Compare Rates and Save on Auto Insurance

widget-location-pin

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.

MoneyGeek Logo IconCheapest + BestCar InsuranceMesa
2023

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.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$335

$28

Auto-Owners Insurance Co

$343

$29

Travelers

$345

$29

Mercury

$353

$29

Mercury

$363

$30

Travelers

$369

$31

Travelers

$386

$32

Country Financial

$423

$35

Country Financial

$428

$36

State Farm

$460

$38

Auto-Owners Insurance Co

$468

$39

Root Insurance Company

$468

$39

Root Insurance Company

$471

$39

State Farm

$489

$41

GEICO

$499

$42

Root Insurance Company

$504

$42

Mercury

$504

$42

Hartford

$513

$43

GEICO

$526

$44

Progressive

$531

$44

Progressive

$532

$44

Allstate

$552

$46

Farmers

$565

$47

Iowa Farm Bureau

$576

$48

Hartford

$578

$48

Farmers

$587

$49

Country Financial

$595

$50

State Farm

$595

$50

GEICO

$602

$50

Progressive

$620

$52

Iowa Farm Bureau

$621

$52

Allstate

$634

$53

Allstate

$640

$53

Nationwide

$658

$55

Farmers

$692

$58

Nationwide

$692

$58

Travelers

$706

$59

Auto-Owners Insurance Co

$707

$59

CSAA

$709

$59

Travelers

$712

$59

Root Insurance Company

$721

$60

Root Insurance Company

$722

$60

Auto-Owners Insurance Co

$737

$61

Iowa Farm Bureau

$753

$63

Hartford

$770

$64

Root Insurance Company

$778

$65

CSAA

$828

$69

Travelers

$843

$70

GEICO

$849

$71

GEICO

$851

$71

Nationwide

$871

$73

State Farm

$905

$75

Hartford

$911

$76

CSAA

$939

$78

Progressive

$943

$79

State Farm

$981

$82

Progressive

$985

$82

Hartford

$1,005

$84

Auto-Owners Insurance Co

$1,011

$84

Mercury

$1,016

$85

Iowa Farm Bureau

$1,033

$86

Allstate

$1,034

$86

Farmers

$1,040

$87

GEICO

$1,044

$87

Mercury

$1,060

$88

Farmers

$1,073

$89

Iowa Farm Bureau

$1,113

$93

Allstate

$1,131

$94

Allstate

$1,184

$99

Progressive

$1,223

$102

State Farm

$1,241

$103

CSAA

$1,245

$104

Country Financial

$1,264

$105

Farmers

$1,293

$108

Iowa Farm Bureau

$1,314

$109

Nationwide

$1,338

$111

Country Financial

$1,412

$118

Hartford

$1,417

$118

CSAA

$1,450

$121

The General

$1,452

$121

Mercury

$1,503

$125

Nationwide

$1,509

$126

The General

$1,630

$136

CSAA

$1,644

$137

Country Financial

$1,814

$151

Nationwide

$1,823

$152

The General

$2,171

$181

The General

$2,933

$244

The General

$3,052

$254

The General

$4,255

$355

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.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$335

