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Average Cost of Car Insurance in Mesa

Mesa$1,219
Arizona$1,284
U.S.$1,424

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.

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The Best Cheap Car Insurance Companies in Mesa

In many U.S. cities, there can be a big difference between the car insurance costs from different providers. In Mesa, for example, MetLife’s policies, on average, cost more than two and a half times as much as GEICO’s plans.

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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.

Compare Car Insurance Rates in Mesa

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Mesa by Coverage Amount

How much car insurance coverage you purchase in Mesa also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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Arizona Minimum Liability Requirements

  • Item
    Description
  • 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 by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Mesa if You Have Tickets

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.

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 region 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 Code
    State Minimumper year
  • 85207
    $1,159
  • 85205
    $1,188
  • 85201
    $1,253
  • 85204
    $1,275
iconribbontop ratedCar Insurance agentsMesa2021

Top Agents Offering Affordable Car Insurance in Mesa

1. Farmers Insurance - Jayson Hoffer1832 S Macdonald, Ste 101, Mesa, AZ, 85210
53 ratings
2. Premier Choice Insurance4135 S Power Rd, Ste 131, Mesa, AZ, 85212
16 ratings
3. Arizona National Insurance1013 S Stapley Dr, Mesa, AZ, 85204
13 ratings
4. Misty Virgil - State Farm Insurance Agent2829 E University Dr, Ste 1, Mesa, AZ, 85213
5 ratings
5. Allstate Insurance: Roger Bentley3740 E Southern Ave, Ste 201, Mesa, AZ, 85206
4 ratings

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.

accident2 icon
Most Accidents With Fatalities112th/300
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Most Car Thefts127th/300
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Most Uninsured Motorists by State24th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall290th/300
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Most Rainy Days260th/300

Shopping around for car insurance in Mesa could save you $495, which is enough to buy:


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165Cups of Coffee
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38Months of Your Favorite Streaming Service

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.

Compare Car Insurance Rates in Mesa

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.