Best Cheap Auto Insurance in Mesa, CO (2021)

The average Mesa, CO auto insurance rates are $296 per month. The minimum auto insurance in Mesa is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Mesa, Colorado, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Mesa for teen drivers is Allstate
  • The cheapest auto insurance company in Mesa is Liberty Mutual
  • The average commute length in Mesa is 42.0 minutes

Mesa, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Mesa can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Mesa, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Mesa to other Colorado cities, including Colorado Springs auto insurance rates, Westminster auto insurance rates, and Pueblo auto insurance rates to see how Mesa, Colorado auto insurance rates stack up.

Before you buy Mesa, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Mesa, Colorado auto insurance quotes.

Minimum Auto Insurance in Mesa, Colorado

Mesa, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Mesa, Colorado.

Minimum Required Auto Insurance Coverage in Mesa, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Mesa, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Mesa, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Mesa, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,482 $3,259 $3,106 $3,143 $11,824 $12,385 $3,872 $3,923
American Family $2,424 $2,424 $2,188 $2,188 $5,878 $7,883 $2,424 $2,977
Farmers $2,804 $2,780 $2,543 $2,735 $10,404 $10,475 $3,092 $3,143
GEICO $1,636 $1,789 $1,699 $1,903 $5,113 $5,459 $1,505 $1,552
Liberty Mutual $1,699 $1,670 $1,431 $1,570 $4,882 $5,338 $1,721 $1,759
Nationwide $1,952 $1,982 $1,754 $1,845 $4,935 $6,278 $2,246 $2,417
Progressive $2,515 $2,357 $2,171 $2,169 $8,331 $9,329 $2,840 $2,770
State Farm $1,839 $1,839 $1,660 $1,660 $5,403 $6,825 $2,063 $2,451
USAA $2,006 $2,006 $1,910 $1,917 $4,983 $5,703 $2,573 $2,799

Cheap Mesa, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Mesa, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Mesa, Colorado.

Annual Auto Insurance Rates for Teen Drivers in Mesa, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,824 $12,385
American Family $5,878 $7,883
Farmers $10,404 $10,475
GEICO $5,113 $5,459
Liberty Mutual $4,882 $5,338
Nationwide $4,935 $6,278
Progressive $8,331 $9,329
State Farm $5,403 $6,825
USAA $4,983 $5,703

Cheap Mesa, Colorado Auto Insurance for Seniors

What are senior auto insurance rates in Mesa, Colorado? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Mesa, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,106 $3,143
American Family $2,188 $2,188
Farmers $2,543 $2,735
GEICO $1,699 $1,903
Liberty Mutual $1,431 $1,570
Nationwide $1,754 $1,845
Progressive $2,171 $2,169
State Farm $1,660 $1,660
USAA $1,910 $1,917

Cheap Mesa, Colorado Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Mesa, Colorado compared to the annual auto insurance rates with a clean record in Mesa, Colorado.

Annual Mesa, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,798 $5,506 $6,754 $5,438
American Family $2,623 $3,729 $4,868 $2,974
Farmers $4,007 $5,144 $5,079 $4,757
GEICO $1,834 $2,822 $3,278 $2,394
Liberty Mutual $2,193 $2,570 $2,679 $2,592
Nationwide $2,267 $3,072 $3,877 $2,488
Progressive $3,524 $4,883 $3,720 $4,114
State Farm $2,723 $3,213 $2,968 $2,968
USAA $2,188 $2,662 $4,635 $2,464

Cheap Mesa, Colorado Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Mesa, Colorado is not easy. Compare the annual rates for DUI auto insurance in Mesa, Colorado to find the best deal.

Annual Auto Insurance Rates After a DUI in Mesa, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,754
American Family $4,868
Farmers $5,079
GEICO $3,278
Liberty Mutual $2,679
Nationwide $3,877
Progressive $3,720
State Farm $2,968
USAA $4,635

Cheap Mesa, Colorado Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Mesa, Colorado annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Mesa, Colorado

Insurance Company Poor Fair Good
Allstate $7,179 $5,520 $4,174
American Family $4,613 $3,282 $2,750
Farmers $5,522 $4,471 $4,248
GEICO $3,099 $2,582 $2,065
Liberty Mutual $3,585 $2,190 $1,751
Nationwide $3,525 $2,806 $2,447
Progressive $4,631 $3,940 $3,610
State Farm $4,123 $2,648 $2,133
USAA $4,418 $2,521 $2,022

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Cheap Mesa, Colorado Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Mesa, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Mesa, Colorado to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Mesa, Colorado

ZIP Code Average Annual Rates
81643 $3,279

Cheap Mesa, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Mesa, Colorado auto insurance. Find the cheapest annual Mesa, Colorado auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Mesa, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,624 $5,624
American Family $3,472 $3,624
Farmers $4,747 $4,747
GEICO $2,529 $2,635
Liberty Mutual $2,509 $2,509
Nationwide $2,926 $2,926
Progressive $4,060 $4,060
State Farm $2,895 $3,041
USAA $2,903 $3,071

Cheap Mesa, Colorado Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Mesa, Colorado? Check out the comparison of annual Mesa, Colorado auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Mesa, Colorado

Insurance Company Low Medium High
Allstate $5,386 $5,608 $5,878
American Family $3,381 $3,622 $3,642
Farmers $4,195 $4,683 $5,364
GEICO $2,396 $2,550 $2,800
Liberty Mutual $2,382 $2,501 $2,642
Nationwide $2,909 $2,928 $2,941
Progressive $3,777 $4,070 $4,333
State Farm $2,766 $2,970 $3,167
USAA $2,856 $2,986 $3,119

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Best By Category: Cheapest Auto Insurance in Mesa, Colorado

Compare the cheapest auto insurance companies in Mesa, Colorado in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Mesa, Colorado

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation GEICO

The Cheapest Mesa, Colorado Auto Insurance Companies

What auto insurance companies in Mesa, Colorado are the cheapest? Compare the top Mesa, Colorado auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Mesa, Colorado

Insurance Company Average Annual Rates
Allstate $5,624
American Family $3,548
Farmers $4,747
GEICO $2,582
Liberty Mutual $2,509
Nationwide $2,926
Progressive $4,060
State Farm $2,968
USAA $2,987

What affects auto insurance rates in Mesa, Colorado?

There are a lot of reasons why auto insurance rates in Mesa, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Mesa, Colorado. Many local factors may affect your Mesa auto insurance rates.

Mesa Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Mesa, Colorado commute length is 42.0 minutes according to City-Data.

Mesa Traffic

How does Mesa, Colorado rank for traffic? According to Inrix Mesa, Colorado is the 928th most congested worldwide.

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Compare Mesa, Colorado Auto Insurance Quotes

Before you buy Mesa, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Mesa, Colorado auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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