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Key Takeaways

  • The average annual cost of auto insurance for Mesa drivers is $1,582.
  • USAA provides the most reasonable premiums for the typical insurance buyer in Mesa.
  • In Mesa, female drivers' annual auto insurance costs are $26 higher than male drivers.
  • Reckless drivers in Mesa will have to pay $700 more for insurance than the average city driver.
  • Auto insurance is frequently more expensive for drivers with bad credit than those with good credit.

Car Insurance for Mesa

Mesa is one of Arizona's largest towns, and that is one of the reasons why auto insurance is more expensive. In addition, the likelihood of accidents increases when there are more vehicles on the road.

However, that only accounts for one of the variables used to determine auto insurance rates, which also vary from company to company. For this reason, it's crucial to shop and compare prices.

How Much Does Car Insurance Cost in Mesa?

Car insurance costs an average Mesa driver $1,582 annually. That is more expensive than the national average of $1,557 and above the average in Arizona ($1548). Also, discover more about Mesa mortgage rates that consider your marital status, age, credit score, and other typical characteristics.

Mesa (annual average) Arizona (annual average) United States
$1582 $1548 $1557

Mesa Auto Insurance Premiums by Company

The cost of car insurance might vary significantly across different car insurance providers. However, for the typical insurance purchaser in Mesa, USAA offers the most affordable premiums. Below, you'll find a list of Mesa's top affordable car insurance providers.

Company Average Annual Premium
USAA $1334
State Farm $1557
American Family $1628
Progressive $1688

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Mesa Auto Insurance Premiums by Age Group

Company Average Annual Premium
Teenagers $6594
20s $2130
30s $1563
40s $1518
50s $1419
60s $1479
70s $1891

Drivers in Mesa who are 50 and older pay the least for auto insurance ($1,419 annually). Drivers over 60 pay somewhat higher rates, or $1,479 annually.

Teenage drivers in Mesa have the highest insurance costs. However, Mesa drivers have significant premium reductions as they enter their 20s and leave the teenage age group. In Mesa, there is a $4,464 difference in the price of vehicle insurance rates between young drivers and drivers in their 20s. That shows the highest premium difference between any two age groups.

Mesa Auto Insurance Premiums by Marital Status

Marital status Average Annual Premium
Single $1466
Married $1466
Divorced $1594
Widowed $1521

A driver's marital status and gender may occasionally impact the cost of their auto insurance. Given that they are more prone to submit claims, single drivers often pay more for insurance than married drivers in most US cities. For example, Mesa's vehicle insurance rates for married drivers are $128 cheaper than those for unmarried drivers. Widowed people also pay far less in rates than single people do. It's interesting to note that in Mesa, single drivers pay more than widowed drivers.

Gender is another factor in auto insurance pricing. For example, in Mesa, female drivers pay $26 more for auto insurance annually than male drivers.

Mesa Auto Insurance Premiums by Gender

Gender Average Annual Premium
Male $1592
Female $1620

Gender is another factor in auto insurance pricing. For example, in Mesa, female drivers pay $26 more for auto insurance annually than male drivers.

Mesa Auto Insurance Premiums by Driving Record

Violation/ accident history Average Annual Premium
DUI/ DWI $2437
Reckless driving $2295
At fault accident (damages <$1000) $2037
At fault accident (damages >$2000) $2332
Speeding ticket $2026

No matter where you live, avoiding collisions and tickets is the easiest method to keep your vehicle insurance rates low. Insurance firms give low-risk drivers the gift of low rates to incentivize them to drive safely and reward at-fault accidents, DUIs, reckless driving tickets, and speeding tickets.

Driving while intoxicated and driving recklessly are two of the most expensive tickets. Car drivers convicted of reckless driving in Mesa will pay $700 more a year for insurance than the average city driver. While a ticket for speeding results in a $432 premium increase, a DUI violation might result in an $843 rise.

