Insurance Costs in Mesa, AZ
Auto insurance in Mesa averages $1,770 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Mesa, AZ: What You Need to Know
Mesa residents pay an average of $1,770 per year for full coverage auto insurance, which is 4.0% above the Arizona state average and 5.7% above the national average.
With a population of 504,258, Mesa is one of the largest cities in Arizona. Insurance rates here are typical for the state.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,770 | $148 |
| Standard Coverage (50/100/50) | $1,451 | $121 |
| State Minimum (25/50/15) | $743 | $62 |
Homeowners Insurance in Mesa, AZ
The average cost of homeowners insurance in Mesa is $1,745 per year ($145/month), which is 4.1% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Mesa, AZ
Renters insurance in Mesa averages $198 per year ($16/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Arizona Cities
How to Save on Insurance in Mesa
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Mesa can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Mesa, AZ?
The average cost of car insurance in Mesa, AZ is $1,770 per year for full coverage, or about $148 per month. Minimum coverage costs around $743 per year.
Is car insurance expensive in Mesa?
Car insurance in Mesa is about average for the U.S.
How much is home insurance in Mesa?
Homeowners insurance in Mesa costs an average of $1,745 per year. Your actual cost depends on your home's value, age, construction type, and specific location.