Best cheap car insurance in Mesa

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In 2019, there were 7,641 car accidents reported in Mesa, Arizona. Drivers in Mesa are required to carry car insurance to protect their legal and financial responsibility in the event of a crash. The average cost of car insurance in Mesa is $1,657 per year for full coverage insurance and $661 for minimum coverage insurance.

Car insurance rates in Mesa are personalized, and every insurance company charges a different rate for coverage. We identified the best cheap car insurance in Mesa based on average premium, coverage options, discounts available and more.

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 the best car insurance companies in Mesa that offer excellent coverage, good discounts, impressive financial strength, reliable customer service and high customer satisfaction ratings.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
American Family 834 / 100 $760 $1,376
Allstate 830 / 100 $637 $1,813
Geico 834 / 100 $376 $939
The Hartford 829 / 100 $592 $1,402

Quadrant Information Services, 2020

American Family

In J.D. Power’s 2020 U.S. Auto Insurance Study, American Family ranked as the best car insurance company for overall customer satisfaction in the Southwest region. American Family is known for offering affordable rates, customizable coverage and good customer service.

We recommend American Family to drivers in Mesa who want to take advantage of insurance discounts. American Family offers savings for loyal customers, good drivers, young volunteers, smart students, signing up for autopay and having a car with safety equipment.

Allstate

Allstate’s car insurance policies are more expensive than average, but the policies are well worth the price. With Allstate, drivers can customize their policy with add-ons like sound system insurance, personal injury protection, 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.

Geico

Geico tied for first place in J.D. Power’s Auto Insurance Study, earning the same score as American Family. 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.

The one downside to Geico is that the coverage is very 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.

The Hartford

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 your best 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. We also like that The Hartford has a 12-month rate-lock guarantee and a disappearing deductible.

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 $1,738 for full coverage insurance and $563 per year for minimum coverage insurance.

However, some car insurance companies are cheaper 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
Geico $376 $939
Mercury $446 $1,372
Nationwide $478 $1,233
Travelers $505 $1,213
USAA $512 $1,374

Not every cheap car insurance company in Arizona is created equal, so comparing providers is essential. For instance, USAA only serves military members. If you are not military-affiliated, you will not qualify for coverage, so you can check that provider off your list.

If you are looking for bare minimum coverage at the lowest rate, Geico is going to be your best option. On the other hand, if you want to customize your policy with endorsements, then Mercury, Nationwide or Travelers are going to 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 cross-compare. For example, Geico is the only provider that offers savings for federal employees, and Travelers is the only provider that offers a discount for hybrid 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 in bodily injury coverage per person
  • $50,000 in bodily injury coverage per accident
  • $15,000 in property damage coverage per accident

Drivers who purchase minimum coverage insurance pay the lowest rate. However, there is no guarantee that liability-only insurance will be enough to cover the full cost of an accident. Full coverage insurance offers more protection, and it is typically required for drivers who lease or finance their 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 can save some money on their premium.
  • Automatic payments discount: Most insurance companies will offer drivers a discount if they enroll in automatic payments for their monthly 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, upgrading to full coverage insurance is a smart investment. Liability-only coverage offers limited protection in the event of an accident. And if you want coverage for your vehicle, you will need to buy a full coverage policy with collision and comprehensive insurance.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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 sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Rates are determined based on 2021 Quadrant Information Services data.

About the author


Elizabeth Rivelli

Elizabeth Rivelli

Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.