You have probably watched the catchy commercials from auto insurance companies like The General and Liberty Mutual that guarantee the cheapest rates, so you should just pick the one with the best commercial, right?
It’s just not that easy, however, as there are a ton of unknown elements such as if you are married or single, if you have ever had a gap in coverage, and your credit history, that all have an effect on the price of a policy. In this article, we will teach you about some of these topics and should give you a good start in finding the cheapest car insurance in Mesa.
Finding decent, low-cost insurance is difficult, and figuring out which company offers the best car insurance rates for government employees will involve a little more work.
Every insurance company has a proprietary method to set policy rates, so let’s take a look at the overall cheapest car insurance companies in Mesa. We do need to point out that Mesa, AZ car insurance rates are based on many factors which can substantially decrease or increase the policy price. That is why it is crucial to do a thorough rate comparison when trying to get the cheapest insurance rates for government employees. Rates are influenced by many different factors and change substantially, so the cheapest option when you bought your policy may now be priced much higher than other options.
Cheapest Insurance Rates in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $897 |
| 4 | Travelers | $1,108 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,142 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,233 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,285 |
| 13 | State Farm | $1,323 |
| 14 | Unitrin | $1,357 |
| 15 | Farmers | $1,391 |
| 16 | Amica | $1,443 |
| 17 | American Family | $1,463 |
| 18 | Titan | $1,476 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,552 |
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The Hartford quotes some of the most affordable car insurance rates in Mesa at around $820 a year. This is $608 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also rank well as some of the more affordable Mesa, AZ insurance companies.
In the above example, if you currently have a policy with Auto-Owners and switched to The Hartford, you could see yearly savings of roughly $77. Policyholders with Travelers could save as much as $288 a year, and USAA policyholders might reduce prices by as much as $304 a year.
To find cheaper insurance rates for your vehicle, click here to get quotes or visit any of the companies below.
It’s important to note that these prices are averaged for all insureds and vehicles and and are not calculated with a specific location for government employees. So the company that fits your age and vehicle best may not even be in the top 28 companies in the list above. That illustrates why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
The car, truck, or SUV that is being insured is probably the most important factor when comparison shopping for the best insurance for government employees. Vehicles with high performance features, a lack of modern safety features, or high incidents of liability claims will cost significantly more to insure than safer models. The information below shows car insurance costs for the most affordable vehicles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,483 |
| Hyundai Elantra GLS Touring Station Wagon | $1,629 |
| Ford Edge SE 2WD | $1,635 |
| Ford Explorer Eddie Bauer 2WD | $1,662 |
| Ford Escape XLT 4WD | $1,719 |
| Chevrolet Impala LT | $1,758 |
| Toyota RAV4 Sport 4WD | $1,767 |
| Chevrolet Equinox LT AWD | $1,758 |
| Dodge Grand Caravan SE | $1,818 |
| Toyota Tacoma 4WD | $1,828 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,846 |
| Honda Odyssey EX-L | $1,851 |
| Toyota Corolla LE | $1,859 |
| Toyota Camry XLE | $1,851 |
| Toyota Prius | $1,857 |
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in specific Mesa, AZ garaging location which can change coverage rates greatly.
By looking at the data, we can tell that makes and models like the Honda CR-V, Hyundai Elantra, Ford Edge, Ford Explorer, and Ford Escape are going to be a few of the cheaper vehicles to insure for state and federal workers.
One of the many criteria that determine auto insurance rates is where you keep your car in Mesa. Areas with a lot of weather claims or more people will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The following table shows the highest-priced places in Arizona for government employees to buy an auto insurance policy in. Mesa shows up at #6 with a yearly cost of $1,147 on average, which is around $96 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | Avondale | $1,210 |
| 3 | Glendale | $1,190 |
| 4 | Tempe | $1,152 |
| 5 | San Tan Valley | $1,150 |
| 6 | Mesa | $1,147 |
| 7 | Peoria | $1,137 |
| 8 | Goodyear | $1,131 |
| 9 | Scottsdale | $1,129 |
| 10 | Buckeye | $1,122 |
| 11 | Gilbert | $1,120 |
| 12 | Tucson | $1,094 |
| 13 | Chandler | $1,093 |
| 14 | Casa Grande | $1,079 |
| 15 | Maricopa | $1,074 |
| 16 | Catalina Foothills | $1,072 |
| 17 | Casas Adobes | $1,072 |
| 18 | Surprise | $1,058 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $983 |
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Rate information is comparative as the specific zip code location can increase or decrease auto insurance rates greatly.
