The words “low-cost” and “insurance” really don’t belong together, specifically when shopping around for the lowest insurance rates for electric cars. In an attempt to save some money, let’s open your eyes to some of the factors that can significantly affect auto insurance rates, and find out if you can take the sting out of the next policy you buy.
One of the many considerations that are looked at to help calculate the amount you pay each year for auto insurance is where you choose to live. Areas with more people or more claims will most likely have higher rates, whereas more rural areas have the enjoyment of a little cheaper coverage.
The illustration below shows the highest-priced areas in Arizona for electric cars to purchase auto insurance in. Mesa makes the list at #6 with an annual rate of $1,147 on average, which is about $96 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,214 |
| 3 | San Tan Valley | $1,196 |
| 4 | Avondale | $1,186 |
| 5 | Scottsdale | $1,151 |
| 6 | Mesa | $1,147 |
| 7 | Chandler | $1,126 |
| 8 | Goodyear | $1,120 |
| 9 | Tempe | $1,118 |
| 10 | Buckeye | $1,110 |
| 11 | Gilbert | $1,108 |
| 12 | Tucson | $1,094 |
| 13 | Peoria | $1,093 |
| 14 | Maricopa | $1,085 |
| 15 | Oro Valley | $1,062 |
| 16 | Surprise | $1,058 |
| 17 | Casa Grande | $1,057 |
| 18 | Catalina Foothills | $1,050 |
| 19 | Casas Adobes | $1,040 |
| 20 | Yuma | $983 |
| Compare Rates Now Go | ||
Prices are comparative as the specific geographic location can raise or lower prices greatly.
Establishing which insurers offer the most affordable auto insurance rates for electric cars will take a little more sweat than just getting one or two price quotes.
Each insurance company has their own process to set premium rates, so let’s rank the auto insurance companies with the overall cheapest rates in Arizona. It’s a good idea to be aware that Mesa auto insurance rates are based on many factors that may substantially change the price you pay. Simply improving your credit, moving to a new city, or having a fender bender can trigger price changes resulting in some companies being more affordable than the competition.
Best Auto Insurance Prices for EV’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $897 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,080 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,152 |
| 8 | Ameriprise Group | $1,184 |
| 9 | Allied | $1,197 |
| 10 | CSAA | $1,225 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | Safe Auto | $1,297 |
| 13 | Unitrin | $1,317 |
| 14 | Farmers | $1,350 |
| 15 | State Farm | $1,377 |
| 16 | American Family | $1,435 |
| 17 | Titan | $1,476 |
| 18 | Amica | $1,487 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,551 |
| Compare Rates Now Go | ||
The Hartford generally has some of the lowest car insurance rates in Mesa at around $845 each year. Safeco, Auto-Owners, Travelers, and USAA are also some of the most economical Mesa, AZ auto insurance companies.
As shown in the rates above, if you buy coverage from Travelers and switched to Safeco, you could see savings of around $179. Insureds with USAA could save as much as $184 a year, and GEICO insureds might lower prices by $235 a year.
These premium estimates are averaged across all insureds and vehicles and do not take into consideration an exact vehicle garaging location for electric cars. So the auto insurance company that can offer you the lowest price may not even be in the list above. That’s why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
The car, truck, or SUV you are buying coverage for is probably the largest consideration when consumers are trying to find cheaper car insurance for electric cars. Vehicles with lower acceleration and performance, good crash test ratings, or a track record of few liability claims will cost quite a bit less to insure than high performance models. The data below illustrates insurance prices for a number of the most affordable automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $1,429 |
| Honda CR-V EX 4WD | $1,568 |
| Hyundai Elantra GLS Touring Station Wagon | $1,581 |
| Ford Edge Limited 2WD | $1,626 |
| Honda Civic DX 4-Dr Sedan | $1,633 |
| Chevrolet Equinox LT AWD | $1,656 |
| Chevrolet Malibu LS | $1,661 |
| Toyota Prius | $1,706 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,714 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,743 |
| Kia Optima LX | $1,773 |
| Dodge Grand Caravan CV | $1,778 |
| Chevrolet Impala LS | $1,781 |
| Toyota RAV4 Limited 4WD | $1,815 |
| Ford Explorer Limited AWD | $1,853 |
| Ford F-150 Lariat Crew Cab 4WD | $1,858 |
| Jeep Grand Cherokee Laredo 4WD | $1,863 |
| Find Cheaper Rates Go | |
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in garaging location in Mesa, AZ which can impact coverage rates significantly.
Based upon the rates shown, we can infer that makes and models like the Ford Escape, Honda CR-V, and Hyundai Elantra are going to be a few of the more affordable vehicles to insure for eco-friendly vehicles.
Picking the right insurer can be challenging considering how many companies sell coverage in Mesa. The company rank data displayed below could help you pick which car insurance companies to look at when looking for cheaper rates. The ratings below are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in Arizona are not factored into the list.
Top 10 Large Auto Insurance Companies in Mesa Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Large Auto Insurance Companies in Mesa Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Auto insurance rates are higher with tickets and accidents
In a perfect world, the ideal way to snag the most affordable auto insurance prices in Mesa for eco-friendly vehicles is to be a cautious driver and avoid accidents and keep your driving record clean. The information below demonstrates how traffic citations and at-fault fender-benders raise insurance premiums for each age group. The rates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
The chart shows that the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,919. Get one speeding ticket and the average cost surges to $2,163, an increase of $244 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for electric cars increases to an average of $2,846. That’s an increase of $928, or $77 per month, just for not driving responsibly!
If you would rather have professional advice when comparing insurance rates for electric cars, the agencies below can most likely help you decide which policy fits your needs best. To find an agent near you, click the button link following the list.
- Bruce Hoerner – State Farm Insurance Agent
1731 W Baseline Rd #106 – Mesa, AZ 85202 – (480) 839-5033 - Allstate Insurance: Wayne Smith
1901 E University Dr Ste 301 – Mesa, AZ 85203 – (480) 464-8766 - American Family Insurance – Tony Huberty Agency Inc.
1830 S Alma School Rd Ste 126 – Mesa, AZ 85210 – (480) 413-0231
View more Mesa, AZ insurance agents
How to find low-cost car insurance for electric cars
It is possible to find better rates, and here are some thrifty suggestions that can help drivers buy low-cost car insurance.
- Avoid having at-fault accidents
- Good credit can save money
- Lower rates by purchasing a safer vehicle
- Increase physical damage deductibles
- Drive safely
- Do not pay for full coverage if not needed
- Compare rates regularly to ensure the best deal
The last item on the list is notably crucial, as was affirmed in the prior information. Car insurance rates can be adjusted at any time, so don’t be hesitant to switch carriers if a cheaper price is available.
Staying with the same car insurance company is fine, but it’s not recommended if that devotion results in you overpaying potentially thousands of dollars a year. Spend a few minutes and compare prices and find cheaper auto insurance for electric cars in Mesa.