The extreme Arizona heat can cause stress on your vehicle, and hazards like wildlife encounters, heavy reliance on freeways, and a monsoon season give you plenty of reasons to ensure you have quality car insurance as a Mesa driver. While the city doesn’t usually see the heavy traffic common in larger cities like Phoenix, it still has congestion hotspots like U.S. 60 and Loop 202.
To help drivers in Mesa shop for auto insurance confidently, we’ve collected real policy quotes from local Jerry customers. Compare rates among different age groups, driving records and coverage preferences.
More: Best car insurance in Arizona
Cheapest minimum coverage insurance in Mesa
Arizona requires drivers to have these minimum coverages:
- $25,000 for bodily injury per person in an accident.
- $50,000 for bodily injury to two or more people in an accident.
- $15,000 for damage to other peoples’ property.
Here are the cheapest car insurance quotes that Jerry customers in Mesa have received for minimum coverage.
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Arizona
Cheapest full coverage insurance in Mesa
You might need full coverage for your own peace of mind or because you’re required to have it by a lender, for example. Full coverage pays for repairs after an accident, regardless of who is at fault, and protects you if your car is damaged in extreme weather or an animal collision, or if it’s stolen.
These are the cheapest full coverage quotes in Mesa, based on data from real Jerry customers.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|---|---|---|---|---|---|
| $47 | $564 | 51 | 10/09/25 | 85213 | ||
| $47 | $569 | 60 | 09/09/25 | 85208 | ||
| $48 | $570 | 43 | 06/23/25 | 85212 | ||
| $48 | $572 | 51 | 10/09/25 | 85213 | ||
| $52 | $623 | 72 | 09/02/25 | 85207 | ||
| $56 | $669 | 59 | 09/19/25 | 85205 | ||
| $56 | $675 | 41 | 09/07/25 | 85201 | ||
| $57 | $678 | 38 | 06/17/25 | 85207 | ||
| $57 | $679 | 61 | 10/07/25 | 85204 | ||
| $57 | $685 | 61 | 10/11/25 | 85202 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
Cheapest car insurance for young drivers in Mesa (18-29 years old)
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Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $32 | $385 | 26 | No | 06/19/25 | 85208 | ||
| $35 | $415 | 25 | No | 08/21/25 | 85204 | ||
| $35 | $419 | 28 | No | 07/08/25 | 85201 | ||
| $37 | $445 | 28 | No | 07/15/25 | 85201 | ||
| $39 | $463 | 26 | No | 09/24/25 | 85206 | ||
| $56 | $669 | 59 | 09/19/25 | 85205 | |||
| $56 | $675 | 41 | 09/07/25 | 85201 | |||
| $57 | $678 | 38 | 06/17/25 | 85207 | |||
| $57 | $679 | 61 | 10/07/25 | 85204 | |||
| $57 | $685 | 61 | 10/11/25 | 85202 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Mesa (30-54 years old)
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Avg Monthly Quote
|
Avg Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $24 | $289 | 43 | No | 06/23/25 | 85212 | ||
| $26 | $313 | 38 | No | 06/17/25 | 85207 | ||
| $28 | $331 | 43 | No | 06/21/25 | 85205 | ||
| $29 | $347 | 40 | No | 06/18/25 | 85202 | ||
| $29 | $349 | 45 | No | 08/13/25 | 85201 | ||
| $56 | $669 | 59 | 09/19/25 | 85205 | |||
| $56 | $675 | 41 | 09/07/25 | 85201 | |||
| $57 | $678 | 38 | 06/17/25 | 85207 | |||
| $57 | $679 | 61 | 10/07/25 | 85204 | |||
| $57 | $685 | 61 | 10/11/25 | 85202 |
Cheapest car insurance for older drivers (55+ years old)
These are quotes for older drivers in Mesa have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $20 | $241 | 65 | No | 09/03/25 | 85210 | ||
| $20 | $243 | 67 | No | 08/18/25 | 85215 | ||
| $21 | $253 | 65 | No | 09/03/25 | 85210 | ||
| $22 | $261 | 68 | No | 09/18/25 | 85203 | ||
| $23 | $281 | 70 | No | 09/12/25 | 85206 | ||
| $56 | $669 | 59 | 09/19/25 | 85205 | |||
| $56 | $675 | 41 | 09/07/25 | 85201 | |||
| $57 | $678 | 38 | 06/17/25 | 85207 | |||
| $57 | $679 | 61 | 10/07/25 | 85204 | |||
| $57 | $685 | 61 | 10/11/25 | 85202 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean record in Mesa
A clean driving record can help you get an affordable rate. Here are the cheapest quotes for drivers with spotless records that Mesa drivers have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $20 | $243 | 67 | 08/18/25 | No | 85215 | ||
| $22 | $261 | 68 | 09/18/25 | No | 85203 | ||
| $23 | $281 | 70 | 09/12/25 | No | 85206 | ||
| $24 | $287 | 61 | 09/05/25 | No | 85205 | ||
| $24 | $289 | 43 | 06/23/25 | No | 85212 | ||
| $26 | $313 | 38 | 06/17/25 | No | 85207 | ||
| $28 | $331 | 43 | 06/21/25 | No | 85205 | ||
| $28 | $332 | 57 | 08/08/25 | No | 85215 | ||
| $28 | $333 | 68 | 08/10/25 | No | 85205 | ||
| $29 | $347 | 40 | 06/18/25 | No | 85202 |
Cheapest car insurance for drivers with low credit scores in Mesa
Having a low credit score often means you'll be quoted a higher insurance rate, but it's wise to shop around and see which insurer gives you the best offer.
