The car, truck, or SUV that needs insurance is one of the largest factors when shopping around for the best cheap coverage for state employees. Vehicles with lower acceleration and performance, an excellent safety record, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models.
The next list estimates auto insurance premiums for the cheaper vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,308 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,354 |
| Toyota Prius | $1,452 |
| Ford Escape XLT 4WD | $1,468 |
| Honda CR-V LX 2WD | $1,478 |
| Volkswagen Jetta S 4-Dr Sedan | $1,550 |
| Ford Edge Limited AWD | $1,633 |
| Chevrolet Impala LTZ | $1,638 |
| Toyota Corolla XLE | $1,633 |
| Nissan Rogue SL 2WD | $1,659 |
| Kia Optima LX | $1,666 |
| Honda Odyssey Touring | $1,664 |
| GMC Sierra SLE Crew Cab 4WD | $1,673 |
| Find Cheaper Rates Go | |
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in specific location information which can affect auto insurance rates significantly.
Based on these rates, you can figure that cars like the Hyundai Elantra, Jeep Wrangler, Toyota Prius, and Ford Escape are likely to be the cheapest vehicles to insure for state workers.
Establishing which companies offer the best auto insurance rates for state employees takes a little more effort than just comparing a company or two. Each insurance company has their own unique process for setting prices, so let’s take a look at the most affordable auto insurance companies in Arizona.
It’s important to understand that Mesa, AZ auto insurance rates are calculated based on many things that may substantially change the price you pay. Simply improving your credit, moving across town, or getting a speeding ticket can produce rate changes resulting in some rates now being cheaper than competitors.
Cheap Insurance Rates in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,080 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,142 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,184 |
| 10 | Allied | $1,197 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,336 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,473 |
| 18 | American Family | $1,478 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,567 |
| Get Personalized Rates Go | ||
The Hartford generally has some of the most affordable car insurance rates in Mesa at around $811 per year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the more affordable Mesa, AZ insurance companies.
In the rate table above, if you have coverage with Travelers and switched to Auto-Owners, you may realize a yearly price reduction of in the vicinity of $160. Drivers with USAA could save as much as $165 a year, and Progressive insureds might reduce prices by as much as $215 a year.
To find the cheapest rates for your vehicle, click here to get a free quote or click through to the companies below.
Bear in mind that those policy rates are averaged across all types of insureds and vehicles and do not take into consideration a vehicle location for state employees. So the company that can offer the best rates for your situation may not even be in the top 28 companies in the list above. That illustrates why you need to compare prices as often as possible using your own driver data and vehicle information.
For state workers, one of the more important criteria that are looked at to help calculate car insurance rates is your address. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.
The table below ranks the most costly cities in Arizona for state employees to buy an auto insurance policy in. Mesa is listed at #6 with an annual premium of $1,147 for car insurance, which is about $96 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,161 |
| 5 | Buckeye | $1,156 |
| 6 | Mesa | $1,147 |
| 7 | Peoria | $1,137 |
| 8 | Chandler | $1,126 |
| 9 | Gilbert | $1,120 |
| 10 | Tempe | $1,118 |
| 11 | Scottsdale | $1,117 |
| 12 | Tucson | $1,094 |
| 13 | Casa Grande | $1,089 |
| 14 | Goodyear | $1,087 |
| 15 | Surprise | $1,080 |
| 16 | Maricopa | $1,074 |
| 17 | Casas Adobes | $1,072 |
| 18 | Catalina Foothills | $1,072 |
| 19 | Oro Valley | $1,062 |
| 20 | Flagstaff | $969 |
| Get a Custom Quote Go | ||
Rate information is approximated as vehicle location can revise prices significantly.
Discount Mesa car insurance rates
Car insurance companies that provide policies for state employees may also provide special discounts that could lower prices by as much as 40% or more if you qualify. Companies and their possible discounts can be found below.
- State Farm has savings for defensive driving training, multiple autos, good driver, safe vehicle, accident-free, and driver’s education.
- Esurance offers discounts for online quote, homeowner, multi-car, online shopper, Switch & Save, and emergency road assistance.
- Progressive may have discounts that include online quote discount, multi-policy, good student, online signing, and multi-vehicle.
- Liberty Mutual policyholders can earn discounts including new move discount, newly retired, good student, exclusive group savings, newly married, new vehicle discount, and teen driver discount.
- Auto-Owners Insurance includes discounts for group or association, anti-lock brakes, paid in full, anti-theft, and paperless.
- GEICO may offer discounts for federal employee, anti-lock brakes, driver training, multi-policy, daytime running lights, and defensive driver.
The example below compares yearly insurance costs with and without discounts applied to the premium. The premiums assume a female driver, no claims or violations, Arizona state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, passive restraint, claim-free, homeowner, multiple policy, and safe-driver discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for state employees is 28% or $406.
Ending up with a highly-rated auto insurance provider is difficult considering how many different companies sell coverage in Arizona. The company rank data shown below could help you choose which auto insurers to look at when looking for cheaper rates.
These ratings are only comprised of large nationwide companies, so companies without a large exposure are not factored into the list. If you would like to check rates from the insurers below and more, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The agents listed below are a good start to help you decide which insurance coverage you need, as some people prefer to get some help when buying car insurance for state employees. It’s not always simple to find the best coverage on your own, so insurance agents can provide satisfaction knowing you have enough coverage if you have a claim. To locate an agency close to where you live, click the link at the bottom or click here to compare price quotes.
- AALL Insurance
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 - Jayson Hoffer Insurance Agency
1930 South Alma School Road A101 – Mesa, AZ 85210 – (480) 948-6115 - Donna Kohlhase – State Farm Insurance Agent
6836 E Brown Rd #101 – Mesa, AZ 85207 – (480) 396-2140
View map of Mesa, AZ insurance agents
How to find economical auto insurance for state employees
The list below summarizes some thrifty solutions that can help Arizona drivers find lower-cost car insurance.
- Drop full coverage on older vehicles
- Buy vehicles with five-star safety ratings
- Prevent price hikes by avoiding at-fault accidents
- Buy your auto and home insurance from the same company and save
- Maintaining good credit helps earn cheaper rates
- Compare rates once a year for cheaper prices
The final tip is extraordinarily critical, as we hit on in the prior information. Coverage prices can be modified anytime, so drivers shouldn’t be resistant to buy from a different company if a lower price can be found.
Loyalty to a specific company is fine, but it’s not a good idea if your bullheadedness ends up costing you a small fortune. It only takes a couple minutes to compare prices and find cheaper insurance for state employees in Mesa.