$28

Auto-Owners Insurance Co

$343

$29

Travelers

$345

$29

Mercury

$353

$29

Mercury

$363

$30

Travelers

$369

$31

Travelers

$386

$32

Country Financial

$423

$35

Country Financial

$428

$36

State Farm

$460

$38

Auto-Owners Insurance Co

$468

$39

Root Insurance Company

$468

$39

Root Insurance Company

$471

$39

State Farm

$489

$41

GEICO

$499

$42

Root Insurance Company

$504

$42

Mercury

$504

$42

Hartford

$513

$43

GEICO

$526

$44

Progressive

$531

$44

Progressive

$532

$44

Allstate

$552

$46

Farmers

$565

$47

Iowa Farm Bureau

$576

$48

Hartford

$578

$48

Farmers

$587

$49

Country Financial

$595

$50

State Farm

$595

$50

GEICO

$602

$50

Progressive

$620

$52

Iowa Farm Bureau

$621

$52

Allstate

$634

$53

Allstate

$640

$53

Nationwide

$658

$55

Farmers

$692

$58

Nationwide

$692

$58

Travelers

$706

$59

Auto-Owners Insurance Co

$707

$59

CSAA

$709

$59

Travelers

$712

$59

Root Insurance Company

$721

$60

Root Insurance Company

$722

$60

Auto-Owners Insurance Co

$737

$61

Iowa Farm Bureau

$753

$63

Hartford

$770

$64

Root Insurance Company

$778

$65

CSAA

$828

$69

Travelers

$843

$70

GEICO

$849

$71

GEICO

$851

$71

Nationwide

$871

$73

State Farm

$905

$75

Hartford

$911

$76

CSAA

$939

$78

Progressive

$943

$79

State Farm

$981

$82

Progressive

$985

$82

Hartford

$1,005

$84

Auto-Owners Insurance Co

$1,011

$84

Mercury

$1,016

$85

Iowa Farm Bureau

$1,033

$86

Allstate

$1,034

$86

Farmers

$1,040

$87

GEICO

$1,044

$87

Mercury

$1,060

$88

Farmers

$1,073

$89

Iowa Farm Bureau

$1,113

$93

Allstate

$1,131

$94

Allstate

$1,184

$99

Progressive

$1,223

$102

State Farm

$1,241

$103

CSAA

$1,245

$104

Country Financial

$1,264

$105

Farmers

$1,293

$108

Iowa Farm Bureau

$1,314

$109

Nationwide

$1,338

$111

Country Financial

$1,412

$118

Hartford

$1,417

$118

CSAA

$1,450

$121

The General

$1,452

$121

Mercury

$1,503

$125

Nationwide

$1,509

$126

The General

$1,630

$136

CSAA

$1,644

$137

Country Financial

$1,814

$151

Nationwide

$1,823

$152

The General

$2,171

$181

The General

$2,933

$244

The General

$3,052

$254

The General

$4,255

$355

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.

Loading...
  • coins2 icon

    Compare

    Compare minimum and full coverage policies.

  • find icon

    Find a match

    Get matched with an insurer in Mesa.

  • financialPlanning icon

    Save

    Save hundreds of dollars per year.

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.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$335

