Which Company Has the Lowest Cost of Car Insurance in Mesa?

Mesa, Arizona was the third largest city in the state when the 2010 census was taken. It’s population in 2018 was just over 500,000. For residents over the age of 16 who work in the city, it takes a little less than 25 minutes (24.8) to commute to work. In the metropolitan region of Phoenix-Mesa-Scottsdale, Arizona, 13,469 vehicles were stolen in a given year, making the area 98th in vehicle theft out of a range of metropolitan areas in the US.

All of this – the city’s size, vehicle theft rate, and how busy the streets are – means that vehicle insurance for residents of Mesa will be a little pricier. Insurance companies know that car theft is a higher risk in this part of the country and in larger cities in general, so they will charge insurance customers more for coverage.

However, even with all this, Mesa isn’t the most expensive city in the state for insurance. That would be Phoenix.

What is Required for Mesa Drivers?

As is the law in every other state in the country, residents of Arizona are required to buy auto insurance. They need to buy standard coverages, such as injury liability for one person, for all injuries to everyone in the vehicle(s), and for property damage. In Arizona, minimum coverage is $15,000 for one person, a maximum of $30,000 for all injuries, and $10,000 for property damage. This is denoted as 15/30/10.

You can expect to pay about $1,597 in average annual car insurance costs if you live in Arizona. If you liv in Mesa and look at other Arizona cities, you’ll find that the residents of some cities pay rates similar to yours while other cities pay substantially more, such as Phoenix.

Tucson residents pay an average of $1,522 annually; Scottsdale, $1,530; and Chandler, $1,542. The national annual insurance premium is $1,679, which means the averages in Arizona are similar to national insurance rates.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Mesa by Insurer

You may need to resort to finding an insurance provider that enables you to pay less-expensive rates than other companies may charge. Whether that is because they cater to budget friendly rates, don’t weigh your driving history or credit as much as another company, or because they are a larger company more likely to take risks on drivers doesn’t matter. What matters is finding insurance you can afford.

Learn how to find cheap car insurance near you.

Low Cost Auto Insurance for Bad Credit in Mesa

You may not be able to buy insurance from some insurance companies due to a bad credit history. While there are a few states in the US that don’t allow insurance companies to use your credit history to decide your premiums, AZ is not one of those states. That means that a negative credit history will likely increase your insurance costs. However, some companies do offer plans for people in your situation:

Our bad credit guide can help you find low cost auto insurance rates close by.

Differences Between the Two Main Coverages

What is Liability-Only?

Liability insurance will pay for the injuries and/or damages that you cause to others in the case of a collision where you were at fault. In most cases, liability insurance will cost less than full-coverage insurance, but then again, they are both very different in what they cover. Liability is mandatory in all U.S. states, although how much liability you are required to have differs between states. Even if it wasn’t mandatory to have liability insurance, accidents can happen anytime and, if they do, you will need to be able to pay for the damages that you cause if you were the one to blame.

What does Full Coverage Insurance Cover?

Full coverage auto insurance in Arizona pays for your injuries and the damages made to your car as well as for others and isn’t just a specific type of a policy but it is instead liability, comprehensive insurance, and collision all combined. Full coverage insurance is not mandatory, but is good to have since it will help pay for your car to be fixed in the event of an accident that causes you injury or damage to your car, even if you were at fault. If the other person that collided with you was at fault, then their insurance will cover the damages to your car and your injuries. This is why there are laws requiring everyone to have insurance to cover the damages they cause.

Difference Between the Two Types of Coverage

The chief distinction between full and liability coverage is that full coverage ensures that any damage done to your car can be covered by insurance. Liability insurance only protects you from claims when you are at-fault in an accident. You will still need to pay for any damage to your own car, you just won’t have to pay for damage you caused to another person’s car. Full coverage can cover damage to your car even if the other driver is not insured and cannot compensate you for damages.

Finally, all states require that you carry at least a liability insurance policy so that collision victims receive compensation in the event of an accident. At-fault drivers are likewise protected from claims resulting from an automobile accident.

Average Annual Car Insurance Rates in Aarizona by City

Additional cities in Arizona you can check out.


Helpful Advice to Get Lower Car Insurance Rates

The following auto insurance discounts can be used to help lower your premiums in Mesa:

  • Shop around –

    As you can see from these few examples, the rates insurers charge for the very same driver demographics can vary incredibly. The television commercials by the insurers tell us we can save hundreds of dollars on automobile insurance. Actually, you could save a thousand or more dollars on your insurance each year.

  • Drive defensively –

    If you can stay out of accidents and don’t accrue moving violations, you can save a lot of money on your automobile insurance. People with too many accidents and moving violations have trouble getting insured at any rate.

  • Drive an older car –

    If you have a car that is too old and not worth enough to carry collision insurance, you can save quite a bit of money. This especially applies to younger drivers whose insurance costs are much higher. If they can drive an older vehicle that would just require liability insurance and maybe some inexpensive comprehensive insurance, they can save at least a thousand dollars or more on insurance.

  • Buy collision insurance with a high deductible rate –

    The higher deductible rate you can tolerate in the event of a collision and the need to repair your vehicle, the lower your collision insurance cost will be. Your collision insurance rate will be really high if your deductible is only around $500. If you can tolerate $1,500 or so, you can save quite a bit of money on this portion of your annual insurance rate.

  • Bundle your home and automobile insurance policies –

    If you can buy your automobile and home insurance from the same company, you will likely save money. Most insurers offer a substantial discount for having your home and auto policy with them.

To take advantage of all discounts on premiums, check out this guide.

These are the Common Reasons for Insurance Rates in Mesa

Mesa drivers are likely to see their insurance rates change over time. There can be many factors, both positive and negative, that impact your regular premiums. One key thing that all drivers face is aging. As you mature as a person and as a driver, your insurance rates are likely to fall. Typically, older drivers are safer drivers. They are less likely to drink and drive, speed, or take unnecessary risks on the road.

Your rates are also dependent, in part, on the type of car you drive. Drivers who love high-powered sports cars will likely spend more for automobile insurance than those who drive less-exciting SUVs and sedans.

Rates are also tied to the deductible on the policy. If you carry collision or comprehensive (full) coverage and opt for a higher deductible, your premiums could be lower. That is, if a tree hits your car, you will pay more up front for the damage to offset the lower premiums you’ve been paying over time.

Do you have a bad driving record and need cheap insurance? Check out this guide.

Helpful Mesa, Arizona Vehicle Resources:

Live Traffic Accidents by City

DMV in Arizona (Find Locations, Vehicle Registration, Titles and Insurance Info)


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