Cheapest Car Insurance Quotes In Mesa, AZ For 2024
Auto-Owners is the most affordable choice in Mesa, with an average monthly rate of $25.
In the search for budget-friendly car insurance in Mesa, AZ, choices can differ, but Auto-Owners distinguishes itself with its competitive rates. On average, residents can obtain car insurance for approximately $25 per month, significantly below the state’s $120 average.
For individuals seeking the most economical liability-only coverage, Auto-Owners is the top pick. Conversely, those in need of more extensive protection will discover that Auto-Owners provides the most affordable rates for full coverage policies, priced at $47 monthly. Travelers, on the other hand, offers the most budget-friendly rates for young drivers at $100 per month.
Cheapest Car Insurance Companies In Mesa, AZ
Our Methodology
Using a thorough examination that considers customer service ratings, product choices, pricing, and a detailed review of numerous online review platforms and user feedback, I've developed a detailed understanding of the car insurance market in Mesa, AZ. This perspective is shaped by over 15 years of direct involvement in the industry as a licensed insurance agent. Throughout this time, I've engaged with representatives from multiple companies and gained valuable insights through firsthand experiences.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
How Much Is Car Insurance In Mesa, AZ?
Auto-Owners provides the most affordable car insurance in Mesa, AZ, with coverage available for $123 per month.
However, when compared to average rates in both Arizona and the United States, as illustrated in the table below, Auto-Owners’ rates are notably lower.
| Area | Average Monthly Rate |
| National | $152 |
| Arizona | $120 |
| Mesa, AZ | $123 |
It’s important to consider that the average national cost encompasses a wide range of states, including high-cost ones like New York, New Jersey, and California, as well as low-cost states like Mississippi, Kentucky, and Wyoming. Rates can fluctuate based on numerous factors such as vehicle type, coverage amount, zip code, driving history, among others, resulting in variations by location.
Cheapest Car Insurance Rates In Mesa For Full Coverage
Auto-Owners offers the most affordable car insurance rates for full coverage in Mesa, with average quotes of $47 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $47 | $562 |
| GEICO | $95 | $1,141 |
| Mercury | $103 | $1,238 |
| Nationwide | $110 | $1,314 |
| Country Financial | $111 | $1,326 |
Full coverage car insurance offers comprehensive protection that extends beyond basic legal requirements. It typically combines comprehensive and collision coverages.
Comprehensive coverage shields against non-collision events such as theft, vandalism, or natural disasters, while collision coverage provides financial security for vehicle damage resulting from accidents, regardless of fault.
Cheapest Car Insurance Rates In Mesa For Minimum Coverage
Auto-Owners is the most economical car insurance provider for minimum coverage in Mesa, boasting an average monthly cost of $25.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $37 | $439 |
| Auto-Owners | $25 | $298 |
| Mercury | $43 | $514 |
| State Farm | $48 | $574 |
| Farmers | $49 | $581 |
The minimum car insurance policy should include at least the following:
- $15,000 for bodily injury per person
- $30,000 for bodily injury per accident
- $10,000 for property damage per accident
Maintaining minimum car insurance offers some protection while driving, yet it lacks collision or comprehensive coverage. Consequently, damages to your vehicle resulting from accidents, theft, or natural disasters are not covered.
Furthermore, driving uninsured is unlawful in Arizona. Failing to provide proof of insurance during a traffic stop can lead to penalties, including fines, license suspension, or more severe consequences.
Cheapest Car Insurance Rates In Mesa For Seniors
Auto-Owners offers the most affordable car insurance rates for seniors in Mesa, with average quotes amounting to $87 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $87 | $1,040 |
| GEICO | $92 | $1,095 |
| Progressive | $93 | $1,107 |
| Mercury | $101 | $1,213 |
| Allstate | $104 | $1,249 |
In Arizona, seniors may benefit from favorable car insurance rates influenced by various factors. While age often plays a role in determining insurance rates, the assumption that older age always correlates with reduced driving ability doesn’t apply universally.
Cheapest Car Insurance Rates In Mesa For Teenagers
Teenage drivers in Mesa can discover the most affordable quotes from Travelers, boasting average monthly premiums of $164.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $269 | $3,228 |
| GEICO | $196 | $2,352 |
| Progressive | $245 | $2,946 |
| Travelers | $164 | $1,966 |
| Allstate | $380 | $4,591 |
Teenage drivers typically encounter the highest car insurance premiums, primarily because of their lack of experience on the road. Insurance companies view these young drivers as high-risk individuals due to statistical data showing they are more likely to be involved in accidents and traffic violations.
Cheapest Car Insurance Rates In Mesa For Young Adults
Young adults in Mesa can benefit from the most affordable quotes provided by Travelers, with rates averaging around $100 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $115 | $1,378 |
| GEICO | $105 | $1,205 |
| CSAA | $257 | $3,020 |
| Allstate | $127 | $1,522 |
| Travelers | $100 | $1,198 |
In Arizona, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the maturation of driving habits and a corresponding decrease in risky behaviors as drivers grow older.