Here are real quotes to Jerry's customers in Mesa with credit scores below 550.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $60 | $717 | 68 | 09/26/25 | 85205 | ||
| <550 | $72 | $863 | 68 | 09/26/25 | 85205 | ||
| <550 | $74 | $886 | 44 | 09/03/25 | 85201 | ||
| <550 | $74 | $887 | 38 | 09/14/25 | 85212 | ||
| <550 | $74 | $891 | 38 | 09/20/25 | 85212 | ||
| $26 | $313 | 38 | 85207 | ||||
| $28 | $331 | 43 | 85205 | ||||
| $28 | $332 | 57 | 85215 | ||||
| $28 | $333 | 68 | 85205 | ||||
| $29 | $347 | 40 | 85202 |
Cheapest car insurance for drivers with at-fault accidents in Mesa
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At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $75 | $901 | 48 | No | 04/02/25 | 85201 | ||
| At Fault With No Injury | $87 | $1,048 | 32 | Yes | 07/04/25 | 85205 | ||
| At Fault With No Injury | $89 | $1,069 | 37 | No | 10/21/25 | 85203 | ||
| At Fault With No Injury | $95 | $1,141 | 53 | Yes | 07/20/25 | 85210 | ||
| At Fault With No Injury | $97 | $1,169 | 53 | No | 08/09/25 | 85208 | ||
| $26 | $313 | 38 | No | 85207 | ||||
| $28 | $331 | 43 | No | 85205 | ||||
| $28 | $332 | 57 | No | 85215 | ||||
| $28 | $333 | 68 | No | 85205 | ||||
| $29 | $347 | 40 | No | 85202 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Mesa
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Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $43 | $519 | 47 | 10/09/25 | 85202 | ||
| Speeding over 15 | $49 | $582 | 57 | 09/20/25 | 85201 | ||
| Speeding over 15 | $51 | $612 | 57 | 09/26/25 | 85201 | ||
| Speeding over 15 | $54 | $644 | 57 | 09/26/25 | 85201 | ||
| Speeding over 15 | $56 | $669 | 57 | 09/26/25 | 85207 | ||
| $26 | $313 | 38 | 06/17/25 | 85207 | |||
| $28 | $331 | 43 | 06/21/25 | 85205 | |||
| $28 | $332 | 57 | 08/08/25 | 85215 | |||
| $28 | $333 | 68 | 08/10/25 | 85205 | |||
| $29 | $347 | 40 | 06/18/25 | 85202 |
Cheapest car insurance for drivers with DUIs in Mesa
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $74 | $888 | 39 | 09/08/25 | 85207 | ||
| DUI | $82 | $988 | 51 | 09/01/25 | 85215 | ||
| DUI | $88 | $1,053 | 32 | 09/27/25 | 85209 | ||
| DUI | $89 | $1,073 | 51 | 09/01/25 | 85215 | ||
| DUI | $94 | $1,123 | 32 | 05/17/25 | 85205 | ||
| $26 | $313 | 38 | 06/17/25 | 85207 | |||
| $28 | $331 | 43 | 06/21/25 | 85205 | |||
| $28 | $332 | 57 | 08/08/25 | 85215 | |||
| $28 | $333 | 68 | 08/10/25 | 85205 | |||
| $29 | $347 | 40 | 06/18/25 | 85202 |
More: DWI vs. DUI: What’s the difference?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
