Mesa, AZ Car Insurance – Cheapest Cars, Trucks, SUVs to Insure in 2025

What vehicles have the cheapest car insurance in Mesa, Arizona? We break down average auto insurance rates plus reveal the cars, pickup trucks, and SUVs that have low-cost auto insurance.

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How much does car insurance cost in Mesa, Arizona?

Average auto insurance cost in Mesa is $2,466 per year, which is 8% more than the U.S. overall average rate of $2,276. Average car insurance cost per month in Mesa is $206 for a full-coverage car insurance policy.

In the state of Arizona, the average car insurance expense is $2,376 per year, so the average cost in Mesa is $90 more per year. When compared to other cities in Arizona, the cost to insure a vehicle in Mesa is about $56 per year more than in Tucson, $36 per year more expensive than in Chandler, and $224 per year less than in Phoenix.

The next chart shows examples of average Mesa auto insurance cost broken out for a number of different driver ages, policy deductibles, and risk profiles. Rates are averaged for all 2024 model year vehicles including luxury and performance vehicles.

Average car insurance rates in Mesa for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Mesa for different driver ages and risk scenarios. Rates updated on October 24, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Mesa includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Mesa, AZ
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,674$473
Safe Driver Age 20$4,966$414
At-fault Accidents Age 40$3,494$291
Low Deductibles Age 40$3,228$269
Safe Driver Age 30$2,632$219
Safe Driver Age 40$2,466$206
Safe Driver Age 50$2,188$182
High Deductibles Age 40$2,074$173
Discount Rate Age 40$2,052$171
Safe Driver Age 60$2,048$171

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated October 24, 2025

Average car insurance rates in the chart range from $2,052 per year for a 40-year-old driver that qualifies for many policy discounts to $5,674 per year for a 30-year-old driver with a history of violations and/or at-fault accidents.

When these rates are converted to a cost per month, the average cost of car insurance per month in Mesa ranges from $171 to $473.

Mesa car insurance rates are extremely variable and can also be significantly different between companies. The likelihood of significant rate variability stresses the need to get multiple auto insurance quotes when shopping online for the cheapest car insurance policy.

Driver age significantly impacts the price you pay for auto insurance. The list below details how age impacts cost by showing the difference in average car insurance rates in Mesa for drivers from age 16 to 60.

Mesa, AZ, car insurance cost for drivers age 16 to 60

  • 16-year-old rated driver – $8,789 per year or $732 per month
  • 17-year-old rated driver – $8,515 per year or $710 per month
  • 18-year-old rated driver – $7,631 per year or $636 per month
  • 19-year-old rated driver – $6,949 per year or $579 per month
  • 20-year-old rated driver – $4,966 per year or $414 per month
  • 30-year-old rated driver – $2,632 per year or $219 per month
  • 40-year-old rated driver – $2,466 per year or $206 per month
  • 50-year-old rated driver – $2,188 per year or $182 per month
  • 60-year-old rated driver – $2,048 per year or $171 per month

The rates above that detailed the cost to insure teen drivers were based on the driver being male. The chart below goes into more detail regarding the cost of insuring teen drivers and breaks out average teen driver car insurance rates by gender. Female drivers tend to have slightly cheaper auto insurance rates, especially at younger ages.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on October 24, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Mesa includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Mesa, AZ for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$8,789$8,210
17-Year-Old$8,515$8,159
18-Year-Old$7,631$7,040
19-Year-Old$6,949$5,876

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated October 24, 2025

Car insurance for a 16-year-old female in Mesa costs an average of $579 less per year than the cost for a male driver, while at age 19, it’s still $1,073 cheaper per year for females than males.

The previously discussed car insurance rates are an average for all 2024 vehicle models, which is suitable for making broad comparisons like the average cost difference for different locations or driver risk profiles.

But for more useful price comparisons, the data will be better if we instead look at the exact vehicle being insured. Later on in this article, we explore all kinds of rates for specific models, but for now, a few of the most popular models will be used to see how car insurance rates size up in Mesa.

