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Mesa Car Insurance

How much does car insurance cost in Mesa, AZ? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Mesa?

Mesa is an adventure-filled town known for its stunning scenic views, unforgettable natural attractions and old-West charm. Tourists enjoy visiting beautiful settings like the Apache Trail, Canyon Lake, Superstition Mountains and the Salt and Verde Rivers. The city also has marvelous cultural institutions like the Arizona Museum of National History, the Phoenix Zoo and a Commemorative Air Force Airbase.

Residents can use the Valley Metro Mesa Transit system to travel through the town, but it's convenient to have a car to visit nearby cities like Phoenix, Gilbert, Tempe and Scottsdale.

Are you a Mesa resident who needs insurance coverage for your vehicle? SmartFinancial can help you find affordable insurers that fit your needs and budget. In this article, you'll learn about the auto insurance requirements for Mesa.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Arizona has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Mesa typically pay around $101.17 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Arizona $99.72
Mesa, Arizona $101.17

Mesa, AZ Best Car Insurance Companies

car insurance in Mesa

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Mesa coming in around $76.47 per month. Other companies to consider if you live in Mesa is SAFECO with an average cost of $94.12 per month and USAA which typically runs around $104.44 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Mesa.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $76.47-23.32%
2 SAFECO $94.12-5.62%
3 USAA $104.444.73%
4 Ameriprise Group $106.056.35%
5 Farm Bureau Mutual (IA Group) $111.5411.85%
6 Mercury Insurance $113.4713.79%
7 CSAA $121.3821.72%
8 State Farm $129.5029.87%
9 Travelers $135.2435.62%
10 ACCC Insurance Company $136.2736.65%

How Much is Car Insurance in Mesa, AZ?

how much is auto insurance in Mesa

Rates can vary from city to city. The residents of Glendale typically pay $115.18 per month while people who live in Mesa will pay $100.31 per month on average. See what people pay for car insurance in other cities in Arizona.

Arizona CitiesMonthly Average Rate
Glendale $115.18
Mesa $100.31
Phoenix $110.56
Scottsdale $95.80
Tucson $88.34

Cheap Car Insurance in Mesa by Zip Codes

find cheap auto insurance in Mesa

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Arizona. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Mesa, AZ ZIP CodeAverage Monthly Rate
85201$99.96
85202$89.10
85203$99.35
85204$101.64
85205$89.76
85206$100.95
85207$100.80
85208$111.61
85209$108.31
85210$112.14
85212$93.00
85213$105.11
85214$47.78
85215$74.18
85216$32.13
85274$56.99

Car Insurance Rates by Driver's Age Group in Mesa

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $254.07 per month in Mesa. Compare that to drivers in their 30’s who typically pay around $84.31 per month drivers in their 40s at $78.20 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$254.07
20s$138.32
30s$84.31
40s$78.20
50s$64.72
60s$69.81
70+$86.54

Cheapest Insurance for Teenage Drivers in Mesa

If you are teen in Mesa you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, CSAA typically charges around $198.17 per month. This is likely the most affordable option in Mesa. You might also want to consider SAFECO and Ameriprise Group who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
CSAA$198.17
SAFECO$211.33
Ameriprise Group$232.86
Farm Bureau Mutual (IA Group)$238.19
USAA$292.07

Cheapest Insurance for 20 Year-olds in Mesa

20 year-olds in Mesa might want to consider Clearcover who, on average, offers car insurance rates around $88.68 per month. Mercury Insurance , Liberty Mutual , SAFECO and Kemper Premium are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$88.68
Mercury Insurance$89.92
Liberty Mutual$107.50
SAFECO$118.40
Kemper Premium$136.33

Cheapest Insurance for 30 Year-olds in Mesa

If you are in your 30s in Mesa our research has found that SAFECO typically has the most affordable coverage coming in around $60.65 per month, followed by Clearcover at $76.91 and Ameriprise Group at $79.06.

CompanyAverage Monthly Rate
SAFECO$60.65
Clearcover$76.91
Ameriprise Group$79.06
USAA$87.70
Farm Bureau Mutual (IA Group)$93.77

Cheapest Insurance for 40 Year-olds in Mesa

On average, Ameriprise Group offers car insurance for 40 year-olds in Mesa for around $71.90 per month. If you are looking for affordable coverage, you may also want to consider Clearcover or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Ameriprise Group$71.90
Clearcover$73.93
USAA$75.13
Farm Bureau Mutual (IA Group)$96.57
CSAA$103.19

Cheapest Insurance for 50 Year-olds in Mesa

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Mesa we found that Clearcover generally offers the most affordable coverage at $64.79 per month.

