For a 40-year-old driver with a clean record, Mesa car insurance averages about $210 a month ($2,520 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Arizona average of $206 a month. GEICO and Progressive are effectively tied for the lowest full-coverage average of the three insurers we price, at about $169 and $172 a month.
Mesa is priced close to the Arizona average and about $42 a month below Phoenix for our benchmark driver. It costs a little more than the other East Valley cities we cover: Gilbert averages $206 a month, Chandler $203 and Scottsdale $198.
Our data covers 13 ZIP codes with a Mesa mailing address, from about $198 a month in 85215 to $221 in 85201.
Cost data comes from the auto rates insurers file with state regulators, priced across all 13 Mesa ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 30, 2026.
How Much Is Car Insurance in Mesa, AZ?
Full coverage in Mesa averages $2,520 a year, or about $210 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,024 a year ($85 a month), and 50/100/50 liability with comprehensive and collision averages $2,228 ($186 a month).
- Full coverage (100/300/100, $500 deductibles): $2,520 a year ($210 a month)
- 50/100/50 with $500 deductibles: $2,228 a year ($186 a month)
- Liability only (15/30/10): $1,024 a year ($85 a month)
- Maricopa County: $2,727 a year ($227 a month) for full coverage
- Arizona average: $2,466 a year ($206 a month) for full coverage
- ZIP code range: $198 (85215) to $221 (85201) a month for full coverage
Cheap Car Insurance in Mesa: Companies Compared
- Lowest averages in our data, full coverage: GEICO and Progressive, effectively tied at about $169 and $172 a month.
- Lowest liability-only average (15/30/10): Progressive, at about $69 a month, then GEICO at $75.
- State Farm (Nov. 2025 rates)*: about $237 a month for full coverage, the latest rates we have for it here.
- Estimated: Travelers at about $166 a month, USAA at $179, Auto-Owners at $195 and Nationwide at $223 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $289 a month, $1,445 a year more than GEICO for the same driver and car.
GEICO and Progressive are effectively tied for the lowest full-coverage average among the three insurers in our Mesa rate data. USAA, Travelers, Auto-Owners and Nationwide aren’t in the Quadrant rate data we analyze, so their rows in the table are estimates. The published 2026 statewide Arizona rate studies we reviewed most often rank Travelers cheapest for full coverage, apart from USAA, which sells only to military families; one puts Progressive first. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among the insurers we price, at about $69 a month, with GEICO close behind at $75.
Full-coverage averages by insurer in Mesa
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 15/30/10 (Yearly): | Minimum Liability 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $904 | $75 | $2,024 | $169 |
| Progressive | $828 | $69 | $2,068 | $172 |
| Allstate | $1,341 | $112 | $3,469 | $289 |
| State Farm (Nov. 2025 rates)* | $975 | $81 | $2,840 | $237 |
| Travelers* | $903 | $75 | $1,992 | $166 |
| USAA (military families)* | $839 | $70 | $2,153 | $179 |
| Auto-Owners* | $957 | $80 | $2,335 | $195 |
| Nationwide* | $1,904 | $159 | $2,677 | $223 |
| Mesa average | $1,024 | $85 | $2,520 | $210 |
This table uses Mesa ZIP codes only. See how we calculated these rates.
Mesa Car Insurance Rates by ZIP Code
Across the 13 Mesa ZIP codes we price, full coverage for our driver ranges from about $198 a month in 85215 to $221 in 85201, a gap of $270 a year. East Mesa ZIP codes such as 85207 and 85215 are the least expensive in our data, and west Mesa ZIP codes such as 85201, 85204 and 85210 are the most expensive.
Lowest-priced Mesa ZIP codes
Highest-priced Mesa ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Mesa’s average.
| ZIP Code: | Minimum Liability 15/30/10 (Yearly): | Minimum Liability 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 85201 | $1,084 | $90 | $2,648 | $221 | +5% |
| 85202 | $1,076 | $90 | $2,621 | $218 | +4% |
| 85203 | $1,049 | $87 | $2,560 | $213 | +1% |
| 85204 | $1,101 | $92 | $2,623 | $219 | +4% |
| 85205 | $989 | $82 | $2,477 | $206 | -2% |
| 85206 | $1,000 | $83 | $2,465 | $205 | -2% |
| 85207 | $956 | $80 | $2,426 | $202 | -4% |
| 85208 | $1,014 | $85 | $2,505 | $209 | About average |
| 85209 | $986 | $82 | $2,456 | $205 | -2% |
| 85210 | $1,092 | $91 | $2,629 | $219 | +4% |
| 85212 | $1,003 | $84 | $2,492 | $208 | -1% |
| 85213 | $1,016 | $85 | $2,484 | $207 | -1% |
| 85215 | $951 | $79 | $2,378 | $198 | -6% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Mesa?