$28

Auto-Owners Insurance Co

$343

$29

Travelers

$430

$36

Travelers

$455

$38

Travelers

$459

$38

Auto-Owners Insurance Co

$468

$39

Travelers

$468

$39

Travelers

$486

$41

Travelers

$496

$41

Travelers

$498

$41

Auto-Owners Insurance Co

$522

$43

Root Insurance Company

$522

$44

Root Insurance Company

$526

$44

State Farm

$526

$44

State Farm

$526

$44

Travelers

$534

$45

Auto-Owners Insurance Co

$535

$45

Travelers

$546

$45

Mercury

$558

$47

State Farm

$559

$47

State Farm

$559

$47

Root Insurance Company

$561

$47

GEICO

$574

$48

Country Financial

$578

$48

State Farm

$579

$48

Progressive

$581

$48

Root Insurance Company

$585

$49

Country Financial

$586

$49

Root Insurance Company

$587

$49

Root Insurance Company

$590

$49

Root Insurance Company

$590

$49

Mercury

$598

$50

GEICO

$608

$51

Progressive

$611

$51

State Farm

$615

$51

Root Insurance Company

$629

$52

Root Insurance Company

$634

$53

Mercury

$647

$54

Progressive

$663

$55

Hartford

$666

$55

Progressive

$673

$56

State Farm

$681

$57

State Farm

$681

$57

Farmers

$698

$58

GEICO

$699

$58

Progressive

$699

$58

Auto-Owners Insurance Co

$707

$59

Auto-Owners Insurance Co

$708

$59

Country Financial

$717

$60

Auto-Owners Insurance Co

$726

$60

Country Financial

$727

$61

Auto-Owners Insurance Co

$728

$61

Mercury

$733

$61

Country Financial

$735

$61

Mercury

$736

$61

Iowa Farm Bureau

$737

$61

Auto-Owners Insurance Co

$737

$61

GEICO

$737

$61

Hartford

$740

$62

Country Financial

$745

$62

Hartford

$746

$62

State Farm

$750

$62

Progressive

$758

$63

Mercury

$775

$65

Farmers

$776

$65

Progressive

$783

$65

Iowa Farm Bureau

$794

$66

Hartford

$795

$66

Root Insurance Company

$798

$67

Root Insurance Company

$799

$67

GEICO

$799

$67

Nationwide

$802

$67

Farmers

$806

$67

Country Financial

$815

$68

Farmers

$822

$69

Mercury

$822

$69

Nationwide

$836

$70

Progressive

$836

$70

Hartford

$852

$71

Root Insurance Company

$859

$72

CSAA

$864

$72

GEICO

$872

$73

Progressive

$886

$74

Root Insurance Company

$887

$74

Root Insurance Company

$887

$74

Allstate

$894

$74

Farmers

$900

$75

Root Insurance Company

$903

$75

Root Insurance Company

$905

$75

Hartford

$911

$76

Farmers

$913

$76

Farmers

$930

$78

Root Insurance Company

$955

$80

Iowa Farm Bureau

$961

$80

Country Financial

$967

$81

Allstate

$972

$81

Travelers

$974

$81

Root Insurance Company

$978

$82

Auto-Owners Insurance Co

$987

$82

Iowa Farm Bureau

$994

$83

Hartford

$998

$83

GEICO

$999

$83

Farmers

$1,005

$84

Auto-Owners Insurance Co

$1,011

$84

CSAA

$1,014

$84

Nationwide

$1,015

$85

GEICO

$1,017

$85

Country Financial

$1,022

$85

Allstate

$1,024

$85

Travelers

$1,025

$85

State Farm

$1,026

$86

State Farm

$1,026

$86

Mercury

$1,034

$86

Travelers

$1,035

$86

Mercury

$1,038

$86

Allstate

$1,040

$87

Auto-Owners Insurance Co

$1,040

$87

Farmers

$1,050

$88

CSAA

$1,055

$88

Iowa Farm Bureau

$1,072

$89

Travelers

$1,074

$89

Auto-Owners Insurance Co

$1,079

$90

Travelers

$1,081

$90

Travelers

$1,094

$91

CSAA

$1,102

$92

Allstate

$1,108

$92

State Farm

$1,110

$92

State Farm

$1,110

$92

Allstate

$1,115

$93

Progressive

$1,115

$93

State Farm

$1,122

$94

Progressive

$1,128

$94

Allstate

$1,128

$94

Travelers

$1,135

$95

GEICO

$1,136

$95

Travelers

$1,145

$95

CSAA

$1,156

$96

Hartford

$1,165

$97

GEICO

$1,180

$98

Travelers

$1,190

$99

Nationwide

$1,205

$100

State Farm

$1,212

$101

Hartford

$1,231

$103

GEICO

$1,236

$103

Hartford

$1,250

$104

GEICO

$1,254

$104

Nationwide

$1,255

$105

CSAA

$1,255

$105

Allstate

$1,273

$106

Allstate

$1,283

$107

GEICO

$1,286

$107

Iowa Farm Bureau

$1,299

$108

