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Car Insurance Quotes in Mesa, AZ

Full coverage / year
$2,757
State minimum / year
$900
Typical quote range
$1,957 – $3,804

The estimated cost of full coverage car insurance in Mesa is $2,757 a year, against $900 for a state-minimum policy. Rates here run roughly 16% higher than the rest of Arizona, driven by city-level congestion, a higher share of uninsured drivers, and costlier repairs. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.

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Car insurance calculator — Mesa, AZ

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$230/ month
$2,757 per year · carriers in Mesa, AZ typically quote $1,957 – $3,804
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Mesa, AZ

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$2,095$175-24%Military members and families only
Geico$2,261$188-18%Usually cheapest for clean records
State Farm$2,426$202-12%Strong for young and student drivers
Progressive$2,619$218-5%Competitive after a ticket or accident
Travelers$2,674$223-3%Good multi-policy discounts
Nationwide$2,757$2300%Mid-market, wide availability
Allstate$3,143$262+14%Higher base rate, heavy discount stacking
Farmers$3,336$278+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Mesa, AZ. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Mesa

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$7,446$2,431$621
18 years old$6,281$2,051$523
20 years old$5,201$1,698$433
22 years old$4,320$1,411$360
25 years old$3,297$1,076$275
30 years old$2,842$928$237
40 years old$2,671$872$223
50 years old$2,558$835$213
60 years old$2,529$826$211
65 years old$2,643$863$220
70 years old$2,899$947$242
75 years old$3,382$1,104$282

Estimated premiums by age in Mesa, AZ, clean record, sedan.

What a ticket, accident or DUI costs in Mesa

Driving recordEst. annualIncrease
Clean record$2,757—
1 speeding ticket$3,391+23%
1 at-fault accident$4,052+47%
DUI / DWI$5,210+89%

What a violation costs a 35-year-old in Mesa, AZ. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Arizona

Every driver registering a vehicle in Arizona must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Arizona Department of Insurance.

Required coverage in ArizonaMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$15,000
Insurance systemAt-fault (tort)

Coverage levels compared in Mesa

Coverage levelEst. annualEst. monthly
State minimum liability$900$75
Full coverage (100/300/100 + comp & collision)$2,757$230
Full coverage, high limits + low deductible$3,281$273

Coverage level comparison for Mesa, AZ.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Mesa

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Mesa covers 85201, 85202, 85203, 85204, 85205, 85206 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Mesa, AZ?
Full coverage in Mesa is estimated at $2,757 a year ($230 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $900 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Arizona?
Arizona requires at least $25,000 bodily injury per person, $50,000 per accident and $15,000 property damage. Arizona is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Mesa?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Mesa for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Mesa?
An 18-year-old in Mesa is estimated at $6,281 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Mesa?
A DUI takes the estimate from $2,757 to about $5,210 a year in Mesa, an increase of roughly 89%. Arizona drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Mesa?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

TempeGilbertTempe JunctionScottsdaleChandlerPhoenixFountain HillsApache Junction

Comparing more of Arizona? See every Arizona city we price or read the cheap car insurance guide for Mesa.