Car Insurance in Mesa, AZ

Experts break down Mesa auto insurance costs, coverages, companies, and more.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Mesa Arizona car insurance

Anyone can find themselves involved in a car accident. That is why vehicle owners in Mesa, AZ are required to carry car insurance. From fender-benders on East Baseline Road to multi-car collisions on the Superstition Freeway, a reliable auto insurance policy can cover you against large financial losses.

Finding the best and most affordable car insurance is easy when you work with a local independent agent. These agents are available to help you obtain and review customized quotes from a variety of the best car insurance providers in the area. Contact an independent insurance agent near you to get started.

How Much Does Car Insurance Cost in Mesa, AZ?

Although car insurance prices in Arizona tend to be lower than they are nationally, in Mesa, the average cost is similar to the national average rate.

  • National average annual car insurance cost: $1,311
  • Arizona average annual car insurance cost: $1,103
  • Mesa average annual car insurance cost: $1,318

Of course, an average rate can only give you a general idea of what you might actually be expected to pay. Car insurance costs can vary from one driver to the next because they are based on several factors such as:

  • The make, model, and year of the vehicle(s) you are insuring
  • Your age, occupation, and driving history
  • Information about the other licensed drivers in your household
  • Whether you own or rent your home
  • The amount of liability coverage you are purchasing
  • Which, if any, coverage options you want to include in your policy
  • The size of your deductible

You can frequently earn rate reductions if you bundle your car insurance with other policies like homeowners insurance or renters insurance. Comparison shopping lets you get the coverage you want at the lowest offered price.

What Does Mesa, AZ Car Insurance Cover?

In Mesa, a basic car insurance policy can cover:

  • Other people’s property damage if you cause an accident
  • Other people’s medical bills if you cause an accident

By adding various coverage options, you can have a policy that also covers:

  • Collision damage to your vehicle
  • Non-collision damage to your vehicle
  • Your own medical bills if you are injured in an accident you caused
  • Assistance if your vehicle breaks down

Read on to learn more about the coverage your policy can provide.

What Are the Minimum Car Insurance Requirements in Mesa, Arizona?

In Arizona, all car insurance policies must include liability insurance. This is designed to cover other people’s property damage and medical bills if you are at fault for an accident.

Your policy must include a minimum of 25/50/15 liability coverage. This means that it must provide at least:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $15,000 in property damage liability per accident

These required amounts may seem rather high at first glance. However, if you cause an accident that involves serious injuries to others, their medical costs can easily exceed what a minimum coverage policy can pay for. In that case, you would be required to make up the difference on your own.

That is why many Mesa drivers opt to purchase car insurance that has higher liability limits than the state requires. By supplementing your car insurance with umbrella insurance, you can boost your liability coverage even higher.

What Coverage Options Can I Include in My Mesa, AZ Car Insurance Policy?

In addition to the mandatory liability coverage mentioned above, your car insurance provider will offer a variety of coverage options. These include:

  • Full coverage: This covers loss or damage to your own vehicle. It is typically required by lenders if you are financing your car and by dealerships if you are leasing it. Full coverage includes:
    • Collision coverage: This covers the cost to repair or replace your own vehicle if is it damaged or totaled in a collision, regardless of fault.
    • Comprehensive coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a non-collision event such as a windstorm or flood.
  • Medical payments coverage: This can provide a limited amount of coverage for medical treatments for you and your passengers if you are injured in a collision, regardless of fault.
  • Uninsured motorist coverage: This can compensate you for the cost of medical treatments if you or your passengers are injured in a collision caused by an uninsured driver. In Arizona, if you select this coverage, your insurance company must provide a minimum of $25,000 in coverage per person and $50,000 in coverage per accident.
  • Roadside assistance and towing: This covers the costs of assistance if your car becomes disabled while you are away from home, such as if your engine overheats or you get a flat tire.
  • Gap insurance: This covers the gap between what your car is worth and what you currently owe for it if it is totaled in a covered event. This coverage is typically only beneficial in the first year or two of new-car ownership.

It is a good idea to review the details and costs of each coverage option to determine which are a good value for you and your family.


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What Is the Penalty for Driving without Insurance in Mesa, Arizona?

Driving without insurance is illegal in Arizona. If you are caught, you can face:

  • Fines ranging from $500 to $1,000
  • The suspension of your license plate and driver’s license for three months to one year
  • The need to pay a $35 reinstatement fee to get your driving privileges back
  • The requirement to file an SR-22 certificate for two years
  • A civil traffic violation conviction on your record
  • Higher car insurance rates

You may be able to have your fine waived if you haven’t been convicted of driving without insurance in the previous three years and you present proof that you have purchased a suitable six-month car insurance policy.

The good news is that the rate of uninsured drivers in Arizona is lower than the national rate. The bad news is that this still constitutes more than one in ten drivers.

  • Percentage of US drivers who are uninsured: 13.0%
  • Percentage of Arizona drivers who are uninsured: 12.0%

Uninsured motorist insurance was created to ensure that if you are injured in an accident caused by an uninsured driver, you can receive compensation for your accrued medical costs quickly and without the need to take legal action against the at-fault driver.

Does Mesa, AZ Car Insurance Cover against Auto Theft?

The auto theft rate in the state of Arizona is higher than the national rate. However, in Mesa, the rate is lower. This is not to say the risk does not exist. Residents of this city report around 850 auto thefts a year.

  • National auto theft rate per 1,000 vehicles: 2.29
  • Arizona auto theft rate per 1,000 vehicles: 2.67
  • Mesa auto theft rate per 1,000 vehicles: 1.62

You should be aware that you can only receive compensation for a stolen vehicle if your car insurance policy includes comprehensive coverage. This optional insurance covers more than just car theft, it also covers non-collision damage such as may be caused by floods, wildfires, and hail.

If you are financing or leasing your vehicle, chances are good you have this coverage already. If not, you may want to look into how much it will cost for you to add it to your car insurance policy.

What Are the Best Car Insurance Companies in Mesa, AZ?

The best car insurance companies are the ones that have a long track record of proven reliability, excellent customer service, and competitive rates.

Independent insurance agents in Mesa have developed relationships with many of the best insurance providers in the Arizona, so you can rest assured that any policies and quotes your agent presents you with are offered by companies you can rely on.

How Can an Independent Insurance Agent in Mesa, AZ Help Me Find Coverage?

If you are looking for the best car insurance policy to meet your coverage and budgetary needs, a local independent agent can help. These agents work for you, not for a particular insurance company, so they are free to shop around to find the coverage you want at a price you can afford.

It doesn’t cost anything to talk to one of these experienced insurance professionals. Contact an independent insurance agent near you to get more information and to start comparing selections of customized car insurance quotes.

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