Progressive

$1,308

$109

CSAA

$1,314

$109

Iowa Farm Bureau

$1,322

$110

Hartford

$1,325

$110

GEICO

$1,332

$111

Progressive

$1,333

$111

Iowa Farm Bureau

$1,339

$112

Progressive

$1,362

$114

Farmers

$1,363

$114

Auto-Owners Insurance Co

$1,373

$114

Farmers

$1,397

$116

Hartford

$1,404

$117

State Farm

$1,406

$117

State Farm

$1,406

$117

Auto-Owners Insurance Co

$1,421

$118

Iowa Farm Bureau

$1,425

$119

CSAA

$1,439

$120

Hartford

$1,442

$120

Iowa Farm Bureau

$1,444

$120

Auto-Owners Insurance Co

$1,489

$124

Farmers

$1,501

$125

CSAA

$1,506

$125

Hartford

$1,508

$126

Nationwide

$1,512

$126

GEICO

$1,529

$127

Progressive

$1,530

$128

CSAA

$1,536

$128

State Farm

$1,537

$128

Nationwide

$1,545

$129

Hartford

$1,553

$129

Farmers

$1,559

$130

Progressive

$1,561

$130

Progressive

$1,579

$132

Farmers

$1,580

$132

Nationwide

$1,595

$133

Allstate

$1,604

$134

Mercury

$1,624

$135

Nationwide

$1,652

$138

Country Financial

$1,677

$140

Iowa Farm Bureau

$1,681

$140

Farmers

$1,686

$140

Farmers

$1,719

$143

Mercury

$1,733

$144

The General

$1,741

$145

Allstate

$1,743

$145

Farmers

$1,744

$145

Iowa Farm Bureau

$1,748

$146

Mercury

$1,763

$147

Allstate

$1,775

$148

Iowa Farm Bureau

$1,787

$149

CSAA

$1,788

$149

Progressive

$1,802

$150

Nationwide

$1,823

$152

Allstate

$1,837

$153

Nationwide

$1,852

$154

Country Financial

$1,865

$155

Hartford

$1,891

$158

CSAA

$1,895

$158

The General

$1,896

$158

GEICO

$1,918

$160

Farmers

$1,923

$160

Iowa Farm Bureau

$1,926

$161

Allstate

$1,927

$161

Country Financial

$1,931

$161

Allstate

$1,950

$162

Country Financial

$1,951

$163

Auto-Owners Insurance Co

$1,967

$164

Mercury

$1,989

$166

Allstate

$1,999

$167

The General

$2,000

$167

CSAA

$2,005

$167

CSAA

$2,033

$169

GEICO

$2,046

$170

Country Financial

$2,054

$171

GEICO

$2,063

$172

The General

$2,068

$172

Mercury

$2,130

$178

Nationwide

$2,137

$178

Country Financial

$2,147

$179

Hartford

$2,155

$180

Allstate

$2,156

$180

CSAA

$2,229

$186

Hartford

$2,231

$186

The General

$2,231

$186

Allstate

$2,238

$187

Mercury

$2,270

$189

Iowa Farm Bureau

$2,272

$189

CSAA

$2,363

$197

Mercury

$2,398

$200

Iowa Farm Bureau

$2,404

$200

Country Financial

$2,413

$201

Nationwide

$2,475

$206

The General

$2,490

$207

The General

$2,503

$209

CSAA

$2,544

$212

Iowa Farm Bureau

$2,591

$216

The General

$2,617

$218

Country Financial

$2,654

$221

CSAA

$2,693

$224

Nationwide

$2,721

$227

The General

$2,736

$228

Country Financial

$2,814

$235

Mercury

$2,829

$236

Mercury

$3,023

$252

Iowa Farm Bureau

$3,056

$255

Nationwide

$3,172

$264

Nationwide

$3,216

$268

Nationwide

$3,462

$289

The General

$3,519

$293

The General

$3,741

$312

The General

$3,822

$319

Nationwide

$3,913

$326

The General

$4,154

$346

The General

$4,157

$346

The General

$4,620

$385

The General

$4,920

$410

The General

$5,147

$429

The General

$5,387

$449

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$950

$1,490

Travelers

$1,001

$1,539

Travelers

$1,051

$1,648

Travelers

$1,062

$1,821

Travelers

$1,086

$1,703

Travelers

$1,137

$1,748

Travelers

$1,165

$2,017

Travelers

$1,168

$1,968

Travelers

$1,211

$1,862

Travelers

$1,304

$2,210

Travelers

$1,329

$2,240

Travelers

$1,331

$2,524

Auto-Owners Insurance Co

$1,396

$2,894

Travelers

$1,430

$3,059

Auto-Owners Insurance Co

$1,450

$3,138

State Farm

$1,474

$4,222

Auto-Owners Insurance Co

$1,479

$3,066

Travelers

$1,488

$2,523

Travelers

$1,496

$2,876

Farmers

$1,520

$2,411

Auto-Owners Insurance Co

$1,527

$3,304

Farmers

$1,567

$2,553

Auto-Owners Insurance Co

$1,571

$3,679

Auto-Owners Insurance Co

$1,596

$3,758

Auto-Owners Insurance Co