The following chart shows average insurance cost in Mesa for some of the more popular cars, trucks, and SUVs.

Average cost to insure popular 2024 model year vehicles in Mesa.
Figure 3: Average cost to insure popular 2024 model year vehicles in Mesa. Rates updated on October 24, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Mesa Zip Codes.

Mesa, Arizona Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,824$152
Honda CR-V$2,104$175
Honda HR-V$2,148$179
Honda Civic$2,186$182
Nissan Rogue$2,218$185
Toyota Highlander$2,244$187
Chevrolet Equinox$2,272$189
Toyota RAV4$2,276$190
Honda Accord$2,382$199
Toyota 4Runner$2,642$220
Toyota Camry$2,650$221
Chevrolet Silverado$2,730$228
Ford F150$2,760$230
Ram Truck$2,854$238

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Mesa, AZ Zip Codes. Updated October 24, 2025

The vehicles that are popular in Mesa tend to be compact and midsize cars like the Honda Civic, Nissan Sentra, and Honda Accord and small or midsize SUVs like the Nissan Rogue and Toyota Highlander.

Other popular models from other segments include luxury SUVs like the Cadillac XT5, BMW X5, and Infiniti QX60, luxury cars like the BMW 530i, Lexus ES 350, and Infiniti Q50, and pickup trucks like the Ford Ranger, Ram 1500, and Toyota Tacoma.

We get into rates for lots more vehicles a little farther down this article, but before we get into that, let’s look at some of the concepts that were presented up to this point.

  • Insurance for teenagers can cost a lot – Cost ranges from $5,876 to $8,789 per year for insurance on a teen driver in Mesa, Arizona.
  • A low deductible policy costs more – A 20-year-old driver pays an average of $1,326 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
  • Car insurance rates decline a lot between ages 20 and 30 – The average 30-year-old Mesa driver will pay $2,334 less per year than a 20-year-old driver, $2,632 compared to $4,966.
  • Car insurance costs less as you get older – Average auto insurance rates for a 50-year-old driver in Mesa are $2,778 per year cheaper than for a 20-year-old driver.
  • Average cost per month ranges from $171 to $732 – That’s the average car insurance price range for drivers from age 16 to 60 in Mesa, AZ.
  • Mesa car insurance prices are more expensive than the Arizona state average – $2,466 (Mesa average) versus $2,376 (Arizona average)
  • Mesa, Arizona, car insurance costs more than the U.S. average – $2,466 (Mesa average) compared to $2,276 (U.S. average)

In Mesa, which vehicles are cheapest to insure?

The vehicles with the best car insurance quotes in Mesa, AZ, tend to be small SUVs and crossovers like the Kia Soul, Subaru Crosstrek, Hyundai Venue, and Nissan Kicks. Average insurance quotes for those crossover SUVs cost $167 or less per month for full coverage car insurance.

A few other models that rank well in the cost comparison table are the Kia Niro, Acura RDX, Honda CR-V, and Volkswagen Taos.

Insurance is somewhat higher for those models than the compact SUVs that rank at the top, but they still have an average cost of $2,144 or less per year, or around $179 per month.

The table below details the 30 models with the cheapest car insurance in Mesa, ordered by annual cost.

Top 30 Cheapest Auto Insurance Rates in Mesa, AZ
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,824$152
2Chevrolet Trailblazer$1,856$155
3Kia Soul$1,926$161
4Nissan Kicks$1,942$162
5Honda Passport$1,966$164
6Buick Envision$1,978$165
7Toyota Corolla Cross$1,988$166
8Hyundai Venue$2,006$167
9Mazda CX-5$2,012$168
10Ford Bronco Sport$2,022$169
11Volkswagen Tiguan$2,042$170
12Acura RDX$2,064$172
13Nissan Murano$2,074$173
14Buick Encore$2,096$175
15Subaru Outback$2,102$175
16Honda CR-V$2,104$175
17Buick Envista$2,110$176
18Volkswagen Taos$2,114$176
19Kia Niro$2,124$177
20Toyota GR Corolla$2,144$179
21Subaru Ascent$2,146$179
22Honda HR-V$2,148$179
23Nissan Leaf$2,162$180
24Chevrolet Colorado$2,174$181
25Lexus NX 250$2,184$182
26Honda Civic$2,186$182
27Volkswagen Atlas$2,190$183
28Acura Integra$2,194$183
29Subaru Forester$2,196$183
30Volkswagen Atlas Cross Sport$2,198$183

