In Mesa, the average full coverage car insurance costs $132 per month. Rates can range from as low as $128 to as high as $366, depending on factors like policy details, vehicle type, and driver history. To help drivers understand what they might pay, the table below shows average car insurance costs for various driver profiles.
Mesa, AZ, Car Insurance
Updated: March 31, 2025
Advertising & Editorial Disclosure
Cheapest Car Insurance in Mesa: Key Takeaways
Mercury, Root Insurance Company, Auto-Owners and Travelers stand out as the most affordable car insurance options for residents seeking budget-friendly coverage in the city.
Mercury offers the cheapest car insurance in the city, with a monthly rate of $41 for minimum coverage. For full coverage, Root Insurance Company provides the best rate at $84 per month.
The average monthly cost of car insurance in the city is $69 for minimum coverage and $132 for full coverage. Rates can vary based on the driver's profile and circumstances.
Car Insurance Quotes in Mesa, AZ
| Young Drivers | $86 | $165 |
| Teens | No Data | $366 |
| Seniors | $69 | $128 |
| Drivers With a Speeding Ticket | $86 | $168 |
| Drivers With a DUI | $110 | $214 |
| Drivers With An Accident | $104 | $204 |
| Bad Credit | $161 | $335 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Mesa vs. State Average
Arizona
State Average Full Coverage Rate
$1,525
Mesa, AZ
City Average Full Coverage Rate
$1,576More:$51 more
This is 3% more expensive.
What Is the Average Car Insurance Rate in Mesa?
In Mesa, the average cost for full coverage car insurance is $1,576 per year, while the minimum coverage costs $821 annually. These rates are higher than Arizona's averages, which are $1,525 for full coverage and $759 for minimum coverage. Learn more about understanding car insurance rates.
| State Average | $759 | $1,525 |
| Mesa Average | $821 | $1,576 |
Cheapest Car Insurance Companies in Mesa
While premiums may be rising in Arizona, you can still find cheap car insurance in Mesa. Mercury offers the lowest rate for minimum coverage at just $41 per month. For full coverage, Root Insurance Company provides the best rate at $84 per month.
WHY CAR INSURANCE IN MESA IS EXPENSIVE
Car insurance is expensive in Mesa due to a mix of local and statewide factors. Traffic congestion and accident rates contribute, and Mesa ranks high among Arizona cities for insurance costs. Statewide, high numbers of uninsured drivers, frequent personal injury lawsuits, and insurance fraud push premiums up.
Cheap Car Insurance in Mesa
Mercury offers the cheapest minimum coverage for most drivers, but prices vary. The best way to find affordable car insurance is by getting quotes from several companies. Below is a table showing the cheapest rates for different driver profiles.
| Mercury | Minimum Coverage | $41 |
| Root Insurance Company | Full Coverage | $84 |
| Auto-Owners Insurance Co | Teens | $203 |
| Root Insurance Company | Young Adults | $72 |
| Travelers | Seniors | $69 |
| Travelers | Bad Credit | $91 |
| Root Insurance Company | Drivers With a DUI | $80 |
| Root Insurance Company | Drivers With An Accident | $90 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $81 |
Car Insurance Rates in Mesa by Company
Each car insurance company in Mesa sets their own rates, so comparing them is how you find the best deal. Below, we detail the most affordable options for minimum coverage and full coverage car insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Mesa
Mercury offers the cheapest minimum coverage auto insurance at $41 per month. GEICO follows with a rate of $52 monthly. See the breakdown of the cheapest options in the table below.
| Mercury | $41 | $28 |
| Progressive | $51 | $18 |
| GEICO | $52 | $17 |
| State Farm | $55 | $14 |
| Travelers | $56 | $13 |
| Auto-Owners Insurance Co | $56 | $13 |
| Root Insurance Company | $60 | $9 |
| Allstate | $61 | $8 |
| Farmers | $65 | $4 |
| Iowa Farm Bureau | $69 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Mesa
Root Insurance Company offers the cheapest full coverage car insurance in Mesa at $84 per month. Explore the full list of providers in the table below.
