Buying budget car insurance is tough enough, and determining which company has the best auto insurance rates for drivers under 25 will involve even more rate comparisons. Each insurance company uses slightly different criteria for determining prices, so first we will examine the auto insurance companies with the overall cheapest rates in Mesa, AZ.
Find the Best Cheap Insurance for Young Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $915 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,113 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,164 |
| 8 | Ameriprise Group | $1,172 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,323 |
| 13 | Farmers | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | State Farm | $1,364 |
| 16 | American Family | $1,463 |
| 17 | Titan | $1,476 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,567 |
| 20 | California Casualty | $1,568 |
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The Hartford offers some of the cheapest car insurance rates in Mesa at around $820 annually. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the best Mesa, AZ auto insurance companies.
As shown in the table above, if you currently have coverage with Travelers and switched to The Hartford, you could earn an annual savings of approximately $266. Arizona drivers with USAA might save as much as $293 a year, and GEICO customers might lower prices by $322 a year.
To see how much you can save, click here or visit several of the following companies.
These premium estimates are averages for all types of insureds and vehicles and are not factoring in an exact location for drivers under 25. So the insurer that has the lowest price for you may not even be in the top 28 companies in the list above. That is why you need to compare as many prices as possible using your own driver data and vehicle information.
One of the more important criteria that aid in calculating car insurance rates is where you normally keep your vehicle. Areas with a lot of weather claims or more people will most likely have higher rates, whereas areas with less congestion benefit from having to pay less for coverage.
The following table ranks the most expensive cities in Arizona for drivers under 25 to purchase auto insurance in. Mesa ranks #7 with an annual rate of $1,147 for coverage, which is around $96 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,190 |
| 4 | San Tan Valley | $1,185 |
| 5 | Tempe | $1,152 |
| 6 | Scottsdale | $1,151 |
| 7 | Mesa | $1,147 |
| 8 | Buckeye | $1,144 |
| 9 | Peoria | $1,137 |
| 10 | Goodyear | $1,131 |
| 11 | Chandler | $1,126 |
| 12 | Gilbert | $1,120 |
| 13 | Maricopa | $1,118 |
| 14 | Casa Grande | $1,089 |
| 15 | Catalina Foothills | $1,072 |
| 16 | Tucson | $1,072 |
| 17 | Surprise | $1,058 |
| 18 | Casas Adobes | $1,050 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $992 |
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Rates are comparative as the specific Mesa residence address can raise or lower coverage prices substantially.
Buying coverage from the top company is hard considering how many different companies sell coverage in Arizona. The ranking data listed below could help you analyze which car insurance providers you want to consider comparing rate quotes with. The rankings below are for companies who write in the majority of U.S. states, so companies that focus mainly on Arizona business are not included in the list.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Rate comparison of full coverage and liability-only
Reducing the cost of auto insurance is important to most people, and one easy way to pay less for insurance for drivers under 25 is to only pay for liability coverage. The example below illustrates the difference between yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The rate quotes are based on no tickets, no at-fault accidents, $500 deductibles, single status, and no additional discounts are factored in.
If averaged out across all ages, comp and collision coverage costs an extra $1,417 per year over having just liability coverage. That is a large expense and it proposes the question if it’s a good idea to buy full coverage. There is no clear-cut formula that is best for determining when to drop full coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
Why you are probably overpaying for car insurance
Mesa, AZ auto insurance rates are determined by lots of factors that can increase the cost of your policy. Getting older, increasing deductibles, or getting a reckless driving citation may cause policy rate changes resulting in some companies being cheaper than competitors. Not only that, but insurance companies file new rates multiple times each year in order to protect their financial rating. Higher than normal claims can result in higher priced premiums, while lower claim expenses may cause lower-priced Mesa car insurance rates.
To illustrate this point, the bar chart below shows which company has the cheapest car insurance in Mesa, AZ for a 35-year-old female driver with a good driving record, no prior claims, and excellent credit. If we estimate rates based on her current risk factors, The Hartford might quote the most affordable car insurance rates in Mesa at $1,114 annually. This is $314 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the rest of the most affordable Mesa, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example a claim surcharge, bad credit, and a traffic citation. Due to the fact that each insurance company uses a different method for setting prices, comparing insurance quotes most likely will result in a different set of companies as shown below.
GEICO now has the best price on car insurance in Mesa, AZ with CSAA, Ameriprise Group, Allied, and Safeco also having competitive pricing. This example illustrates why it is crucial to perform a complete rate comparison when trying to get the most budget-friendly car insurance quotes for drivers under 25. Insurance prices can be altered by many factors and change substantially, so the cheapest option when you last compared rates may now be quite expensive.