Trying to buy reasonably-priced insurance is not the easiest thing to accomplish, and deciding which company has the most affordable auto insurance rates for low mileage drivers calls for a bit more work. Every auto insurer uses different criteria for setting prices, so let’s begin by examining the auto insurance companies with the overall cheapest rates in Arizona.
It’s important that readers know that Mesa, AZ auto insurance rates are impacted by many things that will increase or decrease the policy premium. This price fluctuation is why it is critical to compare many different companies when trying to get the lowest insurance rates for low mileage drivers. Prices are impacted by many factors and can change without notice, so the cheapest rate six months ago may now be an over-priced policy.
Cheapest Insurance Rates in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $896 |
| 4 | USAA | $1,113 |
| 5 | Travelers | $1,119 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,208 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,317 |
| 14 | State Farm | $1,323 |
| 15 | Farmers | $1,378 |
| 16 | American Family | $1,420 |
| 17 | Titan | $1,433 |
| 18 | Amica | $1,443 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,567 |
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The Hartford may have some of the cheapest car insurance rates in Mesa at around $811 per year. Auto-Owners, Safeco, USAA, and Travelers would also make the list of some of the cheaper Mesa, AZ car insurance companies.
As shown above, if you have coverage with Travelers and switched to Auto-Owners, you might achieve an annual savings of upwards of $231. Insureds with Progressive may save as much as $242 a year, and GEICO policyholders might lower prices by $278 a year.
It’s important to note that these policy prices are averages for all ages of drivers and types of vehicles and and are not figured with a specific location for low mileage drivers. So the company that is best for you may not even be in the top 28 companies shown above. That is why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
One of the more important components that are looked at to help calculate car insurance rates is the neighborhood you call home. Larger areas are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims benefit from having to pay less for coverage.
The following table ranks the most costly cities in Arizona for low mileage drivers to purchase car insurance in. Mesa shows up at #7 with the yearly price of $1,147 for car insurance, which is around $96 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | San Tan Valley | $1,185 |
| 3 | Glendale | $1,178 |
| 4 | Avondale | $1,174 |
| 5 | Scottsdale | $1,163 |
| 6 | Buckeye | $1,156 |
| 7 | Mesa | $1,147 |
| 8 | Goodyear | $1,131 |
| 9 | Tempe | $1,118 |
| 10 | Chandler | $1,115 |
| 11 | Gilbert | $1,108 |
| 12 | Peoria | $1,104 |
| 13 | Casas Adobes | $1,082 |
| 14 | Maricopa | $1,074 |
| 15 | Tucson | $1,072 |
| 16 | Casa Grande | $1,057 |
| 17 | Catalina Foothills | $1,050 |
| 18 | Surprise | $1,048 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $963 |
| 21 | Flagstaff | $931 |
| 22 | Prescott | $914 |
| 23 | Bullhead City | $905 |
| 24 | Sierra Vista | $899 |
| 25 | Lake Havasu City | $852 |
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Premium amounts are approximated as zip code location can influence coverage prices substantially.
The car, truck, or SUV you are seeking coverage for is one of the primary factors when shopping for the most affordable insurance for low mileage drivers. Vehicles with high performance features, poor safety features, or a track record of large liability claims will cost significantly more to insure than safer models. The information below presents auto insurance premiums for some of the most economical vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Explorer XLT AWD | $1,521 |
| Ford Escape XLS 2WD | $1,550 |
| Honda Accord EX 4-Dr Sedan | $1,559 |
| Chevrolet Malibu LS | $1,602 |
| Toyota RAV4 2WD | $1,609 |
| Chevrolet Equinox LS AWD | $1,602 |
| Toyota Tacoma Double Cab 4WD | $1,631 |
| Ford Focus SEL 4-Dr Sedan | $1,655 |
| Honda CR-V EX 2WD | $1,660 |
| Honda Odyssey EX-L | $1,687 |
| Toyota Prius | $1,713 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,716 |
| GMC Sierra SLT Extended Cab 2WD | $1,722 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,832 |
| Kia Optima EX | $1,839 |
| Volkswagen Jetta S 4-Dr Sedan | $1,835 |
| Dodge Grand Caravan SXT | $1,869 |
| Ford Edge SEL 2WD | $1,924 |
| Jeep Grand Cherokee Limited 2WD | $1,967 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,973 |
| Nissan Rogue SL 2WD | $1,967 |
| Ford F-150 Lariat Crew Cab Harley 2WD | $1,977 |
| Dodge Ram 2500 Mega Cab Laramie 4WD | $1,977 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise premiums considerably.
By looking at the data, you can expect makes and models like the Ford Explorer, Ford Escape, Honda Accord, Chevrolet Malibu, and Toyota RAV4 are going to be some of the most affordable vehicles to insure for infrequent drivers.
Selecting the highest-rated auto insurance company is hard considering how many choices there are in Mesa. The company information below can help you choose which coverage providers you want to consider to insure your vehicles.
The ratings below are only comprised of the largest auto insurers in America, so companies that may only write in Arizona are not taken into consideration for the list. To check prices from many more Arizona auto insurance companies, click this link.
Top 10 Major Auto Insurance Companies in Mesa Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Major Auto Insurance Companies Overall in Mesa
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Types of discounts on Mesa insurance
Insurers that provide policies for low mileage drivers may additionally offer price discounts that may potentially lower prices by as much as 35% if you meet eligibility requirements. Popular auto insurance companies and their possible discounts include:
- State Farm offers discounts for multiple autos, student away at school, good student, anti-theft, and Drive Safe & Save.
- Esurance offers discounts including claim free, homeowner, DriveSense, defensive driver, and good driver.
- Progressive has discounts for online quote discount, homeowner, multi-policy, online signing, and multi-vehicle.
- Liberty Mutual discounts include exclusive group savings, newly married, multi-car, hybrid vehicle, new vehicle discount, good student, and new graduate.
- Auto-Owners Insurance includes discounts for paid in full, safe vehicle, good student, multiple vehicles, group or association, and student away at school.
- GEICO may offer discounts for defensive driver, federal employee, membership and employees, anti-lock brakes, and emergency military deployment.
The information below illustrates the comparison of insurance prices with and without discounts applied to the policy premium. The data assumes a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, claim-free, vehicle safety, multiple vehicle, multiple policy, and safe-driver discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for low mileage drivers is 28% or $595.
Why are you paying too much for car insurance?
Mesa auto insurance rates are based on many factors that may substantially change the cost of a policy. Simply having another birthday, having a teen driver, or having an at-fault accident can trigger price changes that can cause some rates to be more affordable than before. Not only may things change on your end, but companies amend pricing as needed to adjust for gains or losses. Heavier than normal losses can cause rate increases, while a profitable period can cause cheaper Mesa car insurance rates.
The graph below demonstrates which company has the cheapest car insurance in Mesa, AZ for a 40-year-old female driver with no violations or accidents, and excellent credit. When quoting prices based on her current risk profile, The Hartford may have the best car insurance rates in Mesa at $1,071 per year. This is $357 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also on the list of the cheapest Mesa, AZ auto insurance companies.
The example below compares rates after we give the driver from the first example a couple of claims, a lower credit rating, and a blemish on her driving record. Since every car insurance company has their own guidelines to determining premium rates, comparing prices may now result in a completely different list of affordable Mesa car insurance companies as shown below.
GEICO now has the cheapest insurance rate in Mesa with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual now being in the top five. This demonstrates why consumers need to perform a complete rate comparison when trying to get affordable car insurance quotes for low mileage drivers.
Rates can be determined by many risk factors and change frequently, so the cheapest company two years ago may now be quite expensive.