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Mesa, AZ Zip Codes. Updated October 24, 2025

Top 30 cheapest vehicles to insure in Mesa, AZ with the Subaru Crosstrek ranking first at $1,824 per year
Top 30 cheapest vehicles to insure in Mesa, AZ with the Subaru Crosstrek ranking first at $1,824 per year

The table above that contains 30 vehicles with the cheapest insurance in Mesa is fine if you just want the absolute lowest rates. A more efficient way to group and rank rates for more vehicle models is to sort them by vehicle segment. The six sections below list the vehicles with the cheapest insurance rates for each of the primary segments.

Cheapest car insurance rates in Mesa

Ranking in the top five for the most affordable Mesa car insurance rates in the car segment (excluding luxury models) are the Nissan Sentra, Subaru Impreza, Toyota GR Corolla, Nissan Leaf, and Honda Civic. Auto insurance rates for these vehicles average $2,268 or less per year.

Also ranking in the top 10 are models like the Chevrolet Malibu, Kia K5, Honda Accord, and Toyota Corolla, with average cost of $2,404 per year or less.

From a cost per month standpoint, car insurance on this segment in Mesa for the average driver will start around $179 per month, depending on where you live and the company you use. The next table ranks the twenty cars with the most affordable average auto insurance rates in Mesa, starting with the Toyota GR Corolla at $2,144 per year and ending with the Mazda 3 at $2,552 per year.

Cheapest Cars to Insure in Mesa, Arizona
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,144$179
Nissan LeafCompact$2,162$180
Honda CivicCompact$2,186$182
Nissan SentraCompact$2,262$189
Subaru ImprezaCompact$2,268$189
Toyota PriusCompact$2,306$192
Kia K5Midsize$2,378$198
Honda AccordMidsize$2,382$199
Chevrolet MalibuMidsize$2,394$200
Toyota CorollaCompact$2,404$200
Kia ForteCompact$2,410$201
Volkswagen ArteonMidsize$2,424$202
Nissan VersaCompact$2,430$203
Subaru LegacyMidsize$2,436$203
Hyundai Ioniq 6Midsize$2,454$205
Mitsubishi Mirage G4Compact$2,490$208
Toyota CrownMidsize$2,496$208
Volkswagen JettaCompact$2,496$208
Hyundai SonataMidsize$2,500$208
Mazda 3Compact$2,552$213

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Mesa, AZ Zip Codes. Updated October 24, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Mesa, AZ, with the Toyota GR Corolla ranking first at $2,144 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Mesa, AZ, with the Toyota GR Corolla ranking first at $2,144 per year.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Looking for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Arizona.

Cheapest SUV insurance rates in Mesa

Ranking highest for the most affordable Mesa car insurance rates in the SUV segment (excluding luxury models) are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Honda Passport, and Nissan Kicks. Car insurance rates for these 2024 models average $1,966 or less per year.

Other models that have cheaper rates are the Ford Bronco Sport, Mazda CX-5, Hyundai Venue, and Buick Envision, with average insurance cost of $2,022 per year or less.

Ranked from 10th to 20th place, SUVs like the Subaru Outback, Nissan Murano, Subaru Ascent, Volkswagen Tiguan, and Buick Encore average between $2,022 and $2,146 per year for auto insurance.

On a monthly basis, car insurance rates in Mesa on this segment for a good driver starts at around $152 per month, depending on your location.

