Table of contents
How much is car insurance in Mesa?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Mesa are on par with what you would pay anywhere else in Arizona.
However, car insurance rates in Mesa are more affordable than the national average. On average, it's about $17 less to insure your vehicle in Mesa than it is in the rest of the United States.
While these are the average costs to insure your vehicle in Mesa, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Mesa and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay one and a half times as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates begin to climb back up.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Mesa, the difference is around $7 per month. As you can see in the table above, male drivers in the area typically pay $65 on average, while female drivers typically pay $58 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Mesa with a single accident will pay around $81 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $78.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$59|
In Mesa, the cheapest vehicles to insure are for the most part SUVs.
The policies for car owners average around $63, while SUV owners typically see rates of around $59 to insure each month.
For truck and van drivers, however, their monthly bill totals to about $60.
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)||$65|
Generally speaking, married policyholders will pay less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
Married drivers in Mesa typically pay about $9 a month less when it comes to their auto insurance.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Mesa. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Mesa, AZ
Recent trends in car insurance for Mesa drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending choosing when and where to shop.
The rates for auto insurance in Mesa went up from 2016-2017, before steadying out in 2018. They finished down in 2021, at $57 a month
How does Mesa compare to neighboring areas?
Why are car insurance rates in Mesa different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Rate of crime
- Area laws
- Off-street parking accessibility
- Total number of drivers in the community
- Road Safety (total number of local 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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Mesa?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Mesa.
Mesa Insurance FAQs
What factors affect car insurance quotes in Mesa?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Mesa different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
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?