Best Auto Insurance Rates in Mesa, Arizona

On average your neighbors pay $70 a month.

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Covering over 130 square miles, Mesa is more populous than Miami, Minneapolis, or Atlanta. Mesa ranks third for most populous city in the state of Arizona and is home to over 500,000 residents. It's also part of a 21-city region with a population of 4.3 million people. This area is projected to grow to six million within 15 years. Make sure your insurance rates aren’t growing just as fast.

Average Mesa Car Insurance Rates

How much is car insurance in Mesa, AZ? Average car insurance rates in Mesa are slightly lower than the national average. The average cost of auto insurance in Arizona is $843.92. The national average price is $889.01 per year.

Prices may vary depending on your limits, coverage (liability or comprehensive), and the total number of insurance claims filed in your zip code.

Arizona Average Annual Auto Insurance Rates
Coverage Rates
Liability $508.76
Collision $277.96
Comprehensive $186.12
Total Cost Per Year $843.92
Price Per Month $70.32
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year Arizona's rate data is available. According to the III, Arizona car insurance rates increased from $776 in 2011 to $844 in 2015, a jump of $67, or 8.67 percent.

Arizona average car insurance rates

QuoteWizard helps consumers compare rates from both national car insurance companies and local independent agents. Comparing insurance quotes can help you find cheap car insurance rates near Mesa, Arizona and save up to 40% on your premium.

Last year, 13,029 people used QuoteWizard to do a car insurance quotes comparison in Mesa, AZ from multiple companies to find the best rates.

Best Car Insurance Companies in Mesa, AZ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Mesa, Arizona last year.

Top 10 Vehicles

This is our list of the most common car makes and models owned by Mesa, AZ drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Ford Mustang
  3. Honda Accord EX/LX
  4. Chevrolet C1500 Silverado
  5. Toyota Prius
  6. Honda Civic EX
  7. Chevrolet Malibu
  8. Ford Explorer
  9. Ford Focus SE
  10. Chrysler PT Cruiser
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Minimum Car Insurance Requirements in Mesa, AZ

Mesa, Arizona has a minimum liability coverage requirement known as the 15/30/10 rule. This rule means drivers are required to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurer will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum amount your insurer will pay for property damage caused by a car accident.

The State of Arizona also allows residents the option of obtaining a certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer.

Mesa, AZ Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Mesa is ranked 15th out of the 200 cities in the report. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 10.9 years.

Mesa drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Weather and road conditions can have a major effect on insurance rates.

Weather

The weather in Mesa is, in a word: hot. The summers here are long. Mesa experiences 301 sunny days per year and temperatures exceed 100 degrees during most of the summer. The winters are short and seldom very cold. On average, Mesa sees only 29 days with any measurable precipitation, usually measuring less than ten inches of rainfall annually.

Road Conditions

According to a recent study by TRIP, 16% of the major roads in Arizona are in poor condition, costing residents $1.5 billion a year in vehicle operating costs and repairs, which averages out to $318 per motorist.

Traffic Congestion

Though the Phoenix-Mesa metropolitan area is an extremely populous area, the amount of motorists on the road hasn’t dramatically affected traffic congestion. INRIX, a traffic data company, ranks Mesa 17th for worst traffic congestion in the US. Mesa commuters are delayed 51 hours per year. This wastes 25 gallons of gas and loses $1,201 in congestion-related costs.

According to TomTom's annual traffic index report, Phoenix ranks 46th for worst traffic congestion in the United States, with motorists spending an extra 20 minutes per day in traffic and 77 hours per year.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record and can flag you as a high-risk driver. This will lead to higher rates.

Traffic Tickets

The City of Mesa Municipal Court website allows you to pay traffic citations, provides information on defensive driving classes, and how to request a hearing.

Car Accident Statistics

Mesa Police reported 7,519 traffic accidents in 2016, resulting in 2,430 injuries. This was an increase from the 6,910 crashes reported in 2015.

Traffic Fatalities

Mesa reported 41 fatal collisions in 2016, resulting in 43 fatalities. This was a big increase over the 26 fatalities reported in 2015. While all traffic deaths are tragedies, with Tempe's estimated population of 484,587, Mesa is a safe US city in terms of traffic fatalities.

Drunk Driving Accidents and Fatalities

In 2016, Mesa reported 286 car crashes in which alcohol was a factor. These DUI crashes caused 197 injuries and eleven fatalities.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Mesa DUI insurance.

Vehicle Theft Rates

Mesa reported 825 motor vehicle thefts in 2016. That’s a rate of 1.75 per 1,000 residents, slightly lower than the national average of 2.20 per 1,000 residents.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are a great way to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in Mesa, AZ depending on your carrier. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a quote.

  1. Drive less. Live close to work and get the low mileage discount
  2. Keep your driving record clean. Too many tickets and especially at-fault accidents will increase your rates significantly
  3. Remove full comprehensive coverage from your policy
  4. Maintain at least a B grade point average in school to qualify for the good student discount
  5. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  6. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  7. If you are 55 or older you may qualify for the senior discount or the 55 and retired discount
  8. Bundle your auto policy. Bundling your auto and homeowners policy together can save you as much as 15%
  9. Take a defensive driving course from an accredited driving school
  10. Shop around and compare affordable Mesa car insurance quotes to discover all the discounts you qualify for

Sources:

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