Car Insurance in Mesa

On average, Mesa premiums are 8% higher than the state average. Going over some ways to save on Mesa car insurance can save you money.

  • City Average: $1,343
  • State Average: $1,247
  • National Average: $1,427

Mesa Car Insurance by Credit Rating

Individuals with Very Poor credit (300-579) pay an average of 2.4x more each year on premiums than those with Exceptional credit (800-850). Drivers will see the largest decrease in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $609 per year.

  • Very Poor: $2,795
  • Fair: $2,186
  • Good: $1,742
  • Very Good: $1,410
  • Exceptional: $1,163

Mesa Car Insurance by Accident or Violation History

Do you know the impact an accident or violation can have on your prices on car insurance? Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Mesa have rates $996 greater than the city average ($1,343). Reckless driving will push your premiums up as well, with average rates of $3,055, which are 127% higher than the city average! Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. Being at-fault in an accident can cost drivers an extra $790 per year to insure your vehicle in Mesa.

  • DUI: $2,339
  • Reckless Driving: $3,055
  • At-fault Accident (damages less than $1000): $2,133
  • At-fault Accident (damages greater than $2000): $2,133
  • Speeding Ticket (16-20 mph over speed limit): $1,808

Mesa Car Insurance by Age

Drivers in their 50s save money on car insurance, as they have the lowest rates among all age groups, paying only $1,183 each year. Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $5,701 on average. In Mesa, when drivers hit their 20s, therefore moving out of the teenage age bracket, they save an average of 68%, the biggest gap between any age group. The first time drivers can expect their age to trigger a rise in rates is when they turn 60.

  • Teenagers: $5,701
  • 20s: $1,804
  • 30s: $1,323
  • 40s: $1,274
  • 50s: $1,183
  • 60s: $1,243
  • 70s: $1,596

Mesa Car Insurance by Gender and Marital Status

Gender and marital status are among the various driver attributes that can affect car insurance premiums in Mesa. Being married can save you around $100 per year compared to being single or divorced. Rates for those who are widowed are marginally cheaper than rates for those who are single. Males have premiums that are a mere 1% cheaper than those for females.

  • Female: $1,357
  • Male: $1,343
  • Single: $1,343
  • Married: $1,246
  • Divorced: $1,343
  • Widowed: $1,319

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.

29

Rainy Days a Year

8"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Mesa

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

Find Local Mesa Agents

CBI Bonding Inc.

535 E McKellips Rd Mesa, AZ 85203

Willey Insurance Group, Inc.

2130 E Brown Rd Ste 3 Mesa, AZ 85213

Dale Studer Agency, Inc.

2045 S Vineyard Ste 143 Mesa, AZ 85210

Red Rock Insurance LLC

4140 E Baseline Rd Ste 101 Mesa, AZ 85206

The Mahoney Group

1835 S Extension Road Mesa, AZ 85210

Main Street Group

239 W Main St Mesa, AZ 85201

Arnett Insurance Services, LLC

3850 E Baseline Rd Mesa, AZ 85206

Astoria Insurance Services LLC

6209 E BASELINE RD MESA, AZ 85206

Harnish Insurance Group, 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 Mesa, AZ 85212

Canyon Lands Insurance

3654 N Power Rd Ste 146 Mesa, AZ 85215

LeBaron & Carroll, LLC

1350 E Southern Ave Mesa, AZ 85204

Passey-Bond Company, Inc.

28 N Center St Mesa, AZ 85201

The Adams Agency

3851 E Main St Mesa, AZ 85205

See All

Not sure about Mesa

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$1,157

The average Mesa resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

185

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

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Additional Resources:

Mesa Car Insurance

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