Raising liability limits from 50/100/50 to 100/300/100 adds about $292 a year on average in our Mesa data, with the same $500 deductibles. That’s about $24 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Mesa?
Not for our benchmark driver. Comparing the same insurers in the same Mesa ZIP codes, full coverage averaged $2,632 a year in rates as of Nov. 30, 2025, and $2,520 as of Aug. 31, 2026, a 4.3% drop. Progressive cut its Mesa average 17.6%, while Allstate raised its average 3.2%; GEICO’s average was unchanged. State Farm isn’t in the August 2026 rates, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 0.1%, led by Progressive, which cut its liability-only average 7.2%.
What Shapes Car Insurance Costs in Mesa
Mesa is in Maricopa County, the most expensive of the 14 Arizona counties we price, at about $227 a month, but East Valley cities cost less than the county as a whole because central Phoenix and the West Valley raise the county average.
Nearby, Tempe averages about $209 a month, Apache Junction $205 and Queen Creek $205. Prices depend on where in Arizona you live, not just on your car and driving record.
How Mesa Car Insurance Compares With Other Arizona Cities
More Arizona cities and towns are in the Arizona rates by city table, and you can compare states on our car insurance rates by state page.
Gilbert, just south, averages $206 a month, and Chandler, about eight miles south, $203. Phoenix averages $252.
What Car Insurance Is Required in Mesa?
Drivers in Mesa follow Arizona’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $15,000 per crash
Insurers must offer uninsured and underinsured motorist coverage in writing, but you can turn it down. Our Arizona requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Mesa
- Compare GEICO and Progressive first. They have the two lowest full-coverage averages in our Mesa data, about $169 and $172 a month.
- Quote several insurers. In our Mesa data, the lowest and highest insurer averages are about $120 a month apart for the same driver and car.
- Weigh uninsured motorist coverage. Arizona insurers must offer it in writing, and you can turn it down. If you choose it, the minimum is 25/50, and it pays when a driver with no insurance or too little insurance injures you.
- Compare at every renewal. Since November 2025, Progressive has cut its Mesa average 17.6%, while Allstate has raised its average 3.2%, so the order in our table can shift.
- Insure your car and home together. A multi-policy discount is a common way to save, so compare Mesa home insurance rates too.
Ready to compare
How We Calculated Mesa Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 39 full-coverage premiums from three insurers across 13 Mesa ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Arizona averages come from three insurers, fewer than in most states, so they can move more when one insurer changes its prices. Farmers’ Arizona prices in the rate data are for a program with extra eligibility requirements, so we leave them out. We publish the averages as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Arizona’s minimum is now 25/50/15, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other three insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Other insurers: USAA, Travelers, Auto-Owners and Nationwide aren’t in the Quadrant rate data we analyze, so their rows are estimated from published 2026 Arizona rate studies and aren’t included in our averages or rankings. State Farm isn’t in the August 2026 Quadrant rate data for Arizona, so its row shows its November 2025 rates, marked with an asterisk, and it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Arizona law and the Arizona Department of Insurance and Financial Institutions. We refresh these figures when new rate data is released.
Mesa Car Insurance FAQ
For our benchmark driver, full coverage in Mesa averages about $210 a month ($2,520 a year) and liability-only coverage about $85 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Arizona average of $206 a month.
GEICO and Progressive are effectively tied for the lowest full-coverage average in our Mesa rate data, at about $169 and $172 a month. Allstate’s average is next, at $289. For liability-only coverage, Progressive has the lowest average, at about $69 a month. USAA, Travelers, Auto-Owners and Nationwide aren’t in the Quadrant rate data we analyze, but the published 2026 statewide Arizona rate studies we reviewed most often rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Mesa, for our benchmark driver. Mesa full coverage averages about $210 a month and Phoenix about $252, a difference of about $42 a month for the same driver and car.
In our data, 85215 has the lowest full-coverage average in Mesa, at about $198 a month, and 85201 the highest, at about $221. The ZIP code table on this page lists all 13.
In our Mesa data, full coverage (100/300/100 with $500 deductibles) averages about $210 a month and liability-only coverage at 15/30/10 limits about $85, a difference of about $125 a month ($1,496 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Mesa full coverage fell 4.3% between November 2025 and August 2026, from about $2,632 to $2,520 a year. Progressive cut its Mesa average 17.6%, while Allstate raised its average 3.2%. Liability-only coverage at 15/30/10 limits fell 0.1%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
