How Much Does Car Insurance Cost in Mesa?


Mesa premiums, which are 8% higher than the state average, are known for being expensive. So it is important to cut costs while insuring a vehicle in Mesa. We've analyzed how auto insurance rates in Mesa compare to costs nationwide.


CAR INSURANCE PREMIUMS: MESA VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,343$1,247$1,427


Mesa Auto Insurance by Accident or Violation History


Possessing an unblemished driving record is crutial if you want to keep the expense of car insurance premiums minimal. No one plans on getting into an accident, but things happen, so be aware of the effect one can have on your rates. In Mesa, individuals who are found at-fault in an accident pay 59% more per year to insure their vehicle. In Mesa, drivers with a DUI have rates that surpass the city average ($1,343) by 74%. Reckless driving will bump your rates up as well, with average rates of $3,055, which are 127% higher than the city average!


AVERAGE MESA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Insurance Rate
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


Mesa Car Insurance Costs by Age

With rates of $5,701 on average, teenage drivers are the ones who pay the most in car insurance premiums. When looking across all age groups, drivers in their 50s have the lowest payments. Their rates typically average $1,183/year. Drivers in Mesa see the greatest reduction in premiums when they hit their 20s, as they pay an average of 68% less after moving out of the teenage age range. Rates for drivers in Mesa continue to shrink through their 50s, but they can anticipate to pay more when they turn 60.


MESA CAR INSURANCE RATES BY DRIVER 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 Auto Insurance by Marital Status and Gender


In Mesa, several driver characteristics, including gender and marital status, can play a part in car insurance premiums. Rates for those who are widowed are slightly cheaper than rates for those who are single. Being married can save you 7% per year compared to being single. Premiums for women are normally a mere 1% more pricey than for men.


MESA CAR 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 by Credit Rating


People with Exceptional credit (800-850) pay an average of 58% less every year on premiums than those with Very Poor credit (300-579). Shifting from Very Poor (300-579) to Fair (580-669) brings in the most significant percent decrease in premiums, as drivers save close to 22% per year.


MESA AUTO INSURANCE COSTS BY CREDIT TIER
Credit LevelAverage Auto Insurance Rate
Very Poor$2,795
Fair$2,186
Good$1,742
Very Good$1,410
Exceptional$1,163


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

Kohlhase Insurance, Inc.

6550 E Main St Mesa, AZ 85205

Oracle Insurance Group, Inc.

4135 S Power Rd Mesa, AZ 85212

Willey Insurance Group, Inc.

2130 E Brown Rd Ste 3 Mesa, AZ 85213

The Adams Agency

3851 E Main St Mesa, AZ 85205

Red Rock Insurance LLC

4140 E Baseline Rd Ste 101 Mesa, AZ 85206

Astoria Insurance Services LLC

6209 E BASELINE RD MESA, AZ 85206

LeBaron & Carroll, LLC

1350 E Southern Ave Mesa, AZ 85204

Harnish Insurance Group, Inc.

2045 S Vineyard Ste 143 Mesa, AZ 85210

The Mahoney Group

1835 S Extension Road Mesa, AZ 85210

Passey-Bond Company, Inc.

28 N Center St Mesa, AZ 85201

CBI Bonding Inc.

535 E McKellips Rd Mesa, AZ 85203

Arnett Insurance Services, LLC

3850 E Baseline Rd 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

Main Street Group

239 W Main St Mesa, AZ 85201

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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Mesa Car Insurance

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