The best car insurance in Mesa, AZ

Jessica Olivo

By

Jessica Olivo

Jessica Olivo

Freelance contributor

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.

Published November 24, 2021

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The average cost of a full coverage car insurance policy in Mesa is $1,701, which is $136 more than the Arizona state average of $1,565. 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 $804 a year

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

  • Arizona requires 25,000 person/$50,000 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

$804

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Auto-Owners Insurance

$971

890

GEICO

$980

871

USAA

$1,388

890

State Farm

$1,418

881

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

85201

$1,820

85202

$1,728

85203

$1,695

85204

$1,785

85205

$1,688

85206

$1,688

85207

$1,642

85208

$1,681

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

USAA

State Farm

At-fault Accident

$1,051

$1,411

$1,535

$2,189

$1,703

DUI

$756

$1,818

$1,949

$3,528

$1,569

Driving with a suspended license

$1,055

$1,818

$1,949

$3,370

$1,569

Driving with an open container

$756

$1,818

$1,949

$2,044

$1,569

Driving with expired registration

$988

$1,005

$1,100

$2,214

$1,569

Driving without Lights

$988

$1,005

$1,100

$1,924

$1,569

Failure to show documents

$988

$1,005

$1,060

$2,214

$1,569

Failure to stop at a red light

$988

$1,005

$1,100

$1,924

$1,569

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

$1,002

GEICO

$1,387

Safeway Insurance

$2,350

Iowa Farm Bureau

$2,392

Nationwide

$2,398

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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.

I had an accident on my record years ago—will that affect my new premium?

Most insurers only look back three to five years into your driving history. If your accident happened longer ago than that, you may be fine.

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.

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.