| Allstate | $123 | $9 |
| Auto-Owners Insurance Co | $105 | $26 |
| Farmers | $118 | $13 |
| GEICO | $96 | $36 |
| Hartford | $125 | $7 |
| Iowa Farm Bureau | $126 | $5 |
| Mercury | $113 | $19 |
| Progressive | $97 | $35 |
| Root Insurance Company | $84 | $47 |
| State Farm | $110 | $22 |
| Travelers | $99 | $33 |
Car Insurance Companies in Mesa
To find affordable car insurance in Mesa, we suggest getting quotes from multiple companies. Root Insurance Company offers the cheapest rate at $865 annually. Auto-Owners is the best cheap provider with a MoneyGeek score of 86. Check the table below for more options to consider.
| Auto-Owners Insurance Co | 86 | $969 |
| Mercury | 83 | $897 |
| State Farm | 81 | $986 |
| Travelers | 78 | $926 |
| GEICO | 77 | $886 |
| Progressive | 76 | $890 |
| Country Financial | 73 | $1,355 |
| Farmers | 73 | $1,052 |
| Allstate | 73 | $1,104 |
| Nationwide | 73 | $1,377 |
| Hartford | 71 | $1,194 |
| CSAA | 60 | $1,955 |
| The General | 40 | $2,355 |
| Iowa Farm Bureau | No Data | $1,169 |
| Root Insurance Company | No Data | $865 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Mesa by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,576 per year for 40-year-olds and $1,535 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $2,988 | $-905 |
| 17 | $2,879 | $-796 |
| 18 | $2,616 | $-533 |
| 19 | $2,241 | $-158 |
| 20 | $2,299 | $-216 |
| 21 | $1,882 | $201 |
| 22 | $1,887 | $196 |
| 23 | $1,952 | $131 |
| 24 | $1,846 | $237 |
| 25 | $1,983 | $-343 |
| 40 | $1,576 | $64 |
| 65 | $1,535 | $105 |
Cheapest Car Insurance for Teens in Mesa
Travelers offers the cheapest overall car insurance for teens in Mesa at $140 monthly, saving $83 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.
| Travelers | $140 | $83 | $218 |
| GEICO | $174 | $50 | $256 |
| Auto-Owners Insurance Co | $197 | $26 | $203 |
| Farmers | $224 | $-1 | $601 |
| Progressive | $227 | $-3 | $513 |
| State Farm | $237 | $-13 | $288 |
| Nationwide | $245 | $-22 | $560 |
| Allstate | $343 | $-120 | $288 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Mesa
Travelers offers minimum coverage for young drivers at $54 per month. Root Insurance Company provides full coverage at $85 monthly. Check the table below to find the cheapest rates from different providers for various young driver profiles.
| Travelers | Minimum Coverage | $54 |
| Root Insurance Company | Full Coverage | $85 |
| Root Insurance Company | Bad Credit | $92 |
| Root Insurance Company | Drivers With a DUI | $80 |
| Root Insurance Company | Drivers With An Accident | $91 |
| Root Insurance Company | Drivers With a Speeding Ticket | $90 |
Cheapest Car Insurance Companies for Young Drivers in Mesa
Root Insurance Company offers the most affordable auto insurance coverage overall for young drivers at $72 per month. Other options like Progressive and GEICO also provide competitive rates. The table below shows other companies with competitive rates.
| Root Insurance Company | $72 | $54 |
| Travelers | $76 | $50 |
| Progressive | $92 | $34 |
| GEICO | $94 | $32 |
| State Farm | $103 | $23 |
| Allstate | $105 | $21 |
| Auto-Owners Insurance Co | $110 | $16 |
| Farmers | $111 | $15 |
| Mercury | $114 | $12 |
| Iowa Farm Bureau | $117 | $9 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Mesa
Mercury and Travelers offer the cheapest car insurance in the city, but rates vary based on factors like your driving record and coverage needs. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.
| Mercury | Minimum Coverage | $40 |
| Travelers | Full Coverage | $87 |
| Travelers | Bad Credit | $95 |
| Progressive | Drivers With a DUI | $86 |
| State Farm | Drivers With An Accident | $95 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $78 |
Cheapest Car Insurance Companies for Seniors in Mesa
Travelers offers the cheapest monthly premium for seniors at $69 for both minimum and full coverage. Progressive is the next most affordable option at $73 per month. The table below will show options of the top car insurance providers for seniors in Mesa.
