Deciding which company has the most affordable insurance rates for active military calls for a little more effort than just quoting one company’s rates. Every auto insurer uses a slightly different approach to set their prices, so let’s rank the insurance companies with the overall cheapest rates in Mesa.
Keep in mind that Arizona insurance rates are based on many factors which can significantly increase or decrease the price of coverage. Improving your credit score, filing a claim, or getting a couple of tickets can produce rate changes that can now make some companies much cheaper than others.
Best Insurance Companies for Military
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $932 |
| 4 | USAA | $1,113 |
| 5 | Travelers | $1,119 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,164 |
| 8 | Allied | $1,209 |
| 9 | CSAA | $1,213 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,297 |
| 13 | Farmers | $1,350 |
| 14 | Unitrin | $1,357 |
| 15 | State Farm | $1,377 |
| 16 | Titan | $1,433 |
| 17 | Amica | $1,473 |
| 18 | American Family | $1,478 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,522 |
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The Hartford has some of the most affordable car insurance rates in Mesa at around $845 each year. Auto-Owners, Safeco, USAA, and Travelers would also make the list of some of the cheaper Mesa, AZ car insurance companies.
In the rate table above, if you are a customer of USAA and switched to Auto-Owners, you may see yearly savings of around $216. Drivers with Travelers might save as much as $222 a year, and GEICO policyholders might reduce rates by $234 a year.
To get a quick, customized rate comparison, click here to start your custom quote or quote prices from the following companies.
Be aware that those rates are averaged across all insureds and vehicles and are not factoring in a vehicle location for active military. So the insurer that can offer you the best rate may not even be in the top 28 companies in the list above. That underscores the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
For military personnel, one of the more important considerations that help determine car insurance rates is where your residence is. Regions with larger populations or more claims are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.
The following table ranks the most expensive areas in Arizona for active military to purchase a policy in. Mesa is listed at #5 with an annual cost of $1,159 on average, which is approximately $97 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,190 |
| 3 | San Tan Valley | $1,185 |
| 4 | Avondale | $1,174 |
| 5 | Mesa | $1,159 |
| 6 | Buckeye | $1,156 |
| 7 | Gilbert | $1,154 |
| 8 | Tempe | $1,152 |
| 9 | Peoria | $1,126 |
| 10 | Chandler | $1,126 |
| 11 | Goodyear | $1,120 |
| 12 | Maricopa | $1,118 |
| 13 | Scottsdale | $1,117 |
| 14 | Tucson | $1,094 |
| 15 | Surprise | $1,090 |
| 16 | Casa Grande | $1,047 |
| 17 | Casas Adobes | $1,040 |
| 18 | Catalina Foothills | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $992 |
| 21 | Flagstaff | $941 |
| 22 | Prescott | $924 |
| 23 | Bullhead City | $869 |
| 24 | Sierra Vista | $863 |
| 25 | Lake Havasu City | $852 |
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Rate quotes are estimated as the garaging address in Mesa can raise or lower price quotes noticeably.
Discount Mesa car insurance
Insurance companies that offer quotes for active military may also give you policy discounts that can lower rates by 40% or more if you can meet the requirements. Companies and the discounts they provide can be read below.
- State Farm has savings for passive restraint, good driver, accident-free, anti-theft, safe vehicle, and driver’s education.
- GEICO discounts include membership and employees, military active duty, multi-policy, seat belt use, daytime running lights, and emergency military deployment.
- Progressive offers premium reductions for homeowner, online signing, good student, online quote discount, and multi-policy.
- 21st Century may offer discounts for anti-lock brakes, good student, early bird, theft prevention, and homeowners.
- American Family may include discounts for TimeAway discount, Steer into Savings, air bags, good student, multi-vehicle, mySafetyValet, and good driver.
- The Hartford policyholders can earn discounts including defensive driver, air bag, bundle, anti-theft, vehicle fuel type, and good student.
- AAA includes discounts for AAA membership discount, multi-car, education and occupation, anti-theft, pay-in-full, and good driver.
The example below shows the comparison of car insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, safe-driver, vehicle safety, claim-free, passive restraint, and defensive driving course discounts applied. When discounts are applied, the average amount saved each year on insurance for active military is 28% or $482.
Picking the highest-rated car insurance company can be a challenge considering how many choices drivers have in Arizona. The information below can help you pick which companies you want to consider when shopping car insurance rates for active military.
The rankings below include the companies with a significant amount of written premium nationwide, so smaller companies are not taken into consideration for these rankings. To compare prices from the most competitive companies in Arizona, simply click here.
Top 10 Large Car Insurance Companies Overall in Mesa
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Large Car Insurance Companies in Mesa Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Why you should be shopping around
Mesa, AZ insurance rates are impacted by many factors which can substantially decrease or increase the price of coverage. Simply improving your credit, buying a home, or having a fender bender may cause policy rate changes that can now make some companies more affordable than the competition.
Not only may your risk profile change, but insurers change premium rates multiple times each year in order to maintain liquidity for claims. A period of higher than normal claims can result in rate increases, while lower claim expenses may result in lower-priced Mesa car insurance rates.
For example, the chart below shows which company has the cheapest car insurance in Mesa, AZ for a 40-year-old female driver with a clear driving record, no claims, and good credit. Based on her current risk profile, The Hartford might quote the cheapest car insurance rates in Mesa at $1,126 annually. This is $302 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are the remainder of the top five cheapest Mesa, AZ auto insurance companies.
Now we will pretend the driver from the first example an accident claim, bad credit, and a speeding citation. Since each insurance company uses a different method for establishing rates, getting updated rate quotes may now present a different list of companies as shown below.
GEICO now has the best price on car insurance in Mesa, AZ with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual completing the list. This illustrates why drivers need to take the time to shop around to get cheap car insurance quotes for active military.
Insurance prices can be altered by many factors and can change without notice, so the best company six months ago may now be quite expensive.