Mesa Car Insurance

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 $149.51 per month compared to the national average of $167.68 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.

Mesa, AZ Best Car Insurance Companies

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, Kemper Personal Insurance generally has the most affordable car insurance in Mesa coming in around $53.00 per month. Other companies to consider if you live in Mesa is Kemper Premium with an average cost of $90.55 per month and Ameriprise Group which typically runs around $90.67 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Mesa.

How Much is Car Insurance in Mesa, AZ?

Rates can vary from city to city. The residents of Apache Junction typically pay $116.69 per month while people who live in Casa Grande will pay $135.75 per month on average. See what people pay for car insurance in other cities in Arizona.

Cheap Car Insurance in Mesa by Zip Codes

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.

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 $108.19 per month in Mesa. Compare that to drivers in their 30’s who typically pay around $113.87 per month drivers in their 40s at $147.56 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.

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, Clearcover typically charges around $115.54 per month. This is likely the most affordable option in Mesa. You might also want to consider Liberty Mutual and ACCC Insurance Company who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Mesa

20 year-olds in Mesa might want to consider Ameriprise Group who, on average, offers car insurance rates around $96.22 per month. Clearcover , USAA , Kemper Premium and ACCC Insurance Company are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Mesa

If you are in your 30s in Mesa our research has found that Ameriprise Group typically has the most affordable coverage coming in around $74.00 per month, followed by Clearcover at $84.20 and USAA at $117.99.

Cheapest Insurance for 40 Year-olds in Mesa

On average, ACCC Insurance Company offers car insurance for 40 year-olds in Mesa for around $111.88 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.

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 Kemper Personal Insurance generally offers the most affordable coverage at $53.00 per month.

Cheapest Insurance for 60 Year-olds in Mesa

If you live in Mesa and you’re in your 60s, our data indicates that Mercury Insurance usually has the best rates at $87.66 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Mesa, AZ

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 $158.60 while drivers who are not currently covered will pay around $145.03.

Compare Recent Car Insurance Quotes in Mesa

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 2002 Oldsmobile Bravada can expect to pay around $593.24 per month while someone that owns a 2016 Kia Sorento may pay around $141.78 per month. Check out the list of recent quotes in Mesa below.

FAQ's for Drivers in Mesa, AZ

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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