Car Insurance in Mesa
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Car Insurance in Mesa, AZ
Mesa, a suburb with a population over 500,000, offers a slice of Phoenix life. Explore Arizona's dino digs or catch a show, but remember — reliable car insurance is your sidekick for navigating Mesa's streets. To legally drive in Arizona, you need to have liability insurance that meets the state minimums. That's $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. Minimum liability insurance costs around $583 per year in Mesa. Full coverage runs about $1,172 a year, which is lower than the state average of $1,397 but comparable to the national average.
Age also plays a big part in premiums. Younger drivers aged 22 to 29 pay higher premiums, averaging $5,719 annually, likely due to their higher risk for driving incidents. Drivers aged 30 to 59 pay about $2,790 annually, while seniors aged 60+ see a slight decrease to $2,299 annually. Credit scores can also weigh heavily on premiums. Excellent credit holders pay around $2,143 annually, whereas those with poor credit may pay up to $4,505 annually.
How much is car insurance in Mesa, AZ?
The overall expense of car insurance in Mesa can vary greatly based on the coverage options you choose. To provide you with an overview, here are the average costs for the three most popular coverage types in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Mesa?
Determining and categorizing the insurance expenses for each car make, model, and year in the city presents a substantial challenge. Nevertheless, if you're interested in identifying newer models that generally offer lower insurance premiums, here are the top 10 most cost-effective car makes and models to consider in Mesa:
Rank | Make and Model | Average Monthly Premium |
---|---|---|
1 | Honda Cr-V | $162 |
2 | Subaru Forester | $162 |
3 | Dodge Grand Caravan | $168 |
4 | Toyota Corolla | $172 |
5 | Toyota Rav4 | $172 |
6 | Kia Sedona | $173 |
7 | Honda Odyssey | $177 |
8 | Ford Escape | $177 |
9 | Kia Sol | $179 |
10 | Ford F-150 | $180 |
Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 |
How do claims and violations impact my total cost?
Your car insurance rates are influenced by your driving record. Events such as a minor accident, a major collision, speeding tickets, a DUI, or a hit-and-run can all raise your insurance expenses. Below is an outline that shows how premiums can change according to typical claims and violations in Mesa, ordered from least to most impactful:
Violation or Claim | Average Monthly Cost | Price Difference |
---|---|---|
None | $172 | 0% |
Not at-fault Accident | $172 | 0% |
Driving with expired registration | $217 | +26% |
Speeding Ticket | $219 | +27% |
At-fault Accident | $259 | +51% |
Driving with a suspended license | $272 | +58% |
DUI | $277 | +61% |
Hit and Run | $278 | +62% |
What car insurance discounts can I get in Mesa?
In Mesa, various discounts can help reduce your insurance expenses. These options include bundling multiple policies, paying the full premium upfront, opting for paperless billing, and earning discounts for loyalty renewals. Below is a list of these opportunities, ranked from the most beneficial to the least in terms of potential savings on your premiums:
Potential Discounts | Average Monthly Cost | Monthly Savings |
---|---|---|
Multi-Policy Home | $153 | +$19 |
Paid in Full | $162 | +$10 |
Multi-Policy Renters | $166 | +$6 |
Low Mileage | $166 | +$6 |
Electronic Funds Transfer | $168 | +$4 |
Paperless | $170 | +$2 |
None | $172 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.