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How much is car insurance in Mesa?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Mesa is in line with pricing for the rest of Arizona.
Compared to the national average cost of auto insurance coverage, Mesa has lower rates. The average monthly payment for the United States as a whole is about $18 more expensive than in Mesa.
Bear in mind that while these rates are the average costs for drivers in Mesa, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down average rates for Mesa residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may start to rise again in Mesa.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in Mesa is about $6 per month. As you can see in the table above, male drivers in the area typically pay $66 on average, while female drivers typically pay $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Mesa, having a single accident on your record will usually get you rates around $81 a month. In addition, drivers with one ticket can expect to pay around $71 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$60|
According to the first table above, the cheapest vehicles to insure in Mesa are typically trucks and vans, at $59 per month.
SUV drivers will see rates of about $61 for car insurance, while car owners by and large pay around $65 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Mesa, the most expensive vehicles to insure are vehicles four-to-five years old.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is more than a few years old. The most expensive vehicles to insure in Mesa, however, are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
More often than not, people who are married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Mesa follows that pattern, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $11 a month more than those who own their own home in Mesa. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Mesa, AZ
Recent trends in car insurance for Mesa drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for car insurance in Mesa have been mixed as of late. They did, however, turn downward from $67 in 2021 to $64 in 2022.
How does Mesa compare to neighboring areas?
Why are car insurance rates in Mesa different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Amount of drivers
- Prevalence of crime
- Access to off-street parking
- Area laws
- Road Safety (frequency of car accidents)
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Mesa?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Mesa.
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Mesa Insurance FAQs
What factors affect car insurance quotes in Mesa?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Mesa different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Mesa?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Mesa?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Mesa or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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