$1,609

$3,482

Auto-Owners Insurance Co

$1,619

$4,067

State Farm

$1,630

$4,668

GEICO

$1,636

$4,005

Travelers

$1,660

$3,551

State Farm

$1,675

$4,689

Progressive

$1,686

$2,126

Auto-Owners Insurance Co

$1,694

$3,511

Travelers

$1,696

$3,629

State Farm

$1,713

$5,652

Travelers

$1,755

$4,574

GEICO

$1,770

$2,013

State Farm

$1,775

$5,084

Allstate

$1,780

$2,589

Auto-Owners Insurance Co

$1,785

$3,923

Progressive

$1,788

$2,218

GEICO

$1,788

$2,202

GEICO

$1,792

$2,570

GEICO

$1,798

$2,045

Allstate

$1,806

$2,626

Progressive

$1,807

$3,275

Allstate

$1,810

$2,633

Allstate

$1,821

$2,748

GEICO

$1,832

$2,257

State Farm

$1,842

$6,124

Nationwide

$1,863

$3,400

GEICO

$1,869

$2,696

GEICO

$1,877

$2,430

GEICO

$1,877

$2,323

State Farm

$1,884

$5,274

Auto-Owners Insurance Co

$1,895

$5,421

Nationwide

$1,897

$5,131

GEICO

$1,900

$2,161

Auto-Owners Insurance Co

$1,909

$4,798

Nationwide

$1,915

$3,794

GEICO

$1,916

$2,359

GEICO

$1,926

$5,378

Auto-Owners Insurance Co

$1,939

$4,262

Auto-Owners Insurance Co

$1,951

$4,682

Progressive

$1,961

$3,546

Allstate

$1,964

$2,801

Progressive

$1,977

$2,492

Progressive

$1,980

$2,455

State Farm

$2,001

$6,602

Travelers

$2,011

$4,302

GEICO

$2,018

$2,911

Allstate

$2,027

$2,887

GEICO

$2,032

$3,186

GEICO

$2,032

$3,225

Nationwide

$2,047

$6,190

GEICO

$2,054

$2,945

Allstate

$2,067

$2,948

Progressive

$2,077

$4,204

Progressive

$2,077

$3,101

State Farm

$2,085

$5,834

Allstate

$2,085

$3,149

Progressive

$2,092

$3,043

Nationwide

$2,092

$3,818

Travelers

$2,095

$5,592

Allstate

$2,102

$2,998

Progressive

$2,104

$3,814

State Farm

$2,110

$7,016

State Farm

$2,110

$7,912

GEICO

$2,140

$5,240

Progressive

$2,146

$2,662

Farmers

$2,154

$4,463

GEICO

$2,154

$6,016

Progressive

$2,183

$2,753

Nationwide

$2,191

$3,999

Nationwide

$2,195

$4,802

State Farm

$2,245

$7,325

Nationwide

$2,246

$4,449

Auto-Owners Insurance Co

$2,277

$5,179

Farmers

$2,285

$4,917

Farmers

$2,297

$4,245

Allstate

$2,310

$3,299

Progressive

$2,331

$4,763

Nationwide

$2,350

$5,704

Auto-Owners Insurance Co

$2,350

$6,528

Nationwide

$2,358

$4,671

Farmers

$2,375

$4,921

GEICO

$2,376

$8,507

GEICO

$2,376

$8,203

Farmers

$2,389

$5,468

Progressive

$2,394

$9,160

Progressive

$2,399

$4,338

State Farm

$2,417

$9,046

Farmers

$2,421

$4,690

Farmers

$2,430

$10,816

Allstate

$2,457

$3,874

Farmers

$2,462

$5,298

Farmers

$2,474

$3,924

Farmers

$2,489

$5,854

Auto-Owners Insurance Co

$2,502

$5,689

Farmers

$2,517

$3,993

Auto-Owners Insurance Co

$2,559

$6,587

Farmers

$2,568

$11,709

Farmers

$2,577

$4,198

Nationwide

$2,620

$8,468

Allstate

$2,624

$3,736

State Farm

$2,631

$9,836

State Farm

$2,633

$8,591

Progressive

$2,656

$10,237

Farmers

$2,660

$4,332

Auto-Owners Insurance Co

$2,665

$7,403

Farmers

$2,673

$11,899

Nationwide

$2,706

$9,802

Nationwide

$2,706

$9,802

Auto-Owners Insurance Co

$2,707

$8,624

State Farm

$2,761

$10,332

Nationwide

$2,768

$10,473

State Farm

$2,775

$11,781

Nationwide

$2,833

$7,664

Farmers

$2,848

$12,987

Progressive

$2,902

$12,788

Allstate

$2,953

$4,768

Progressive

$2,969

$11,360

Farmers

$2,978

$17,048

State Farm

$3,045

$11,278

Nationwide

$3,061

$11,627

Farmers

$3,174

$18,725

Progressive

$3,180

$14,040

Nationwide

$3,195

$13,361

Nationwide

$3,195

$13,361

Allstate

$3,210

$4,584

Progressive

$3,244

$12,503

Nationwide

$3,270

$14,300

Nationwide

$3,292

$9,955

State Farm

$3,491

$12,928

State Farm

$3,506

$14,744

Allstate

$3,780

$5,863

Allstate

$3,906

$6,059

Allstate

$3,942

$6,421

Allstate

$5,160

$7,267

Allstate

$5,334

$7,512

Allstate

$5,442

$8,213

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.

