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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.

Graph
Table
City average ratesState average ratesNational average cost
$1,976$1,812$1,895

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.

Key Takeaways

  • The average car insurance cost in Mesa, Arizona is $1,976 per year.
  • Geico offers the cheapest car insurance in Mesa, at an average of $1,349 per year.
  • Young adults pay $3,216 per year for car insurance in Mesa.

Cheap car insurance companies in Mesa

Geico offers the most affordable car insurance in Mesa for coverage limits of 100/300/100 at $1,349 per year.

The Travelers comes close second offering car insurance at $1,577 per year.

As mentioned previously, car insurance quotes differ amongst companies due to the factors they consider when determining rates. Hence, it’s advisable to obtain quotes from multiple insurers to find affordable car insurance rates in Mesa that align with your needs before finalizing your insurance carrier.

Here are the average annual and monthly costs for the various car insurance companies providing coverage in Mesa, Arizona:

Affordable car insurance providers in Mesa

Graph
Table
Company NameAverage annual costAverage monthly cost
Geico$1,349$112
Travelers$1,577$131
Auto Owners$1,667$139
Nationwide$1,930$161
Progressive$2,020$168
Allstate$2,410$201
State Farm$2,492$208
Farmers$2,679$223
USAA$1,662$138

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

Car insurance rates in Mesa, are highest for teens at $7,814 per year or $651 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $3,216 annually for their car insurance, which is $4,598 less than what teens pay for their insurance coverage.

In Mesa, adult drivers pay an average of $1,969 per year for car insurance, while senior drivers pay $2,038 annually.

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per 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 rates by age groups in Mesa

Graph
Table
Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)
$7,814$3,216$1,969$2,038

Examining car insurance rate trends in Mesa, Arizona, we observe a upward trend from 2022 to 2023. Subsequently, from 2022 to 2023, the rates experienced increase overall, with an increase of 14% or $240.

The table below shows the trend for last four years:

How car insurance rates are changing in Mesa

Graph
Table
2016 rates2019 rates2022 rates2023 rates
$1,482$1,973$1,736$1,976

Conclusion

In conclusion, the insurance rates in Mesa, are higher than the average insurance cost in Arizona. Shopping around and taking advantage of available discounts, drivers in Mesa can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

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.

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Prachi Singh
Contributing Researcher

 
  

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.

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