Mesa, AZ, Car Insurance

In Mesa, the average full coverage car insurance costs $132 per month. Rates can range from as low as $128 to as high as $366, depending on factors like policy details, vehicle type, and driver history. To help drivers understand what they might pay, the table below shows average car insurance costs for various driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Mesa, the average cost for full coverage car insurance is $1,576 per year, while the minimum coverage costs $821 annually. These rates are higher than Arizona's averages, which are $1,525 for full coverage and $759 for minimum coverage. Learn more about understanding car insurance rates.

While premiums may be rising in Arizona, you can still find cheap car insurance in Mesa. Mercury offers the lowest rate for minimum coverage at just $41 per month. For full coverage, Root Insurance Company provides the best rate at $84 per month.

Mercury offers the cheapest minimum coverage for most drivers, but prices vary. The best way to find affordable car insurance is by getting quotes from several companies. Below is a table showing the cheapest rates for different driver profiles.

Each car insurance company in Mesa sets their own rates, so comparing them is how you find the best deal. Below, we detail the most affordable options for minimum coverage and full coverage car insurance.

Mercury offers the cheapest minimum coverage auto insurance at $41 per month. GEICO follows with a rate of $52 monthly. See the breakdown of the cheapest options in the table below.

Root Insurance Company offers the cheapest full coverage car insurance in Mesa at $84 per month. Explore the full list of providers in the table below.

To find affordable car insurance in Mesa, we suggest getting quotes from multiple companies. Root Insurance Company offers the cheapest rate at $865 annually. Auto-Owners is the best cheap provider with a MoneyGeek score of 86. Check the table below for more options to consider.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,576 per year for 40-year-olds and $1,535 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Travelers offers the cheapest overall car insurance for teens in Mesa at $140 monthly, saving $83 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Travelers offers minimum coverage for young drivers at $54 per month. Root Insurance Company provides full coverage at $85 monthly. Check the table below to find the cheapest rates from different providers for various young driver profiles.

Root Insurance Company offers the most affordable auto insurance coverage overall for young drivers at $72 per month. Other options like Progressive and GEICO also provide competitive rates. The table below shows other companies with competitive rates.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Mercury and Travelers offer the cheapest car insurance in the city, but rates vary based on factors like your driving record and coverage needs. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.

Travelers offers the cheapest monthly premium for seniors at $69 for both minimum and full coverage. Progressive is the next most affordable option at $73 per month. The table below will show options of the top car insurance providers for seniors in Mesa.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

In Mesa, high-risk driver profiles pay less for both minimum coverage and full coverage compared to the state average. Those with bad credit and DUIs on their records tend to pay the most for car insurance. In contrast, accidents and speeding tickets have a smaller impact on insurance rates.

Root Insurance offers the cheapest minimum coverage for drivers with a DUI at $797 per year. For full coverage, Progressive leads with an annual rate of $1,344. Check out the table below to see more options for low-cost coverage.

*Rates are for a 40-year-old driver with good credit and a DUI.

Travelers, State Farm, and Root Insurance Company offer the most affordable car insurance for those with an at-fault accident in Mesa. Discover more about the cheapest auto insurance after an at-fault accident. The table below shows different providers in Mesa offering cheap car insurance coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Auto-Owners is the cheapest car insurance provider for drivers with a speeding ticket, offering Mesa drivers minimum coverage for $56 and full coverage for $105 monthly. Check the table below to see how other providers charge for drivers with a speeding ticket.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Mercury offers the most affordable rates for drivers with bad credit for state minimum coverage at $59 per month, while Root Insurance Company provides the cheapest full coverage at $108 monthly. See the table below to find other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Arizona, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

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

Arizona drivers must carry these coverages to meet legal requirements. For example, if you're in a car accident, your insurance will cover up to $25,000 for injuries to one person and $15,000 for property damage.

Mercury shines as the cheapest car insurance in Mesa for minimum coverage, at just $41 a month. No matter your age or credit, you'll find affordable options to suit your budget. Remember, your policy must cover Arizona's basics: bodily injury and property damage. Compare providers to secure rates that are kind to your wallet but still follow the Grand Canyon State's laws.

This FAQ section provides quick answers to common questions about finding affordable car insurance options in Mesa. Discover how to secure the best deals on state minimum coverage and more. Let's navigate your insurance journey with ease.

Mesa Driver Profile

To assess the best and most affordable auto insurance options for Mesa residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Mesa

In assessing the car insurance quotes for Mesa, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Arizona's mandated liability insurance parameters:

The minimum coverage requirements in Arizona are:

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

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Arizona providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Mesa
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Mesa. For more details on our evaluation process, check out MoneyGeek's methodology.