Mesa, AZ Car Insurance – Cheapest Cars, Trucks, SUVs to Insure in 2023

• Average car insurance cost in Mesa is $1,752 per year, or around $146 per month.
• Monthly car insurance rates for a few popular vehicles in Mesa include the Mazda CX-5 at $115, Chevrolet Equinox at $131, and Ram Truck at $160.
• Small SUV models like the Subaru Crosstrek, Chevrolet Trailblazer, Nissan Kicks, and Buick Envision are the top picks for having cheap car insurance in Mesa.

How much does car insurance cost in Mesa, Arizona?

Average auto insurance cost in Mesa is $1,752 per year, which is 1.4% more than the U.S. overall average rate of $1,728. Average car insurance cost per month in Mesa is $146 for a full-coverage car insurance policy.

In the state of Arizona, the average car insurance expense is $1,656 per year, so the average cost in Mesa is $96 more per year. When compared to other cities in Arizona, the cost to insure a vehicle in Mesa is about $60 per year more than in Tucson, $42 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 2023 model year vehicles including luxury and performance vehicles.

Average car insurance rates in the chart range from $1,454 per year for a 40-year-old driver that qualifies for many policy discounts to $3,976 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 $121 to $331.

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 – $6,268 per year or $522 per month
• 17-year-old rated driver – $5,866 per year or $489 per month
• 18-year-old rated driver – $5,480 per year or $457 per month
• 19-year-old rated driver – $4,958 per year or $413 per month
• 20-year-old rated driver – $3,484 per year or $290 per month
• 30-year-old rated driver – $1,846 per year or $154 per month
• 40-year-old rated driver – $1,752 per year or $146 per month
• 50-year-old rated driver – $1,592 per year or $133 per month
• 60-year-old rated driver – $1,566 per year or $131 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.

Car insurance for a 16-year-old female in Mesa costs an average of $748 less per year than the cost for a male driver, while at age 19, it’s still $548 cheaper per year for females than males.

The cost to insure Mesa drivers’ favorite cars, trucks, and SUVs

The previously discussed car insurance rates are an average for all 2023 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.

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 $4,410 to $6,268 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 $912 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 $1,638 less per year than a 20-year-old driver, $1,846 compared to $3,484.
• Car insurance costs less as you get older – Average auto insurance rates for a 50-year-old driver in Mesa are $1,892 per year cheaper than for a 20-year-old driver.
• Average cost per month ranges from $131 to $522 – 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 – $1,752 (Mesa average) versus $1,656 (Arizona average)
• Mesa, Arizona, car insurance costs more than the U.S. average – $1,752 (Mesa average) compared to $1,728 (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 Nissan Kicks, Chevrolet Trailblazer, Buick Envision, and Nissan Rogue Sport. Average insurance quotes for those crossover SUVs cost $117 or less per month for full coverage car insurance.

A few other models that rank well in the cost comparison table are the Ford Edge, Subaru Impreza, Acura RDX, and Subaru Forester.

Insurance is somewhat higher for those models than the compact SUVs that rank at the top, but they still have an average cost of $1,484 or less per year, or around $124 per month.

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

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, Toyota Corolla, Subaru Impreza, Volkswagen Jetta, and Subaru Legacy. Auto insurance rates for these vehicles average $1,642 or less per year.

Also ranking in the top 10 are models like the Mazda 3, Toyota Prius, Toyota Camry, and Kia K5, with average cost of $1,690 per year or less.

From a cost per month standpoint, car insurance on this segment in Mesa for the average driver will start around $121 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 Subaru Impreza at $1,446 per year and ending with the Volkswagen Arteon at $1,836 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 Chevrolet Trailblazer, Subaru Crosstrek, Nissan Kicks, Nissan Rogue Sport, and Honda Passport. Car insurance rates for these 2023 models average $1,364 or less per year.

Other models that have cheaper rates are the Subaru Ascent, Kia Seltos, Buick Envision, and Mazda CX-5, with average insurance cost of $1,424 per year or less.

Ranked from 10th to 20th place, SUVs like the Subaru Forester, Honda HR-V, Chevrolet Trax, Hyundai Venue, and Hyundai Kona average between $1,424 and $1,504 per year for auto insurance.

On a monthly basis, car insurance rates in Mesa on this segment for a good driver starts at around $110 per month, depending on your location.

The most affordable non-luxury compact SUV to insure in Mesa is the Chevrolet Trailblazer at $1,324 per year. For midsize models, the Honda Passport has the cheapest rates at $1,360 per year. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $1,640 per year.

The next table ranks the SUVs with the cheapest average car insurance rates in Mesa, starting with the Chevrolet Trailblazer at $1,324 per year and ending with the Chevrolet Trax at $1,504 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 $1,618 per year, the Audi TT at $1,814 per year, and the Ford Mustang at $1,900 per year.

Not the cheapest sports cars to insure, but still very reasonable, are models like the BMW M2, Subaru BRZ, Toyota GR Supra, and Nissan Z, with average insurance cost of $2,110 per year or less.

Auto insurance rates in Mesa for this segment for an average middle-age driver will start around $135 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 $1,618 per year ($135 per month) and ending with the Lexus LC 500 at $2,632 per year ($219 per month).

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 Ford Maverick at $1,452 per year, Chevrolet Colorado at $1,456 per year, Nissan Frontier at $1,512 per year, and Ford Ranger at $1,554 per year.

Not the cheapest pickups to insure, but still very reasonable, are trucks like the Hyundai Santa Cruz, Toyota Tacoma, Ford F150, and Nissan Titan, with average insurance cost of $1,778 per year or less.

On a monthly basis, full-coverage insurance in this segment for a safe driver starts at around $121 per month, depending on where you live. The next table ranks the twenty pickups with the cheapest auto insurance rates in Mesa.

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 $1,572 per year, BMW 330i at $1,778 per year, Acura TLX at $1,806 per year, and Cadillac CT4 at $1,828 per year.

Rounding out the top 10 are models like the BMW 330e, Lexus ES 350, Cadillac CT5, and BMW 228i, with an average cost to insure of $1,904 per year or less.

Car insurance for this segment in Mesa for a good driver will start around $131 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 $1,572 per year. For midsize 2023 models, the Cadillac CT5 has the best rates at $1,884 per year. And for full-size luxury cars, the Audi A5 has the most affordable rates at $1,962 per year.

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

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 $1,460 per year, the Lexus RX 350 at $1,568 per year, and the Cadillac XT4 at $1,578 per year.

Other luxury SUVs that have affordable average insurance rates include the Mercedes-Benz GLA250, Cadillac XT5, Cadillac XT6, and Mercedes-Benz GLB 250, with average cost of $1,704 per year or less.

Additional models on the list include the Lincoln Corsair, Lexus NX 250, Lexus NX 450h, Lexus NX 350, and BMW X1, which average between $1,704 and $1,782 per year to insure.

Full-coverage car insurance in Mesa for this segment can cost as low as $122 per month, depending on where you live.

The most budget-friendly small luxury SUV to insure in Mesa is the Acura RDX at $1,460 per year. For midsize 2023 models, the Lexus RX 350 is cheapest to insure at $1,568 per year. And for large luxury SUVs, the Volvo XC90 has the most affordable rates at $1,806 per year.

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

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 $2,450 per year for a 20-year-old driver and as much as $562 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 $275 per year versus a rating of 670-739. Conversely, a weak credit score could cost as much as $319 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 $458 per year. Major misdemeanor violations such as a DWI could raise rates by an additional $1,610 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 $490 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 $298 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 $284 per year for a 40-year-old driver and $552 per year for a 20-year-old driver.