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Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Finding affordable car insurance in Mesa, Arizona, can be challenging. Mesa drivers pay an average monthly premium of $138 for car insurance. Several factors contribute to insurance costs in Mesa, including its higher-than-average accident rates compared to other Arizona cities. In fact, Mesa had more than 7,500 car accidents in 2023 — the most of any city except Phoenix, according to data from the Arizona Department of Transportation.[1]
Fortunately, many companies offer cheap rates well below the citywide average. Auto-Owners, Mile Auto, and State Farm provide the most affordable options, with Auto-Owners offering the lowest average liability rate — just $50 per month.
In this article, we’ll explore the cheapest insurers in Mesa for various driver types, explain how to choose the right company, and share tips to help you save on your car insurance.
Auto-Owners offers the lowest average rate in Mesa, at $50 per month.
Mesa drivers pay an average of $103 monthly for liability coverage and $173 for full coverage.
Arizona requires drivers to have at least 25/50/15 in liability coverage to drive legally.
Regardless of Mesa’s average rates, you can still find affordable coverage if you know where to look. Several insurance companies offer rates significantly below the citywide average.
The table below shows the cheapest insurers in Mesa, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $50 |
| Mile Auto | $55 |
| State Farm | $61 |
| GEICO | $62 |
| USAA | $68 |
| Metromile | $81 |
| Root | $86 |
| Sun Coast | $88 |
| National General | $89 |
| Allstate | $102 |
| Travelers | $105 |
| Mercury | $106 |
| Progressive | $113 |
| Dairyland | $114 |
| Clearcover | $116 |
| Safeco | $116 |
| Direct Auto | $118 |
| American Family | $119 |
| COUNTRY Financial | $119 |
| The Hartford | $122 |
| Farmers | $123 |
| The General | $123 |
| Bristol West | $130 |
| GAINSCO | $137 |
| Nationwide | $138 |
| Commonwealth Casualty | $173 |
| AssuranceAmerica | $176 |
| Liberty Mutual | $186 |
| Foremost | $231 |
Auto-Owners offers the most affordable car insurance in Mesa, with an average monthly rate of $50.
In the following sections, we’ll break down the cheapest options by coverage type, age, and driving history to help you find the best rates.
While the companies above offer great starting points, your personal car insurance rates can vary based on factors like your age, driving record, address, and more. That’s why it’s so important to compare rates from multiple insurers to find the best deal for your situation.
To get you started, the table below shows the cheapest companies for various driver profiles and coverage types, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $50 |
| Full coverage | Auto-Owners | $78 |
| Teens | Auto-Owners | $94 |
| Seniors | Auto-Owners | $38 |
| Drivers with a speeding ticket | Auto-Owners | $65 |
| Drivers with an at-fault accident | Auto-Owners | $67 |
| Drivers with a DUI | Auto-Owners | $80 |
| Drivers with excellent credit | Auto-Owners | $44 |
| Drivers with poor credit | Mile Auto | $63 |
We’ve included detailed breakdowns for each driver type in the sections below.
Policies in Mesa start as low as $50 per month.
Mesa drivers pay an average of $103 per month for minimum coverage insurance, according to our data.
But most experts recommend purchasing more coverage than your state’s required minimums.[2] These basic liability limits might not fully protect you if you cause a serious accident with multiple injuries or significant property damage.
But if you need bare-bones coverage that meets Arizona’s minimum coverage requirements, the chart below highlights the five cheapest companies in Mesa, according to Compare.com data.
Most insurance experts recommend purchasing full-coverage car insurance[3] because it provides crucial protection for your vehicle that liability-only policies don’t.
Full coverage typically includes liability insurance, plus comprehensive and collision coverage. Comprehensive insurance covers damage from non-collision incidents like theft, vandalism, and natural disasters, and collision insurance covers damage to your car from accidents, regardless of fault. Lenders and leasing companies typically require you to purchase full-coverage insurance if you finance or lease your car.
Drivers in Mesa pay a monthly average of $173 for full coverage, according to our data. But several insurers in Mesa usually offer full coverage at close to the average price for liability-only insurance.