Rate increases following a ticket or accident
In a perfect world, the ideal way to enjoy low car insurance rates for state and federal workers is to drive cautiously and avoid at-fault accidents and violations. The chart below highlights how speeding tickets and at-fault accidents can drive up auto insurance costs for different age groups. The premium estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,263. Get one speeding ticket and the average cost surges to $1,425, an increase of $163 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for government employees increases to an average of $2,946. That’s an increase of $1,683, or $140 per month, just for a couple of infractions!
Discounts on Mesa auto insurance
Insurance providers that offer quotes for government employees may have premium discounts that can reduce rates by 30% or more if you can meet the requirements. Popular car insurance companies and their possible discounts are included below.
- Farm Bureau offers discounts including youthful driver, driver training, good student, safe driver, renewal discount, and multi-policy.
- Liberty Mutual may offer discounts for hybrid vehicle, multi-policy, teen driver discount, exclusive group savings, multi-car, new graduate, and newly retired.
- State Farm has savings for safe vehicle, anti-theft, accident-free, driver’s education, Drive Safe & Save, and passive restraint.
- Auto-Owners Insurance policyholders can earn discounts including safe driver, teen driver, mature driver, company car, anti-lock brakes, and multi-policy.
- GEICO offers premium reductions for multi-vehicle, anti-theft, five-year accident-free, air bags, federal employee, and defensive driver.
- SAFECO includes discounts for teen safe driver, teen safety rewards, anti-theft, drive less, accident prevention training, and anti-lock brakes.
The example below shows the comparison of car insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, accident-free, vehicle safety, marriage, multiple vehicle, and claim-free discounts applied. When discounts are factored in, the average savings per year on car insurance for government employees is 28% or $528.
The information below highlights how deductible selection can influence premium costs when researching cheap insurance for government employees. The costs are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
A 50-year-old driver could lower their policy premium by $210 a year by switching from a $100 deductible to a $500 deductible, or save $316 by choosing a $1,000 deductible. Younger drivers, like the Age 20 chart data, could roll back prices $694 or even more by using a higher deductible. When raising deductibles, it is a good idea to have enough savings to offset the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
The importance of comparing Mesa car insurance rates
Arizona car insurance rates are impacted by many factors which can significantly increase or decrease the cost of coverage. Simply improving your credit, buying a different home, or getting a reckless driving citation can produce rate changes that can make some companies much cheaper than others. And not only may your rating factors change, but auto insurance companies change the rates they charge in Arizona at least once a year to help ensure profitability. An extended period of higher than normal claims can cause additional premium costs, while lower claims may produce lower-priced Mesa car insurance rates.
For instance, the graph below shows the companies that have the cheapest car insurance in Mesa, AZ for a 45-year-old female driver with no violations or accidents, and excellent credit. When comparing rates based on her personal risk profile, The Hartford may offer the best car insurance rates in Mesa at $1,126 a year. This is $302 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remainder of the cheapest Mesa, AZ auto insurance companies.
Now let’s give the driver from the first set of rates a claim, a lower credit score, and a couple of points charged on her driving record. Since each insurance company has their own unique process to determine rates, comparing insurance quotes could now result in a significantly different list of companies as shown below.
GEICO now has the lowest price on auto insurance in Mesa with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual also being competitive. This example shows why Arizona drivers need to spend some time comparing rates to get the best insurance rates for government employees. Insurance rates are influenced by many factors and can change substantially, so the lowest-price company the last time you shopped around may now be wasting a lot of money.