CompanyAverage Monthly Rate
Clearcover$64.79
Ameriprise Group$68.69
USAA$69.41
SAFECO$77.43
Farm Bureau Mutual (IA Group)$83.00

Cheapest Insurance for 60 Year-olds in Mesa

If you live in Mesa and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $69.14 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Clearcover$69.14
USAA$71.55
SAFECO$74.40
Ameriprise Group$75.37
Farm Bureau Mutual (IA Group)$82.04

Driver's Coverage Auto Insurance Rates in Mesa, AZ

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Mesa, the average monthly rate for a driver who is currently insured is $91.31 while drivers who are not currently covered will pay around $115.74.

CoverageAverage Monthly Rate
Not Currently Insured $115.74
Currently Insured $91.31

Compare Recent Car Insurance Quotes in Mesa

auto insurance quotes in Mesa city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Mesa a driver of a 2015 Chevrolet Cruze can expect to pay around $109.74 per month while someone that owns a 2005 Chevrolet Silverado may pay around $70.35 per month. Check out the list of recent quotes in Mesa below.

VehicleAverage Monthly Rate
2015 Chevrolet Cruze$109.74
2005 Chevrolet Silverado$70.35
2017 Ram 1500$75.15
2016 Hyundai Santa Fe Sport$63.74
2015 Honda Accord$79.78
2016 GMC Terrain$70.26
2008 Kia Sedona$47.05
2016 Mitsubishi Outlander Sport$40.85
2013 Ford Edge$83.61
2013 Kia Optima$85.19

FAQ's for Drivers in Mesa, AZ

driver’s frequently asked question in Mesa

What Is the Minimum Amount of Liability Coverage Requirement in Mesa?

Arizona requires individuals to show they have financial responsibility (insurance) in effect for their motor vehicles. The state requires all drivers to carry liability insurance coverage. The minimum requirements for private passenger vehicles in Mesa are:

  • Bodily Injury Liability Coverage: $25,000 per person
  • Bodily Injury Liability Coverage: $50,000 (two or more people)
  • Property Damage Liability Coverage: $15,000
  • Uninsured Motorist Bodily Injury: $25,000 per person, $50,000 per accident*
  • Underinsured Motorist Bodily Injury Damage: $25,000 per person/ $50,000 per accident*

*Drivers can decline uninsured and underinsured motorist coverages by speaking to a licensed insurance agent.

Arizona's minimum insurance requirements may not provide enough coverage if you're in a wreck. Buy more protection, especially if you have assets, like a home.

SmartFinancial can help you find affordable car insurance to ensure you have enough protection when the worst happens. Fill out the form on this page to get started.

What Is the Blood Alcohol Concentration (BAC) Limit in Mesa?

Driving Under the Influence (DUI) refers to individuals who operate a vehicle with alcohol, drugs, or other illegal substances in their systems.

Arizona has an implied consent law. Under this statute, motorists who apply for driver's licenses have already consented to field sobriety and chemical tests to determine their impairment. Drivers who refuse to take this test can face immediate revocation of their driving privileges.

The state says it is a criminal offense for a person to drive with the following Blood Alcohol Concentration (BAC):

  • Impairment for Commercial Drivers: .04 BAC
  • Potential Impairment: .05 - .079 BAC (Drivers 21 years and older)
  • Driving Under the Influence: .08 BAC (21 years and older)
  • Zero Tolerance (for Drivers Under 21 Years Old)

The courts can still convict drivers of DWIs in Mesa if their breath or blood test is at or above the legal limits. Law enforcement can also charge them with one if they refuse to take a test. Police officers can charge individuals with DWI if their test falls below the legal limits, but they have an impairment because of drugs or alcohol.

If you made a bad decision and have a DUI on your record, it can significantly increase your auto insurance rates. SmartFinancial can help you find lower insurance rates. Enter a zip code and answer a few questions to begin comparing insurers who can meet your needs.

Can I Register My Car Without Insurance in Mesa?

No, you cannot register a car in the state of Mesa without insurance. Drivers must provide proof of their insurance at AZ MVD Now.

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Commute Time in Mesa, AZ

24.8 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Mesa, AZ

214

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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