| Travelers | $69 | $30 |
| Progressive | $73 | $26 |
| State Farm | $76 | $22 |
| Root Insurance Company | $78 | $21 |
| Auto-Owners Insurance Co | $78 | $21 |
| Mercury | $79 | $20 |
| GEICO | $79 | $20 |
| Hartford | $87 | $12 |
| Farmers | $91 | $7 |
| Iowa Farm Bureau | $92 | $7 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Mesa
In Mesa, high-risk driver profiles pay less for both minimum coverage and full coverage compared to the state average. Those with bad credit and DUIs on their records tend to pay the most for car insurance. In contrast, accidents and speeding tickets have a smaller impact on insurance rates.
| State Average | $1,126 | $2,277 |
| Mesa Average | $1,210 | $2,352 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a not-at-fault accident or speeding ticket in Mesa, are taken into account by insurers for a few years. However, for serious driving offenses like a DUI, insurers may consider them longer, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Mesa
Root Insurance offers the cheapest minimum coverage for drivers with a DUI at $797 per year. For full coverage, Progressive leads with an annual rate of $1,344. Check out the table below to see more options for low-cost coverage.
| Root Insurance Company | $66 | $94 |
| Progressive | $57 | $112 |
| Travelers | $65 | $124 |
| State Farm | $62 | $125 |
| Mercury | $67 | $181 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Mesa
Travelers, State Farm, and Root Insurance Company offer the most affordable car insurance for those with an at-fault accident in Mesa. Discover more about the cheapest auto insurance after an at-fault accident. The table below shows different providers in Mesa offering cheap car insurance coverage for drivers with an at-fault accident violation.
| Root Insurance Company | $75 | $106 |
| Travelers | $64 | $120 |
| State Farm | $69 | $136 |
| Progressive | $76 | $154 |
| Country Financial | $77 | $191 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Mesa
Auto-Owners is the cheapest car insurance provider for drivers with a speeding ticket, offering Mesa drivers minimum coverage for $56 and full coverage for $105 monthly. Check the table below to see how other providers charge for drivers with a speeding ticket.
| Auto-Owners Insurance Co | $56 | $105 |
| Travelers | $60 | $113 |
| GEICO | $62 | $118 |
| State Farm | $62 | $125 |
| Progressive | $65 | $131 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Mesa
Mercury offers the most affordable rates for drivers with bad credit for state minimum coverage at $59 per month, while Root Insurance Company provides the cheapest full coverage at $108 monthly. See the table below to find other affordable options.
| Root Insurance Company | $76 | $108 |
| Travelers | $65 | $117 |
| GEICO | $80 | $153 |
| Progressive | $75 | $159 |
| Mercury | $59 | $170 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Mesa, AZ
In Arizona, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $15,000 for property damage liability per accident.
Arizona drivers must carry these coverages to meet legal requirements. For example, if you're in a car accident, your insurance will cover up to $25,000 for injuries to one person and $15,000 for property damage.
Cheap Car Insurance in Mesa: Bottom Line
Mercury shines as the cheapest car insurance in Mesa for minimum coverage, at just $41 a month. No matter your age or credit, you'll find affordable options to suit your budget. Remember, your policy must cover Arizona's basics: bodily injury and property damage. Compare providers to secure rates that are kind to your wallet but still follow the Grand Canyon State's laws.
Mesa Auto Insurance: FAQ
This FAQ section provides quick answers to common questions about finding affordable car insurance options in Mesa. Discover how to secure the best deals on state minimum coverage and more. Let's navigate your insurance journey with ease.
What is the cheapest car insurance company in Mesa, Arizona?
Mercury offers the cheapest car insurance in Mesa, Arizona, with state minimum coverage rates starting at $41 monthly, potentially saving you $28.
What is the best car insurance company in Mesa, Arizona?
Root Insurance Company, with an unrated score by MoneyGeek, offers Mesa drivers a competitive annual premium of $864 for minimum coverage auto insurance.
How much does car insurance cost on average in Mesa?
The average monthly cost for state minimum car insurance in Mesa ranges from $69 to $162.
Best Cheap Car Insurance in Mesa: Our Methodology
Mesa Driver Profile
To assess the best and most affordable auto insurance options for Mesa residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Mesa
In assessing the car insurance quotes for Mesa, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Arizona's mandated liability insurance parameters:
The minimum coverage requirements in Arizona are:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $15,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Arizona providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Mesa
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Mesa. For more details on our evaluation process, check out MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.