsible payment discount for customers who settle their payments on time for 36 consecutive months. New applicants who get a premium quote before the policy's start date are eligible for an early signing discount.
Average Cost of Car Insurance in Mesa
The average cost of auto insurance in Mesa is $1,172 as of October 2022. This is $21 less than the $1,193 average yearly cost of auto insurance in Arizona and $93 less than the $1,265 average annual rate throughout the nation. Location is just one of several variables that impact how much auto insurance costs.
These rates are for full coverage insurance with bodily injury limits of $100,000 per person and $300,000 per accident and $100,000 limits for property damage liability per accident.
About Mark Fitzpatrick