Which Company has the Cheapest Car Insurance in Mesa, Arizona?

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.

Cheapest insurance companies in Arizona
Rank Company Cost Per Year
1 The Hartford $845
2 Auto-Owners $888
3 Safeco $932
4 USAA $1,113
5 Progressive $1,118
6 Travelers $1,119
7 GEICO $1,142
8 CSAA $1,177
9 Ameriprise Group $1,184
10 Allied $1,233
11 Farm Bureau Mutual $1,297
12 Safe Auto $1,297
13 Unitrin $1,317
14 Farmers $1,350
15 State Farm $1,377
16 Titan $1,461
17 Amica $1,473
18 American Family $1,478
19 California Casualty $1,506
20 MetLife $1,551
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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.

How much does auto insurance cost in Mesa?
Rank City Average Per Year
1 Phoenix $1,218
2 Glendale $1,190
3 Avondale $1,174
4 Mesa $1,159
5 Gilbert $1,154
6 San Tan Valley $1,150
7 Buckeye $1,144
8 Tempe $1,140
9 Scottsdale $1,129
10 Peoria $1,126
11 Goodyear $1,120
12 Maricopa $1,118
13 Chandler $1,115
14 Surprise $1,090
15 Catalina Foothills $1,082
16 Tucson $1,072
17 Casa Grande $1,057
18 Oro Valley $1,051
19 Casas Adobes $1,050
20 Flagstaff $960
21 Yuma $954
22 Prescott $914
23 Sierra Vista $899
24 Bullhead City $896
25 Lake Havasu City $852
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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.

Cheapest Vehicles to Insure in Mesa, AZ
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
Toyota Prius $1,737
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
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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

Cheaper Mesa, AZ insurance for drivers in MesaInsurance 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.

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.