One of the many things that are looked at to help calculate the amount you pay for auto insurance is where you call home in Mesa. Areas with a lot of weather claims or more people will most likely pay more, whereas areas with less congestion benefit from lower prices.
The following table ranks the priciest cities in Arizona for felons in which to purchase auto insurance. Mesa is ranked at #4 having an annual price of $1,159 for the average policyholder, which is approximately $97 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,190 |
| 3 | Avondale | $1,186 |
| 4 | Mesa | $1,159 |
| 5 | Scottsdale | $1,151 |
| 6 | San Tan Valley | $1,150 |
| 7 | Buckeye | $1,122 |
| 8 | Tempe | $1,118 |
| 9 | Chandler | $1,115 |
| 10 | Gilbert | $1,108 |
| 11 | Tucson | $1,094 |
| 12 | Peoria | $1,093 |
| 13 | Goodyear | $1,087 |
| 14 | Surprise | $1,080 |
| 15 | Maricopa | $1,074 |
| 16 | Casa Grande | $1,057 |
| 17 | Catalina Foothills | $1,050 |
| 18 | Casas Adobes | $1,040 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $963 |
| 21 | Flagstaff | $941 |
| 22 | Prescott | $924 |
| 23 | Bullhead City | $905 |
| 24 | Sierra Vista | $890 |
| 25 | Lake Havasu City | $844 |
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Rate information is approximated as the specific Mesa residence address can change rates significantly.
The vehicle model you are buying coverage for is a large factor when comparing cheap insurance for felons. Vehicles with limited top-end speed, a plethora of safety features, or a positive history of liability claims will cost substantially less to insure than high performance models.
The list below illustrates coverage prices for some of the most budget-friendly automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Explorer XLT 4WD | $1,458 |
| Honda Accord EX 4-Dr Sedan | $1,491 |
| Honda CR-V EX 4WD | $1,525 |
| Toyota RAV4 Sport 2WD | $1,538 |
| Toyota Camry XLE | $1,618 |
| Ford Edge SE 2WD | $1,639 |
| Chevrolet Equinox LTZ 2WD | $1,647 |
| Ford Fusion Sport 4-Dr Sedan | $1,654 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,647 |
| Chevrolet Malibu LTZ | $1,654 |
| Dodge Grand Caravan SE | $1,673 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,704 |
| Chevrolet Impala LS | $1,730 |
| Honda Odyssey EX | $1,737 |
| Ford Escape Limited 4WD | $1,735 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,743 |
| Toyota Camry Hybrid | $1,761 |
| Toyota Prius | $1,771 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,797 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,823 |
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific zip code location which can increase or decrease insurance rates noticeably.
Looking at the rates, you can see that makes and models like the Ford Explorer, Honda Accord, Honda CR-V, Toyota RAV4, and Toyota Camry are likely to be some of the most budget-friendly vehicles to insure for felons.
Deciding which companies quote the best auto insurance rates for felons will involve a little more work in order to find the lowest price quote.
Each auto insurer uses a little different formula for filing rates in each state, so we’ll take a look at the auto insurance companies that tend to have lower prices in Arizona. It’s important to know that Mesa, AZ auto insurance rates are calculated based on many things that will increase or decrease your annual premium. Simply getting older, increasing liability limits, or getting a driving violation can cause premium changes that may make certain companies more affordable than others.
Lowest Insurance Price Quotes for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $924 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,166 |
| 8 | CSAA | $1,213 |
| 9 | Ameriprise Group | $1,220 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,461 |
| 17 | American Family | $1,463 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,522 |
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The Hartford may have some of the lowest car insurance rates in Mesa at around $820 annually. This is $608 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also some of the most economical Mesa, AZ car insurance companies.
In the rate table above, if you currently have a policy with USAA and switched to Auto-Owners, you might realize savings of approximately $200. Drivers with Progressive may save as much as $228 a year, and GEICO policyholders might reduce prices by as much as $242 a year.
To find out how much you can save, click here to begin a quote or visit any of the companies below.
