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Last updated: October 27, 2025Best Cheap Car Insurance in Mesa
Travelers offers the cheapest full coverage auto insurance in Mesa, Arizona, with an average rate of $1,553 per year. USAA has the cheapest minimum coverage, at $426 per year, on average.
Best Value
Editor's Rating:4.8/5
Average Cost in Mesa
- Full Coverage Monthly: $160
- Minimum Coverage Monthly: $72
Best for Military/Veterans
Editor's Rating:5/5
Average Cost in Mesa
- Full Coverage Monthly: $146
- Minimum Coverage Monthly: $35
Best for Local Agents
Editor's Rating:4.9/5
Average Cost in Mesa
- Full Coverage Monthly: $173
- Minimum Coverage Monthly: $62
Key Takeaways
- Travelers has the cheapest average rate for full coverage auto insurance in Mesa, Arizona, and USAA offers the cheapest average rates for minimum coverage. Nationwide combines high customer satisfaction with lower-than-average rates.
- On average, full coverage auto insurance costs $2,233 annually in Mesa, and minimum coverage averages $721.
- Full coverage auto insurance in Mesa costs 7 percent less than the state average of $2,398. Minimum coverage in Mesa costs 11 percent less than the state average of $814.
Our Top Picks for the Best Cheap Auto Insurance in Mesa
- Best Balance of Price and Service: Nationwide
- Best for Military and Veterans: USAA
- Best for Local Agents: State Farm
- Cheapest for Full Coverage: Travelers
- Cheapest for Minimum Coverage: Auto-Owners
Compare the Best Cheap Auto Insurance in Mesa
| Company | Full coverage annual average | Minimum coverage annual average | Southwest customer satisfaction (J.D. Power) |
|---|---|---|---|
| Nationwide | $1,924 | $864 | Above average |
| USAA | $1,753 | $426 | Above average* |
| State Farm | $2,081 | $741 | Above average |
| Travelers | $1,553 | $578 | Below average |
| Auto-Owners | $1,722 | $535 | Below average |
| Mesa | $2,233 | $721 | – |
*Due to its eligibility restrictions, USAA technically doesn’t qualify for the J.D. Power studies.
Detailed List of the Best Cheap Providers in Mesa
1. Best Balance of Price and Service - Nationwide
What We Like Most:
- #2 in the Southwest according to J.D. Power
- Competitive rates for customers with low credit
- Cheaper-than-average rates after an at-fault accident
Why we chose it
While Nationwide doesn’t offer the absolute cheapest rates in Mesa, its full coverage average premiums are lower than average. The company ranked second in J.D. Power’s study for overall customer satisfaction in the Southwest region and fourth in J.D. Power’s study for claims satisfaction nationally. In addition to strong satisfaction ratings, Nationwide offers helpful coverage add-ons like gap insurance, an excellent telematics discount, and a pay-per-mile option for low mileage drivers.
Who it’s best for
Nationwide is a good choice for drivers who plan to purchase full coverage, as its minimum coverage rates are higher than average. It also has some of the lowest average rates for Arizona drivers with a speeding ticket, at-fault accident, or poor credit. If you’re a safe driver, Nationwide offers several ways to save through a range of auto insurance discounts and programs. For example, the company’s SmartRide telematics program tracks your driving habits and calculates a personalized discount (up to 40 percent) based on how safely you drive.
Nationwide Mesa Pricing
| Nationwide | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $160 | $72 |
| Annually | $1,924 | $864 |
| Difference from Mesa average | -14% | +20% |
2. Best for Military and Veterans - USAA
What We Like Most:
- Exceptional customer service
- Consistently low rates
- Deployment discounts
Why we chose it
USAA caters exclusively to the military community (including veterans) and their families. It’s known for cheap rates and exceptional customer service. Although USAA’s eligibility requirements technically mean it does not qualify for J.D. Power’s customer and claims satisfaction studies, it scored 84 points above average in the Southwest region for customer satisfaction and 29 points above average in the United States for claims satisfaction.
Who it’s best for
USAA is an excellent choice for military-affiliated drivers. USAA designs its policies with the needs of military families in mind. One standout benefit is up to 60 percent off for military members who store their vehicles during deployment. It is available only to military members, veterans, and their spouses and children.
