Mesa Home Insurance Costs (2026)

How much is homeowners insurance in Mesa?

Homeowners insurance in Mesa averages $290 a month for the house we priced, with rates as of Sept. 30, 2026. The 5 major insurers we compared are State Farm, USAA (military families only), Farmers, Allstate and Liberty Mutual, and each one priced our sample home in all 13 Mesa ZIP codes in our data, in Maricopa County. For this house, Mesa is the 2nd most expensive of the 8 Arizona cities in our data with at least 5 ZIP codes, and above the Arizona average of $263 a month.

Our figures are for a $300,000 dwelling, which works out to about $11.60 a year for each $1,000 of dwelling coverage in Mesa; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Mesa average rose 3.2% since Nov. 2025, from $3,369 a year ($281 a month) on Nov. 30, 2025, to $3,479 ($290) on Sept. 30, 2026, as Allstate’s rose 10.8%, Liberty Mutual’s rose 3.0% and the other insurers’ prices didn’t change.

Homeowners insurance averages by insurer in Mesa for our sample home (rates as of Sept. 30, 2026)

State Farm averaged $129 a month ($1,550 a year), USAA (military families only) $157 ($1,879), Farmers $218 ($2,615), Allstate $265 ($3,175) and Liberty Mutual $681 ($8,174) for our sample home.

Same sample home: each insurer’s average yearly price in the same Mesa ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 5 insurers in the table priced the same 13 Mesa ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Mesa address:

• State Farm ran from $1,457 a year in 85208 to $1,628 in 85201.
• USAA (military families only) ran from $1,623 a year in 85206 to $2,111 in 3 ZIP codes, including 85202.
• Farmers ran from $2,460 a year in 85203 to $2,787 in 2 ZIP codes, including 85209.
• Allstate ran from $2,559 a year in 85212 to $3,903 in 85215.
• Liberty Mutual ran from $2,992 a year in 85209 to $16,641 in 85202.

Why one insurer stands out: Liberty Mutual’s average for our sample home, $681 a month, is about 3.5 times the other 4 insurers’ average. It stays in our figures. Without it, the Mesa average would be $192 a month ($2,305 a year), 27.1% below the Arizona average.

Same sample home in Mesa with all 5 insurers and without Liberty Mutual (rates as of Sept. 30, 2026)

The Arizona figure includes every insurer we priced in the state.

Who has the cheapest homeowners insurance in Mesa?

Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Mesa, ZIP code averages for this house ran from $193 to $446 a month, while insurers’ Mesa averages ran from $129 to $681.

If prices stayed where they are today, the $1,625-a-year gap between the lowest and highest averages among the insurers anyone can buy from in Mesa, other than Liberty Mutual, which priced far above the rest, would add up to $8,125 over five years for this house.

Same house, different city: how does Mesa compare?

The same sample home costs $290 a month in Mesa, $182 in Surprise, $191 in Gilbert, $192 in Glendale, $195 in Chandler, $202 in Tucson, $215 in Scottsdale and $444 in Phoenix, the 8 Arizona cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in Mesa, other Arizona cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Surprise has the lowest average of these Arizona cities, $182 a month, and Phoenix the highest, $444; Mesa sits between them.

Compared with Phoenix, the Arizona city with the most ZIP codes in our data (41), the same house costs 34.7% less to insure in Mesa.

Across the U.S., 169 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Mesa, and 122 a higher one.

For the statewide picture, see home insurance costs in Arizona, Phoenix home insurance costs and Tucson home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

How much is homeowners insurance on a $300,000 house in Mesa?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Mesa averages $290 a month ($3,479 a year) across the 5 insurers we compared in 13 ZIP codes (rates as of Sept. 30, 2026). That’s 10.1% above the $263-a-month Arizona average for the same house. Insurers’ averages for that same house ran from $129 to $681 a month. Without Liberty Mutual, which priced far above the rest, the average would be $192 a month.

Why your Mesa quote may differ from these prices

Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.

Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.

Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Mesa quote above the $290 a month our claim-free, good-credit owner averages.

Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.

What drives home insurance prices in Mesa?

For our sample house, Mesa is the 2nd most expensive of the 8 Arizona cities in our data with at least 5 ZIP codes, and 12.2% above the average of the 50 states and D.C. Our figures don’t separate causes; these official records show what Mesa homes face.

One reason in our data: Liberty Mutual’s average for our sample home, $681 a month, is about 3.5 times the other insurers’ average; without it, Mesa would average $192 a month.

Severe thunderstorms on July 17, 2022 brought widespread wind gusts above 60 mph to Mesa and the nearby Salt River Pima-Maricopa Indian Community, where damage to the power grid suggested winds of 80 to 100 mph, according to the National Weather Service.

On Sept. 8, 2014, Phoenix Sky Harbor recorded 3.30 inches of rain, the most on any calendar day since Phoenix records began in 1895, and flooding was photographed in Mesa near Ellsworth and University, according to the National Weather Service.

How to find cheaper home insurance in Mesa

For our sample home, insurers’ Mesa averages ran from $1,550 to $8,174 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: even one insurer’s price moves a lot by address: Liberty Mutual’s for our sample home ran from $2,992 to $16,641 a year depending on the Mesa ZIP code.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 21 months of Mesa’s $290-a-month average premium).

Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.

Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.

Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.

Guard a clean record: our sample owner has no claims in 10 years, and the $290-a-month Mesa average assumes that clean record; a recent claim can raise a quote.

How much is renters insurance in Mesa?

Renters insurance for our sample renter averages $27 a month ($329 a year) in Mesa. For our sample renter, prices among the 4 insurers we compared ranged from $12 to $51 a month, a $39-a-month gap for the same coverage.

Renters insurance averages by insurer in Mesa for our sample renter (rates as of Sept. 30, 2026)

State Farm averaged $12 a month ($138 a year), USAA (military families only) $13 ($154), Farmers $34 ($409) and Liberty Mutual $51 ($614) for our sample renter.

We don’t name a lowest renters insurer in Mesa (the methodology explains when we do); the renters table above lists every insurer’s average for the same renter, from $12 to $51 a month.

Liberty Mutual’s renters average is about 2.6 times the other insurers’ average; without it, Mesa’s renters average would be $20 a month ($234 a year).

For renters insurance, Mesa is the 4th most expensive of the 8 Arizona cities in our data with at least 5 ZIP codes: its average is 0.9% below the Arizona renters average of $332 a year ($28 a month) and 28.5% above the average of the 50 states and D.C., $256 a year ($21 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 250 have a lower renters average for our sample renter than Mesa, 41 a higher one. Our sample renter’s policy costs about 9% of what our sample home costs to insure in Mesa.

For the same insurers and ZIP codes, the Mesa renters average rose 2.9% since Nov. 2025, from $320 to $329 a year, as Farmers’ rose 9.9% and the other insurers’ prices didn’t change.

By ZIP code, the Mesa renters average for our sample renter ran from $27 a month in 85212 to $28 in 85213.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 52 sample prices by 4 insurers across 13 Mesa ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

What does renters insurance cover in a Mesa apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Mesa, that package averages $27 a month; flood and earthquake damage need separate coverage.

How we got these renters prices: each insurer’s average across the 13 Mesa ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Mesa

Many Mesa homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See car insurance rates in Mesa · Arizona car insurance rates · How bundling home and auto insurance works