Finding decent, cheap auto insurance is hard enough, and finding out which company quotes the best insurance rates in Mesa will involve a bit more work. Each auto insurer uses their own calculation for determining rates, so we need to take a look at the insurance companies with the most affordable rates in Arizona.
It’s a good idea to know that Mesa insurance rates are influenced by many factors that control the policy price. Simply improving your credit score, buying a different vehicle, or getting a ticket for running a stop sign may generate price changes that can now make some companies way too expensive in comparison to the competition.
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
|Quote Your Rates Go|
The Hartford may offer some of the cheapest car insurance rates in Mesa at around $845 a year. Auto-Owners, Safeco, USAA, and Progressive also make the cut as some of the cheapest Mesa, AZ auto insurance companies.
As the rates illustrate above, if you currently have coverage with Safeco and switched to The Hartford, you could earn an annual savings of in the neighborhood of $87. Arizona drivers with USAA may save as much as $268 a year, and Progressive policyholders might lower prices by up to $273 a year.
If you would like to find cheaper car insurance rates, click here to start your custom quote or quote prices from the following companies.
Bear in mind that those policy prices are averages for all insureds and vehicles and and are not calculated with a specific zip code in Mesa. So the company that can offer the best rates for your situation may not even be in the top 28 companies shown above. That underscores the importance of why you need to compare rates from as many companies as possible using your own driver data and vehicle information.
For drivers in Mesa, one of the largest considerations that are looked at to determine the annual cost of car insurance is where you live. Larger areas tend to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower coverage costs.
The table below lists the most expensive cities in Arizona to purchase car insurance in. Mesa shows up at #4 with the yearly price of $1,159 for coverage, which is approximately $97 each month.
|Rank||City||Average Per Year|
|6||San Tan Valley||$1,150|
|25||Lake Havasu City||$852|
|Find Cheaper Insurance Go|
Premium costs are comparative as the specific geographic location can change rates considerably.
The car, truck, or SUV requiring insurance is one of the largest factors when comparison shopping for low-cost auto insurance in Mesa. Vehicles with limited speed and performance, good safety features, or a low likelihood of liability claims will cost less to insure than higher performance models.
The next table showcases auto insurance premiums for some of the cheaper vehicles to insure in Arizona.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$1,427|
|Honda Accord LX-P 4-Dr Sedan||$1,436|
|Honda CR-V LX 4WD||$1,613|
|Ford Edge SE AWD||$1,656|
|Toyota Tacoma Double Cab 4WD||$1,721|
|Dodge Grand Caravan SE||$1,745|
|Honda Civic LX 4-Dr Sedan||$1,747|
|Hyundai Elantra Blue 4-Dr Sedan||$1,754|
|Honda Odyssey LX||$1,772|
|Ford Fusion SEL 4-Dr Sedan||$1,812|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$1,820|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,812|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,839|
|Chevrolet Silverado LS Extended Cab 4WD||$1,847|
|Find Cheaper Rates Go|
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in garaging location in Mesa, AZ which can modify prices significantly.
By looking at the data, we can expect models like the Ford Escape, Honda Accord, and Honda CR-V will definitely be a few of the most economical vehicles to insure for drivers in Mesa.
Discounts on Mesa car insurance
Insurance providers that provide policies in Mesa may also offer rate discounts that may potentially lower prices by 40% or more if you can meet the requirements. A list of companies and some of the premium reductions they offer are outlined below.
- GEICO has discounts for seat belt use, multi-policy, five-year accident-free, air bags, good student, and emergency military deployment.
- Travelers discounts include multi-car, payment discounts, driver training, home ownership, save driver, and continuous insurance.
- Nationwide includes discounts for good student, easy pay, Farm Bureau membership, anti-theft, and accident-free.
- Farmers Insurance may include discounts for multi-car, homeowner, bundle discounts, good student, and switch companies.
- Esurance may have discounts that include anti-lock brakes, safety device, homeowner, anti-theft, online shopper, and renters.
- State Farm has savings for anti-theft, driver’s education, multiple autos, multiple policy, and defensive driving training.
- Progressive offers discounts including good student, homeowner, continuous coverage, multi-vehicle, and online quote discount.
- Mercury Insurance offers premium reductions for type of vehicle, multi-car, age of vehicle, anti-theft, and professional/association.
The diagram below illustrates the difference between yearly insurance costs with and without discounts applied. The data assumes a female driver, no claims or driving citations, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, accident-free, claim-free, defensive driving course, passive restraint, and homeowner discounts applied. When discounts are applied, the average savings per year on insurance in Mesa is 28% or $372.