The most affordable non-luxury compact SUV to insure in Mesa is the Subaru Crosstrek at $1,824 per year. For midsize models, the Honda Passport has the cheapest rates at $1,966 per year. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $2,318 per year.

The next table ranks the SUVs with the cheapest average car insurance rates in Mesa, starting with the Subaru Crosstrek at $1,824 per year and ending with the Subaru Ascent at $2,146 per year.

Cheapest SUVs to Insure in Mesa, Arizona
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,824$152
Chevrolet TrailblazerCompact$1,856$155
Kia SoulCompact$1,926$161
Nissan KicksCompact$1,942$162
Honda PassportMidsize$1,966$164
Buick EnvisionCompact$1,978$165
Toyota Corolla CrossCompact$1,988$166
Hyundai VenueCompact$2,006$167
Mazda CX-5Compact$2,012$168
Ford Bronco SportCompact$2,022$169
Volkswagen TiguanCompact$2,042$170
Nissan MuranoMidsize$2,074$173
Buick EncoreCompact$2,096$175
Subaru OutbackMidsize$2,102$175
Honda CR-VCompact$2,104$175
Buick EnvistaMidsize$2,110$176
Volkswagen TaosCompact$2,114$176
Kia NiroCompact$2,124$177
Subaru AscentMidsize$2,146$179
Honda HR-VCompact$2,148$179

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Mesa, AZ Zip Codes. Updated October 24, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Mesa, AZ, with the Subaru Crosstrek ranking first at $1,824 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Mesa, AZ, with the Subaru Crosstrek ranking first at $1,824 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see insurance cost for your SUV? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Arizona.

Cheapest sports cars to insure in Mesa, Arizona

The three top-ranked sports cars with the most affordable insurance rates in Mesa are the Mazda MX-5 Miata at $2,284 per year, the Toyota GR86 at $2,600 per year, and the Ford Mustang at $2,712 per year.

Not the cheapest sports cars to insure, but still very reasonable, are models like the Lexus RC F, Subaru BRZ, BMW M2, and Toyota GR Supra, with average insurance cost of $2,948 per year or less.

Auto insurance rates in Mesa for this segment for an average middle-age driver will start around $190 per month, depending on the company and your location.

The next table ranks the twenty sports cars with the cheapest insurance rates in Mesa, starting with the Mazda MX-5 Miata at $2,284 per year ($190 per month) and ending with the Porsche Taycan at $4,180 per year ($348 per month).

Cheapest Sports Cars to Insure in Mesa, Arizona
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,284$190
Toyota GR86Sports Car$2,600$217
Ford MustangSports Car$2,712$226
BMW Z4Sports Car$2,728$227
Subaru WRXSports Car$2,768$231
Toyota GR SupraSports Car$2,774$231
BMW M2Sports Car$2,852$238
Nissan ZSports Car$2,860$238
Lexus RC FSports Car$2,918$243
Subaru BRZSports Car$2,948$246
BMW M3Sports Car$3,118$260
Porsche 718Sports Car$3,178$265
Chevrolet CamaroSports Car$3,206$267
Chevrolet CorvetteSports Car$3,420$285
Porsche 911Sports Car$3,536$295
BMW M4Sports Car$3,682$307
Lexus LC 500Sports Car$3,700$308
Jaguar F-TypeSports Car$3,894$325
Mercedes-Benz AMG GT53Sports Car$4,086$341
Porsche TaycanSports Car$4,180$348

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Mesa, AZ Zip Codes. Updated October 24, 2025

Ranking of the cheapest sports cars to insure in Mesa, AZ, with the Mazda MX-5 Miata ranking first at $2,284 per year.
Ranking of the cheapest sports cars to insure in Mesa, AZ, with the Mazda MX-5 Miata ranking first at $2,284 per year.

Don’t see your sports car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Mesa.

Cheapest pickup trucks to insure in Mesa

The four lowest-cost pickups to insure in Mesa are the Chevrolet Colorado at $2,174 per year, Nissan Titan at $2,306 per year, Nissan Frontier at $2,334 per year, and Ford Ranger at $2,360 per year.

