Cheap Car Insurance in Mesa, Arizona (2022)

Progressive offers the cheapest car insurance in Mesa at $142 a month for full coverage.

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Progressive is the first place drivers in Mesa, Arizona, should look for cheap auto insurance. Progressive has the cheapest rates in most of the driver and coverage categories we considered. For minimum-coverage insurance, Progressive offers rates of $122 per month and $1,466 per year. For full coverage, the insurance company offers policies of $142 per month and $1,700 per year.

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Cheapest car insurance in Mesa, Arizona

For Mesa drivers who need liability-only car insurance coverage, Progressive offers the most affordable rates. Minimum-coverage car insurance is available for $122 per month and $1,466 per year. Compared to the city average, that’s a savings of $94 per month and $1,126 per year.

State Farm offers the next-lowest minimum-coverage premiums available for Mesa drivers. State Farm rates are $171 per month and $2,057 per year. While the savings are not quite as substantial, the rates are still much lower than the city average.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE IN MESA
Company Annual rate Monthly rate
Progressive $1,466 $122
State Farm $2,057 $171
CSAA $2,118 $176
GEICO $2,138 $178
City average $2,592 $216
American Family $3,076 $256
Allstate $3,336 $278
Farmers $3,951 $329
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A minimum-coverage car insurance policy will meet Arizona’s minimum car insurance requirements for personal injury protection, uninsured motorist and liability coverage.

Progressive offers Mesa drivers the cheapest full-coverage insurance with rates of $142 per month and $1,700 per year. State Farm offers drivers in Mesa rates of $199 per month and $2,390 per year. Both companies are cheaper than the city average of $246 per month and $2,958 per year, but Progressive offers the biggest savings of $104 per month and $1,258 per year.

Arizona traffic fatalities rose to 1,180 in 2021 — a 12% increase compared with the previous year, according to the most recent data from Arizona law enforcement agencies. While you cannot protect your passengers from everything, full-coverage insurance could help protect your passengers and you from unforeseen financial burdens following an accident and save you money in the long run.

CHEAPEST FULL-COVERAGE CAR INSURANCE IN MESA
Company Annual rate Monthly rate
Progressive $1,700 $142
State Farm $2,390 $199
CSAA $2,500 $208
GEICO $2,543 $212
City average $2,958 $246
American Family $3,252 $271
Allstate $3,707 $309
Farmers $4,612 $384
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance satisfies Arizona’s state minimum-coverage requirements. It also provides policy holders with both collision and comprehensive insurance protection.

Full-coverage car insurance also should meet the requirements of most auto lenders and lessors. Many lenders and lessors require full-coverage insurance for the duration of your loan. If you do not have a loan for your vehicle, it is still a great idea to carry full coverage for your own financial protection. In the unfortunate event of an accident, you could be personally responsible for extensive repairs, replacement costs and medical bills without a full-coverage auto insurance policy in place.

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Cheapest car insurance in Mesa for drivers with an accident history

For drivers with one accident on their driving record, State Farm offers the cheapest car insurance with full-coverage rates of $239 per month and $2,866 per year. This rate equals a savings of $136 per month and $1,636 per year when you compare it to the city average.

Coming in at a close second place, Progressive offers full-coverage rates of $243 per month and $2,918 per year. Compared to the city average, drivers with an accident can save $132 per month and $1,584 per year by using Progressive to insure their vehicle.

CHEAPEST CAR INSURANCE WITH AN ACCIDENT
Company Annual rate Monthly rate
State Farm $2,866 $239
Progressive $2,918 $243
CSAA $3,923 $327
GEICO $4,115 $343
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance in Mesa for drivers with a DUI

Progressive once again offers the cheapest full-coverage premiums of $168 per month and $2,022 per year for Mesa drivers with a DUI on their driving record. Compared to the city average of $355 per month and $4,260 per year, Progressive offers these drivers a huge savings of $187 per month and $2,238 per year.

State Farm offers the next-cheapest full-coverage rates to Mesa drivers with a single DUI. Premium costs are $219 per month and $2,628 per month. Compared to the city average, drivers with one DUI can save $136 per month and $1,632 per year by using State Farm.

CHEAPEST CAR INSURANCE WITH A DUI
Company Annual rate Monthly rate
Progressive $2,022 $168
State Farm $2,628 $219
CSAA $4,209 $351
American Family $4,354 $363
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance in Mesa for drivers with a speeding ticket

Mesa drivers with one speeding ticket on their driving record can find the cheapest full-coverage premiums with Progressive and State Farm. Progressive offers rates of $200 per month and $2,398 per year. Compared to the city average, drivers can enjoy a savings of $126 per month and $1,512 per year by choosing Progressive as their insurance provider.

