Finding dependable, low-priced auto insurance is not easy, and figuring out which companies offer the lowest-priced auto insurance rates for low income drivers involves more quotes for comparison. Every insurance provider uses a little different formula to determine premium rates, so let’s begin by taking a look at the lowest cost auto insurance companies in Arizona.
It’s important that you understand Mesa, AZ auto insurance rates are influenced by many factors which can substantially decrease or increase the policy price. Price variation is why it is important to compare lots of rates when trying to find the most affordable insurance rates for low income drivers. Prices can be altered by many risk factors and can change without notice, so the most economical option when you bought your policy may now be costing you a lot of money.
Find the Cheapest Auto Insurance in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $923 |
| 4 | Travelers | $1,108 |
| 5 | Progressive | $1,118 |
| 6 | USAA | $1,124 |
| 7 | GEICO | $1,177 |
| 8 | CSAA | $1,177 |
| 9 | Allied | $1,197 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,303 |
| 14 | Farmers | $1,350 |
| 15 | State Farm | $1,364 |
| 16 | Titan | $1,433 |
| 17 | American Family | $1,435 |
| 18 | Amica | $1,473 |
| 19 | California Casualty | $1,552 |
| 20 | MetLife | $1,567 |
| Find Your Rate Go | ||
The Hartford may offer some of the cheapest car insurance rates in Mesa at around $811 a year. This is $617 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive would also make the list of some of the more affordable Mesa, AZ car insurance companies.
As shown in the table above, if you buy coverage from Travelers and switched to The Hartford, you might realize a yearly price reduction of upwards of $297. Customers with Progressive could save as much as $307 a year, and USAA customers might lower prices by up to $313 a year.
It’s important to note that these rates are averaged for all insureds and vehicles and do not take into consideration an exact zip code location for low income drivers. So the company that fits your needs best may not even be in the top 28 companies in the list above. That point stresses why you need to compare as many prices as possible using your own driver data and vehicle information.
The make and model of vehicle requiring coverage is probably the most important factor when quoting low-cost auto insurance for low income drivers. Vehicles with lower acceleration and performance, a great safety record, or low incidents of liability claims will cost much less to insure than higher performance models. The next table illustrates coverage rates for a handful of the most affordable automobiles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,371 |
| Ford Escape XLT 4WD | $1,400 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,488 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,535 |
| Toyota RAV4 Sport 2WD | $1,622 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,654 |
| Toyota Prius | $1,667 |
| Dodge Grand Caravan CV | $1,680 |
| Ford F-150 XL Super Cab 2WD | $1,699 |
| Toyota Camry SE | $1,709 |
| Chevrolet Silverado LT Regular Cab | $1,735 |
| Chevrolet Malibu LTZ | $1,741 |
| GMC Sierra SLT Extended Cab 4WD | $1,751 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,741 |
| Ford Edge SEL 2WD | $1,743 |
| Ford Explorer Limited AWD | $1,812 |
| Honda Civic LX 4-Dr Sedan | $1,841 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,850 |
| Toyota Camry Hybrid | $1,854 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,859 |
| Find Cheaper Rates Go | |
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices noticeably.
Looking at the numbers, we can presume that vehicles like the Honda CR-V, Ford Escape, and Volkswagen Jetta should be some of the most affordable vehicles to insure for poor drivers.
Get discount Mesa insurance rates
Insurance providers that offer quotes for low income drivers may provide price discounts that can lower rates by as much as 30% if you are eligible to receive them. A list of auto insurance companies and a partial list of their discounts are shown below.
- State Farm policyholders can earn discounts including defensive driving training, safe vehicle, anti-theft, Drive Safe & Save, passive restraint, multiple autos, and good student.
- Esurance discounts include Switch & Save, multi-car, DriveSense, good driver, paid-in-full, Pac-12 alumni, and emergency road assistance.
- Progressive may include discounts for good student, continuous coverage, online quote discount, multi-policy, and homeowner.
