The average cost of car insurance in Mesa is $1,219 per year. That is about 5% less than the state average. The company with the lowest rates in the city is GEICO, at about $724 per year. MoneyGeek ranked the best car insurance companies in Mesa by driving history and coverage amount to ensure that drivers seeking high-quality, low-cost coverage can find a policy that suits their needs.
Compare the Cheapest Car Insurance Quotes in Mesa, AZ
The Cheapest and Best Car Insurance in Mesa
The Cheapest Car Insurance Companies in Mesa
On average, the most affordable insurance carriers for a full coverage policy in Mesa are:
- GEICO: $724 per year
- USAA: $788 per year (exclusive for military members and their families)
MoneyGeek analyzed Mesa’s average car insurance costs using a sample 40-year-old male driver with full coverage insurance. The policy includes both liability insurance and comprehensive and collision insurance that covers damages to your own car.
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Average Cost of Car Insurance in Mesa
The average yearly car insurance cost in Mesa is lower than both the state and national averages. In Mesa, the average annual premium is $1,219 — this is about 5% less than the Arizona average and about 14% less than the U.S. average.
The Best Car Insurance Companies in Mesa
For Mesa drivers shopping around for affordable and high-quality car insurance coverage, MoneyGeek’s ranking of the best companies in the city will come in handy. From MoneyGeek’s exclusive scoring system, the best auto insurance providers in the city for most drivers are:
- GEICO: MoneyGeek score of 90 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA received the highest score in Mesa by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek obtained these scores using various criteria, including J.D. Power customer satisfaction, financial stability and affordability ratings.
Personalized Quotes to Get You the Cheapest Car Insurance in Mesa
Individualized factors are considered by auto insurance providers when calculating car insurance quotes in Mesa. These factors include your gender and age, miles driven per year, driving history and more. In Mesa, 18-year-old drivers need to pay more than double the amount paid by 40-year-old drivers for GEICO coverage. The best way to get affordable coverage is to regularly obtain a tailored quote that takes into consideration your changing circumstances.
Shopping around for car insurance in Mesa could save you $495, which is enough to buy:
Cheapest Car Insurance in Mesa by Coverage Amount
In Mesa and other cities, the amount of car insurance coverage you purchase determines how much you pay. For instance, the minimum liability coverage costs an average of $623 per year, while full coverage insurance with higher limits costs $1,219. That is a difference of $596 annually.
Arizona Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
Because liability-only coverage offers fewer benefits, these types of plans are less expensive than full-coverage policies. In Mesa, GEICO’s full-coverage package is about $135 more expensive than a liability-only plan. However, many drivers will not mind paying the extra amount as they get additional benefits.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Mesa if You Have Driving Violations
Defensive driving is a smart idea as it can help you to maintain a clean driving record. This will also reduce your annual car insurance premium. In Mesa, GEICO policyholders who have a speeding ticket end up paying about $134 more per year for their coverage. Similarly, those with a DUI have to pay about $728 more annually for their policy.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
If you live in a safe neighborhood that has few car thefts, accidents and uninsured motorists, you can save a lot on your car insurance premium. In Mesa, one of the most affordable regions is the 85207 ZIP code. Residents of this region will pay about $116 less in yearly auto insurance costs compared to the 85204 region.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Mesa
Factors That Impact Insurance Costs in Mesa
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Mesa. How Mesa ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Mesa are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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