The average cost of a full coverage car insurance policy in Mesa is $1,741, which is $141 more than the Arizona state average of $1,600. Even though Mesa drivers pay more than some of their neighbors in surrounding cities, there are still ways to save money on car insurance.
The best way to find affordable coverage is to compare rates from multiple companies before picking a policy. Policygenius can show you quotes from top companies so you can choose the coverage that works best for your needs.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Mesa, AZ
Mesa is one of the biggest cities in Arizona, which contributes to the higher cost of car insurance. The more cars on the road, the higher the chance for accidents.
But that’s just one of the factors that goes into calculating car insurance rates, and rates will also vary from company to company, which is why it’s so important to shop around and compare rates.
Company | Average cost | JD Power Rating |
|---|---|---|
Root | $974 | -- |
Auto-Owners Insurance | $1,142 | 865 |
GEICO | $1,161 | 874 |
Travelers | $1,362 | 854 |
State Farm | $1,369 | 882 |
Cheapest car insurance rates by ZIP code in Mesa, AZ
The number of accidents and claims in your neighborhood, as well as rates of car theft and vandalism and even average repair costs will all affect what you’ll pay for car insurance coverage.
ZIP code | Average cost |
|---|---|
85215 | $1,671 |
85209 | $1,675 |
85212 | $1,675 |
85207 | $1,683 |
85208 | $1,723 |
85205 | $1,730 |
85206 | $1,731 |
85203 | $1,747 |
85202 | $1,773 |
85213 | $1,787 |
Choosing the right car insurance company in Mesa, AZ
There’s no one right car insurance company that’s best for every driver in Mesa — the best car insurance company is the one that offers you the most coverage at the lowest rates. And the only way to be sure you’re finding the right car insurance company is to shop around and compare options before picking a policy.
Policygenius makes the process easy, so you can be sure you’re finding your best rates.
Car insurance rates for drivers with driving violations in Mesa, AZ
Recent violations on your record will drive up the price of insurance, and the more serious the violation, the more you’ll pay for car insurance coverage.
Violation | Root | Auto-Owners Insurance | GEICO | Travelers | State Farm |
|---|---|---|---|---|---|
At-fault accident | $1,175 | $1,643 | $1,830 | $1,964 | $1,603 |
DUI | $1,023 | $2,113 | $2,352 | $2,165 | $1,478 |
Suspended license | $1,189 | $2,113 | $2,352 | $2,165 | $1,478 |
Open container | $1,002 | $2,113 | $2,352 | $1,855 | $1,478 |
Expired registration | $1,106 | $1,174 | $1,311 | $1,855 | $1,478 |
Driving without lights | $934 | $1,174 | $1,311 | $1,855 | $1,478 |
Running a red light | $1,153 | $1,174 | $1,311 | $1,855 | $1,478 |
Following too closely | $1,153 | $1,174 | $1,311 | $1,855 | $1,478 |
Hit and run | $1,189 | $2,113 | $2,352 | $2,165 | $1,478 |
Not-at-fault accident | $934 | $1,174 | $1,076 | $1,463 | $1,385 |
Passing a school bus | $1,153 | $1,174 | $1,311 | $2,165 | $1,478 |
Reckless driving | $1,142 | $2,113 | $2,352 | $2,165 | $1,478 |
Speeding | $1,126 | $2,113 | $2,352 | $2,165 | $1,478 |
Cheapest car insurance for drivers with a DUI in Mesa, AZ
Company | Rates for drivers with DUIs |
|---|---|
Root | $1,023 |
State Farm | $1,478 |
Auto-Owners Insurance | $2,113 |
Travelers | $2,165 |
GEICO | $2,352 |
Cheapest car insurance for drivers with a speeding ticket in Mesa, AZ
Company | Rates for drivers with speeding tickets |
|---|---|
Root | $1,126 |
State Farm | $1,478 |
Auto-Owners Insurance | $2,113 |
Travelers | $2,165 |
GEICO | $2,352 |
Cheapest car insurance for drivers with bad credit in Mesa, AZ
Drivers with poor credit will pay more for car insurance coverage, while having a higher credit score can mean lower rates. If you’re a Mesa driver with bad credit, take extra time to shop around and find your lowest rates.
Company | Rates for drivers with bad credit |
|---|---|
Root | $1,188 |
GEICO | $1,657 |
Travelers | $2,283 |
Farm Bureau | $2,392 |
Safeway Insurance | $2,509 |
Buying car insurance in Mesa, AZ
As in most states in the country, car insurance is required for all drivers in Arizona. At a minimum, you must have the following levels of coverage:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $15,000
Arizona is an at-fault state, which means the insurance company of the driver who is found to have caused an accident will pay for the other party’s medical bills and repair costs. That’s why it’s so important to set high liability levels, so you’re not left on the hook after an expensive accident.
How to get cheap car insurance in Mesa, AZ
Car insurance in Mesa can be expensive, but there are a few simple ways you can save on premiums.
Shop around: The first quote you get may not be the best. Once you know how much coverage to get, look at different quotes to find the best price.
Ask about discounts: Most companies offer safe driver discounts for people with clean driving records, discounts for students with good grades, military discounts for service members, and professional discounts for employees of a certain company or occupation.
Bundle policies. Get your car insurance from the same company that insures your home and you’ll save on both policies.
Frequently asked questions
Which company offers the cheapest insurance in Mesa?
On average, Root has the cheapest prices in Mesa, including for coverage for drivers with bad credit and traffic violations. However, cheaper isn’t always better. Make sure your policy is affordable and a good value.
Are auto insurance rates high in Arizona?
Car insurance rates in Arizona aren't the cheapest in the nation, but they aren't the most expensive either. Arizona car insurance rates fall slightly below the national average.
How often should I shop for car insurance?
You should reshop for car insurance yearly, when your car insurance policy is up for renewal, to make sure you’re not missing out on more affordable rates somewhere else.
How much is car insurance per month in Arizona?
The average car insurance rate in Arizona is $1,600 per year, which breaks down to $133 per month. The average car insurance rate for drivers in Mesa is $145 per month, which is $12 more than the state average.
