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 AverageState AverageNational Average
$1,343$1,247$1,427


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 QualityAverage Auto Insurance Rate
Very Poor$2,795
Fair$2,186
Good$1,742
Very Good$1,410
Exceptional$1,163


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/GenderAverage Rate
Female$1,357
Male$1,343
Single$1,343
Married$1,246
Divorced$1,343
Widowed$1,319


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


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/ViolationAverage Annual Premium
DUI$2,339
Reckless Driving$3,055
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.

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

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

See All

Not sure about Mesa

Check out these other Arizona cities...

Phoenix

Tucson

Chandler

Gilbert

Glendale

Scottsdale

2

$1,157

The average Mesa resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

185

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

See How Much You Can Save in Mesa

Just enter your zip code to get started

Your information is secure.

Recent Questions:

Mesa Car Insurance

Parked car insurance so I can get tags for my vehicle

Oct 06, 2018

DMV says I have to have insurance in order to get my tags. Is there some sort of parked car ...

Who is at-fault when there’s 4 cars and I don’t have insurance

Jul 30, 2018

There was a 4 car accident and I just realized my car insurance lapsed. I wasn’t at-fault but I realized ...

Additional Resources:

Mesa Car Insurance

How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

The Rundown on “No Refusal” Weekends
The Rundown on “No Refusal” Weekends
Dec 20, 2016

The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Who Pays More for Car Insurance: Democrats or Republicans?
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016

Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016

Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...