Mesa, AZ Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Mesa, AZ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Car insurance rates in Mesa, Arizona, differ by $461 to $2036
In an analysis of car insurance policies in Mesa, AZ, conducted by Zimlon, it was found that the difference between the cheapest and median priced policies was between $461 and $2036. The greatest difference between the cheapest and median car insurance prices was for the cohort of 18-year-old unmarried males with a clean 3-year record. The cheapest car insurance policy for that cohort was offered by Employers Insurance Guaranty at $977, while the median policy came from American Hallmark Insurance Company of Texas at $3013. For this comparison, Zimlon used data for the year 2017 from the Premium Comparison and Complaint Ratios for Automobile Insurance report of the Arizona Department of Insurance.
Just like choosing wisely on insurance companies can influence car insurance premiums, other influential variables are coverage limits, deductibles, and the car model.The vehicle chosen for analysis is a 2010 Honda Civic Ex 4-door sedan. Zimlon surveyed drivers with a clean driving record and no credit history. The bodily injury per person limit chosen is $15,000 and the property damage limit chosen is $10,000. The medical payment limit is $5,000. The comprehensive and collision deductibles are $250 and $500 respectively.
The biggest difference between the 75th and 25th percentile of insurance premiums is at 63.85%, for families with young drivers and no traffic violations in the last 3 years. This is followed by 25-year-old unmarried women with one minor violation and one not-at-fault accident in the prior 3 years. The difference for this cohort stands at 45.80%.
The coverage type chosen for this analysis was for the state minimum standard with a combined single limit of $40,000 or split limits of $15,000; bodily injury liability of $30,000; and property damage liability of $10,000.
An analysis of car insurance policies for some key cohorts is presented below:
18-Year-Old Unmarried Males With A Clean Driving Record for the Last 3 Years: The cheapest car insurance for this segment comes from Employers Mutual Casualty Company at $977, while the median offering is from American Hallmark Insurance Company of Texas at $3,013 . The net savings for investing on the cheapest policy, for this cohort is $2036.
18-Year-Old Unmarried Females With a Clean Driving Record for the Last 3 Years: The cheapest car insurance company for this cohort is again Employers Mutual Casualty Company, but the premium stands at $100 less than for 18-year-old males with the same criteria. The saving from the median here is $1625.
42-Year-Old Married Couples With a Clean Driving Record for the Last 3 Years: This population group is considered to be the safest amongst all others. It is no wonder then that the cheapest premium for them is lower than all the other groups. This is offered by Geico Casualty Company and the saving from the median is $777.
81-Year-Old Single Females With a Clean Driving Record for the Last 3 Years: The cheapest option for this group once again comes from Employers Mutual Casualty Company at $468. Having said that, the median offered by Cincinnati Insurance Company is also extremely low at $1120.
41-Year-Old Unmarried Females With a Clean Driving Record for the Last 3 Years: The median for this group is offered by Central Mutual Insurance Company, and it stands lowest among all the groups, at $903.
Families With a 17-Year-Old Male Son With a Clean Driving Record for the Last 3 Years: The difference between the most expensive and median premium is the highest for this group at $7034. The cheapest half yearly premium is $983—nearly $1000 less—and is offered by United Services Automobile Association.
The table below lists the prices for each of these cohorts along with the companies offering them.
