Cheapest car insurance companies in Mesa
After an in-depth analysis, Insurance.com found that Geico and Travelers are the cheapest car insurance companies in Mesa for 2023.
In Mesa, Geico provides the cheapest auto insurance rates to drivers at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,349 annually.
In Mesa, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates.
| Companies | Average annual rates |
|---|---|
| Geico | $1,349 |
| Travelers | $1,577 |
| USAA | $1,662 |
| Auto-Owners | $1,667 |
| Nationwide | $1,930 |
| Progressive | $2,020 |
| Allstate | $2,410 |
| State Farm | $2,492 |
| Farmers | $2,679 |
Cheapest car insurance cost in Mesa by Age Group
In Mesa, Geico is the cheapest car insurance company for teenagers, offering full coverage policies at $3,503 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
Among the carriers analyzed, Geico is the cheapest car insurance option for young drivers in Mesa, at $1,863 a year for a full coverage policy.
An analysis of car insurance rates for Mesa drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. Geico offers the cheapest full-coverage car insurance rates at $1,347 per year.
If you are a senior driver in Mesa and looking for a cheap car insurance company, then consider buying insurance from Geico. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,346 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Geico | $3,503 | $1,863 | $1,347 | $1,346 |
| Auto-Owners | $4,832 | $2,892 | $1,719 | $1,805 |
| Travelers | $5,228 | $2,475 | $1,614 | $1,661 |
| Nationwide | $7,422 | $3,436 | $1,921 | $1,824 |
| State Farm | $7,452 | $4,211 | $2,511 | $2,447 |
| USAA | $7,454 | $2,902 | $1,669 | $1,702 |
| Allstate | $7,936 | $3,372 | $2,386 | $2,677 |
| Progressive | $9,880 | $3,354 | $2,000 | $2,052 |
| Farmers | $11,996 | $4,896 | $2,552 | $2,831 |
| CSAA Insurance (AAA) | $14,984 | N/A | N/A | N/A |
Cheapest car insurance companies in Mesa by driver profile
Car insurance rates in Mesa vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.
To find the cheapest car insurance company in Mesa, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Here are some of the cheapest car insurance companies in Mesa based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Mesa drivers is $1,785.
Drivers with poor or bad credit scores in Mesa can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Geico | $1,785 |
| Nationwide | $1,835 |
| Travelers | $2,208 |
| USAA | $2,919 |
| Progressive | $3,445 |
| Allstate | $3,606 |
| Farmers | $4,226 |
| State Farm | $6,726 |
Cheapest for drivers with a speeding ticket: State Farm
In Mesa, State Farm provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,790, on average.
Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.
| Company | Average annual premium |
|---|---|
| State Farm | $1,790 |
| Nationwide | $1,873 |
| USAA | $1,916 |
| Geico | $2,032 |
| Travelers | $2,111 |
| Progressive | $2,655 |
| Allstate | $3,389 |
| Farmers | $3,437 |
Cheapest auto insurance after an at-fault accident: State Farm
According to Insurance.com's analysis, State Farm tops the list of cheap car insurance providers in Mesa for drivers involved in at-fault accidents, with an average annual cost of $1,935. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget.
| Company | Average annual rates |
|---|---|
| State Farm | $1,935 |
| Nationwide | $2,026 |
| Geico | $2,072 |
| Travelers | $2,148 |
| USAA | $2,438 |
| Allstate | $3,283 |
| Progressive | $3,377 |
| Farmers | $4,163 |
Cheapest auto insurance after a DUI: State Farm
Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Mesa for drivers with a DUI, with an average annual premium of $1,790.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| State Farm | $1,790 |
| Travelers | $2,642 |
| Geico | $2,695 |
| Progressive | $2,915 |
| Nationwide | $3,033 |
| USAA | $3,711 |
| Allstate | $4,366 |
| Farmers | $5,353 |
Average car insurance cost in Mesa
Full coverage car insurance in Mesa for a coverage limit of 100/300/100 is $1,976 per year or $165 per month, while the state minimum coverage costs an average of $600 a year.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,976 | $600 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
Compare auto insurance rates by city in Arizona
Helpful auto insurance tools and calculators
