Determining which company has the cheapest auto insurance rates for safe drivers requires a little more work in order to find the lowest price quote.
Each company uses their own method to set premium rates, so we need to take a look at the auto insurance companies with the overall best prices in Mesa, AZ. It’s a good idea to be aware that Mesa auto insurance rates are based on many factors that control the price of your policy. Simply improving your credit, getting married, or getting a reckless driving citation can trigger changes in premium that can cause some rates to be more affordable than before.
Find Cheaper Auto Insurance for Safe Drivers
The Hartford may offer some of the most affordable car insurance rates in Mesa at around $845 per year. Auto-Owners, Safeco, Travelers, and USAA also are some of the lowest-priced Mesa, AZ auto insurance companies.
In the rate table above, if you are currently insured with Safeco and switched to The Hartford, you might realize savings of around $78. Arizona drivers with Travelers may save as much as $230 a year, and USAA customers might see rate reductions of $246 a year.
To find out how much you can save, click here to begin a quote or visit several of the following companies.
Remember that these estimates are averaged for all drivers and vehicles and do not take into consideration an exact location for safe drivers. So the company that has the cheapest price for you may not even be in the top 28 companies in the list above. That helps illustrate why you need to compare prices as often as possible using your own driver and vehicle profiles.
For good drivers, one of the more important factors that are looked at to determine car insurance rates is where you live. Cities with larger populations or higher claim trends are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The information below lists the highest-priced areas in Arizona for safe drivers to buy car insurance in. Mesa is ranked #5 with an annual cost of $1,125 for the average insured, which is around $94 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | San Tan Valley | $1,196 |
| 3 | Glendale | $1,190 |
| 4 | Avondale | $1,174 |
| 5 | Mesa | $1,125 |
| 6 | Buckeye | $1,122 |
| 7 | Tempe | $1,118 |
| 8 | Scottsdale | $1,117 |
| 9 | Gilbert | $1,108 |
| 10 | Peoria | $1,104 |
| 11 | Surprise | $1,090 |
| 12 | Goodyear | $1,087 |
| 13 | Chandler | $1,082 |
| 14 | Catalina Foothills | $1,082 |
| 15 | Maricopa | $1,074 |
| 16 | Tucson | $1,061 |
| 17 | Casa Grande | $1,057 |
| 18 | Oro Valley | $1,051 |
| 19 | Casas Adobes | $1,050 |
| 20 | Yuma | $983 |
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Annual rates are estimated as the specific Mesa residence address can affect insurance rates significantly.
The vehicle model you are trying to insure is one of the largest factors that determines whether or not you can buy cheap auto insurance for safe drivers. Vehicles with higher performance characteristics, poor passenger safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models.
The next list features insurance costs for a number of the cheaper automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,562 |
| Honda CR-V EX-L 4WD | $1,597 |
| Honda Accord EX-L 4-Dr Sedan | $1,699 |
| Ford Explorer XLT 4WD | $1,745 |
| Ford Focus SES 4-Dr Sedan | $1,747 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,780 |
| Toyota Prius | $1,785 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,809 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,812 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,821 |
| Toyota Camry LE | $1,847 |
| Toyota RAV4 Limited 2WD | $1,855 |
| Chevrolet Malibu LS | $1,847 |
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rates do not factor in Mesa, AZ location which can increase or decrease insurance rates greatly.
Based upon the table data, we can tell that vehicles like the Ford Escape, Honda CR-V, Honda Accord, Ford Explorer, and Ford Focus should be a few of the cheaper vehicles to insure for good drivers.
Careless drivers pay higher rates
The recommended way to enjoy the most affordable auto insurance prices in Mesa for good drivers is to drive cautiously and avoid getting tickets or having accidents. The illustration below shows how traffic citations and accidents influence insurance costs for each different age group. The data assumes a married male driver, full coverage, $1,000 deductibles, and no discounts are applied.
The data above shows the average cost of an auto insurance policy in Arizona per year with no violations or accidents is $1,074. Receive one speeding ticket and the average cost hikes up to $1,236, an increase of $162 each year. Then add one accident along with the one speeding ticket and the 12-month cost of auto insurance for safe drivers goes up to an average of $1,682. That’s an increase of $608, or $51 per month, just for not driving carefully!
Get discounts on Mesa car insurance rates
Auto insurance companies that provide coverage for safe drivers may also give you special discounts that could reduce prices by as much as 30% if you qualify. A list of auto insurance companies and their possible discounts include:
- American Family offers premium reductions for Steer into Savings, multi-vehicle, accident-free, air bags, and mySafetyValet.
- Nationwide policyholders can earn discounts including accident-free, business or organization, defensive driving, Farm Bureau membership, and anti-theft.
- MetLife has savings for good driver, multi-policy, claim-free, good student, defensive driver, and accident-free.
- 21st Century may have discounts that include air bags, 55 and older, driver training, early bird, homeowners, and theft prevention.
- Farmers Insurance offers discounts including youthful driver, mature driver, distant student, homeowner, switch companies, and multi-car.
- Allstate includes discounts for good payer, good student, defensive driver, passive restraint, safe driver, utility vehicle, and anti-theft.
The information below shows the difference between insurance costs with and without policy discounts. The data assumes a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, defensive driving course, vehicle safety, claim-free, multiple policy, and safe-driver discounts applied. When discounts are factored in, the average savings per year on auto insurance for safe drivers is 28% or $605.
Liability only or full coverage
Buying cheaper auto insurance is probably important to the majority of vehicle owners, and a good way to pay less for insurance for safe drivers is to not buy comprehensive and collision coverage. The example below illustrates the difference between car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The rates are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Averaged out for all age groups, full coverage costs an additional $1,722 per year more than just buying liability only. Many drivers may wonder if buying full coverage is worth the money. There is no written rule of when to eliminate full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.