| Cohort | Cheapest Car Insurance Companies in Mesa, AZ | Second Cheapest Car Insurance Companies in Mesa, AZ | Median Car Insurance Companies in Mesa, AZ | Second Most Expensive Companies in Mesa, AZ | Most Expensive Car Insurance Companies in Mesa, AZ | Difference Between Cheapest and Median Prices | Difference Between Most Expensive and Median Prices |
|---|---|---|---|---|---|---|---|
| 18-Year-Old Unmarried Males with a Clean Driving Record for the Last 3 Years | EMPLOYERS MUTUAL CASUALTY COMPANY ($977) | SECURA SUPREME INSURANCE COMPANY ($1274) | AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS ($3013) | ENCOMPASS PROPERTY AND CASUALTY COMPANY ($6957) | PERMANENT GENERAL ASSURANCE CORPORATION ($7857) | $2036 | $4844 |
| 18-Year-Old Unmarried Females with a Clean Driving Record for the Last 3 Years | EMPLOYERS MUTUAL CASUALTY COMPANY ($877) | SECURA SUPREME INSURANCE COMPANY ($1208) | AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS ($2502) | LM INSURANCE CORPORATION ($5949) | ENCOMPASS PROPERTY AND CASUALTY COMPANY ($5954) | $1625 | $3542 |
| 42-Year-Old Married Couples With a Clean Driving Record for the Last 3 Years | GEICO CASUALTY COMPANY ($643) | AMERICAN FAMILY INSURANCE COMPANY ($655) | AMERICAN ACCESS CASUALTY COMPANY ($1431) | LOYA INSURANCE COMPANY ($3251) | PERMANENT GENERAL ASSURANCE CORPORATION ($4273) | $777 | $2853 |
| 42-Year-Old Married Couples With One At-Fault Accident in the Last 3 Years | STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY ($813) | AMERICAN FAMILY INSURANCE COMPANY ($973) | STATE FARM FIRE AND CASUALTY COMPANY ($1919) | ELECTRIC INSURANCE COMPANY ($4733) | PERMANENT GENERAL ASSURANCE CORPORATION ($6079) | $1103 | $4163 |
| 81-Year-Old Single Females With a Clean Driving Record for the Last 3 Years | EMPLOYERS MUTUAL CASUALTY COMPANY ($468) | BADGER MUTUAL INSURANCE COMPANY ($513) | CINCINNATI INSURANCE COMPANY ($1120) | ELECTRIC INSURANCE COMPANY ($2229) | PERMANENT GENERAL ASSURANCE CORPORATION ($3120) | $636 | $2016 |
| 41-Year-Old Unmarried Females with a Clean Driving Record for the Last 3 Years | STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY ($442) | AMERICAN FAMILY INSURANCE COMPANY ($452) | CENTRAL MUTUAL INSURANCE COMPANY ($903) | LM INSURANCE CORPORATION ($2061) | PERMANENT GENERAL ASSURANCE CORPORATION ($2680) | $461 | $1777 |
| Families With a 17-Year-Old Son | UNITED SERVICES AUTOMOBILE ASSOCIATION ($983) | AMERICAN FAMILY INSURANCE COMPANY ($1055) | COUNTRY MUTUAL INSURANCE COMPANY ($2780) | ELECTRIC INSURANCE COMPANY ($6510) | PERMANENT GENERAL ASSURANCE CORPORATION ($9814) | $1797 | $7034 |
The Top 5 Most Popular Car Insurance Companies in Mesa, AZ
The average cost of auto insurance in Mesa, AZ, is $1,095. This is much lower than the cost of car insurance in neighboring places such as Salt River, Fountain Hills, Apache Junction, and Queen Creek. Car owners can compare multiple auto insurance quotes to save more on insurance. Using market share data gathered for Arizona, Zimlon has found the following companies to be the top 5 insurance companies in Mesa.
GEICO:
GEICO, a subsidiary of Berkshire Hathaway, leads the way with a market share of 15.86% in Arizona. The company has 509,982 direct premiums written, and 491,351 direct premiums earned. A renowned firm for insurance, car owners continues to repose their faith in GEICO. It enjoys an A++ A.M. Best rating, which is the highest rating a company can receive. The J.D. Power 2019 Auto Insurance Study gave GEICO a commendable score of 818/1000 in the Southwest Region.
STATE FARM :
State Farm is a close second, with a market share of 14.85% in Arizona. The company also occupies the largest market share in the country. State Farm has 477,344 direct premiums written, and 478,758 direct premiums earned. State Farm’s favorability has gone up in recent times, thanks to its robust marketing and advertising strategies. With a J.D. Power Circle score of 831/1000, State Farm occupies the upper-half of these rankings. J.D. Power gives it the “among the best” tag in the Southwest Region. To add to this, it also received an A.M. Best rating of A++.
PROGRESSIVE :
Progressive is third on the list, with a market share of 12.64%. Progressive has 406,283 direct premiums written, and 385,313 direct premiums earned. It occupies the lower half of the J.D. Power Ratings, with a score of 807/1000. Progressive is one of the first companies to offer insurance quotes on mobile devices. It also offers Pet Insurance coverage. Progressive has an A+ A.M. Best Rating.
