How Much are Auto Insurance Quotes for State Employees in Mesa?

The car, truck, or SUV that needs insurance is one of the largest factors when shopping around for the best cheap coverage for state employees. Vehicles with lower acceleration and performance, an excellent safety record, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models.

The next list estimates auto insurance premiums for the cheaper vehicles to buy coverage for.

Cheapest Vehicles to Insure in Mesa, AZ
Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,308
Jeep Wrangler Sport 4WD 2-Dr $1,354
Toyota Prius $1,452
Ford Escape XLT 4WD $1,468
Honda CR-V LX 2WD $1,478
Volkswagen Jetta S 4-Dr Sedan $1,550
Ford Edge Limited AWD $1,633
Chevrolet Impala LTZ $1,638
Toyota Corolla XLE $1,633
Nissan Rogue SL 2WD $1,659
Kia Optima LX $1,666
Honda Odyssey Touring $1,664
GMC Sierra SLE Crew Cab 4WD $1,673
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in specific location information which can affect auto insurance rates significantly.

Based on these rates, you can figure that cars like the Hyundai Elantra, Jeep Wrangler, Toyota Prius, and Ford Escape are likely to be the cheapest vehicles to insure for state workers.

Establishing which companies offer the best auto insurance rates for state employees takes a little more effort than just comparing a company or two. Each insurance company has their own unique process for setting prices, so let’s take a look at the most affordable auto insurance companies in Arizona.

It’s important to understand that Mesa, AZ auto insurance rates are calculated based on many things that may substantially change the price you pay. Simply improving your credit, moving across town, or getting a speeding ticket can produce rate changes resulting in some rates now being cheaper than competitors.

Cheap Insurance Rates in Arizona

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Cheapest Arizona auto insurance companies
Rank Company Cost Per Year
1 The Hartford $811
2 Auto-Owners $915
3 Safeco $932
4 Travelers $1,075
5 USAA $1,080
6 Progressive $1,130
7 GEICO $1,142
8 CSAA $1,177
9 Ameriprise Group $1,184
10 Allied $1,197
11 Farm Bureau Mutual $1,247
12 State Farm $1,323
13 Safe Auto $1,336
14 Unitrin $1,343
15 Farmers $1,391
16 Titan $1,418
17 Amica $1,473
18 American Family $1,478
19 California Casualty $1,506
20 MetLife $1,567
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The Hartford generally has some of the most affordable car insurance rates in Mesa at around $811 per year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the more affordable Mesa, AZ insurance companies.

In the rate table above, if you have coverage with Travelers and switched to Auto-Owners, you may realize a yearly price reduction of in the vicinity of $160. Drivers with USAA could save as much as $165 a year, and Progressive insureds might reduce prices by as much as $215 a year.

To find the cheapest rates for your vehicle, click here to get a free quote or click through to the companies below.

Bear in mind that those policy rates are averaged across all types of insureds and vehicles and do not take into consideration a vehicle location for state employees. So the company that can offer the best rates for your situation may not even be in the top 28 companies in the list above. That illustrates why you need to compare prices as often as possible using your own driver data and vehicle information.

For state workers, one of the more important criteria that are looked at to help calculate car insurance rates is your address. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.

The table below ranks the most costly cities in Arizona for state employees to buy an auto insurance policy in. Mesa is listed at #6 with an annual premium of $1,147 for car insurance, which is about $96 each month.

How much does auto insurance cost in Mesa?
Rank City Premium Per Year
1 Phoenix $1,231
2 Glendale $1,214
3 Avondale $1,186
4 San Tan Valley $1,161
5 Buckeye $1,156
6 Mesa $1,147
7 Peoria $1,137
8 Chandler $1,126
9 Gilbert $1,120
10 Tempe $1,118
11 Scottsdale $1,117
12 Tucson $1,094
13 Casa Grande $1,089
14 Goodyear $1,087
15 Surprise $1,080
16 Maricopa $1,074
17 Casas Adobes $1,072
18 Catalina Foothills $1,072
19 Oro Valley $1,062
20 Flagstaff $969
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Rate information is approximated as vehicle location can revise prices significantly.

Discount Mesa car insurance rates

Cheaper Mesa, AZ auto insurance for state workersCar insurance companies that provide policies for state employees may also provide special discounts that could lower prices by as much as 40% or more if you qualify. Companies and their possible discounts can be found below.

The example below compares yearly insurance costs with and without discounts applied to the premium. The premiums assume a female driver, no claims or violations, Arizona state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, passive restraint, claim-free, homeowner, multiple policy, and safe-driver discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for state employees is 28% or $406.

Ending up with a highly-rated auto insurance provider is difficult considering how many different companies sell coverage in Arizona. The company rank data shown below could help you choose which auto insurers to look at when looking for cheaper rates.

These ratings are only comprised of large nationwide companies, so companies without a large exposure are not factored into the list. If you would like to check rates from the insurers below and more, click this link.

Mesa, AZ Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

The agents listed below are a good start to help you decide which insurance coverage you need, as some people prefer to get some help when buying car insurance for state employees. It’s not always simple to find the best coverage on your own, so insurance agents can provide satisfaction knowing you have enough coverage if you have a claim. To locate an agency close to where you live, click the link at the bottom or click here to compare price quotes.

View map of Mesa, AZ insurance agents

How to find economical auto insurance for state employees

The list below summarizes some thrifty solutions that can help Arizona drivers find lower-cost car insurance.

The final tip is extraordinarily critical, as we hit on in the prior information. Coverage prices can be modified anytime, so drivers shouldn’t be resistant to buy from a different company if a lower price can be found.

Loyalty to a specific company is fine, but it’s not a good idea if your bullheadedness ends up costing you a small fortune. It only takes a couple minutes to compare prices and find cheaper insurance for state employees in Mesa.