Auto Insurance in Mesa, AZ
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Mesa.
How much does car insurance cost in Mesa?
Drivers in Mesa, Arizona, pay about $960 every six months, or $160 per month on average. Our data shows that as of 2023, Auto-Owners is the most affordable auto insurance provider in Mesa, with rates starting at $539 for a six-month policy.
Average rates in Mesa are more than the Arizona average of $874 per six months and the national average of $880, but less than other major cities in the state. Of our customers in Mesa, 40% said they are paying too much for auto insurance. To learn more about insurance requirements and typical rates in Mesa, read on.
Cheapest Auto Insurance Companies in Mesa
1st place: car owners
The first place for cheap car insurance in Mesa is for car owners. Rates average $539 for a six-month policy, which breaks down to about $90 per month.
2nd place: GEICO
GEICO is the second cheapest option at $114 per month or $685 for a six-month policy.
3rd place: Travelers
Travelers came in third with rates of $117 a month, which is $704 for a six-month policy.
Zebra Key Takeaways on Auto Insurance in Mesa:
- The average cost of an auto insurance policy in Mesa is $960 per six-month policy, or $160 per month.
- The cheapest company in Mesa is Auto-Owners ($539 every six months).
- Mesa ranks as the 19th most expensive city for auto insurance in Arizona.
- 40% of Zebra customers in Mesa said they used our product because they pay too much for car insurance.
Mesa car insurance rates by company
Full coverage auto insurance is available to Mesa residents at a reasonable cost to car owners based on our 2023 data. Of the companies we reviewed, Auto-Owners offers the cheapest rates, at $90 per month or $539 for a six-month policy. GEICO is the second best option, with a six-month policy costing $685, or $114 per month. Both companies offer rates below the Mesa average.
To learn more about highly rated auto insurance companies, check out The Zebra Customer Satisfaction Survey.
Compare prices to get the best rates
The easiest method to find affordable car insurance is to compare several companies. Our team will take care of the complicated tasks, allowing you to choose the most suitable option that fits your budget and unique requirements. Simply enter your zip code and search for quotes from reputable insurers like Progressive, Allstate, State Farm, and Nationwide (and others) to locate the cheapest auto insurance policy in Mesa.
Average Car Insurance in Mesa by Rating Factor
The rating factors that apply to you determine your personalized auto insurance rate. Most insurance companies use common factors like credit score and age, but the weight they assign to each detail can vary. For example, one insurer might put more weight on your driving and claims history, while another might put more emphasis on your credit score.
It is also normal for your insurance company to change over time, as your life circumstances and requirements change. Even if you have been with the same insurance provider for a long time, it is recommended that you get quotes every six months to a year to confirm that you are receiving adequate coverage.
Auto Insurance Premiums by Age in Mesa
Auto insurance rates are greatly influenced by age. Risk analysis is critical for insurance companies and data indicates that teen drivers pose the greatest risk on the road and are more likely to be involved in accidents than drivers in other age groups. As a result, teen drivers are charged higher premiums to offset the costs of claims paid by insurance companies. For young drivers, this expense can be a rude awakening. In Mesa, drivers in their 20s pay $3,736 per year less than teen drivers.
Therefore, with more years of driving experience and a safe driving history, teen car insurance premiums are likely to decrease significantly within a few years. To keep premiums low, parents or guardians can add a teen driver to their policy, and students can inquire about discounts for good grades and safe driving.
Zebra Tip: The cheapest companies for Mesa drivers ages 20 to 40 are Auto-Owners, Travelers and GEICO
According to our research, the 20-40 age group has the most drivers in Mesa. For a six-month policy, the average rate for this group is $1,095. By selecting one of these companies, drivers in this age range could save up to 33%.
Auto Insurance Premiums for Minimum Coverage in Mesa
Your age and credit score aren't the only factors that determine the cost of your auto insurance. The choice of coverage is also a crucial element. In Mesa, about 33% of drivers only have the minimum required level of auto insurance. While this may seem like a cost-saving measure, it can leave you financially vulnerable in the event of an accident. If you're looking for more comprehensive coverage, consider adding collision coverage or comprehensive coverage, also known as "comprehensive coverage."
These options provide greater protection in the event of an accident or other unexpected events, but typically come with a higher price and a deductible that can affect your rates. To balance full coverage with affordability, consider increasing your deductible. As your deductible increases, your premium will decrease accordingly. Keep in mind that the cost of car insurance can vary significantly depending on a variety of factors, so it's always a good idea to compare prices and quotes from multiple providers before making a decision.
If you value safety and security while driving, you'll want to consider your options carefully. Roadside assistance and uninsured motorist coverage can be a game-changer if you are in an accident involving an uninsured driver. Although they may increase your rate, these coverage options offer a higher level of safety and coverage for both you and your vehicle.
Q: Can I reduce my auto insurance coverage?
A: Possibly, if your vehicle is paid for.
If your vehicle is leased or financed, there is a high probability that there is a minimum amount of insurance coverage that you must maintain. However, those drivers in Mesa who own their vehicles outright have more flexibility. If you're thinking about dropping comprehensive or collision coverage, we recommend getting the actual cash value of your car from a trusted source like Kelley Blue Book. If your car is worth $4,000 or less, you may not need to have comprehensive coverage, which could lower your rates. However, this leaves you open to paying for the damages yourself.
Mesa car insurance rates by credit score
Credit scores are a major factor in determining auto insurance rates in most states, including Arizona. This is because insurance companies consider credit scores to be a reliable indicator of risk. According to the data, drivers with lower credit scores are more likely to have gaps in insurance coverage, engage in riskier driving behaviors, and file more claims. Therefore, having a good credit score usually translates into a lower level of risk for insurers, which usually results in better rates.
For example, in Mesa, drivers with excellent credit scores (800-850) pay 114% less than those with poor credit scores (300-579), highlighting the importance of maintaining good credit to save on insurance costs of automobile.
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