The average cost of car insurance in Mesa is $1,657 per year for full coverage insurance and $661 per year for minimum coverage insurance. With drivers required to carry car insurance for legal and financial responsibility in the event of a crash, finding the most affordable policy for your needs is an important part of your financial health.
Car insurance rates in Mesa are personalized, and every insurance company charges a different rate for coverage. To find the best cheap car insurance in Mesa, Bankrate’s team of insurance editors analyzes each company’s average premiums, coverage options, discounts available, financial stability ratings and customer satisfaction scores. Armed with this knowledge, you may feel more confident in choosing a car insurance company for your needs.
Best car insurance companies in Mesa
Drivers in Mesa have a variety of options for car insurance. However, every car insurance carrier has its pros and cons. The table below includes some of the best car insurance companies in Mesa, based on our research. This is based not only on price but also the types of coverage, discounts, resources and support each company has available. These companies also share impressive financial strength scores, reliable customer service and high customer satisfaction ratings in J.D. Power’s 2021 U.S. Auto Insurance Study.
|Insurance company||J.D. Power score (Southwest region)||Average annual premium for minimum coverage||Average annual premium for full coverage|
|American Family||850 / 1,000||$760||$1,376|
|Allstate||822 / 1,000||$637||$1,813|
|Geico||829 / 1,000||$376||$939|
|The Hartford||826 / 1,000||$592||$1,402|
Quadrant Information Services, 2020
American Family ranks as the best car insurance company for overall customer satisfaction in the Southwest region in the J.D. Power study. American Family is known for offering affordable rates, customizable coverage and good customer service. Drivers in Mesa who want to take advantage of car insurance discounts might want to get a quote from American Family. American Family offers savings for loyal customers, good drivers, young volunteers, smart students, signing up for autopay and having a car with safety equipment.
Learn more: American Family Insurance review
Allstate does not offer the cheapest average premiums, but the company might make up for that with optional coverages. Drivers can customize their policy with add-ons like sound system insurance, accident forgiveness and rental car reimbursement. In addition, Allstate offers a variety of discounts that can help lower your premium, such as paying in full, insuring a new car and enrolling in the Drivewise safe driver program. Allstate also offers a usage-based insurance policy, called Milewise, which is ideal for infrequent drivers.
Learn more: Allstate Insurance review
Geico is well-known for offering very affordable rates. It is the cheapest provider on our list with an average annual premium of $939 for full coverage insurance. However, Geico’s coverage is relatively limited. On the other hand, Geico customers can take advantage of generous discounts, like savings for military personnel, emergency deployment, federal employees, smart students and more.
Learn more: Geico Insurance review
The Hartford is a unique insurance company because it only serves AARP members. If you are over 50 and belong to AARP, The Hartford could be a good option for car insurance. The company has great customer service, reasonable rates and unique coverages. Drivers in Mesa can customize their policy with new car replacement coverage, accident forgiveness and RecoverCare, which provides household assistance after an accident. The Hartford has a 12-month rate-lock guarantee option and a disappearing deductible option.
Learn more: The Hartford Insurance review
Cheapest car insurance in Mesa
The average cost of car insurance in Mesa is more expensive than the United States national average rate. The average American driver pays $1,674 for full coverage insurance and $565 per year for minimum coverage insurance.
However, some car insurance companies are cheaper on average than others. The table below highlights the cheapest car insurance rates from the most popular carriers in Mesa based on market share.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Not every cheap car insurance company in Arizona is created equal, so comparing providers is essential. For instance, USAA only serves military members and their immediate families. If you are not military-affiliated, you will not qualify for coverage.
If you are looking for bare minimum coverage at the lowest rate, Geico could be your best option. On the other hand, if you want to customize your policy with endorsements, then Mercury, Nationwide or Travelers might be better choices.
In terms of discounts, these providers stack up pretty equally. But if you are looking for specific savings, you will need to compare providers. For example, Geico is the only provider on our list that offers savings for federal employees, and Travelers is the only provider listed here that offers a discount for hybrid vehicle owners.
Mesa insurance requirements
Car insurance is legally required for every driver in Mesa who owns a vehicle that is registered in the state of Arizona. Drivers must carry at least 25/50/15 personal liability insurance, which includes the following coverages:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Drivers who purchase minimum coverage insurance could pay some of the lowest rates. However, most insurance professionals recommend purchasing higher levels of liability coverage to provide yourself with greater financial protection. If you cause an accident, any injuries and property damage in excess of your insurance limits must be paid out of pocket, which can lead to significant financial distress. You may even need full coverage, which has comprehensive and collision coverages to pay for damages to your own car, especially if you have a loan or lease on your vehicle.
Car insurance discounts in Mesa
If you are searching for cheap car insurance in Mesa, look for insurance providers that offer discounts. Here are some of the most common ones that can help you save money:
- Good student discount: Smart students in high school and college who maintain a minimum GPA can often qualify for a discount on their car insurance policy.
- Policy bundling discount: If you bundle a home and auto insurance policy with the same company, you will usually get a lower rate.
- Claims-free discount: Drivers who have no insurance claims on their record within the last several years might save some money on their premium.
- Automatic payments discount: Many insurance companies will offer drivers a discount if they enroll in automatic payments for their premium.
Frequently asked questions
What is the best car insurance company?
The best car insurance company is different for every driver. For example, Geico might be the best provider for a driver who wants the cheapest rate, but Allstate might be a better option for a driver who wants customizable coverage. If you are in the market for car insurance, shop around and compare providers based on your personal criteria, and get multiple price quotes to see which company can offer the lowest rate for the type and amount of coverage you need.
How much car insurance do I need in Mesa?
Drivers in Mesa are required to carry at least 25/50/15 personal liability insurance. However, buying higher liability limits or upgrading to full coverage insurance could be a smart investment. State minimum coverage offers relatively limited protection in the event of an at-fault accident. And if you want coverage for your vehicle, you will need to buy a full coverage policy with collision and comprehensive coverages.
How do I get car insurance in Mesa?
To get a car insurance policy, you first need to get quotes. Most companies offer quotes online, but you can also call a company or visit a local agency. You will need the name, date of birth and driver’s license number for every driver in your household, as well as the vehicle identification number (VIN) for each vehicle you need to insure. Once you have a quote that you want to purchase, a company representative will let you know the next steps. You may need to sign an application and make a payment to start a policy.
What car insurance options should I consider?
The endorsements that you add to your car insurance policy will depend on your individual needs. If you drive often or long distances, having roadside assistance coverage might be helpful. If you only have one vehicle, you might want to add car rental coverage, which will pay for a rental car, up to your policy limit, while your car is in the shop after a covered claim. Other endorsements that you can consider adding to your policy include accident forgiveness, gap coverage and new car replacement.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.