Finding dependable, budget insurance is difficult, and deciding which insurers offer the cheapest car insurance rates for used cars calls for a bit more work.
Each auto insurance company uses a different method for determining rates, so let’s begin by examining the most budget-friendly car insurance companies in Mesa. We do need to point out that Mesa, AZ car insurance rates are determined by lots of factors which can substantially change the price you pay for coverage. Simply getting older, getting married, or getting a driving violation may cause policy rate changes that can make some companies more affordable than before.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,080 |
| 6 | Progressive | $1,118 |
| 7 | GEICO | $1,142 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,197 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Unitrin | $1,303 |
| 13 | Safe Auto | $1,323 |
| 14 | Farmers | $1,337 |
| 15 | State Farm | $1,377 |
| 16 | American Family | $1,420 |
| 17 | Titan | $1,433 |
| 18 | Amica | $1,443 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,552 |
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The Hartford offers some of the cheapest car insurance rates in Mesa at around $820 annually. This is $608 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the lowest-priced Mesa, AZ auto insurance companies.
As shown above, if you are currently insured with Travelers and switched to Auto-Owners, you might achieve annual savings of in the vicinity of $187. Drivers with USAA may save as much as $192 a year, and Progressive customers might lower prices by $230 a year.
These rates are averaged across all drivers and vehicles and are not factoring in a vehicle location for used cars. So the company that fits your situation best may not even be in the top 28 companies shown above. That underscores the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.
The make and model of vehicle you are seeking coverage for is a significant factor that determines if you can find low-cost coverage for used cars. Vehicles with limited speed and performance, excellent safety ratings, or a positive history of liability claims will cost less to insure than higher performance models. The information below features car insurance costs for a number of the most budget-friendly automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,371 |
| Ford Escape XLS 4WD | $1,377 |
| Toyota Prius | $1,519 |
| Chevrolet Malibu LS | $1,622 |
| Ford Explorer Limited 2WD | $1,654 |
| Dodge Grand Caravan Crew | $1,660 |
| Ford F-150 XL Crew Cab 2WD | $1,680 |
| Ford Edge SE 2WD | $1,699 |
| Toyota Corolla S | $1,709 |
| Ford Focus SE 4-Dr Sedan | $1,743 |
| Toyota RAV4 Limited 2WD | $1,778 |
| Ford Fusion S 4-Dr Sedan | $1,784 |
| Toyota Tacoma Double Cab 4WD | $1,812 |
| Chevrolet Equinox LS AWD | $1,828 |
| GMC Sierra SLE Regular Cab 2WD | $1,837 |
| Chevrolet Impala LT | $1,828 |
| Kia Optima EX | $1,854 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rates do not factor in specific location information which can lower or raise auto insurance rates greatly.
Looking at the numbers, you can infer that cars like the Honda CR-V, Ford Escape, and Toyota Prius are going to be a few of the most economical vehicles to insure for pre-owned vehicles.
Get discounts on Mesa car insurance rates
Insurance companies that sell policies for used cars may also give you premium discounts that can lower rates by as much as 35% if you are eligible to receive them. Large car insurance companies and a summarized list of policyholder discounts are:
- 21st Century discounts include 55 and older, anti-lock brakes, theft prevention, good student, driver training, early bird, and student driver.
- Progressive has savings for continuous coverage, online quote discount, homeowner, good student, multi-vehicle, and online signing.
- State Farm may include discounts for Drive Safe & Save, defensive driving training, good driver, accident-free, multiple autos, anti-theft, and passive restraint.
- Nationwide offers discounts for business or organization, defensive driving, family plan, Farm Bureau membership, and easy pay.
- Esurance policyholders can earn discounts including multi-policy, anti-theft, renters, online quote, and Pac-12 alumni.
- The Hartford offers premium reductions for vehicle fuel type, defensive driver, good student, air bag, and anti-theft.
The example below visualizes the comparison of yearly insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, safe-driver, anti-theft, homeowner, defensive driving course, and claim-free discounts applied. In this example, theaverage yearly reduction on car insurance for used cars is 28% or $471.
Irresponsible driving raises your rates
The ideal way to find cheap car insurance prices in Mesa for pre-owned vehicles is to drive cautiously and not get tickets or have accidents. The diagram below demonstrates how speeding tickets and at-fault fender-benders can impact car insurance rates for each age group. Data assumes a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
In the chart above, the average cost of a car insurance policy per year with no accidents or violations is $1,794. Factor in two speeding tickets and the average cost hikes up to $2,479, an increase of $685 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of car insurance for used cars increases to an average of $5,029. That’s an increase of $3,235, or $270 per month, just for a couple of infractions!
Compare rates to save
Arizona car insurance rates are influenced by many factors that may substantially change the price you have to pay for coverage. Simply having a birthday, having a claim, or getting a few speeding tickets may cause policy rate changes that can cause some rates to be cheaper than competitors.
Not only may your risk profile change, but companies file new Arizona car insurance rates as often as every three months to adjust for unexpected claims or profits. A period of increased losses may result in rate hikes, while long-term profits can cause cheaper Mesa car insurance rates.
The chart below compares the cheapest car insurance in Mesa, AZ for a 40-year-old female driver with no prior claims, no tickets, and good credit. When quoting prices based on her current rating profile, The Hartford might offer the cheapest car insurance rates in Mesa at $1,070 per year. This is $358 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Progressive are the remainder of the cheapest Mesa, AZ auto insurance companies.
The example below compares rates after we give the driver from the above example some claims, poor credit, and a traffic citation. Because every insurance company has their own formula to set their prices, analyzing rate quotes will most likely result in a different set of the cheapest companies as shown below.
GEICO now has the best insurance rate in Mesa, AZ with Allied, CSAA, Ameriprise Group, and Farm Bureau Mutual now being in the top five. This example demonstrates why Mesa drivers need to take the time to shop around to get the lowest car insurance quotes for used cars.
Car insurance prices consist of many different factors and can change substantially, so the lowest-price company the last time you shopped around may now be quite expensive.
How to find economical car insurance for used cars
The list below summarizes a few money-saving ideas that can help you get cheap auto insurance.
- Save money by observing traffic laws and speed limits
- Earn a discount by not filing claims
- Raise your deductibles
- Assess whether full coverage is needed
- Avoid preventable accidents
- Compare quotes from other companies often
That last idea is remarkably important, as was discussed in the article above. Insurance rates fluctuate considerably, so drivers shouldn’t hesitate to buy a policy from a new company if a lower price can be found. Many consumers stick with the same company and that’s fine, but is isn’t recommended if that devotion results in you overpaying money that could be used for better things. If you have a few minutes, compare prices to find cheaper car insurance for used cars in Mesa.
The insurance agencies below can help you determine which auto insurance policy would work best for you, as lots of people like to have professional advice when trying to find the best insurance rates for pre-owned vehicles. It’s not always simple to find the best coverage yourself, and a professional agent can give comfort knowing your policy gives you enough coverage if you have a claim. To find an agent close to where you live, click the button at the bottom or click here to get price quotes now.
- Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020 - Roger Downey – State Farm Insurance Agent
2220 S Country Club Dr #100 – Mesa, AZ 85210 – (480) 892-6079 - Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117