Company
Annual Premium
Monthly Premium

USAA

$237

$20

USAA

$238

$20

USAA

$278

$23

Auto-Owners Insurance Co

$335

$28

Auto-Owners Insurance Co

$343

$29

Travelers

$345

$29

Mercury

$353

$29

Mercury

$363

$30

Travelers

$369

$31

Travelers

$386

$32

Country Financial

$423

$35

Country Financial

$428

$36

State Farm

$460

$38

Auto-Owners Insurance Co

$468

$39

Root Insurance Company

$468

$39

Root Insurance Company

$471

$39

State Farm

$489

$41

GEICO

$499

$42

Root Insurance Company

$504

$42

Mercury

$504

$42

Hartford

$513

$43

GEICO

$526

$44

Progressive

$531

$44

Progressive

$532

$44

Allstate

$552

$46

Farmers

$565

$47

Iowa Farm Bureau

$576

$48

Hartford

$578

$48

Farmers

$587

$49

Country Financial

$595

$50

State Farm

$595

$50

GEICO

$602

$50

Progressive

$620

$52

Iowa Farm Bureau

$621

$52

Allstate

$634

$53

Allstate

$640

$53

Nationwide

$658

$55

USAA

$674

$56

Farmers

$692

$58

Nationwide

$692

$58

Travelers

$706

$59

Auto-Owners Insurance Co

$707

$59

CSAA

$709

$59

USAA

$712

$59

Travelers

$712

$59

Root Insurance Company

$721

$60

Root Insurance Company

$722

$60

Auto-Owners Insurance Co

$737

$61

Iowa Farm Bureau

$753

$63

Hartford

$770

$64

Root Insurance Company

$778

$65

CSAA

$828

$69

Travelers

$843

$70

GEICO

$849

$71

GEICO

$851

$71

USAA

$853

$71

Nationwide

$871

$73

State Farm

$905

$75

Hartford

$911

$76

CSAA

$939

$78

Progressive

$943

$79

State Farm

$981

$82

Progressive

$985

$82

Hartford

$1,005

$84

Auto-Owners Insurance Co

$1,011

$84

Mercury

$1,016

$85

Iowa Farm Bureau

$1,033

$86

Allstate

$1,034

$86

Farmers

$1,040

$87

GEICO

$1,044

$87

Mercury

$1,060

$88

Farmers

$1,073

$89

Iowa Farm Bureau

$1,113

$93

Allstate

$1,131

$94

Allstate

$1,184

$99

Progressive

$1,223

$102

State Farm

$1,241

$103

CSAA

$1,245

$104

Country Financial

$1,264

$105

Farmers

$1,293

$108

Iowa Farm Bureau

$1,314

$109

Nationwide

$1,338

$111

Country Financial

$1,412

$118

Hartford

$1,417

$118

CSAA

$1,450

$121

The General

$1,452

$121

Mercury

$1,503

$125

Nationwide

$1,509

$126

The General

$1,630

$136

CSAA

$1,644

$137

Country Financial

$1,814

$151

Nationwide

$1,823

$152

The General

$2,171

$181

The General

$2,933

$244

The General

$3,052

$254

The General

$4,255

$355

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.

California
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

Progressive

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?

Auto-Owners Insurance

pros

Excellent pricing and customer service

Above-average claims handling

Provides diminished value coverage and accident forgiveness coverage

cons

No new car replacement coverage

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

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?

Auto-Owners Insurance

pros

Great coverage and customer satisfaction scores

Offers diminished value coverage and gap insurance

Third most affordable option

cons

Doesn’t offer new car replacement coverage or rideshare insurance

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

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?

Auto-Owners Insurance

pros

The most affordable at $343 per year

Has safe driving, pay-in-full and honing device discounts

Perfect affordability score and great coverage rating

cons

Doesn’t offer driver’s education discount or defensive driving discounts

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.