The chart below shows the five cheapest insurers in Mesa for full coverage, according to Compare.com data.
Teenagers have some of the most expensive car insurance rates of any age group. Due to their inexperience and riskier behaviors, teen drivers have crash rates nearly four times as high as drivers 20 and older.[4]
The average teen pays nearly double the amount of someone 20 or older for car insurance, according to our data.
Teen drivers in Mesa pay an average of $288 per month for car insurance. But you can still find a good deal if you’re a teen driver or have one on your policy.
The chart below shows the five cheapest insurers in Mesa for teens, according to Compare.com data.
On the other end of the spectrum, seniors tend to have the cheapest auto rates of any age group. That’s because older drivers typically have fewer accidents because they’re more likely to wear seat belts and drive under safer conditions and are less likely to drive under the influence.
Seniors in Mesa pay a monthly average of $103 for auto coverage. But even with these low average rates, you might find a better deal from several companies.
Check out the chart below for the five cheapest insurers in Mesa for seniors, according to Compare.com data.
Getting a ticket can increase your car insurance rates the next time your policy renews.[5] Traffic violations tell insurers that you’re more likely to get in an accident, so they consider you riskier to insure. Our research shows that even a single speeding ticket increases average rates by 28% nationwide.
Mesa drivers with a recent ticket pay an average of $185 per month for car insurance, according to our data. But several insurers offer lower rates, including the ones in the chart below.
At-fault accidents are one of the most significant factors that can increase your premium. Causing an accident can substantially increase your rates since it indicates to insurers that you’re more likely to file future claims.
Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.
Drivers with a recent accident in Mesa pay an average of $190 per month for auto insurance, but you can often find a better deal with one of the insurers below.
A DUI conviction causes the sharpest increase in car insurance rates. Our research shows rates increase by an average of 59% nationwide after a DUI conviction.
In addition to higher rates, getting a DUI can make it difficult to find coverage at all.[6] Standard insurers consider drivers with DUIs to be high-risk and may decline to cover you. But some insurers specialize in high-risk drivers, like people who have DUIs.
Mesa drivers with a DUI conviction pay an average of $218 per month for car insurance, but you don’t necessarily have to pay these sky-high rates.
The chart below shows the five cheapest insurers in Mesa for people with DUIs, according to Compare.com data.
Some insurance companies look at your credit history when calculating your car insurance rates. Insurance companies use a credit-based insurance score to determine your likelihood of defaulting on your bill or filing claims.[7]
Studies show that people with poor credit tend to file more claims, so they often pay higher premiums. For example, our research shows drivers with poor credit pay 40% more than people with excellent credit scores.
Mesa drivers with poor credit pay a monthly average of $152 for auto insurance. But not all companies use your credit history, and some offer extremely affordable rates, regardless of your credit.
The chart below shows the five cheapest insurers in Mesa for drivers with bad credit, according to Compare.com data.
Compare personalized quotes from Mesa’s top insurers.
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Like nearly every state, Arizona requires all drivers to have car insurance. The state-minimum insurance needed to drive legally includes:[8]
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $15,000 per accident
Most experts recommend buying more coverage than your state’s minimum limits. If you cause a serious accident, the minimum coverage might not be enough to pay for the damages, leaving you personally responsible for the difference.
Plus, lenders usually require you to buy comprehensive and collision coverage if you finance or lease your car.
Consider this scenario: If you cause an accident that totals someone’s $45,000 SUV and injures multiple people, Arizona’s minimum property damage limit of $15,000 would leave you personally responsible for the remaining $30,000 in vehicle damages — not to mention potential medical costs that exceed your bodily injury limits.
Below, we answered some commonly asked questions about car insurance in Mesa.
Mesa drivers pay an average of $138 per month for car insurance, according to Compare.com data. Liability coverage averages $103 per month, while full coverage costs an average of $173.
It depends. Mesa drivers pay an average of $138 monthly for car insurance, compared to the national average of $150. But your car insurance costs depend on several factors, including your address, driving history, age, and more.[9]
Auto-Owners offers the cheapest average car insurance rate in Mesa, at $50 per month, according to our data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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