The best car insurance in Mesa, AZ

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Jessica OlivoJessica OlivoFreelance contributorJessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.After working in publishing and book publicity for many years, she transitioned to freelance writing full time.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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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.

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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.

Key takeaways

  • The cheapest car insurance company in Mesa is Root, with an average rate of $974 a year.

  • Root also has the cheapest rates for Mesa drivers with bad credit.

  • Arizona requires $25,000 per person/$50,000 per accident in bodily image liability coverage and $15,000 in property damage liability coverage.

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

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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

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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

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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.

Methodology

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.

Authors

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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