The words “economical” and “insurance” probably shouldn’t be used together, in particular when you are searching for the best car insurance rates for drivers with accidents. Let’s open your eyes to some things that have an impact on insurance premiums, and find out if we can help you cut the cost of your next policy.
For drivers with at-fault accidents, one of the big criteria that aid in calculating auto insurance rates is your address. Larger areas will most likely have higher rates, whereas areas that tend to be more rural tend to receive cheaper rates.
The next table lists the most expensive places in Arizona for drivers with accidents to buy an auto insurance policy in. Mesa is listed at #7 with an annual rate of $1,147 for car insurance, which is about $96 monthly.
|Rank||City||Average Per Year|
|4||San Tan Valley||$1,161|
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Rate information is comparative as zip code location can change coverage prices considerably.
The make and model of vehicle that needs insurance is one of the largest considerations when quoting cheaper coverage for drivers with accidents. Vehicles with higher performance, a lack of safety features, or a high likelihood of having liability claims will cost more to insure than safer models. The table below shows auto insurance rates for the cheaper vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$3,468|
|Honda CR-V LX 2WD||$3,477|
|Ford Escape XLS 4WD||$3,683|
|Dodge Grand Caravan SE||$3,898|
|Jeep Wrangler Sahara 4WD 2-Dr||$3,904|
|Ford F-150 FX2 Super Cab 2WD||$4,150|
|Ford Explorer Limited 2WD||$4,156|
|Chevrolet Impala LS||$4,251|
|Chevrolet Equinox LS 2WD||$4,300|
|Ford Edge SEL 2WD||$4,308|
|Ford Fusion S 4-Dr Sedan||$4,362|
|Chevrolet Malibu LS||$4,371|
|Toyota RAV4 Sport 2WD||$4,362|
|Jeep Grand Cherokee Limited 2WD||$4,371|
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Table data assumes single male driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rate information does not factor in garaging location in Mesa, AZ which can alter insurance rates considerably.
Looking at the rates, we can tell that makes and models like the Honda Accord, Honda CR-V, Ford Escape, Dodge Grand Caravan, and Jeep Wrangler are most likely going to be the less-costly vehicles to insure for drivers with at-fault accidents. The price of auto insurance will be more expensive because there is more exposure for drivers with accidents, but overall those particular vehicles will have the lowest prices compared to other vehicles.
Mesa insurance companies ranked
Insuring your vehicle with a high-quality auto insurance company can be rather challenging considering how many choices drivers have in Mesa. The ranking information shown below could help you decide which providers to look at when shopping around.
The ratings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence will not be included in these rankings. To check rates and find the cheapest rates for drivers with accidents, follow this link.
Top 10 Major Car Insurance Companies in Mesa Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Major Car Insurance Companies in Mesa Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
How violations and accidents impact rates
The easiest way to get low insurance prices in Arizona for drivers with at-fault accidents is to drive cautiously and not have accidents or get tickets. The illustration below highlights how speeding tickets and accident claims increase insurance costs for each age group. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
In the prior example, the average cost of car insurance per year with no accidents and a clean driving record is $1,426. Factor in two speeding tickets and the average cost increases to $1,959, an increase of $533 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of insurance for drivers with accidents goes up to an average of $4,198. That’s an increase of $2,772, or $231 per month, just for a couple of infractions!
Why you should compare rates
Mesa, AZ insurance rates are influenced by many factors that will increase or decrease the price you pay. Simply having another birthday, buying a different vehicle, or getting a driving violation can trigger changes in premium that can cause some rates to be more affordable than the competition.
Additionally, auto insurance companies amend premium rates every year as an adjustment for underwriting gains or losses. Larger than normal claims may cause rate hikes, while less frequent claims can cause lower-cost Mesa car insurance rates.
For instance, the chart below shows which company has the cheapest car insurance in Mesa, AZ for a 45-year-old female driver with a clean driving record, no accidents, and a high credit rating. If we look at prices based on her current rating profile, The Hartford may offer the cheapest car insurance rates in Mesa at $1,114 each year. This is $314 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remainder of the most affordable Mesa, AZ auto insurance companies.
The next chart shows rates after we give the driver from the first example some claims, slightly worse credit, and an imperfect driving record. Since each insurance company uses a different method for determining prices, comparing insurance quotes may now present a slightly different list of affordable companies as shown below.
GEICO now has the best auto insurance rate in Mesa with Ameriprise Group, CSAA, Allied, and Safeco completing the list. This example demonstrates why consumers need to take the time to compare many different companies when trying to find the cheapest auto insurance rates for drivers with accidents.
Insurance rates can be altered by many factors and can decrease or increase without notice, so the best company a year ago may now be quite expensive.
The Mesa, AZ, insurance agents below can answer your questions and help you decide which policy is best, as some drivers aren’t sure which coverage they need and prefer to get some professional advice when shopping for cheaper insurance for drivers with accidents. It’s not always simple to find the best coverage yourself, so using a licensed agent can give you peace of mind knowing you have enough coverage if you have a claim.
To find an agent closest to you, click the button at the bottom.
Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave – Mesa, AZ 85204 – (480) 892-8755
Nationwide Insurance: Isakson Ins Agency Inc
1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318
Jenn Attar – State Farm Insurance Agent
1660 S Alma School Rd #218 – Mesa, AZ 85210 – (480) 345-4206
Canyon Lands Insurance
3654 N Power Rd # 146 – Mesa, AZ 85215 – (480) 288-5900