- Liberty Mutual offers discounts including multi-car, exclusive group savings, new vehicle discount, newly married, good student, and new graduate.
- Auto-Owners Insurance offers discounts for good student, company car, safe vehicle, student away at school, paid in full, teen driver, and anti-theft.
- GEICO may have discounts that include defensive driver, anti-lock brakes, daytime running lights, military active duty, anti-theft, and driver training.
The illustration below shows the difference between car insurance costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no violations or claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, vehicle safety, claim-free, multiple vehicle, anti-theft, and safe-driver discounts applied. When these discounts are applied, theaverage amount saved on auto insurance for low income drivers is 28% or $372.
Choosing the right insurance company is difficult considering how many companies are available to choose from in Mesa. The rank data shown below could help you pick which coverage providers to look at when comparing rates.
The rankings below are for companies who write in the majority of U.S. states, so smaller regional companies will not be included in the list. If you wish to compare rates from these and other top-rated companies, just click here.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Full coverage or liability only
Paying less for auto insurance is probably important to most vehicle owners, and one way to save on the cost of insurance for low income drivers is to only buy liability coverage. The chart below visualizes the comparison of car insurance rates with full physical damage coverage and with liability coverage only. The information is based on no claims or driving violations, $1,000 deductibles, drivers are not married, and no discounts are applied.
If we average all the age groups together, full coverage costs $1,366 per year more than just buying liability only. That is a big expense that brings up the question if it’s worth it to buy full coverage. There isn’t a steadfast formula to stop buying full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
There are some cases where removing full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.
The importance of shopping around
Mesa auto insurance rates are influenced by many factors which can significantly increase or decrease the cost of having a policy. Simply turning a year older, becoming a homeowner, or getting a driving violation can trigger changes in premium resulting in some companies being cheaper than before. Not only may things change on your end, but auto insurance companies amend premium rates without warning to reflect underwriting profits or losses. A period of increased losses may cause higher prices, while long-term profits can cause cheaper Mesa car insurance rates.
To illustrate this point, the chart below shows a variety of companies that have the cheapest car insurance in Mesa, AZ for a 35-year-old female driver with no accidents, a clean driving record, and a high credit rating. If we estimate rates based on her current rating profile, The Hartford may offer the lowest car insurance rates in Mesa at $1,114 per year. This is $314 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also make the list of the top five cheapest Mesa, AZ auto insurance companies.
Now let’s give the driver from the first example an at-fault accident, a little lower credit rating, and a stop sign violation. Due to the fact that every insurance company has a different formula for setting rates, comparing quotes may result in a different list of the cheapest Mesa car insurance companies as shown below.
GEICO now has the cheapest auto insurance in Mesa, AZ with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual also having competitive pricing. This example demonstrates why consumers need to spend some time comparing rates when trying to get the best insurance quotes for low income drivers. Insurance prices can be determined by many factors and change dramatically, so the best company when you last compared rates may now be wasting a lot of money.
The insurance agents in Mesa listed below are a good start to help you decide which coverages are best, as lots of people like to have some professional guidance when trying to find lower insurance rates for low income drivers. It can be difficult to do it yourself, and agents can give peace of mind knowing your policy gives you enough coverage if you have a claim. To locate a Mesa insurance agent by location nearest to you, click the button at the bottom of the list or click here to compare rates now.
- Kohlhase Insurance
6550 E Main St – Mesa, AZ 85205 – (480) 832-8370 - Arizona Federal Insurance Solutions and The Arizona Group
1125 E Southern Ave – Mesa, AZ 85204 – (480) 892-8755 - Cie Taylor – State Farm Insurance Agent
2801 E McKellips Rd – Mesa, AZ 85213 – (480) 830-1513 - Jeff Klusmann Insurance Agency
1955 N Val Vista Dr – Mesa, AZ 85213 – (480) 830-0080 - Jarosch Insurance
2815 S Alma School Rd #111 – Mesa, AZ 85210 – (480) 839-8488