State Farm offers full-coverage car insurance to drivers with one speeding ticket for rates of $219 per month and $2,628 per year. This is still a noteworthy savings of $107 per month and $1,582 per year when you compare it to the city average of $326 per month and $3,910 per year.

It’s no secret that speeding tickets (along with accidents or DUIs) can cause car insurance premiums to increase. According to our research, you might see your insurance rates go up as much as 26% to 75% if you have these violations on your driving record.

CHEAPEST CAR INSURANCE WITH A SPEEDING TICKET
Company Annual rate Monthly rate
Progressive $2,398 $200
State Farm $2,628 $219
GEICO $3,112 $259
CSAA $3,123 $260
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teen drivers in Mesa

Teen drivers who are 18 years old and have a clean driving record can find the cheapest minimum-coverage car insurance with CSAA and GEICO. CSAA offers minimum-coverage car insurance at rates of $365 per month and $4,379 per year. With the city average of $560 per month and $6,716 per year, that’s a sizable savings of $195 per month and $2,337 per year.

GEICO offers the next-cheapest minimum-coverage car insurance for teen drivers in Mesa. Premiums with GEICO are $407 per month and $4,880 per year — a savings of $153 per month and $1,836 per year.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR TEENS
Company Annual rate Monthly rate
CSAA $4,379 $365
GEICO $4,880 $407
State Farm $6,573 $548
Allstate $7,087 $591
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In Mesa, teen drivers with a clean driving record can find cheap full-coverage insurance with CSAA at rates of $444 per month and $5,325 per year. Compared to the city average of $654 per month and $7,849 per year, CSAA offers an impressive savings of $210 per month and $2,524 per year.

GEICO offers full-coverage rates to teen drivers at a rate of $512 per month and $6,139 per year. This is a savings of $142 per month and $1,710 per year when compared to the city averages.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR TEENS
Company Annual rate Monthly rate
CSAA $5,325 $444
GEICO $6,139 $512
State Farm $7,727 $644
Allstate $7,853 $654
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for senior drivers in Mesa

Senior drivers in Mesa who are 60 years old and have a clean driving record can find cheap minimum-coverage auto insurance with Progressive. The cost for coverage is just $109 per month and $1,312 per year. By comparison, the Mesa city average for senior drivers is $185 per month and $2,221 per year for liability-only coverage. This is a savings of $76 per month and $909 per year.

American Family offers affordable auto insurance for senior drivers as well, with rates of $159 per month and $1,914 per year. Compared to the Mesa city average, senior drivers save $26 per month and $307 per year.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR SENIORS
Company Annual rate Monthly rate
Progressive $1,312 $109
American Family $1,914 $159
State Farm $1,917 $160
CSAA $1,938 $162
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Mesa senior drivers — 60 years old and with a clean driving record — can also find affordable full-coverage insurance with Progressive. The company’s rates of $127 per month and $1,527 per year are much lower than the city average of $213 per month and $2,558 per year. By comparison, senior drivers can save $86 per month and $1,031 per year (compared to the city average) by taking out a full-coverage auto insurance policy with Progressive.

American Family is the next-cheapest option for Mesa senior drivers who want full coverage. The insurance company offers senior drivers full-coverage car insurance at premiums of $169 per month and $2,031 per year — a savings of $44 per month and $527 per year compared to the city average.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR SENIORS
Company Annual rate Monthly rate
Progressive $1,527 $127
American Family $2,031 $169
State Farm $2,236 $186
CSAA $2,304 $192
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Mesa car insurance requirements

Arizona drivers must carry a minimum amount of car insurance to operate a motor vehicle in the state. The minimum car insurance coverage drivers must have is 25/50/20.

Here’s a look at what the minimum insurance requirements above mean for the average Mesa driver.

  • Bodily injury liability per person: $25,000
  • Bodily injury liability per accident: $50,000
  • Property damage liability per accident: $20,000

Recommended coverage

Collision or comprehensive coverage is a great addition to liability insurance and can reduce the financial risk you take on if you’re in an accident. In the event of a collision, drivers can be left with unexpected medical bills, repair costs and/or replacement costs. The best way to financially protect your investment is with additional coverage.

QuoteWizard recommends 100/30/100 car insurance:

  • Bodily injury per person: $100,000
  • Bodily injury per accident: $300,000
  • Property damage liability per accident: $100,000

If you only carry enough insurance to satisfy Arizona’s minimum-coverage requirements, you could potentially open yourself up to financial issues in the unlucky event of an accident. Additional coverage can provide better financial protection for yourself and your family.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Mesa ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Arizona’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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