How much is auto insurance in Mesa?


The typical Mesa driver pays $1,582 per year for car insurance. That's more than the average in Arizona ($1,470) and more costly than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Mesa.


AUTO INSURANCE: MESA RATES VS. STATE + NATIONAL AVERAGES
Mesa Average (annual)Arizona AverageUnited States Average
$1,582$1,470$1,548

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Mesa car insurance premiums by provider


The difference in auto insurance rates from company to company can be substantial. In Mesa, GEICO offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Mesa below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


MESA AUTO INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
GEICO$800
USAA$1,322
State Farm$1,545
American Family$1,616
Progressive$1,676

Read our guide to finding the best cheap auto insurance.



Auto insurance premiums by age in Mesa

The age group that pays the least for car insurance in Mesa are drivers in their 50s ($1,407per year). Drivers in their 60s pay marginally higher rates — $1,467 per year.

The Mesa drivers facing the priciest insurance rates are teenagers. When drivers hit their 20s in Mesa and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Mesa is $4,464. That's the biggest gap in premiums between any pair of age brackets.


MESA AUTO INSURANCE COSTS BY AGE
Age tierAverage Annual Rate
Teenagers$6,582
20s$2,118
30s$1,551
40s$1,506
50s$1,407
60s$1,467
70s$1,879

Learn more about the impact of age on car insurance premiums.



Mesa car insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Mesa pay $128 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Mesa, single drivers pay more than those who are widowed.

Another component of auto insurance pricing is gender. In Mesa, female drivers pay $26 per year more than do male drivers for car insurance.


MESA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,608
Male$1,582
Single$1,454
Married$1,454
Divorced$1,582
Widowed$1,509

Learn more about how gender and marital status have on car insurance rates.



Mesa car insurance costs by accident and violation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Mesa drivers found guilty of reckless driving face insurance rate increases of $700 per year, compared to the citywide average. A DUI violation may lead to an $843 increase, while a citation for speeding leads to a $432 rate hike.


MESA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Yearly Rate
DWI/DUI$2,425
Reckless Driving$2,283
At-fault Accident (damages < $1,000)$2,025
At-fault Accident (damages greater than $2,000)$2,320
Speeding Ticket (16-20 mph over speed limit)$2,014

Learn more about the impact of driving violations on car insurance rates.



Mesa car insurance rates by credit level


An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In Mesa, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 64% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Mesa, improving your credit to "Fair" could help you earn a $1,631 decrease in yearly insurance premiums.


MESA AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
Credit TierAverage Rate (annual)
Very Poor$3,566
Fair$1,935
Good$1,582
Very Good$1,429
Exceptional$1,268

Learn more about the relationship between poor credit and car insurance.



What drives up car insurance rates in Mesa?

Where you live in Mesa affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Mesa is no exception to the rule. From ZIP code 85215 to 85213, premiums rise by 6 percent—that’s $63.

Expensive Mesa ZIP codes: 85205, 85204, 85203, 85201, 85213

Cheap Mesa ZIP codes: 85215, 85207, 85212, 85209, 85210

Mesa Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Mesa, you can expect 29 rainy days with an annual rainfall of 8 inches. Mesa is also known to experience thunderstorms and flash floods.

29

Rainy Days a Year

8"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Mesa

2
Major Highways
SR 202 SR 87 U.S. 60
2
Popular Day Trips
Kartchner Caverns Sabino Canyon Sunset Crater

Car Insurance Companies in Mesa

Find Local Mesa Agents

Red Rock Insurance LLC

4140 E Baseline Rd Ste 101, Mesa, AZ 85206

The Adams Agency

3851 E Main St, Mesa, AZ 85205

CBI Bonding Inc.

535 E McKellips Rd Suite 129, Mesa, AZ 85203

The Mahoney Group

1835 S Extension Road, Mesa, AZ 85210

Canyon Lands Insurance

3654 N Power Rd Ste 146, Mesa, AZ 85215

Passey-Bond Company, Inc.

28 N Center St, Mesa, AZ 85201

Oracle Insurance Group, Inc.

4135 S Power Rd Ste 133, Mesa, AZ 85212

Dale Studer Agency, Inc.

2045 S Vineyard Ste 143, Mesa, AZ 85210

Arnett Insurance Services, LLC

3850 E Baseline Rd Ste 106, Mesa, AZ 85206

Willey Insurance Group, Inc.

2130 E Brown Rd Ste 3, Mesa, AZ 85213

LeBaron & Carroll, LLC

1350 E Southern Ave, Mesa, AZ 85204

Astoria Insurance Services LLC

6209 E BASELINE RD, MESA, AZ 85206

Harnish Insurance Group, Inc.

2045 S Vineyard Ste 143, Mesa, AZ 85210

Main Street Group

239 W Main St, Mesa, AZ 85201

Kohlhase Insurance, Inc.

6550 E Main St, Mesa, AZ 85205

Not sure about Mesa

Check out these other Arizona cities:

Phoenix

Tucson

Scottsdale

Glendale

Gilbert

Chandler

2

$1,157

The average Mesa resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

185

That's equal to 185 cups of coffee or $463 in savings

See How Much You Can Save in Mesa

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Recent Questions:

Mesa Car Insurance

I'm on a shared policy, is it possible that the claims made somehow only show up to my name?

Claims departments should be marking the correct driver for a claim but other drivers pop up on reports from time to time. This comes from the way the insurance company generating the quote is reading reports.

Parked car insurance so I can get tags for my vehicle

There's a couple of things to think about here. First, there isn't really anything for parked car insurance.

Who is at-fault when there's 4 cars and I don't have insurance

It's impossible for me to answer this question simply because I don't know the specifics of the accident. Furthermore, the only people that can determine fault are the specific claims adjusters assigned to this claim.

If I’m involved in an accident in a work vehicle, will my personal insurance be impacted?

While it's unlikely that the company's insurance carrier will notify your personal provider, the accident will probably end up on your driving record. Most insurance companies don't run driving reports after you've already been a customer, but the accident could impact your rate if you were to switch to a new insurance company in the next 3 years.