UPDATED: Mar 13, 2020
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Cheap Car Insurance in Mesa, AZ
Do you need auto insurance in Mesa, Arizona? At AutoInsuranceEZ.com, you will find the best insurance rates close to you. To acquire free car insurance quotes from the major providers today, enter your zip code into the quote box on this page.
Mesa can be found just outside of Phoenix, but it has a personality all its own. Mesa has roots in Mormon founders, Native American history, Mexican influences, and a pioneer spirit. At the same time, though, it is quickly becoming home to a host of both manufacturing and technological industries.
- Fun fact: Did you know that Mesa is #10 on the list of “Top 101 cities with the highest daily high temperatures (population 50,000+)? Learn more about Mesa, AZ.
Auto Insurance Coverage Requirements in Arizona
If you want to drive legally in Arizona, you’ll need to purchase:
|Bodily Injury Liability||15,000/30,000||100,000/300,000|
|Property Damage Liability||10,000||25,000|
|Uninsured Motorist Bodily Injury||Not required||15,000/30,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||0 deductible|
Remember that although purchasing less coverage might seem like a better deal, it could cost you in the long run. Liability insurance, for example, is extremely limited. It only covers you in the event that you cause an accident. So if someone else hits you, or severe whether damages your car, you’ll have to fix your vehicle 100% out-of-pocket.
The state average for Arizona drivers runs at about $67 monthly for insurance premiums. However, savvy drivers in Mesa can get rates as low as $46/mo* if they do a good job shopping for the best deal. For more information on Arizona car insurance, click here.
Nationwide, State Farm, and Farmers are currently offering the lowest rates in the Mesa area. But are low rates the only metric to base your decision on? What about their customer service reviews? Or their claims filing process? Just remember that there are many factors to consider before you make a final decision.
Auto insurance companies evaluate numerous elements when establishing insurance quotes, including gender, age, credit score/rating, education, and theft protection devices. Additionally, premiums differ from provider to provider. To make sure you’re still being charged the cheapest rate, compare cheap Mesa auto insurance quotes online.
Major Car Insurance Factors in Mesa
There are many ways in which your car insurance rate may be estimated. But not all of it is out of your control; there are things you can do so that you can influence which discounts you are eligible to receive. The following are some of these factors in greater detail:
Your Zip Code
The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Mesa is 457,587 and the median household income is $47,561.
Driving around in an area with a high rate of accidents will likely produce higher monthly insurance premiums. You can see the accident statistics for Mesa in the chart below. While there were fewer pedestrians involved in fatal accidents from the previous year, all of the other accident numbers are, unfortunately, on the rise.
Auto Thefts in Mesa
Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Mesa was 952 back in 2013. If your vehicle is at risk, then the only way you can protect it completely is with Comprehensive coverage.
Your Credit Score
For most insurance companies, especially the large national ones, having a low credit score means you can expect to pay 50-70% higher premiums each month. However, local providers (such as The General) often provide coverage for an affordable price, regardless of credit score.
Unfortunately, state institutions and municipal school districts in the US don’t put as high of a priority on Driver Education courses as they should. That, coupled with teenagers’ general propensity for risky and impulsive behavior, leads to thousands of accidents every year. That’s why there’s such a disparity in premium prices in the chart below. For the most part, time and experience behind the wheel will be the most important factors for lowering your premium. But you can also ask your agent if Driver’s Ed or Good Grades discounts are available.
Your Driving Record
Do you have a fairly clean driving record? If so, then you can expect to pay substantially lower monthly rates for your automotive insurance. If you do have a minor violation or two, your rate will go up – but you may be able to reduce your premium with “Accident Forgiveness” and other similar discounts.
Expensive luxury vehicles aren’t just more expensive to insure because they cost more to replace. Odds are that you’re going to want to protect an expensive car with additional insurance coverage. And the more coverage you buy, the more you will have to pay in premiums.
Minor Car Insurance Factors in Mesa
Also, don’t forget about the following factors. They can influence your rate too:
Your Marital Status
Married couples, here’s some great news: you can save money on your Vehicle insurance policies if you bundle them. As individuals, unfortunately, married drivers won’t save as much being married over being single.
Gender has almost no substantial influence on your monthly rate. Many companies don’t charge different premiums based on gender at all. And those for those that still do, the rate rarely fluctuates beyond a 2-3% price difference.
Your Driving Distance to Work
For motorists living in Mesa, the average commute time to work can range from 20-29 minutes. Nearly 75% of workers prefer to drive their own car, but a little over 11% would rather carpool.
Feel free to drive as many miles as you want per year, and for whatever reason – driving more miles, or only commuting for pleasure won’t make a huge dent in your monthly premium. However, business vehicles generally have about 10% higher insurance rates, so be wary of that fact.
Your Coverage and Deductibles
Getting all the coverage you need can be expensive. That’s why some companies will charge you less per month if you agree to raise your deductible. However, be sure to save a little money away in case of an emergency if you choose to go this route.
Education in Mesa, AZ
You might think that a fancy job or a huge yearly salary would net you some discounts – but you’d be wrong. Maximizing your education is what provides the additional benefit of maximizing your savings on car insurance. In Mesa, most drivers have at least a high school diploma, while others have a year or more of college experience.
Mesa is practically a college town considering all of the educational institutions residents have to choose from. The eastern campus of Arizona State University teaches many vocational programs, whereas doctorates and master’s degrees can be pursued at the Arizona school of Health Sciences. Mesa is also home to Mesa Community College and the East Valley Institute of Technology.
Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Compare Rates from Top Rated Companies in Mesa, AZ – See How Much You Can Save