One of the more important factors that determine car insurance rates is where you keep your vehicle in Mesa. Larger areas tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents have the luxury of lower rates.
The following table ranks the most expensive areas in Arizona for low credit scores to buy auto insurance in. Mesa makes the list at #13 with an annual premium of $1,113 for the average insurance policy, which is around $93 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,190 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,161 |
| 5 | Gilbert | $1,154 |
| 6 | Tempe | $1,152 |
| 7 | Scottsdale | $1,129 |
| 8 | Peoria | $1,126 |
| 9 | Buckeye | $1,122 |
| 10 | Goodyear | $1,120 |
| 11 | Maricopa | $1,118 |
| 12 | Chandler | $1,115 |
| 13 | Mesa | $1,113 |
| 14 | Surprise | $1,090 |
| 15 | Catalina Foothills | $1,072 |
| 16 | Tucson | $1,061 |
| 17 | Casa Grande | $1,047 |
| 18 | Casas Adobes | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $983 |
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Premium amounts are estimated as specific Mesa zip code can alter auto insurance rates greatly.
Establishing which companies offer the cheapest auto insurance rates for low credit scores requires a little more sweat than just getting one or two price quotes. Every car insurance company has a proprietary method for determining rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Mesa.
Find Cheaper Auto Insurance in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $932 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,086 |
| 6 | Progressive | $1,164 |
| 7 | GEICO | $1,166 |
| 8 | CSAA | $1,177 |
| 9 | Allied | $1,209 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,297 |
| 13 | Unitrin | $1,357 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,443 |
| 18 | American Family | $1,463 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,552 |
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The Hartford generally has some of the best car insurance rates in Mesa at around $811 per year. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the cheaper Mesa, AZ insurance companies.
In the above rates, if you are currently insured with Safeco and switched to The Hartford, you may realize an annual savings of about $121. Customers with USAA could save as much as $269 a year, and Travelers policyholders might realize rate reductions of up to $275 a year.
If you want to find out if you’re overpaying, click here or click several companies below for low rates.
It’s important to note that these policy prices are averaged for all drivers and vehicles and are not factoring in a specific vehicle garaging location for low credit scores. So the insurer that fits your situation best may not even be in the list above. That underscores the importance of why you need to quote rates from many companies using your own individual information.
The type of vehicle you are seeking coverage for is a large consideration that determines whether or not you find the best cheap car insurance for low credit scores. Vehicles with lots of horsepower, poor crash test ratings, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models.
The next list shows coverage premiums for a number of the most affordable automobiles to insure in Arizona.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,471 |
| Honda Accord LX-P 4-Dr Sedan | $1,518 |
| Honda CR-V EX 2WD | $1,527 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,622 |
| Toyota Prius | $1,636 |
| Ford Explorer XLT AWD | $1,646 |
| Toyota Corolla S | $1,680 |
| Honda Odyssey EX-L | $1,686 |
| Ford Edge Limited 2WD | $1,709 |
| Chevrolet Equinox LT 2WD | $1,743 |
| Toyota RAV4 Limited 2WD | $1,748 |
| Chevrolet Impala LT | $1,743 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,748 |
| Volkswagen Jetta 2.0T Station Wagon | $1,764 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,777 |
| Compare Cheap Rates Go | |
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price information does not factor in zip code location which can raise or lower coverage prices considerably.
Based upon the rates shown, we can tell that models like the Ford Escape, Honda Accord, Honda CR-V, Dodge Ram 3500, and Toyota Prius are most likely going to be some of the most economical vehicles to insure for bad credit.
What is the best auto insurance company in Mesa?
Picking a highly-rated company is hard considering how many different companies insure vehicles in Mesa. The company ratings displayed below can help you select which companies to look at purchasing from. The rankings below only include companies who write in the majority of U.S. states, so smaller regional companies will not be included in this list.
Top 10 Major Car Insurance Companies in Mesa Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Major Car Insurance Companies Overall in Mesa
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
How careless driving impacts Mesa auto insurance rates
One of the best ways to receive cheap auto insurance rates in Arizona for bad credit is to be a safe driver and not receive tickets or have accidents. The information below demonstrates how speeding tickets and accidents increase insurance costs for different insured age categories. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
In the example above, the average cost of auto insurance in Mesa per year with a clean driving record and no accidents is $2,144. Get written up for two speeding tickets and the average cost swells to $2,841, an increase of $698 each year. Now add in two accidents along with the two speeding tickets and the annual cost of auto insurance for low credit scores increases to an average of $5,398. That’s an increase of $3,255, or $271 per month, just for being a less-than-perfect driver!
The example below shows how choosing a deductible can increase or decrease annual premium costs when quoting cheap insurance for low credit scores. The premium estimates are based on a married male driver, comp and collision included, and no discounts are factored in.
In the chart above, a 50-year-old driver could lower their car insurance rates by $282 a year by changing from a $100 deductible to a $500 deductible, or save $424 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old example, could drop their prices as much as $950 each year by choosing a higher deductible. When insureds make the decision to increase the deductibles on their policy, it is important to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
How to find the cheapest car insurance for low credit scores
It is possible to find better rates, and here are some of the better penny-pinching ideas that can help Mesa drivers locate cheap coverage.
- Don’t waste money on full coverage for older vehicles
- Drive safe vehicles
- Save money by insuring your home and auto with the same company
- Remain accident-free and save
- Do not get tickets or violations
- Frequent claims may make car insurance unaffordable
- Keep rates low by shopping around frequently
The last item on the list is certainly vital, as we pointed out in this article. Prices charged by companies fluctuate constantly, so you should be ready to buy a different policy if you can save money.
We understand brand loyalty, but is isn’t recommended if that stubbornness costs you lots of hard earned cash every month. Now is a great time to compare prices and find cheaper car insurance for low credit scores in Mesa.