Average car insurance cost in Mesa, AZ

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The average car insurance cost in Mesa, Arizona is $1,976 per year, according to Insure.com data. This is $164 more than the average auto insurance cost in Arizona and $81 more than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Mesa, the average car insurance rates by age, gender and how much is car insurance in Mesa based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Mesa. Read on to learn more.

Cheap car insurance companies in Mesa

At an average of $1,349 per year with full coverage limits of 100/300/100, Geico provides the most affordable car insurance in Mesa.

Ranked as the second most affordable company in Mesa, Travelers provides car insurance at $1,577 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Mesa that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Mesa, Arizona:

Read about the best car insurance companies.

Average car insurance cost in Mesa by coverage limits

The average car insurance rates in Mesa based on coverage types are as follows:

• State minimum coverage: $600 per year (limits are 25/50/25)
• Liability only coverage: $899 per year (limits are 50/100/50)
• Full coverage: $1,976 per year (limits are 100/300/100)
• Non-owners coverage: $435 per year

In many states, it’s a legal requirement for drivers to maintain the state minimum coverage, although these requirements vary by state. The state minimum coverage does not cover vehicles listed on your policy in an at-fault accident.

To avoid the risk of insufficient coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage, especially if you frequently borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Mesa

Based on an analysis by Insure.com, female drivers in Mesa, Arizona pay an average annual car insurance premium of $1,989. In comparison, male drivers pay $1,964 annually, which is $25 less than what female drivers pay.

According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Mesa

In Mesa, car insurance rates are the highest for teens, at $7,814 per year or $651 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $3,216 per year for their car insurance which is $4,598 less than what the teens pay for their insurance policy.

The car insurance rates in Mesa for adult and senior drivers are $1,969 and $2,038 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Mesa

If we look at the car insurance rates trends in Mesa, Arizona, it was on an upward swing from 2022 to 2023. From 2022 to 2023, the rates increase overall by 14%, or $240.

The table below shows the trend for last four years:

Conclusion

Car insurance rates in Mesa are higher than the average rates in Arizona. Drivers in Mesa can secure affordable car insurance by shopping around and utilizing available discounts. Additionally, many insurance companies offer bundling discounts for customers who purchase multiple policies from the same provider.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.