Who Has the Cheapest Car Insurance Quotes for Drivers Under 25 in Mesa?

Buying budget car insurance is tough enough, and determining which company has the best auto insurance rates for drivers under 25 will involve even more rate comparisons. Each insurance company uses slightly different criteria for determining prices, so first we will examine the auto insurance companies with the overall cheapest rates in Mesa, AZ.

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What’s the cheapest car insurance in Arizona?
Rank Company Cost Per Year
1 The Hartford $820
2 Safeco $896
3 Auto-Owners $915
4 Travelers $1,086
5 USAA $1,113
6 GEICO $1,142
7 Progressive $1,164
8 Ameriprise Group $1,172
9 CSAA $1,225
10 Allied $1,245
11 Farm Bureau Mutual $1,259
12 Safe Auto $1,323
13 Farmers $1,337
14 Unitrin $1,343
15 State Farm $1,364
16 American Family $1,463
17 Titan $1,476
18 Amica $1,487
19 MetLife $1,567
20 California Casualty $1,568
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The Hartford offers some of the cheapest car insurance rates in Mesa at around $820 annually. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the best Mesa, AZ auto insurance companies.

As shown in the table above, if you currently have coverage with Travelers and switched to The Hartford, you could earn an annual savings of approximately $266. Arizona drivers with USAA might save as much as $293 a year, and GEICO customers might lower prices by $322 a year.

To see how much you can save, click here or visit several of the following companies.

These premium estimates are averages for all types of insureds and vehicles and are not factoring in an exact location for drivers under 25. So the insurer that has the lowest price for you may not even be in the top 28 companies in the list above. That is why you need to compare as many prices as possible using your own driver data and vehicle information.

One of the more important criteria that aid in calculating car insurance rates is where you normally keep your vehicle. Areas with a lot of weather claims or more people will most likely have higher rates, whereas areas with less congestion benefit from having to pay less for coverage.

The following table ranks the most expensive cities in Arizona for drivers under 25 to purchase auto insurance in. Mesa ranks #7 with an annual rate of $1,147 for coverage, which is around $96 per month.

How much is car insurance in Mesa?
Rank City Premium Per Year
1 Phoenix $1,255
2 Avondale $1,222
3 Glendale $1,190
4 San Tan Valley $1,185
5 Tempe $1,152
6 Scottsdale $1,151
7 Mesa $1,147
8 Buckeye $1,144
9 Peoria $1,137
10 Goodyear $1,131
11 Chandler $1,126
12 Gilbert $1,120
13 Maricopa $1,118
14 Casa Grande $1,089
15 Catalina Foothills $1,072
16 Tucson $1,072
17 Surprise $1,058
18 Casas Adobes $1,050
19 Oro Valley $1,031
20 Yuma $992
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Rates are comparative as the specific Mesa residence address can raise or lower coverage prices substantially.

Buying coverage from the top company is hard considering how many different companies sell coverage in Arizona. The ranking data listed below could help you analyze which car insurance providers you want to consider comparing rate quotes with. The rankings below are for companies who write in the majority of U.S. states, so companies that focus mainly on Arizona business are not included in the list.

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: Insure.com Best Car Insurance Companies

Rate comparison of full coverage and liability-only

Reducing the cost of auto insurance is important to most people, and one easy way to pay less for insurance for drivers under 25 is to only pay for liability coverage. The example below illustrates the difference between yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The rate quotes are based on no tickets, no at-fault accidents, $500 deductibles, single status, and no additional discounts are factored in.

If averaged out across all ages, comp and collision coverage costs an extra $1,417 per year over having just liability coverage. That is a large expense and it proposes the question if it’s a good idea to buy full coverage. There is no clear-cut formula that is best for determining when to drop full coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

Why you are probably overpaying for car insurance

Mesa, AZ auto insurance rates are determined by lots of factors that can increase the cost of your policy. Getting older, increasing deductibles, or getting a reckless driving citation may cause policy rate changes resulting in some companies being cheaper than competitors. Not only that, but insurance companies file new rates multiple times each year in order to protect their financial rating. Higher than normal claims can result in higher priced premiums, while lower claim expenses may cause lower-priced Mesa car insurance rates.

To illustrate this point, the bar chart below shows which company has the cheapest car insurance in Mesa, AZ for a 35-year-old female driver with a good driving record, no prior claims, and excellent credit. If we estimate rates based on her current risk factors, The Hartford might quote the most affordable car insurance rates in Mesa at $1,114 annually. This is $314 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the rest of the most affordable Mesa, AZ auto insurance companies.

In the next rate comparison, we’ll give the driver from the first example a claim surcharge, bad credit, and a traffic citation. Due to the fact that each insurance company uses a different method for setting prices, comparing insurance quotes most likely will result in a different set of companies as shown below.

GEICO now has the best price on car insurance in Mesa, AZ with CSAA, Ameriprise Group, Allied, and Safeco also having competitive pricing. This example illustrates why it is crucial to perform a complete rate comparison when trying to get the most budget-friendly car insurance quotes for drivers under 25. Insurance prices can be altered by many factors and change substantially, so the cheapest option when you last compared rates may now be quite expensive.