Who Has Affordable Car Insurance for Drivers with Bad Credit in Mesa?

Wouldn’t it be perfect if we could look into our crystal ball and tell you the best company in Mesa that has the best deal on coverage for drivers with bad credit? It’s not that easy, however, as there are a whole slew of unknown factors like if you have a lapse in coverage, if you are married, your gender, and if you are a homeowner or renter. The information below covers the best ways to shop for cheaper coverage and will hopefully give you a solid foundation to find cheaper car insurance in Arizona.

The make and model of vehicle to be insured is one of the main factors that determines if you can find cheap auto insurance for drivers with bad credit. Vehicles with limited top-end speed, advanced safety features, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The data below outlines coverage costs for some of the most economical automobiles to insure.

Cheapest Vehicles to Insure in Mesa, AZ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Toyota Prius $1,518
Ford Explorer XLT AWD $1,539
Honda CR-V LX 2WD $1,571
Ford Escape XLS 4WD $1,578
Chevrolet Equinox LS AWD $1,621
Dodge Grand Caravan Crew $1,653
Hyundai Elantra SE Touring Station Wagon $1,704
Toyota Corolla XLE $1,707
Ford F-150 XLT Regular Cab 2WD $1,728
GMC Sierra SLT Extended Cab 2WD $1,738
Jeep Wrangler Sport 4WD 2-Dr $1,741
Honda Civic SI 4-Dr Sedan $1,792
Honda Accord EX 2-Dr Coupe $1,826
Ford Focus SE 2-Dr Coupe $1,833
Nissan Altima 2.5 S 2-Dr Coupe $1,858
Chevrolet Malibu Hybrid $1,861
Volkswagen Jetta LE 4-Dr Sedan $1,866
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in specific location which can lower or raise auto insurance rates considerably.

Looking at the numbers, cars like the Toyota Prius, Ford Explorer, Honda CR-V, Ford Escape, and Chevrolet Equinox will definitely be a few of the most budget-friendly vehicles to insure for people with poor credit. The price of auto insurance will tend to be more expensive anyway just due to the fact that there is more inherent risk for drivers with bad credit, but in general those vehicles will have the least expensive rates available.

For people with poor credit, one of the largest considerations that aid in calculating auto insurance rates is where you call home. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas that tend to be more rural benefit from having to pay less for coverage.

The information below rates the most expensive areas in Arizona for drivers with bad credit in which to purchase auto insurance. Mesa ranks #5 with a yearly cost of $1,159 on average, which is approximately $97 per month.

How much is auto insurance in Mesa, AZ?
Rank City Average Per Year
1 Phoenix $1,255
2 Avondale $1,222
3 Glendale $1,214
4 San Tan Valley $1,161
5 Mesa $1,159
6 Buckeye $1,156
7 Tempe $1,152
8 Gilbert $1,142
9 Peoria $1,137
10 Scottsdale $1,129
11 Chandler $1,126
12 Maricopa $1,118
13 Tucson $1,105
14 Surprise $1,090
15 Goodyear $1,087
16 Casas Adobes $1,072
17 Oro Valley $1,062
18 Casa Grande $1,047
19 Catalina Foothills $1,040
20 Flagstaff $969
21 Yuma $963
22 Prescott $914
23 Bullhead City $878
24 Lake Havasu City $870
25 Sierra Vista $863
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Rates are comparative as specific location information can decrease or increase price quotes substantially.

Ending up with the top auto insurance provider can be difficult considering how many different companies insure vehicles in Mesa. The rank data in the next section could help you pick which car insurance providers to look at when comparing auto insurance rates for drivers with bad credit.

These ratings only include companies who write in the majority of U.S. states, so companies that only write business in Arizona or surrounding areas are not included in this list. To get price quotes and find cheaper insurance for drivers with bad credit, click here.

Top 10 Major Car Insurance Companies in Mesa Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. Safeco

Discount Mesa auto insurance rates

Cheaper Mesa, AZ insurance for people with poor creditInsurance companies that offer cheap quotes for drivers with bad credit may also give you price discounts that could potentially reduce rates by 30% or more if you meet certain criteria. Large insurance companies and some of their more popular discounts can be read below.

The example below illustrates the difference between car insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, vehicle safety, claim-free, multiple policy, marriage, and accident-free discounts applied. With discounts applied, theaverage yearly reduction on insurance for drivers with bad credit is 28% or $392.

Why you should compare rates

Arizona insurance rates are impacted by many things that may substantially change your annual premium. Improving your credit rating, getting married, or getting into an accident may generate price changes that can cause some rates to be cheaper in comparison to the competition.

Not only may your risk profile change, but auto insurance companies modify pricing without warning to reflect underwriting profits or losses. A period of increased losses can result in higher priced premiums, while a profitable period may produce more affordable Mesa car insurance rates.

For instance, the data below analyzes the cheapest car insurance in Mesa, AZ for a 45-year-old male driver with a good driving record, no prior claims, and a high credit rating. If we estimate prices based on his current situation, The Hartford may offer the lowest car insurance rates in Mesa at $1,078 per year. This is $350 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remainder of the cheapest Mesa, AZ auto insurance companies.

Now let’s give the driver from the first set of rates a claim or two, slightly worse credit, and a traffic ticket or two. Because each insurer has a proprietary formula to set their prices, getting updated rate quotes may result in a new list of companies as shown below.

GEICO now has the best insurance rate in Mesa, AZ with Ameriprise Group, CSAA, Auto-Owners, and Safeco now rounding out the top five. This shows why it is important to perform a complete rate comparison to find the best car insurance quotes for drivers with bad credit.

Car insurance prices are influenced by many factors and change frequently, so the cheapest option the last time you compared rates may now be priced much higher than other options.

How to find economical car insurance for drivers with bad credit

Here are many money-saving ideas that can help Mesa drivers locate cheaper car insurance.

That last idea is particularly vital, as we emphasized in this piece. Coverage prices in Mesa fluctuate constantly, so drivers shouldn’t be resistant to buy from a different company if a better deal can be had. Staying with the same car insurance company is fine, but it’s not a great idea if that loyalty results in overpaying hundreds every year. It only takes a couple minutes to compare rates and find cheaper insurance for drivers with bad credit.

The insurance agents in Mesa listed below are willing to aid you in deciding which coverage fits your budget, since some drivers have questions and prefer to have a professional recommendation when comparing insurance rates for people with poor credit. It can be complicated to find the best rates on your own, so getting advice from a licensed agent can give comfort knowing you have adequate coverage when you need it most.

To locate a Mesa insurance agent nearest to you, click the link at the bottom or click here to get price quotes now.

Imes Insurance Associates
2045 S Vineyard #152Mesa, AZ 85210(480) 820-2020

Canyon Lands Insurance
3654 N Power Rd # 146Mesa, AZ 85215(480) 288-5900

The Adams Agency
3851 E Main StMesa, AZ 85205(480) 924-2600

Allstate Insurance: John Lawlor
4710 E Falcon Dr Ste 111Mesa, AZ 85215(480) 807-0675

Vandy Ford – State Farm Insurance Agent
6938 E Parkway Norte #2Mesa, AZ 85212(480) 497-3933

View more Mesa, AZ insurance agencies