The words “bargain” and “insurance” probably shouldn’t be used in the same sentence, specifically when searching for the lowest insurance rates for high mileage drivers. Because of the high cost, let’s lead off by showing you some of the factors that determine auto insurance rates, and figure out some ways to slash the price of the next policy you buy.
One of the many criteria that are looked at to determine the annual cost of car insurance is where you live in Mesa. Regions with larger populations or more claims are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.
The next table shows the most expensive places in Arizona for high mileage drivers to purchase a policy in. Mesa makes the list at #8 with an annual cost of $1,125 for the average policyholder, which is approximately $94 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | San Tan Valley | $1,185 |
| 3 | Glendale | $1,178 |
| 4 | Avondale | $1,174 |
| 5 | Scottsdale | $1,163 |
| 6 | Goodyear | $1,131 |
| 7 | Peoria | $1,126 |
| 8 | Mesa | $1,125 |
| 9 | Buckeye | $1,122 |
| 10 | Tempe | $1,118 |
| 11 | Gilbert | $1,108 |
| 12 | Maricopa | $1,107 |
| 13 | Tucson | $1,094 |
| 14 | Chandler | $1,093 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Casas Adobes | $1,072 |
| 17 | Surprise | $1,058 |
| 18 | Casa Grande | $1,057 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $963 |
| 21 | Prescott | $952 |
| 22 | Flagstaff | $941 |
| 23 | Bullhead City | $896 |
| 24 | Lake Havasu City | $878 |
| 25 | Sierra Vista | $872 |
| Quote Best Rates Go | ||
Rate information is estimated as the specific zip code location can increase or decrease premium rates considerably.
Deciphering which company has the best insurance rates for high mileage drivers may require a bit more work in order to find the lowest price. Every insurance provider uses different criteria to determine premium rates, so let’s take a look at the most affordable insurance companies in Mesa.
It’s a good idea to know that Mesa insurance rates are influenced by many factors which can significantly increase or decrease the cost of coverage. Simply having another birthday, moving to a new city, or having a fender bender can trigger changes in premium that may make certain companies more affordable than others.
Best Car Insurance Prices in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $915 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,124 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,152 |
| 8 | Allied | $1,197 |
| 9 | Ameriprise Group | $1,208 |
| 10 | CSAA | $1,213 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,297 |
| 13 | Unitrin | $1,317 |
| 14 | State Farm | $1,323 |
| 15 | Farmers | $1,350 |
| 16 | Titan | $1,433 |
| 17 | American Family | $1,478 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,568 |
| Get Personalized Rates Go | ||
The Hartford normally has some of the cheapest car insurance rates in Mesa at around $836 per year. Safeco, Auto-Owners, Travelers, and USAA are also some of the best Mesa, AZ auto insurance companies.
In the above rates, if you currently buy coverage from Travelers and switched to Safeco, you might realize annual savings of roughly $179. Customers with USAA might save as much as $228 a year, and GEICO customers might reduce prices by as much as $235 a year.
Be aware that those policy rates are averages for all ages of drivers and types of vehicles and do not factor in an exact location for high mileage drivers. So the company that fits your needs best may not even be in the top 28 companies in the list above. That is why you need to quote rates from many companies using your own driver information and specific vehicle type.
Cost of full coverage in Mesa
Reducing premiums for insurance is probably important to the majority of vehicle owners, and an effective way to buy cheap insurance for high mileage drivers is to buy only liability coverage. The example below shows the difference between auto insurance rates with full coverage and liability only. The premiums are based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied to the premium.
If we average the cost for ages 20 through 70, physical damage coverage costs an additional $1,919 per year more than just insuring for liability. That raises the question if paying for full coverage is worth it. There is no definitive rule for phasing out full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
There are some conditions where eliminating full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not consider dropping full coverage.
Poor driving habits will raise your insurance rates
In a perfect world, the ideal way to enjoy affordable insurance premiums for high mileage drivers is to drive safe and not have accidents or get tickets. The information below illustrates how speeding tickets and at-fault accidents can influence yearly insurance costs for each different age group. The costs are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
The data charted above shows the average cost of auto insurance in Arizona per year with no accidents or violations is $1,605. Get written up for one speeding ticket and the average cost jumps to $1,822, an increase of $217 each year. Now add one accident along with the one speeding ticket and the yearly cost of insurance for high mileage drivers jumps again to an average of $2,427. That’s an increase of $822, or $68 per month, just for a couple of infractions!
Why are you paying too much for Mesa car insurance?
Arizona insurance rates are impacted by many factors that can increase the cost of a policy. Simply improving your credit, buying another vehicle, or getting a driving violation may generate price changes that can make some companies much cheaper than others. Also, companies modify pricing as often as every three months in order to be able to pay unexpected claims. Higher than usual claims may cause increased policy costs, while long-term profits may result in lower-cost Mesa car insurance rates.
For example, the graph below shows which company has the cheapest car insurance in Mesa, AZ for a 30-year-old female driver with no accidents or violations, and a high credit rating. If we compare prices based on her current situation, The Hartford might offer the lowest car insurance rates in Mesa at $1,090 a year. This is $338 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Progressive are the remainder of the cheapest Mesa, AZ auto insurance companies.
Now we will pretend the driver from the first example a chargeable accident, poor credit, and a speeding citation. Since every car insurance company has a different process to set their prices, comparing quotes may result in a substantially altered list of the cheapest car insurance companies in Mesa as shown below.
CSAA now has the best price in Mesa with GEICO, Ameriprise Group, Allied, and Safe Auto now being in the top five. This demonstrates why Arizona drivers need to compare many different companies when trying to get the most economical insurance rates for high mileage drivers. Prices are calculated by many factors and change frequently, so the best option two years ago may now cost much more than other companies.