Not the cheapest pickups to insure, but still very reasonable, are trucks like the Hyundai Santa Cruz, Honda Ridgeline, GMC Canyon, and Toyota Tacoma, with average insurance cost of $2,538 per year or less.

On a monthly basis, full-coverage insurance in this segment for a safe driver starts at around $181 per month, depending on where you live. The next table ranks the twenty pickups with the cheapest auto insurance rates in Mesa.

Cheapest Pickups to Insure in Mesa, Arizona
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,174$181
Nissan TitanFull-size$2,306$192
Nissan FrontierMidsize$2,334$195
Ford RangerMidsize$2,360$197
Ford MaverickMidsize$2,392$199
Honda RidgelineMidsize$2,450$204
Hyundai Santa CruzMidsize$2,490$208
Toyota TacomaMidsize$2,500$208
GMC Sierra 2500 HDHeavy Duty$2,510$209
GMC CanyonMidsize$2,538$212
Jeep GladiatorMidsize$2,600$217
GMC Sierra 3500Heavy Duty$2,614$218
Chevrolet Silverado HD 3500Heavy Duty$2,638$220
Chevrolet Silverado HD 2500Heavy Duty$2,708$226
GMC SierraFull-size$2,726$227
Chevrolet SilveradoFull-size$2,730$228
Nissan Titan XDHeavy Duty$2,730$228
Ford F150Full-size$2,760$230
GMC Hummer EV PickupFull-size$2,832$236
Ram TruckFull-size$2,854$238

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Mesa, AZ Zip Codes. Updated October 24, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Mesa, AZ, with the Chevrolet Colorado ranking first at $2,174 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Mesa, AZ, with the Chevrolet Colorado ranking first at $2,174 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Don’t see rates for your pickup? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Mesa car insurance quotes from top-rated companies in Arizona.

Cheapest luxury car insurance rates in Mesa, AZ

The four highest ranking luxury car models with the most affordable insurance rates in Mesa are the Acura Integra at $2,194 per year, BMW 330i at $2,512 per year, Mercedes-Benz CLA250 at $2,540 per year, and Lexus IS 300 at $2,544 per year.

Rounding out the top 10 are models like the Genesis G70, Lexus ES 350, Cadillac CT4, and Lexus RC 300, with an average cost to insure of $2,594 per year or less.

Car insurance for this segment in Mesa for a good driver will start around $183 per month, depending on where you live.

When the luxury car segment is analyzed by vehicle size, the most budget-friendly compact luxury car to insure in Mesa is the Acura Integra at $2,194 per year. For midsize 2024 models, the Mercedes-Benz CLA250 has the best rates at $2,540 per year. And for full-size luxury cars, the Audi A5 has the most affordable rates at $2,932 per year.

The table below ranks the luxury cars with the cheapest auto insurance rates in Mesa.

Cheapest Luxury Cars to Insure in Mesa, Arizona
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,194$183
BMW 330iCompact$2,512$209
Mercedes-Benz CLA250Midsize$2,540$212
Lexus IS 300Midsize$2,544$212
Acura TLXCompact$2,554$213
Cadillac CT4Compact$2,576$215
Lexus ES 350Midsize$2,576$215
Genesis G70Compact$2,584$215
Mercedes-Benz AMG CLA35Midsize$2,586$216
Lexus RC 300Midsize$2,594$216
Lexus IS 350Compact$2,604$217
Jaguar XFMidsize$2,612$218
Cadillac CT5Midsize$2,660$222
Lexus ES 250Midsize$2,668$222
Lexus RC 350Compact$2,678$223
BMW 330eCompact$2,680$223
BMW 228iCompact$2,684$224
BMW 230iCompact$2,706$226
Lexus ES 300hMidsize$2,708$226
Audi S3Compact$2,766$231

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Mesa, AZ Zip Codes. Updated October 24, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Mesa, AZ, with the Acura Integra ranking first at $2,194 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Mesa, AZ, with the Acura Integra ranking first at $2,194 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Arizona.