Mesa Auto Insurance Premiums by Credit Rating

Credit Tier Average Annual Premium
Very poor $3578
Poor $1947
Good $1594
Very Good $1441
Exceptional $1280

Credit has a significant role in insurance rating. Drivers with poor credit often pay more for auto insurance than those with strong credit. For example, in Mesa, the cost of vehicle insurance decreases by 64% when a credit score rises from the "Very Poor" category (300-579) to the "Exceptional" tier (800-850).

A significant step toward lowering the cost of auto insurance is upgrading from "Very Poor" to "Fair" credit. In Mesa, lowering your credit score to "Fair" could result in a $1,631 reduction in your yearly insurance costs.

Mesa Auto Insurance Premiums by Zip code

Zip code Average Annual Premium
85207 $1171
85205 $1200
85201 $1265
85204 $1287

You can save a lot on your car insurance if you reside in a safe neighborhood with few auto thefts, collisions, and uninsured drivers. The 85207 ZIP code is one of the most cost-effective areas in Mesa. Compared to the 85204 area, residents of this location will spend $116 less annually on auto insurance.

How to Get Cheap Auto Insurance in Mesa, Arizona

The cost of insurance is more expensive in Mesa than it is nationwide. However, given the high cost of insurance and the overall high cost of living, saving money on insurance is a great way to free up cash in your budget. Here are a few quick and simple ways to lower the price of your Mesa vehicle insurance.

  • Boost your credit score while saving money- A credit score of 800 or higher can result in annual savings of up to $241 compared to one of 670-739 points. In contrast, a low credit score may result in an annual cost increase of up to $280. Consult your agent or company for more information, as not all states employ credit scores as a rating component.
  • Drive legally to save money-It pays to obey the law if you want to acquire cheap auto insurance in Mesa. Even a few moving violations might result in a $400 annual increase in insurance costs. Rate increases of an additional $1,400 or more may result from serious criminal infractions like DWI.
  • Purchase vehicles with less expensive insurance- One of the main determinants of insurance costs is the make and model of the car you drive. For instance, insurance for a Hyundai Venue in Mesa is $460 cheaper than a Nissan 370Z each year. In addition, vehicles with a lower performance cost less.
  • By being eligible for discounts, save money-If the policyholders are members of specific professional groups, they may be eligible for discounted premiums if they drive a car with safety or anti-theft measures and are accident-free. They may also qualify for one of the numerous other reductions that may save the average Mesa driver up to $264 a year.
  • Older cars should not have optional coverage- older automobiles' comprehensive and collision coverage can drop to reduce insurance costs significantly.

Auto Insurance in Mesa: Minimum auto insurance requirements in Arizona

In Mesa, drivers must maintain:

  • A minimum of $15,000 in bodily injury liability coverage for each person
  • $30,000 in bodily injury liability coverage for each accident
  • And $10,000 in property damage liability coverage for each accident.

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Auto theft statistics in Mesa

Year Auto thefts (per 1000)
2006 123
2007 88
2008 110
2009 111
2010 85
2011 60
2012 96
2013 88
2014 84
2015 100
2016 198
2017 184
2018 216
2019 175

Be prepared for driving in Mesa

  • You can have your car inspected if you detect minor issues or simply want it tuned up or checked to ensure everything is operating as it should.
  • Exercising basic caution behind the wheel can prevent collisions and safeguard your family, yourself, and other drivers.
  • Keep your hands on the wheel and your eyes on the road.
  • Follow the posted speed limit and, if necessary, allow for additional travel time.
  • Be alert to pedestrians and bicyclists.
  • Never go through an intersection when the light is yellow.
  • Avoid making abrupt lane changes. Leaving the flow of traffic might result in accidents.

Car insurance companies in Mesa, Arizona

  • USAA
  • State Farm
  • American Family
  • Progressive

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

What is the cheapest car insurance in Mesa?

The cheapest auto insurance in Mesa costs $1334, and USAA offers it.

Which are the best auto insurance providers in Mesa?

Mesa's best auto insurance providers are USAA, State Farm, American Family, and Progressive.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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