Updated: December 19, 2024
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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.
In Mesa, Arizona, opting for Mercury as your car insurance provider for minimum coverage can save you up to $1,159 annually compared to The General's most expensive option, highlighting the significant potential savings achievable by comparing insurers.
In Mesa, Arizona, drivers can save a substantial $2,334 annually on full coverage car insurance by comparing rates and opting for Root Insurance Company at $767 per year, as opposed to the most expensive option, The General, which costs $3,101 annually.
In Mesa, Arizona, Root Insurance Company offers military drivers the most affordable full coverage car insurance, with an annual premium of $767, making it a more cost-effective choice compared to GEICO, which charges $910 annually, and significantly cheaper than USAA, which ranks fifth with a $1,244 premium.
Why Trust MoneyGeek? We analyzed 105,568 quotes in Arizona, including the city of Mesa, from 16 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Mesa insurance providers based on ZIP codes in the in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Mesa, AZ, as of July 2024.
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:
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.
| Mercury | $450 | $37 |
| Auto-Owners Insurance Co | $498 | $41 |
| Root Insurance Company | $498 | $41 |
| GEICO | $501 | $42 |
| Country Financial | $527 | $44 |
| Progressive | $613 | $51 |
| State Farm | $618 | $52 |
| Travelers | $661 | $55 |
| Allstate | $704 | $59 |
| Farmers | $739 | $62 |
| Iowa Farm Bureau | $759 | $63 |
| Hartford | $821 | $68 |
| Nationwide | $933 | $78 |
| CSAA | $1,255 | $105 |
| The General | $1,609 | $134 |
For all cities in Arizona, including Mesa, the state determines the minimum car insurance coverages required by law. These essential protections include:
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.
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.
| Root Insurance Company | $767 | $64 |
| GEICO | $910 | $76 |
| Auto-Owners Insurance Co | $1,051 | $88 |
| Progressive | $1,158 | $97 |
| Travelers | $1,195 | $100 |
| State Farm | $1,269 | $106 |
| Farmers | $1,364 | $114 |
| Iowa Farm Bureau | $1,383 | $115 |
| Allstate | $1,419 | $118 |
| Hartford | $1,430 | $119 |
| Mercury | $1,446 | $120 |
| Country Financial | $1,456 | $121 |
| Nationwide | $1,613 | $134 |
| CSAA | $2,613 | $218 |
| The General | $3,101 | $258 |
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:
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.
| Root Insurance Company | $942 | $79 |
| Auto-Owners Insurance Co | $1,051 | $88 |
| GEICO | $1,117 | $93 |
| Travelers | $1,380 | $115 |
| State Farm | $1,436 | $120 |
| Progressive | $1,565 | $130 |
| Farmers | $1,729 | $144 |
| Iowa Farm Bureau | $1,790 | $149 |
| Hartford | $1,837 | $153 |
| Country Financial | $1,934 | $161 |
| Nationwide | $1,949 | $162 |
| Allstate | $2,396 | $200 |
| Mercury | $2,510 | $209 |
| CSAA | $3,231 | $269 |
| The General | $4,037 | $336 |
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:
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.
| Travelers | $1,755 | $3,174 |
| GEICO | $2,376 | $4,784 |
| Auto-Owners Insurance Co | $2,559 | $2,564 |
| Nationwide | $2,768 | $6,169 |
| State Farm | $2,775 | $3,711 |
| Progressive | $2,902 | $7,969 |
| Farmers | $2,978 | $10,410 |
| Allstate | $3,942 | $3,552 |
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:
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.
| Root Insurance Company | $767 | $64 |
| GEICO | $910 | $76 |
| Auto-Owners Insurance Co | $1,051 | $88 |
| Progressive | $1,158 | $97 |
| Travelers | $1,195 | $100 |
| USAA | $1,244 | $104 |
| State Farm | $1,269 | $106 |
| Farmers | $1,364 | $114 |
| Iowa Farm Bureau | $1,383 | $115 |
| Allstate | $1,419 | $118 |
| Hartford | $1,430 | $119 |
| Mercury | $1,446 | $120 |
| Country Financial | $1,456 | $121 |
| Nationwide | $1,613 | $134 |
| CSAA | $2,613 | $218 |
| The General | $3,101 | $258 |
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.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 23, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
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.
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 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 owes its exceptional MoneyGeek score to consistently high affordability and claims handling scores, ensuring customers receive great value and service. The company offers Rental Car and/or Travel Reimbursement and Roadside Assistance. It also provides reasonably common coverages like Gap Insurance and Accident Forgiveness, enhancing protection for customers against unforeseen financial losses.
Auto-Owners stands out with its Coverage Package, an offering that simplifies complex insurance needs into a more manageable and comprehensive plan. The Diminished Value Coverage addresses the reduction in a vehicle's market value after an accident, ensuring consumers are compensated for this often-overlooked depreciation. Another distinctive offering, Deductible Modification, benefits responsible drivers by waiving the collision deductible under certain conditions.
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 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 boasts a high MoneyGeek Score, largely thanks to its claims handling and customer satisfaction scores. On the coverage front, the company provides both Rental Car and/or Travel Reimbursement and Roadside Assistance, positioning it positively with the most common car insurance coverages.
The insurer stands out by offering Gap Insurance and Accident Forgiveness, which can provide critical financial protection and peace of mind for policyholders. Auto-Owners also presents the Diminished Value Coverage, which addresses the potential decrease in resale value after an accident, even when repairs are properly made.
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 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.
Auto-Owners shines thanks to its high coverage and claims handling scores, reinforcing its top position on the MoneyGeek scale. With an average annual premium of just under $500, the average driver enjoys minimal expenditure for minimum coverage.
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.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