USAA Mesa Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $146 | $36 |
| Annually | $1,753 | $426 |
| Difference from Mesa average | -21% | -41% |
3. Best for Local Agents - State Farm
What We Like Most:
- Local Mesa agents
- Highly rated for overall customer satisfaction
- Extensive discounts
Why we chose it
State Farm is a solid choice for Mesa drivers, offering drivers with clean records lower-than-average rates for full coverage. It’s not the cheapest option around, but it holds a strong reputation for claims satisfaction and one-on-one customer service. It ranked third in J.D. Power’s study for overall customer satisfaction in the Southwest region, scoring 12 points above average.
Who it’s best for
State Farm is a great choice for drivers who don’t mind paying a bit more for personalized customer service from a local Mesa agent. State Farm also offers discounts for bundling and insuring multiple vehicles, so if you’re looking to keep all of your insurance under one roof, it’s worth looking into State Farm.
>>COMPARE: Dive deeper with our side-by-side look at USAA vs. State Farm
State Farm Mesa Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $173 | $62 |
| Annually | $2,081 | $741 |
| Difference from Mesa average | -7% | +3% |
4. Cheapest for Full Coverage - Travelers
What We Like Most:
- Cheapest full coverage rates in Mesa
- Good for teens
- Cheapest for higher-risk drivers in Arizona
Why we chose it
Travelers has the lowest average rates for full coverage in Mesa, at $1,553 annually. Although Travelers scored below average on J.D. Power’s customer satisfaction study for the Southwest region and for claims satisfaction nationally, it consistently has some of the cheapest rates in Arizona. In addition to affordable rates for drivers with clean records, the company has the lowest average rates in Arizona for drivers with a speeding ticket, DUI, or at-fault accident. It also boasts competitive rates for households with teen drivers, as well as customizable policy options, like gap insurance in Arizona.
Who it’s best for
Travelers is a good option for Mesa drivers looking for the absolute lowest rates, in particular those with less-than-perfect driving records. It’s likely not the best choice for drivers who prioritize a high level of customer service.
Travelers Mesa Pricing
| Travelers | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $129 | $48 |
| Annually | $1,553 | $578 |
| Difference from Mesa average | -31% | -20% |
5. Cheapest for Minimum Coverage - Auto-Owners
Why we chose it
After USAA, Auto-Owners has the cheapest rates in Arizona for minimum coverage (along with GEICO). It also has some of the cheapest rates for full coverage in the city. Auto-Owners received a solid grade of B on the CRASH Network Insurer Report, a national survey of collision repair shops on insurers’ claims practices.
Who it’s best for
Auto-Owners sells policies exclusively through independent agents, so it’s a good choice for drivers who value that personalized service and the opportunity to compare policies with other providers.
Auto-Owners Mesa Pricing
| Auto-Owners | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $143 | $45 |
| Annually | $1,722 | $535 |
| Difference from Mesa average | -23% | -26% |
Mesa Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southwest1 | CRASH Network Insurer Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| Nationwide | 661 | C | 728 | 2.78 |
| USAA | 720* | D+ | 726* | 2.74 |
| State Farm | 648 | C- | 710 | 2.16 |
| Travelers | 626 | C | 684 | 1.99 |
| Auto-Owners | 634 | B | 692 | 0.93 |
| Average | 636 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better |
*Due to its eligibility restrictions, USAA technically doesn’t qualify for the J.D. Power studies.
Cheapest Full Coverage Car Insurance in Mesa
Travelers has the cheapest full coverage car insurance in Mesa, at $1,553 annually, on average. GEICO, Auto-Owners and USAA also have lower-than-average rates.
TIP:
Every company has strengths and weaknesses, so it’s savvy to compare them side by side. Look for the company that best fits your driving habits and provides discounts that match your unique profile. Know yourself as a customer. Do you care most about keeping premiums as low as possible, or do you place greater value on personalized, attentive customer service?
| Company | Annual Mesa average | Monthly Mesa average |
|---|---|---|
| Travelers | $1,553 | $129 |
| GEICO | $1,614 | $135 |
| Auto-Owners | $1,722 | $144 |
| USAA | $1,753 | $146 |
| Nationwide | $1,924 | $160 |
| Progressive | $1,927 | $161 |
| State Farm | $2,081 | $173 |
| Allstate | $2,641 | $220 |
| Mesa average | $2,233 | $186 |
| Arizona average | $2,398 | $200 |
| U.S. average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Mesa
USAA has the cheapest average rates for minimum coverage auto insurance in Mesa, at $426 per year. USAA is available only to military members, veterans and their family members, so if you do not qualify, check out Auto-Owners, GEICO and Travelers for competitive rates.
| Company | Annual Mesa average | Monthly Mesa average |
|---|---|---|
| USAA | $426 | $36 |
| Auto-Owners | $535 | $45 |
| GEICO | $540 | $45 |
| Travelers | $578 | $48 |
| Allstate | $659 | $55 |
| State Farm | $741 | $62 |
| Progressive | $813 | $68 |
| Nationwide | $864 | $72 |
| Mesa average | $721 | $60 |
| Arizona average | $814 | $68 |
| U.S. average | $635 | $53 |
How Many Car Accidents Happen in Mesa?