FARMERS :
Farmers enjoys a market share of 7.92% in Arizona. It has 254,781 direct premiums written, and 250,612 direct premiums earned. Farmers has a J.D. Power score of 812/1000, which is about average. In 2005, 2006, and 2007, Farmers Insurance Group won the J.D. Power award for Call Center Customer Service Excellence. It has an A.M. Best Rating of A.
USAA:
United Services Automobile Association (USAA) rounds up the top 5 insurers in Arizona, with a market share of 7.48%. USAA has 240,335 direct premiums written, and 233,132 direct premiums earned. USAA has a top-notch J.D. Power score of 887/1000, which gives it the “among the best” tag. USAA has an A.M. Best Rating of A++.
Factors that can influence the cost of car insurance in Mesa, AZ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Mesa, AZ Auto Insurance Rates
- Mesa, AZ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Mesa, AZ
- Multi Vehicle Insurance Savings in Mesa, AZ
- How Credit Score Affects Car Insurance Rates in Mesa, AZ
- How DUI Affects Auto Insurance Premiums in Mesa, AZ
- Top Auto Insurance Agents Near Mesa, AZ
- How Driving Violations Affect Auto Insurance Rates in Mesa, AZ
- Mesa, AZ Auto Insurance Discounts on Anti Theft Feature
- Mesa, AZ Auto Insurance Company Reviews
Mesa, AZ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Mesa, AZ with that of other cities in and around Mesa.
| Mesa | Salt River | Fountain Hills | Apache Junction | Queen Creek | Gilbert | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,095 | $1,235 | $1,480 | $1,273 | $1,427 | $1,059 |
Mesa, AZ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Mesa, AZ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Mesa | $1,303 | $1,101 |
| Gilbert | $1,483 | $1,253 |
| Chandler | $1,017 | $859 |
| Apache Junction | $2,734 | $2,309 |
| Salt River | $1,597 | $1,349 |
| Queen Creek | $1,698 | $1,435 |
| Tempe | $1,415 | $1,195 |
| Fountain Hills | $1,789 | $1,511 |
Mesa, AZ Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Mesa, AZ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,553 |
| 20 Years | $1,407 |
| 30 Years | $1,084 |
| 40 Years | $1,043 |
| 50 Years | $966 |
| 60 Years | $979 |
| 70 Years | $1,140 |
Mesa, AZ Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Mesa, AZ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,927 | $263 |
| 3 Vehicles | $2,891 | $394 |
| 4 Vehicles | $3,854 | $526 |
Savings on 2 Vehicles bundle:$263
Savings on 3 Vehicles bundle:$394
Savings on 4 Vehicles bundle:$526
Mesa, AZ Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Mesa, AZ.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Mesa | $1,095 | $2,171 |
| Gilbert | $1,059 | $2,099 |
| Chandler | $1,044 | $2,069 |
| Apache Junction | $1,273 | $2,523 |
| Salt River | $1,235 | $2,448 |
| Queen Creek | $1,427 | $2,829 |
| Tempe | $1,094 | $2,169 |
| Fountain Hills | $1,480 | $2,934 |
Mesa, AZ Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $939 |
| Excellent (740-799) | $1,072 |
| Good (670-739) | $1,141 |
| Average (580-669) | $1,489 |
| Poor (300-579) | $1,786 |
Mesa, AZ Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Canyon Lands Insurance | Liberty Mutual Independent | 3654 N Power Rd Ste 146, Mesa, 85215 | (623) 552-7741 |
| Kohlhase Insurance Inc | Liberty Mutual Independent | 6550 E Main St, Mesa, 85205 | (623) 552-7742 |
| All Your Insurance Inc | Travelers | 2160 E BROWN RD STE 2, MESA, 85213 | 602-438-9733 |
| Southwest Risk Management, Llc | None | 2855 E Brown Rd Ste 28, Mesa, 85213 | None |
| Robert Laubmeier | Farmers | 3303 S Lindsay Rd Ste 113, Gilbert, 85297 | (480) 897-7760 |
| Mark Meadows | Farmers | 1237 S Val Vista Dr, Mesa, 85204 | (480) 461-1230 |
| Gary Mealer | Farmers | 916 E Baseline Rd Ste 103, Mesa, 85204 | (480) 382-1570 |
| Frank Margiotta | Farmers | 540 W IRON AVE STE 103, Mesa, 85210 | (480) 964-0074 |
| Lane Stermer | State Farm | 4545 E Shea Blvd Ste 240, Phoenix, 85028-6048 | 602-677-4900 |
| David Thorpe | Allstate | 3107 S Gilbert Rd Ste 109, Gilbert, 85295 | (480) 396-3268 |
| Darrel Debree Insurance Agency Inc | Travelers | 20 N GILBERT RD STE B, GILBERT, 85234 | 480-545-0634 |
| Ric Hoks Insurance Services | Travelers | 2610 S GAUCHO, MESA, 85202 | 480-839-4545 |
