What's the Average Cost of Car Insurance in Mesa?
Premiums in Mesa exceed the state average by 8%, which is why the city is recognized for its expensive premiums. Keep some money in your pocket by following our tips and saving on car insurance in Mesa.
AUTO INSURANCE PREMIUMS: MESA VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Mesa Car Insurance by Credit Score
There is a discrepancy of $1,632 a year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). Drivers will see the largest percent decrease in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them 22% per year.
MESA CAR INSURANCE COSTS BY CREDIT LEVEL
|Credit Quality||Average Auto Insurance Rate|
Mesa Auto Insurance by Gender and Marital Status
In Mesa, many driver attributes, including gender and marital status, play a part in car insurance premiums. Rates for those who are widowed are marginally cheaper than rates for those who are single. Being single can cost you 8% more per year compared to being married. Premiums for women are generally a mere 1% more costly than for men.
MESA AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Mesa Car Insurance Rates by Driver Age
Teenage drivers are the ones who pay the most in car insurance premiums, with payments of $5,701 on average. The biggest decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Mesa start paying $3,897 less in premiums. While car insurance premiums for drivers will continue to fall through their 50s, they should expect an increase when they turn 60. Among all age groups, drivers in their 50s have the lowest insurance payments, with rates of $1,183/year.
MESA AUTO INSURANCE RATES BY AGE
Mesa Car Insurance After an Accident or Moving Violation
Do you have a history of accidents or violations? That can have an impact on your prices on car insurance. In Mesa, drivers with a DUI have rates 74% higher than the city average ($1,343). Reckless driving will also drive your rates up, with typical rates of $3,055, which are 127% higher than the city average! Car insurance is an average of $790 more per year in Mesa if you have an at-fault accident on your driving record.
AVERAGE MESA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$2,133|
|At-fault Accident (damages greater than $2,000)||$2,133|
|Speeding Ticket (16-20 mph over speed limit)||$1,808|
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Mesa
Find Local Mesa Agents
Arnett Insurance Services, LLC
3850 E Baseline Rd Mesa, AZ 85206
Main Street Group
239 W Main St Mesa, AZ 85201
LeBaron & Carroll, LLC
1350 E Southern Ave Mesa, AZ 85204
Kohlhase Insurance, Inc.
6550 E Main St Mesa, AZ 85205
Harnish Insurance Group, Inc.
2045 S Vineyard Ste 143 Mesa, AZ 85210
CBI Bonding Inc.
535 E McKellips Rd Mesa, AZ 85203
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
Dale Studer Agency, Inc.
2045 S Vineyard Ste 143 Mesa, AZ 85210
Astoria Insurance Services LLC
6209 E BASELINE RD MESA, AZ 85206
Passey-Bond Company, Inc.
28 N Center St Mesa, AZ 85201
The Adams Agency
3851 E Main St Mesa, AZ 85205
Willey Insurance Group, Inc.
2130 E Brown Rd Ste 3 Mesa, AZ 85213
The Mahoney Group
1835 S Extension Road Mesa, AZ 85210
Oracle Insurance Group, Inc.
4135 S Power Rd Mesa, AZ 85212
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