In 2024, there were 34 fatal crashes in Mesa — a decrease from 41 in 2023 and 43 in 2022. 2024 also saw 175 serious injury crashes, with over 90 percent occurring on arterial streets. The lead contributing factors were angle, left turns, failure to yield, and speeding.
As of June 2025, Mesa had reported 19 fatal crashes. Of these, nine motorcyclists and two pedestrians were killed. Impairment was cited as a factor in five of these crashes.
These are some of the city’s highest-risk intersections:
- University Drive and Ellsworth Road
- Stapley Drive and Southern Avenue
- Power Road and McDowell Road5
Minimum Auto Insurance Requirements in Arizona
These are the minimum coverage limits for car insurance in Arizona:
- $25,000 for one person sustaining bodily injury or death in an accident
- $50,000 for two or more persons sustaining bodily injury or death in an accident
- $15,000 for damage to others’ property6
Frequently Asked Questions
Who offers the cheapest car insurance in Arizona?
In Arizona, Travelers offers the cheapest average rates for full coverage car insurance, at $1,520 annually. USAA has the cheapest average rates for minimum coverage, at $592 per year.
How much is car insurance in Mesa, Arizona?
Full coverage auto insurance in Mesa runs $2,233 annually, on average, which is about 7 percent less than the state average of $2,398. Minimum coverage averages $721 annually in Mesa, which is about 11 percent less than the state average of $814.
Why do rates vary across Mesa ZIP codes like 85210 and 85215?
Auto insurance rates vary due to differences in property values, demographics, and local risk factors. In areas like Mesa’s 85210 ZIP code, lower property prices and tax bills mean, in the eyes of an insurer, lower risk and lower repair costs in the event of a claim payout. This results in lower premiums. Conversely, in 85215, higher property values and taxes signal higher-value homes and vehicles, which raise the payouts for claims and lead to higher insurance premiums.
Which companies have the best J.D. Power satisfaction scores in Mesa?
On J.D. Power’s 2025 U.S. Auto Insurance Study, CSAA Insurance Group (AAA) ranked first for overall customer satisfaction in the Southwest, with a score of 676 out of 1,000. That’s 40 points higher than the regional average. Nationwide and State Farm followed closely, with scores of 661 and 648, respectively. It’s also worth noting that USAA earned the highest score overall, at 720. But because it is available only to military members, veterans and their family members, USAA is technically ineligible for the official rankings.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Mesa, Arizona, for good drivers with good credit. Full coverage averages use the following limits:
- $100,000 for bodily injury per person
- $300,000 for bodily injury per accident
- $100,000 for property damage/accident
- Claims handling (25%): A good claims handling process from an auto insurer is prompt, transparent and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and the J.D. Power Auto Claims Satisfaction Study, and financial strength from sources like AM Best and S&P. Real-life customer experiences are included when available.
- Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC Complaint Index, Better Business Bureau ratings, and app store reviews.
- Coverage options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap insurance and rideshare coverage.
Read more about our ratings and methodology.
Staff Writer
Tracy S. Lee holds over 10 years of professional experience in writing, research, and storytelling for brands and individuals. She understands that the world of auto insurance can feel intimidating, like learning a new language, and she is committed to empowering consumers to ask more questions and to find the best protection and coverage to suit their specific needs. Tracy received a B.A. in Creative Writing at NYU’s Gallatin School of Individualized Studies.
Sources
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmCity of Mesa Crashes. Mesa AZ Transportation. (2025, July 15).
https://apps.mesaaz.gov/meetingarchive/ArchiveDocuments/Documents/%7B6E1BA77E-66AF-4C78-A107-7957DFE18FEE%7D_0.pdf?utm_source=chatgpt.comMinimum Coverage Limit Effective July 1, 2020. Arizona Department of Insurance & Financial Institutions. (2025).
https://difi.az.gov/consumer/i/auto/minimum-coverage
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