Cheapest and Best Car Insurance in Mesa, AZ (July 2024)

In Mesa, Arizona, Mercury offers the lowest rates for minimum coverage, while Root Insurance Company has the best prices for full coverage. Families with teens find Travelers most budget-friendly.

Despite these variations, Auto-Owners stands out for both service and overall value, scoring high in affordability and customer satisfaction. Finding the best fit depends on individual coverage needs and preferences.

Mercury offers the cheapest option in Mesa for minimum coverage car insurance. If you’re looking to save on your car insurance, finding the cheapest car insurance is crucial. Here are the two most affordable providers in Mesa:

• Mercury: $450 per year
• Auto-Owners: $498 per year

The General has the most expensive minimum coverage policy in Mesa, with an annual premium of $1,609. This is a significant price difference of $1,159 compared with Mercury, showcasing the importance of comparing car insurance quotes to secure financial savings.

State Minimum Liability Requirements

For all cities in Arizona, including Mesa, the state determines the minimum car insurance coverages required by law. These essential protections include:

• $25,000 bodily injury per person
  
• $50,000 bodily injury per accident
  
• $15,000 property damage liability per accident
  

To illustrate, if you're at fault in an accident and the other party's bodily injury expenses amount to $30,000, the minimum coverage will pay up to $25,000 for that individual. Should multiple people be injured and the total expenses exceed $50,000, you'll be responsible for paying the difference out of pocket.

MoneyGeek found that Root Insurance Company is the cheapest option in Mesa for those seeking the cheapest full coverage car insurance.

• Root Insurance Company: $767 per year
• GEICO: $910 per year

The most expensive full coverage policy in Mesa is offered by The General, at $3,101 per year. This is a stark difference of $2,334 annually when compared with Root Insurance Company, illustrating why comparing rates for full coverage policies is crucial. Full coverage policies come at a higher cost than minimum coverage due to additional protections included, such as comprehensive and collision insurance.

Do You Need Full Coverage in Arizona?

A full coverage policy in Mesa includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Root Insurance Company is the cheapest company for drivers with a poor driving record needing full coverage in Mesa. Here are the most cost-effective options for various incidents:

• Speeding ticket: Root Insurance Company ($943 per year)
• At-fault accident: Root Insurance Company ($963 per year)
• DUI: Root Insurance Company ($848 per year)

The companies with the highest rates for these offenses are The General for an at-fault accident ($4,766 per year), CSAA for a DUI ($4,282 per year), and The General again for a speeding ticket ($4,037 per year). Notably, there is a $95 difference between the annual rates of the cheapest company after a speeding ticket compared with after a DUI, highlighting how the severity of an offense can affect car insurance premiums.

In Mesa and other cities across the USA, insurance rates typically climb with the severity of a driving offense because riskier drivers are more liable to incur costs for the insurer. Drivers with a speeding ticket in Mesa may see their annual premiums average at around $3,375, in contrast to $4,316 for those with a DUI. Shopping around for insurance can lead to significant savings and better suited coverage options, especially for those with offenses.

Travelers is the cheapest option in Mesa, providing the most affordable cheapest car insurance for teens. Here are the two most competitive providers:

• Travelers: $1,755 per year for female teens and $2,095 per year for male teens
• GEICO: $2,376 per year for female teens and $2,376 per year for male teens

These rates represent the cost of adding a teenager to a policy shared with two parents. In contrast, Allstate has the highest annual premium for a teen driver in Mesa, with a particularly significant difference for male teens at $5,442. This disparity — a staggering $3,347 more per year for a female teen when comparing the cheapest and most expensive options — highlights the critical importance of comparing quotes to find the most economical rates, especially given the higher insurance risks associated with teen drivers.

In Mesa and similar cities, teens purchasing car insurance independently face steep premiums averaging $6,206 annually, compared with just $3,219 when added to a family plan. The substantial rate difference is due to insurers viewing inexperienced teen drivers as high-risk, resulting in higher costs and more stringent approval criteria for individual policies. Therefore, it is often more economical and feasible for teens to opt into a joint family insurance plan.

Root Insurance Company is the cheapest option in Mesa for those with military backgrounds seeking the cheapest car insurance for military backgrounds. The two most affordable providers are:

• Root Insurance Company: $767 per year
• GEICO: $910 per year

While USAA is known for providing excellent service tailored specifically to active-duty military members, it ranks fifth in Mesa, with an annual premium of $1,244.

In Mesa, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Selecting the ideal auto insurance is contingent on what you prioritize, whether it's service quality, cost-effectiveness, coverage options or other factors. MoneyGeek has employed distinct scoring systems to evaluate the top car insurance providers in Mesa, catering to diverse preferences.

• Best overall: Auto-Owners (MoneyGeek score 87 out of 100)
• Best for service: Auto-Owners (MoneyGeek score 86 out of 100)
• Best cheap: Auto-Owners (MoneyGeek score 91 out of 100)

Auto-Owners emerges as Mesa's leading provider, excelling in overall value, customer service and affordability.

Auto-Owners offers the best option for car insurance in Mesa, standing out with the highest overall MoneyGeek score. Here are the top two providers in Mesa for car insurance:

• Auto-Owners: MoneyGeek score of 87 out of 100 ($1,051 per year)
• State Farm: MoneyGeek score of 80 out of 100 ($1,269 per year)

Auto-Owners distinguishes itself with a high MoneyGeek score, most notably due to excellent ratings in customer satisfaction and affordability. These factors, reflecting the overall positive customer experience and reasonable costs, are the biggest contributions to their score for a full coverage policy.

Auto-Owners is the premier option in Mesa for car insurance, excelling especially in customer service. This assessment is based on overall client satisfaction, efficient claims handling, and generous coverages offered by the company, irrespective of rates.

• Auto-Owners: MoneyGeek score of 86 out of 100 ($1,051 per year)
• Mercury: MoneyGeek score of 79 out of 100 ($1,446 per year)

Auto-Owners stands out due to its exemplary performance across all evaluated categories, particularly in customer satisfaction and claims handling, which have significantly contributed to its high MoneyGeek score. This demonstrates the company's commitment to providing a superior insurance experience to its Mesa customers.

Auto-Owners is the top pick if you’re seeking the best cheap car insurance in Mesa. Delivering an impressive balance of value and service, this score showcases its commitment to affordability without sacrificing claims handling and customer satisfaction.

• Auto-Owners: MoneyGeek score of 91 out of 100 ($498 per year)
• Mercury: MoneyGeek score of 87 out of 100 ($450 per year)

Auto-Owners stands out in the Mesa market primarily due to its high satisfaction and claims scores, which contribute significantly to its MoneyGeek score, reflecting the quality of service received alongside the cost benefits for a minimum coverage policy.

In Mesa, Arizona, the average car insurance cost is $1,487 per year. This figure is slightly less than Arizona’s Arizona’s average car insurance cost of $1,511. The state average is also less than the national average, which stands at $1,781 annually, highlighting a substantial cost difference of $270 when comparing Arizona's average with the national figure.

Car insurance premiums are influenced by myriad factors, with location being a significant one. The place of residence can impact rates through local crime rates, weather risks, accident statistics and traffic congestion.

Tucson is Arizona's city with the cheapest premium at $1,087 while Phoenix has the most expensive at $1,360. This evidences a notable variance within the state itself, as Tucson's rates are $273 lower than Phoenix. Areas with lower traffic density, which are typically non-city locations, may have even lower insurance rates.