How Much Does Car Insurance Cost in Mesa?
Mesa premiums, which are 15% greater than Arizona's average, are recognized for being pricey. Therefore it is crucial to cut costs while insuring a vehicle in Mesa. Let's take a look at how auto insurance costs in Mesa contrast with rates nationwide.
INSURANCE COSTS: MESA VS. US/STATE AVERAGES
|City Average||State Average||National Average|
Mesa Car Insurance by Credit Rating
There is a difference of $1,973 per year between car insurance premiums for those with Exceptional credit (800-850) and Very Poor credit (300-579). Drivers can save around $1,435 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).
MESA CAR INSURANCE RATES BY CREDIT TIER
|Credit Quality||Average Car Insurance Rate|
Mesa Car Insurance by Marital Status and Gender
Pricing for car insurance premiums in Mesa is determined by a lot of considerations, including gender and marital status. On average, males have premiums that are a mere 1% cheaper than those for females. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Being single, as opposed to married, can cost you approximately 7% more per year on car insurance.
MESA AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Mesa Auto Insurance Rates by Age
The most significant decline in premiums for Mesa drivers happens when they reach their 20s. Once out of the teenage age bracket, people pay 68% less in premiums. Premiums for drivers in Mesa continue to shrink through their 50s, but they can expect an increase when they turn 60. With car insurance payments of $5,814 on average, teenage drivers have the highest rates of any age group. Drivers in their 50s save money on car insurance premiums, as they have the lowest rates among all age groups, paying only $1,250 annually. However, those in their 60s ($1,307) have premiums that aren't much higher.
MESA CAR INSURANCE COSTS BY AGE
Mesa Auto Insurance for Drivers With At-Fault Accidents or Violations
Having a flawless driving record is crutial if you want to keep your car insurance premiums minimal. The value of the damage caused by an accident plays a part in how drastically insurance rates will climb. Being at-fault in an accident with damages exceeding $2,000 costs you an extra 15% per year in premiums compared to an accident with damages less than $1,000. Drivers with a DUI in Mesa need to spend 2.3x more than the city average to insure their vehicle. Reckless driving will push your premiums up as well, with average rates of $2,444, which are 74% higher than the city average!
AVERAGE MESA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$1,943|
|At-fault Accident (damages greater than $2,000)||$2,231|
|Speeding Ticket (16-20 mph over speed limit)||$1,886|
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
Find Local Mesa Agents
Main Street Group
239 W Main St, Mesa, AZ 85201
CBI Bonding Inc.
535 E McKellips Rd Suite 129, Mesa, AZ 85203
Astoria Insurance Services LLC
6209 E BASELINE RD, MESA, AZ 85206
Oracle Insurance Group, Inc.
4135 S Power Rd Ste 133, Mesa, AZ 85212
The Adams Agency
3851 E Main St, Mesa, AZ 85205
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
Canyon Lands Insurance
3654 N Power Rd Ste 146, Mesa, AZ 85215
Red Rock Insurance LLC
4140 E Baseline Rd Ste 101, Mesa, AZ 85206
Harnish Insurance Group, Inc.
2045 S Vineyard Ste 143, Mesa, AZ 85210
LeBaron & Carroll, LLC
1350 E Southern Ave, Mesa, AZ 85204
Passey-Bond Company, Inc.
28 N Center St, Mesa, AZ 85201
Kohlhase Insurance, Inc.
6550 E Main St, Mesa, AZ 85205
Dale Studer Agency, Inc.
2045 S Vineyard Ste 143, Mesa, AZ 85210
The Mahoney Group
1835 S Extension Road, Mesa, AZ 85210
The average Mesa resident's annual cost of coverage
Our customer's average savings after comparing insurance
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