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 AverageState AverageNational Average
$1,408$1,221$1,569


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 QualityAverage Car Insurance Rate
Very Poor$3,142
Fair$1,706
Good$1,408
Very Good$1,275
Exceptional$1,168


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/GenderAverage Rate
Female$1,429
Male$1,408
Single$1,408
Married$1,319
Divorced$1,408
Widowed$1,378


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
AgeAverage Rate
Teenagers$5,814
20s$1,879
30s$1,390
40s$1,345
50s$1,250
60s$1,307
70s$1,595


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/ViolationAverage Annual Premium
DUI$3,178
Reckless Driving$2,444
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.

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

Find Local Mesa Agents

CBI Bonding Inc.

535 E McKellips Rd Mesa, AZ 85203

Main Street Group

239 W Main St Mesa, AZ 85201

Harnish Insurance Group, Inc.

2045 S Vineyard Ste 143 Mesa, AZ 85210

Passey-Bond Company, Inc.

28 N Center St Mesa, AZ 85201

Willey Insurance Group, Inc.

2130 E Brown Rd Ste 3 Mesa, AZ 85213

LeBaron & Carroll, LLC

1350 E Southern Ave Mesa, AZ 85204

The Adams Agency

3851 E Main St Mesa, AZ 85205

Kohlhase Insurance, Inc.

6550 E Main St Mesa, AZ 85205

The Mahoney Group

1835 S Extension Road Mesa, AZ 85210

Oracle Insurance Group, Inc.

4135 S Power Rd Mesa, AZ 85212

Astoria Insurance Services LLC

6209 E BASELINE RD MESA, AZ 85206

Dale Studer Agency, Inc.

2045 S Vineyard Ste 143 Mesa, AZ 85210

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

Arnett Insurance Services, LLC

3850 E Baseline Rd Mesa, AZ 85206

Not sure about Mesa

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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.