Cheapest luxury SUV insurance rates in Mesa

The most affordable luxury SUV models to insure in Mesa are the Acura RDX at $2,064 per year, the Lexus NX 250 at $2,184 per year, and the Cadillac XT4 at $2,230 per year.

Other luxury SUVs that have affordable average insurance rates include the Mercedes-Benz GLB 250, Lincoln Corsair, Lexus UX 250h, and Lexus NX 450h, with average cost of $2,378 per year or less.

Additional models on the list include the Infiniti QX60, Infiniti QX50, Mercedes-Benz AMG GLB35, Mercedes-Benz GLA35 AMG, and Land Rover Evoque, which average between $2,378 and $2,476 per year to insure.

Full-coverage car insurance in Mesa for this segment can cost as low as $172 per month, depending on where you live.

The most budget-friendly small luxury SUV to insure in Mesa is the Acura RDX at $2,064 per year. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,308 per year. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,766 per year.

The comparison table below ranks the twenty luxury SUVs with the lowest-cost insurance rates in Mesa.

Cheapest Luxury SUVs to Insure in Mesa, Arizona
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,064$172
Lexus NX 250Compact$2,184$182
Cadillac XT4Compact$2,230$186
Jaguar E-PaceMidsize$2,308$192
Cadillac XT5Midsize$2,328$194
Lexus NX 350hCompact$2,328$194
Lincoln CorsairCompact$2,358$197
Mercedes-Benz GLB 250Compact$2,362$197
Lexus UX 250hCompact$2,366$197
Lexus NX 450hCompact$2,378$198
Infiniti QX50Midsize$2,398$200
Mercedes-Benz GLA250Compact$2,408$201
Cadillac XT6Midsize$2,414$201
Mercedes-Benz GLA35 AMGCompact$2,416$201
Infiniti QX60Midsize$2,428$202
Mercedes-Benz AMG GLB35Midsize$2,430$203
Land Rover EvoqueCompact$2,464$205
Acura MDXMidsize$2,466$206
Lexus NX 350Compact$2,474$206
Lexus RX 350Midsize$2,476$206

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Mesa, AZ Zip Codes. Updated October 24, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Mesa, AZ, with the Acura RDX ranking first at $2,064 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Mesa, AZ, with the Acura RDX ranking first at $2,064 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Mesa car insurance quotes from the best companies in Arizona.

Tips for getting cheaper Mesa car insurance quotes

Mesa drivers are always searching for ways to save money on auto insurance So scan the money-saving ideas in this next list and it’s very likely you can save some money the next time you buy a policy.

  • Be a safe driver and save on Mesa car insurance. Having a few at-fault accidents can really raise rates, potentially up to $3,526 per year for a 20-year-old driver and as much as $748 per year for a 50-year-old driver. So be a careful driver and save!
  • Bring up your credit score and save. Having an over-800 credit score could save up to $387 per year versus a rating of 670-739. Conversely, a weak credit score could cost as much as $449 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Obey driving laws to save money. If you want to get affordable car insurance in Mesa, it pays to follow the law. In fact, just a couple driving offenses could end up increasing insurance rates by at least $658 per year. Major misdemeanor violations such as a DWI could raise rates by an additional $2,296 or more.
  • Buy vehicles with more affordable insurance. The make and model of vehicle you drive is one of the biggest factors in the cost of insurance. As an example, a Hyundai Venue costs $750 less per year to insure in Mesa than a Nissan 370Z. Lower performance vehicles save money.
  • Save money by qualifying for discounts. Discounted rates may be available if the policyholders belong to certain professional organizations, drive low annual mileage, drive a vehicle with safety or anti-theft features, are accident-free, or many other discounts which could save the average Mesa driver as much as $414 per year.
  • Remove optional coverage on older vehicles. Dropping comprehensive and collision coverage from older vehicles will cut the cost of car insurance considerably.
  • Make your policy cheaper by raising deductibles. Increasing your policy deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.