Statistically, young adults are less inclined to file insurance claims, indicating a reduced involvement in accidents. As a result, insurance companies lower premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.
Cheapest Car Insurance Rates In Mesa For Good Drivers
Mesa’s good drivers can secure the most affordable car insurance quotes from Auto-Owners, averaging around $25 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $37 | $439 |
| Auto-Owners | $25 | $298 |
| Mercury | $43 | $514 |
| State Farm | $48 | $574 |
| Farmers | $49 | $581 |
Drivers with clean driving records in Mesa usually receive lower car insurance rates because they are seen as lower-risk individuals. Insurance companies assess driving records to evaluate how safely a person drives. A lack of incidents, such as accidents or traffic violations, indicates that the driver is careful and less likely to file a claim.
Since insurers determine their rates based on the probability of a driver making a claim, a flawless driving record can result in substantial savings on premiums. It’s all about evaluating risk – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.
Cheapest Car Insurance Rates In Mesa For Drivers With Prior Incidents
In Mesa, drivers with records of traffic violations, including accidents, speeding tickets, or DUIs, often encounter challenges in securing affordable car insurance. Such driving infractions prompt insurance companies to categorize them as high-risk, indicating a higher likelihood of filing future insurance claims.
As a result, insurance providers increase their rates for these individuals to offset the risk of facing higher claim payouts.
Cheapest Car Insurance Rates In Mesa For Drivers With A Speeding Ticket
Auto-Owners stands out for its affordability compared to other companies, offering average rates of $75 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $75 | $898 |
| Travelers | $105 | $1,258 |
| Geico | $90 | $1,078 |
| Allstate | $190 | $2,278 |
| Progressive | $138 | $1,654 |
Cheapest Car Insurance Rates In Mesa For Drivers With An At-Fault Accident
Auto-Owners provides the most economical car insurance quotes for drivers with an at-fault incident, averaging around $110 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $110 | $1,318 |
| Travelers | $112 | $1,342 |
| Geico | $115 | $1,378 |
| Progressive | $158 | $1,894 |
| Allstate | $173 | $2,074 |
Cheapest Car Insurance Rates In Mesa For Drivers After A DUI
State Farm offers the most affordable rates for drivers after a DUI incident in Mesa, providing average monthly premiums of $103.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $103 | $1,234 |
| Nationwide | $269 | $3,286 |
| Progressive | $115 | $1,378 |
| Geico | $170 | $2,038 |
| Allstate | $212 | $2,542 |
Best Car Insurance Companies In Mesa
For drivers in Mesa, selecting the appropriate car insurance company involves not only finding affordable rates but also ensuring reliable protection on the road. Listed below are the top 10 car insurance companies in Mesa, AZ, ranked by the average monthly rates they offer.
| Company | Monthly Premium |
| Clearcover | $83 |
| Mercury | $140 |
| AssuranceAmerica Protect | $93 |
| USAA | $101 |
| ACCC | $101 |
| Ameriprise Group | $103 |
| Mercury | $147 |
| Farm Bureau | $138 |
| American Family | $118 |
| State Farm | $120 |
Average Car Insurance Rates By Age In Mesa
| Age | Average Yearly Rate |
| Teenagers | $2,940 |
| 20s | $1,800 |
| 30s | $1,176 |
| 40s | $1,032 |
| 50s | $960 |
| 60s | $960 |
| 70s | $1,080 |
Age plays a crucial role in determining car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher probability of accidents and traffic violations. As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most advantageous insurance rates are often available for drivers in their 50s and early 60s. Insurance companies use age as a measure to assess driving experience and risk potential, thus impacting the cost of premiums accordingly.
Average Car Insurance Rates By Vehicle Type In Mesa
| Vehicle | Average Monthly Rate |
| Honda Civic | $76 |
| Infiniti Ex35 | $278 |
| Acura Tl | $125 |
| Nissan Altima | $94 |
| Honda Fit | $225 |
The type of vehicle you drive significantly affects your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
Conversely, older cars or those less expensive to repair or replace may have lower premiums. Insurers take these factors into account because they directly impact the potential cost of claims – for example, repairs for a high-end car are generally more expensive than for a standard vehicle. Moreover, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.
How Much Is Car Insurance For Other Cities In Arizona?
| City | Average Monthly Rate |
| Scottsdale | $118 |
| Sedona | $83 |
| Maricopa | $110 |
| Tempe | $130 |
| Gilbert | $135 |
| Glendale | $140 |
| Surprise | $123 |
| Chandler | $120 |
| Peoria | $132 |
| Phoenix | $141 |
The city where you live has a notable impact on your car insurance rates. Insurance companies evaluate several factors associated with your location, including the likelihood of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk often results in higher premiums.
FAQs
Who has the lowest car insurance rates in Mesa?
Auto-Owners provides the lowest car insurance rates in Mesa for both the minimum coverage required by the State of Arizona and full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Mesa?
The average cost of car insurance in Mesa is approximately $123 per month. Rates vary depending on factors such as your zip code, year and model of car, driving record, and other relevant considerations.