These premiums are averaged across all types of drivers and the different vehicles they drive and do not take into consideration an exact location for felons. So the car insurance company that can offer you the best rate may not even be in the top 28 companies shown above. That emphasizes why you need to quote rates from many companies using your own personal information and vehicle type.
Arizona auto insurance company ratings
Picking the best insurance company can be rather challenging considering how many companies there are in Mesa. The company information displayed below may help you pick which companies you want to consider putting your business with.
The ratings below are only comprised of large, nationwide insurance companies, so smaller companies that only insure vehicles in Arizona are not taken into consideration for this list. If you would like to check rates from these and other competitive companies, follow this link.
Top 10 Major 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%
The chart below demonstrates how deductibles can raise or lower insurance costs when getting quotes for cheap insurance for felons. Data assumes a married male driver, comp and collision included, and no policy discounts are applied.
The chart above illustrates that a 30-year-old driver could pocket $276 a year by switching from a $100 deductible up to a $500 deductible, or save $418 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, could drop their prices up to $834 or more by choosing a larger deductible amount. When choosing a higher deductible, it will now be necessary to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Don’t make the mistake of not shopping around
Arizona auto insurance rates are influenced by many factors that control the cost of having a policy. Improving your credit score, becoming a homeowner, or having a fender bender can trigger rate changes that may make certain companies cheaper than competitors.
In addition, insurers change the rates they charge in Arizona without warning in order to maintain liquidity for claims. A period of increased losses may cause rate hikes, while less frequent claims can result in lower-priced Mesa car insurance rates.
To help illustrate this point, the graph below shows the companies that have the cheapest car insurance in Mesa, AZ for a 30-year-old male driver with no accidents or violations, and solid credit. If we compare prices based on his personal risk profile, The Hartford might offer the lowest car insurance rates in Mesa at $1,093 each year. This is $335 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the remaining top five cheapest Mesa, AZ auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a claim surcharge, a little lower credit rating, and a traffic ticket or two. Since each auto insurance company has a proprietary formula to set their prices, comparing insurance quotes will most likely result in a different ranking of affordable companies as shown below.
GEICO now has the cheapest auto insurance in Mesa with CSAA, Allied, Ameriprise Group, and Safeco also having competitive pricing. This shows why Arizona drivers need to compare lots of rates to get the most economical insurance rates for felons. Insurance prices are influenced by many things and change substantially, so the best option when you bought your policy may now be wasting a lot of money.
The insurance agents in Mesa listed below can most likely aid you in deciding which auto insurance policy fits you best, as some drivers wish to have a little guidance when buying car insurance for felons. It can be challenging to find the best coverage on your own, so insurance agents can provide you peace of mind knowing your coverage gives you enough protection.
To locate a Mesa auto insurance agent in your neighborhood, click the button below the list or click here to get price quotes now.
Manuel Ramirez – State Farm Insurance Agent
911 N Country Club Dr – Mesa, AZ 85201 – (480) 964-7777
Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave – Mesa, AZ 85204 – (480) 892-8755
Wilson Insurance
3950 E Broadway Rd # 102 – Mesa, AZ 85206 – (480) 964-2400
Donna Kohlhase – State Farm Insurance Agent
6836 E Brown Rd #101 – Mesa, AZ 85207 – (480) 396-2140
More Mesa, AZ insurance agents
How to find economical auto insurance for felons
The list below details a few money-saving ideas that can help Mesa drivers find cheap car insurance.
- Prevent rate increases by staying accident-free
- Increase the comprehensive and collision deductibles on your policy
- Increase your credit score
- Buy a car with high safety ratings
- Avoid speeding and other traffic citations and pay less
- Compare rate quotes frequently
The final tip is highly important, as was emphasized in this article. Prices charged by companies fluctuate constantly, so don’t be tentative to change to a new company if you can find a cheaper rate. Having a favorite company is fine, but it’s not a great idea if your bullheadedness ends up costing you a small fortune year after year. In just a couple of minutes you could compare rates and find cheaper auto insurance for felons in Mesa.