The average cost of car insurance in Mesa is $1,657 per year for full coverage insurance and $661 per year for minimum coverage insurance. Car insurance is required for drivers to have coverage in case of an accident. It is important that you find the best policy for your financial needs.
Mesa car insurance rates are personal and each insurance company has a different rate. Bankrate’s insurance editors review each company to determine if they offer the lowest cost car insurance in Mesa. They also analyze their average premiums, coverage options and discounts. We also evaluate financial stability ratings and customer satisfaction scores. This knowledge can help you make an informed decision about the right car insurance company to fit your needs.
Mesa’s best car insurance companies
Mesa drivers have many options when it comes to car insurance. Each car insurance company has its own pros and cons. Based on our research, the table below lists some of the top Mesa car insurance companies. These are not just based on the price, but also on the type of coverage, discounts and resources each company offers. These companies share high customer satisfaction scores in J.D., excellent financial strength and reliable customer service. Power’s 2021 U.S. Auto Insurance Study.
American Family
According to the J.D., American Family is ranked as the Southwest’s best car insurance company in terms of customer satisfaction. Study by Power American Family is well-known for its affordable rates, flexible coverage, and excellent customer service. Drivers in Mesa who want to take advantage of car insurance discounts might want to get a quote from American Family. American Family offers discounts for loyal customers, young drivers, volunteers, and smart students. They also offer safety equipment and autopay.
Allstate
Allstate doesn’t offer the lowest average premiums but may make up for it with optional coverages. You can personalize your policy by adding ons such as sound system insurance, rental car reimbursement and accident forgiveness. In addition, Allstate offers a variety of discounts that can help lower your premium, such as paying in full, insuring a new car and enrolling in the Drivewise safe driver program. Allstate also offers a usage-based insurance policy, called Milewise, which is ideal for infrequent drivers.
Geico
Geico is known for its affordable rates. Geico is our lowest-priced provider, with an average annual premium $939 for full coverage insurance. Geico’s coverage however is limited. On the other hand, Geico customers can take advantage of generous discounts, like savings for military personnel, emergency deployment, federal employees, smart students and more.
The Hartford
Because it is only open to AARP members, The Hartford is a very unique insurance company. The Hartford is a great option for car insurance if you’re over 50 and a member of AARP. They offer exceptional customer service, affordable rates, and unique coverages. Mesa drivers can modify their policy to include new car replacement coverage, accident forgiveness, and RecoverCare which provides assistance for household members after an accident. The Hartford offers a 12-month rate lock guarantee and a disappearing-deductible option.
Mesa has the lowest car insurance
The average cost of car insurance in Mesa is more expensive than the United States national average rate. An average American driver will pay $1,674 per year for full coverage insurance, and $565 annually for minimum coverage insurance.
Some car insurance companies are more expensive than others. Below is a table that shows the cheapest Mesa car insurance rates based on market share.
Not every cheap car insurance company in Arizona is created equal, so comparing providers is essential. USAA, for example, only serves military personnel and their immediate family. You will not be eligible if you are not military-affiliated.
Geico is a good choice if you want the minimum coverage for the best rate. Mercury, Nationwide, or Travelers may be better options if you are looking to personalize your policy with endorsements.
These providers are pretty comparable in terms of discounts. If you’re looking for savings specific to your needs, however, you should compare providers. Geico, for example, is the only provider that offers federal employees savings, while Travelers is the only one that offers a discount to hybrid vehicle owners.
Mesa insurance requirements
Every driver who drives a vehicle registered in Arizona is required to have car insurance. Drivers must carry at least 25/50/15 personal liability insurance, which includes the following coverages:
- $25,000 bodily injury liability per individual
- $50k bodily injury liability per accident
- $15,000 per accident property damage liability
Minimum coverage insurance may result in drivers paying some of the lowest rates. Insurance professionals recommend that you purchase higher levels of liability coverage to ensure greater financial protection. Any injuries or property damage beyond your insurance limits will need to be paid out-of-pocket. This can cause financial distress and significant financial hardship. Full coverage may be required if your vehicle is financed or leased.
Mesa car insurance discount
Look for discount insurance providers if you’re looking for Mesa car insurance. These are the top-rated insurance providers that will help you save money.
- Good student discount:Students who have a high GPA in high school or college can often get a discount on car insurance policies.
- Policy bundling discount:You will often get a lower rate if you combine a home and car insurance policy with one company.
- Claims-free discount:Drivers with no insurance claims in the past few years could save money on their premium.
- Automatic payments discount:Many insurance companies offer discounts to drivers who enroll in automatic payment for their premium.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance company is different for every driver. Geico may be the best option for drivers who want the lowest rate. Allstate, however, might be better for drivers who need customizable coverage. Compare providers and obtain multiple price quotes if you’re looking for car insurance.
What amount of Mesa car insurance do you need?
Mesa drivers must have at least 25/50/15 personal insurance. It is possible to upgrade to full coverage insurance or buy higher liability limits. The state minimum coverage provides very limited protection in the case of an at-fault collision. You will also need comprehensive coverage if you want vehicle coverage.
How can I get Mesa car insurance?
You will need to obtain quotes before you can get car insurance. Online quotes are available from most companies, although you can also contact a company or visit an agency. For each vehicle that you wish to insure, you will need the following information: the name, date, and driver’s licence numbers for all drivers in your household. A company representative will help you determine the next steps once you have received a quote. To start a policy, you may be required to fill out an application and pay a fee.
What are my options for car insurance?
Your individual needs will determine the endorsements you add to your auto insurance policy. Roadside assistance coverage may be beneficial if you drive frequently or over long distances. You might consider adding car rental coverage to your vehicle. This will cover the cost of renting a car up to your policy limit while your car is being repaired. You might also consider adding an endorsement to your policy, such as gap coverage, accident forgiveness and new car replacement.