Mesa, AZ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$48 | $1,143 |
| Driver's Failure In Showing Documents | +$106 | $1,201 |
| Driving With An Expired Registration | +$113 | $1,208 |
| Driving At A Considerably Slow Pace | +$238 | $1,333 |
| Using A Cellphone While Driving | +$251 | $1,346 |
| Running A Red Light | +$255 | $1,350 |
| Speeding | +$268 | $1,363 |
| Driving A Vehicle Without The Required Permission | +$341 | $1,436 |
| Driving With An Expired/Suspended License | +$738 | $1,833 |
Mesa, AZ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,051 |
| Active Disabling Device | $1,051 |
| Tracking Device | $1,029 |
| Passive Disabling Device | $1,018 |
Latest Auto Insurance Reviews in Mesa, AZ | Back to Top
Geicothe premiums and deductible with Geico are extremely affordable compared to other insurers
UsaaThe customer service is amazing with the car insurance. I was in an accident where I only had the person's name and number. The agent handled everything to make sure the other insurance was alerted.
UsaaUSAA makes it so easy to add and remove vehicles to the policy, or to update coverage. The costumer service representatives are informed, friendly, and helpful.
TravelersWe chose travelers due to the bundling feature that resulted in us saving a significant amount of money by choosing Travelers. Pricing was the main factor in our choice.
ProgressiveThe offer was very similar to what I could have gotten at other places, but I chose to go with Progressive because they had a great reputation.
TravelersOur premium is much more affordable than our last company, while our deductible is about the same. I think the premium is well worth the value of the policy.
NationwideMy insurance company, on the surface, offers mostly what other companies do, except I do wonder if there are cheaper alternatives. I feel that I am missing discounts often. I worry that they would not inform me of money savers.
NationwideMy insurance company, on the surface, offers mostly what other companies do, except I do wonder if there are cheaper alternatives. I feel that I am missing discounts often. I worry that they would not inform me of money savers.
UsaaI love they are no limitations to the policy and that they have amazing customer service. We have always received great service and feel as though they truly care about us as memers.
ProgressiveI'm not sure about the other insurance company's premium but my auto policy premium is $575 per year, Which is I'm completely satisfied.
NationwideI really enjoy the email, app, and phone availability of the customer service, and I have been helped many times in an extremely helpful manner.
GeicoI LIKE GEICO ALOT. THEY DONT OVERCHARGE ME TOO MUCH. THE ONE FEATURE THAT THEY HAVE THAT KEEPS ME RETAINED AS A CUSTOMER IS THE POSTPONE MY PAYMENT OPTION. THIS FEATURE HAS HELPED ME AVOID LAPSES IN MY INSURANCE . WHEN I DO NOT NEED THAT FEATURE ANYMORE, I PLAN ON MOVING TO ALLSTATE. MY CAR IS USED AND OLD SO IT JUST WORKS RIGHT NOW
ProgressiveThe premium is cheaper than other competitors like Geico and State Farm. I was able to ramp up my coverage a bit since the prices were lower, protecting me and the bike.
Auto-Owners InsuranceMy insurance policy really gave me a great rate after a fender bender. Most insurance company wouldn't cover me for everything that mine does now unless I paid 100.00 more for either the same coverage or for some quotes much less than what my insurance company offered me.
GeicoI like the accessiblity on line and by customer service. I have not made damage claims but have used it for glass so far. I also used it for breakdowns and they are very responsive
American Family InsuranceI like their efficiency in handling any policy changes and especially on claims handling and my local agent who always does a follow up on everything just to be sure I am satisfied. Very good service.
GeicoOriginally I had Progressive, but the rates went up really high when I moved to a new town. I started doing research and found that Geico offered the highest coverage and the lowest price. I have a lower deductible now than I ever did with Progressive. None of the other companies were even close to Geico's price.