Mesa, AZ Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Mesa.
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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 Average||United States Average|
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Mesa car insurance premiums by provider
The difference in auto insurance rates between car insurance companies 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 view quotes specific to your unique driving profile.
MESA AUTO INSURANCE RATES BY COMPANY
|Insurer||Average Yearly Rate|
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 tier||Average Annual Rate|
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 Status||Average Yearly Rate|
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/Violation||Average Yearly Rate|
|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 Tier||Average Rate (annual)|
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.
Rainy Days a Year
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Avg. Annual Snowfall
Be Prepared For
Driving in Mesa
Popular Day Trips
Mesa Car Insurance Companies Near Me
Find Local Mesa Agents
The Adams Agency
3851 E Main St, Mesa, AZ 85205
The Mahoney Group
1835 S Extension Road, 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
Main Street Group
239 W Main St, Mesa, AZ 85201
CBI Bonding Inc.
535 E McKellips Rd Suite 129, Mesa, AZ 85203
Harnish Insurance Group, Inc.
2045 S Vineyard Ste 143, Mesa, AZ 85210
Passey-Bond Company, Inc.
28 N Center St, Mesa, AZ 85201
Red Rock Insurance LLC
4140 E Baseline Rd Ste 101, Mesa, AZ 85206
Canyon Lands Insurance
3654 N Power Rd Ste 146, Mesa, AZ 85215
Astoria Insurance Services LLC
6209 E BASELINE RD, MESA, AZ 85206
Dale Studer Agency, Inc.
2045 S Vineyard Ste 143, Mesa, AZ 85210
Kohlhase Insurance, Inc.
6550 E Main St, Mesa, AZ 85205
Oracle Insurance Group, Inc.
4135 S Power Rd Ste 133, Mesa, AZ 85212
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.