Mesa is a suburb located about 20 miles east of Phoenix. Like all of Metro Phoenix, Mesa is experiencing tremendous growth.
Mesa covers nearly 134 square miles and has an excessively long east-to-west travel distance of over 18 miles. Drivers in Mesa must possess a great deal of patience — and quality car insurance.
With a Mesa car insurance policy, you can be sure your finances are protected if you get into a car accident. Car insurance offers the peace of mind you need to travel the Mesa roadways with confidence.
A Trusted Choice® Independent Insurance Agent can help you get the right coverage at the right price to protect what matters most. Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.
How much does Mesa car insurance cost?
Car coverage should be completely personalized. And no matter where you live, you shouldn’t overpay.
The average Mesa car insurance policy costs around $152 per month. If you think that’s too much, consider shopping around.
When you get a quote, your rates should take into account the following:
- The age, make and model of your car
- Your average annual mileage
With the help of a Trusted Choice agent, you can review quotes from multiple insurance companies and choose the one that offers the best coverage at the best price.
What does Mesa car insurance actually do for me?
Car insurance is essential. It offers financial protection if you cause a car accident.
Mesa car insurance can also help you repair or replace your own car if it is stolen or if it is damaged in some other way.
If you’re involved in a crash, here are some of the ways your Mesa car insurance policy can help you get back on your feet.
- Fix Your Car - We officially call this "Comprehensive & Collision Coverage." Nothing required.
- Fix Someone Else's Car - We officially call this "Property Damage Liability." Required min. $10,000.
- Pay Your Medical Bills - We officially call this "Personal Injury Protection" or "PIP." Nothing Required.
- Pay Someone Else's Medical Bills - We officially call this "Bodily Injury Liability." Required min. $15,000 per person, $30,000 per accident.
Who pays if the accident wasn't my fault?
The driver who caused the accident, of course. People who drive without insurance don’t have a backup plan for accidents.
12% of Arizona drivers are uninsured.
An uninsured driver who causes a crash has to pay for their own repairs and medical bills.
That's why it’s a good idea for Mesa drivers to buy “uninsured motorist coverage.” It helps you pay for your own medical bills and car repairs if you are in an accident with an uninsured driver.
Uninsured motorist coverage is required in some states, but not in Arizona.
What Affects the Cost of Mesa Auto Insurance?
Monthly auto insurance premiums can vary a lot from city to city, and person to person.
Insurance companies base their rates on how risky you are as a driver. These are some of the most important risk factors.
- your age
- your gender
- your ZIP code
- your history of accidents and claims
- the make and model of your car
- the number of cars and drivers in your household
Some insurance companies even consider your credit rating when determining how much to charge you for auto insurance.
So how can you keep your rates low?
Certain factors always work in your favor. While you can’t control your age or your gender, you can control how safe a driver you are. If you have a clean driving record, insurance companies will charge you less than what they charge a person with similar characteristics (same age, same gender) but with a history of citations, accidents and filing claims.
Here are some city factors that will affect your rate:
Commute time: It’s simple: The more time you spend on the road, the more likely it is that you'll be in an accident.
Drivers with longer commute times tend to pay more for car insurance. Commute times in Mesa are similar to the national average.
- National Average: 25.4 minutes
- Mesa Average: 23.8 minutes
Theft in your city: Mesa residents have a relatively low chance of having their car stolen.
But cars can be stolen anywhere, and without car insurance, how would you pay for a stolen or vandalized vehicle? Would you be able to replace belongings stolen from your car?
Car insurance helps you pay for stolen or damaged vehicles and personal property. With the right coverage, you’ll be back on the road in no time after a theft.
No matter where you live, be sure to take extra precautions to secure your car and your belongings. Always lock your car, park in well-lit areas and consider installing a car alarm or another security device.
These measures will help protect you from auto theft. In addition, many insurance companies offer discounts for drivers of vehicles with anti-theft devices.
- Auto Theft Rate in U.S. (per 1,000 vehicles): 2.94
- Auto Theft Rate in Mesa (per 1,000 vehicles): 1.75
How to Find Affordable Auto Insurance in Mesa
Mesa car insurance can be affordable for any driver. Just be sure to do your homework and work with a local, independent agent.
Because Trusted Choice Independent Insurance Agents aren't tied down to one carrier, they can get quotes from numerous insurance companies and offer you a variety of policy options.
Our agents will work closely with you to assess your risks and answer your questions. We proudly offer quality, affordable car insurance to Mesa residents.