What Insurance is Cheapest for College Graduates in Mesa?

The vehicle needing coverage is one of the main factors when shopping for the most economical auto insurance for college graduates. Vehicles with lots of horsepower, a lack of modern safety features, or an increased likelihood of liability claims will cost much more to insure than safer models.

The next table shows coverage costs for a selection of the most affordable vehicles to insure.

Cheapest Vehicles to Insure in Mesa, AZ
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,343
Ford Escape XLT 2WD $1,353
Hyundai Elantra GLS Touring Station Wagon $1,471
Toyota Prius $1,489
Ford Explorer Eddie Bauer 2WD $1,508
Honda Accord EX 4-Dr Sedan $1,518
Volkswagen Jetta 2.0T Station Wagon $1,575
Chevrolet Silverado LT Extended Cab 4WD $1,594
Toyota RAV4 Limited 2WD $1,600
Chevrolet Impala LT $1,594
Chevrolet Equinox LS 2WD $1,601
Ford F-150 Lariat Crew Cab 2WD $1,622
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,672
Kia Optima LX $1,703
Nissan Rogue S 2WD $1,713
GMC Sierra SLT Extended Cab 4WD $1,709
Honda Odyssey EX $1,719
Toyota Corolla XRS $1,709
Toyota Tacoma 2WD $1,719
Dodge Grand Caravan CV $1,711
Ford F-350 XL Crew Cab Cabela Package 2WD $1,740
Nissan Altima 2.5 4-Dr Sedan $1,743
Toyota Camry Hybrid $1,818
Start Your Quote Go

Data variables include 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, multi-vehicle, safe-driver, claim-free, and homeowner. Information does not factor in specific location information which can modify insurance rates significantly.

Looking at the rates, you can figure that makes and models like the Honda CR-V, Ford Escape, Hyundai Elantra, Toyota Prius, and Ford Explorer are likely to be some of the most affordable vehicles to insure for college grads.

For college grads, one of the big factors that are looked at to determine the annual cost of car insurance is where you choose to live in Mesa. Cities with larger populations or higher claim trends will most likely pay more, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.

The illustration below lists the most costly cities in Arizona for college graduates in which to buy car insurance. Mesa comes in at #7 with a yearly premium of $1,147 for the average policy, which is around $96 each month.

How much is car insurance in Mesa?
Rank City Annual Premium
1 Phoenix $1,231
2 Glendale $1,190
3 San Tan Valley $1,185
4 Avondale $1,174
5 Scottsdale $1,163
6 Tempe $1,152
7 Mesa $1,147
8 Gilbert $1,142
9 Peoria $1,137
10 Goodyear $1,131
11 Chandler $1,126
12 Buckeye $1,122
13 Maricopa $1,107
14 Tucson $1,105
15 Casa Grande $1,089
16 Catalina Foothills $1,082
17 Casas Adobes $1,082
18 Surprise $1,048
19 Oro Valley $1,020
20 Yuma $963
Get a Custom Quote Go

Premium costs are estimated as the garaging address in Mesa can lower or raise premiums significantly.

How to find a good Arizona car insurance company

Finding the highest-rated auto insurance company can be a challenge considering how many companies there are in Mesa. The company information shown below can help you analyze which car insurance providers to look at when comparing rate quotes.

The ratings below only include companies that write coverage in many states, so companies that may only write in Arizona are not included in this list. To view rates from many more Arizona auto insurance companies, click here.

Top 10 Large Auto Insurance Providers in Mesa Ranked by Customer Service

  1. State Farm
  2. GEICO
  3. The Hartford
  4. Mercury Insurance
  5. Progressive
  6. The General
  7. Allstate
  8. AAA Insurance
  9. American Family
  10. Nationwide

Top 10 Large Auto Insurance Providers 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

The chart below demonstrates how deductibles can raise or lower insurance costs when getting quotes for cheap insurance for college graduates. The data is based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

A 30-year-old driver could lower their policy premium by $322 a year by switching from a $100 deductible to a $500 deductible, or save $484 by switching to a $1,000 deductible. Young drivers, like the age 20 example, can cut $684 annually just by choosing higher deductibles.

If you do make the decision to raise your deductibles, it will be necessary to have additional savings on hand to pay the extra out-of-pocket expense associated with higher deductibles.

What aren’t you shopping around?

Mesa car insurance rates are influenced by many factors that may substantially change the price of coverage. Improving your credit rating, becoming a homeowner, or getting caught speeding can produce rate changes that can make some companies affordable when they were higher priced.

Not only may your risk profile change, but insurers change their prices without warning to reflect underwriting profits or losses. Higher than normal claims can result in a rate increase, while lower claims may cause cheaper Mesa car insurance rates.

As an example, the chart below shows a variety of companies that have the cheapest car insurance in Mesa, AZ for a 45-year-old female driver with no violations or accidents, and a decent credit rating. If we compare prices based on her personal profile, The Hartford might quote the most affordable car insurance rates in Mesa at $1,092 each year. This is $336 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remaining cheapest Mesa, AZ auto insurance companies.

Now we will give the driver from the first set of rates a claim, a little lower credit rating, and a blemish on her driving record. Because every insurance company has a different formula to determine rates, analyzing rate quotes may now result in a different list of the cheapest car insurance companies in Mesa as shown below.

Progressive now has the cheapest rate in Mesa with CSAA, Ameriprise Group, Allied, and Auto-Owners also having competitive pricing. This illustrates why it is important to do a thorough rate comparison to get the most affordable insurance rates for college graduates. Prices are influenced by many different factors and change frequently, so the cheapest company three years ago may now be wasting a lot of money.