Car insurance in Mesa: Cheapest insurance and average rates

Car insurance in Mesa costs $1,976 per year for full coverage – $165 monthly. Geico offers the cheapest car insurance policy at $112 per month.

Mesa is home to just over a half-million people and is part of the Phoenix, Arizona, metro. If you are moving to Mesa — or already live there — it is important to find the right car insurance policy. Fortunately, there are ways to get cheap car insurance in Mesa that will provide the coverage you need. 

Learn more about what a typical policy costs in Mesa and what you need to know if you are new to the city.

 

How to find the best car insurance in Mesa 

With the right tools and a little work, you can find the best car insurance policy in Mesa that marries the coverage you need with a cost you can afford. 

Before shopping for car insurance, determine the type of policy you need, including the amount of coverage necessary to protect yourself. Get quotes from at least three companies comparing similar coverage limits and options and ask about any discounts you qualify for. It’s always best to buy as much coverage as you can afford.

Cheapest car insurance company in Mesa 

Geico provides the cheapest car insurance in Mesa, according to recent data. It costs an average of $1,349 annually to purchase a full-coverage policy from the insurer. The next cheapest car insurance companies are Travelers and USAA.

See other cheap car insurance rates in Mesa in the table below.

Average annual rates from insurers in Mesa 

How much is car insurance in Mesa per month?

Mesa residents can expect to pay an average of $165 per month in full coverage car insurance costs, or $50 per month for the state minimum coverage.

Of course, some drivers pay less than this average, while others pay more. Factors determining how much you pay for car insurance include the insurance company you choose and the coverage you need. Other factors — including your age and gender, vehicle make/model and your history of accidents and violations — also influence car insurance costs.  

One way to cut the cost of car insurance is to ask potential insurers about discounts they may offer. For example, you might earn a discount for having an accident-free driving history or for agreeing to receive paperless statements. 

“Bundling your auto policy with other products such as home, renters and umbrella insurance is also a great way to save,” says Alaina Hixson, a Nashville-based director of sales and operations at The Churchill Agency. 

Monthly rates for car insurance in Mesa, Arizona

How do rates in Mesa compare to other large cities in the U.S.?

The cost of coverage in Mesa is cheaper than in other major cities – but Mesa drivers pay more than other Arizona drivers. In Arizona, the statewide rate is $1,812 annually, compared with Mesa’s $1,976.

See how much you can expect to pay for car insurance in several major U.S. cities in the table below.

Monthly full-coverage car insurance costs in major U.S. metropolitan areas

Here’s what you need to know when driving in Mesa, AZ

As part of the Phoenix metro area, Mesa is no stranger to bad traffic. 

In 2022, drivers in the Phoenix area lost an average of 26 hours in traffic, according to INRIX, which looks at traffic patterns. That makes the metro the 31st most-congested city in the U.S.

If you are driving in the Phoenix-Mesa-Chandler area during rush hour, you can expect to spend an extra 13.7 minutes in traffic, according to the website CoPilot. That places the metro at No. 47 among all cities in the nation when it comes to losing time due to rush hour. 

Other things to remember when driving around Mesa:

• Speed limits in Arizona are typically 25 mph on residential streets, and 65 on urban freeways. Signs should mark when speed limits vary from these standards. 
• There are no toll roads anywhere in Arizona, so you will not have to dip into your wallet and pay tolls to drive any roads in Mesa.
• Traffic violations can result in points on your driver’s license. If you accumulate eight points during a 12-month period, a suspension of up to three months of your license will apply. If you accumulate 12 points during a 12-month period, you might have to attend traffic survival school or your license could be suspended for a year.

How much car insurance do I need in Mesa?

Arizona requires you to carry liability coverage that at minimum includes the following amounts:

• $25,000 for one person sustaining bodily injury to or death in an accident
• $50,000 for two or more persons sustaining bodily injury to or death in an accident
• $15,000 for damage to others’ property

This is often referred to as “25/50/15 coverage.”

However, these minimum levels of coverage will not be adequate for most drivers. 

Many drivers will prefer to carry much higher levels of liability coverage so they are better protected financially. In addition, liability insurance does not cover you or your car. 

That means drivers also might be interested in going beyond the minimum to protect their vehicles with comprehensive and collision coverage. If you are unsure of how much coverage you need, consult with an insurance agent who can help. 

Average cost of car insurance in Mesa 

The average cost of full-coverage car insurance in Mesa is $1,976 annually. That compares to a statewide average of $1,812 and a nationwide average of $1,895. 

Annual average rates in Mesa for state minimum coverage and full coverage

How much does car insurance in Mesa cost with violations?

Moving violations on your driving record will increase your car insurance rates. Violations like speeding tickets often cause a significant but manageable rise in rates. Other types of violations can make rates climb much higher. This is particularly true if you are convicted of a DUI. 

See rate increases in Mesa in the table below by violation.

Cheapest car insurance in Mesa by age

Your age will impact how much you pay for car insurance. The youngest drivers tend to pay the highest rates. The oldest drivers also are likely to pay more in their 70s. See how much you can expect to pay by age in the table below.

Annual rates for state minimum and full coverage car insurance in Mesa, by age

Compare auto insurance rates in Mesa by ZIP code 

Where you live also plays a role in how much you pay for car insurance. Here are the Mesa area ZIP codes with the cheapest and most expensive car insurance rates. See the tables below for the cheapest and most expensive ZIP codes for car insurance in Mesa. 

Cheapest annual car insurance rates in Mesa, by ZIP code 

Most expensive annual car insurance rates in Mesa, by ZIP code 

Our recommendations: Car insurance for drivers in Mesa 

If low prices are your top focus when shopping for car insurance, Geico might be your best choice. It has the lowest average rates in our survey. 

However, it’s often a mistake to shop by price alone. It is crucial to make sure you have exactly the coverage you need, even if you have to pay a little more for it. 

Shopping around and gathering quotes from several insurance companies is the best way to get the coverage you need at the best price. 

A full coverage insurance policy with liability limits of 100/300/100 is the best option for most drivers. Consider increasing your liability limits as you accumulate wealth and your net worth increases. Purchasing as much car insurance as you can afford will give you peace of mind as you navigate the roads of Mesa.

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In 2024, Insure.com commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C.