Mesa Insurance Rates:

Mesa, AZ home insurance is about $522 to $708, about $43-$59/month. Our all inclusive analysis indicates shoppers can save upto $246 by getting different quotes

Compare Quotes from Top Providers and Save now!

Compare & get the cheapest Mesa, Arizona home insurance quote while also getting the best customer & claims service.

Mesa Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $290/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 2080 sqft Vacation Property Constructed In 1997 with Wood Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $260/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Baths 2140 sqft Vacation Property Constructed In 1983 with Carpet over wood flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $260/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $180,000

5 Beds, 5 Baths 2120 sqft Rental Property Constructed In 1994 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $350/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Bath 2310 sqft Rental Property Constructed In 1993 with Linoleum, Wood Shake Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Married Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $430/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $390,000

5 Beds, 5 Baths 3380 sqft Seasonal Residence Constructed In 2012 with Linoleum, Composition Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $310/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Bath 1550 sqft Vacation Property Constructed In 2007 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $280/5 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 1495 sqft Primary Residence Constructed In 1991 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Click here for Zip Code data

Mesa Rates & Quotes Analysis:

Mesa Area Estimated House Insurance
N Reseda, E Summer Place Ter, E Vest Ave, W Laguna Azul Ave, S 82nd Way, N Orange Cir, N 117th Pl, E Paloma Ave, E Juniper Cir, N St Claire Cir$620
E Rochelle St, E Jarvis Ave, N Date St, S 82nd Pl, S Sagewood Cir, Christine Pl, E Sunview, S Las Palmas, W Esplanade St, N el Sereno Cir$606
N Hibbert, E Orion Cir, S Laramie, S Lee Cir, N Casa Carranza, N Cherry, N Athena, E Senoia Cir, W Dobson Village, W Meseto Ave$694
W Olla Ave, N Cabot St, E Dewberry Cir, N Ebony, N May, W Drew St, Hunt's Trl, E Carmel Cir, E Sorpresa, E Camelot Dr$632
N Edgemont, E Hazelwood Pkwy, S Tobin, N Esther St, W Lobo Cir, E Obispo Ave, E Ingram Cir, E Pebble Dr, W Emelita, S Yale$605
N Dodge St, 89th St, S Sabrina, Casada Ct, W Dobson Greens, N Travis Cir, S Wattlewood Cir, S Cholla, Anozira S Pkwy, Seton$644
S Ogden Cir, S Labelle, N Emerson St, E el Paso St, N Silverton, N Los Alamos, N Santiago, N 95th Cir, S Stewart Cir, N Barron$614
W 11th St, E Quenton Dr, W Sunrise Blvd, S 85th St, E Sandia St, 1200 N, S Hunt Dr, 1600 E, E Whitefish Bay Cir, N Olympic Cir$636
N Jade Cir, San Remo, S Seton, W Newton Ct, S 87th Pl, Foxdale Aoe, S Evangeline Ave, W Longmore Est Condos S, E Reese Ave, N Mission Cove Ln$628
S Pioneer, N Chilcott Ct, S Udall, S Price Rd N, Superstition Springs Blvd, E Kings Ct, E Fountain Cove, Eastern Csr, N Raven, W Merrill Ln$603

Insurance rates are influenced by a number of factors including:

  • Year Built: 41,193 Homes (20% of total) built between 1990 to 1999 in Mesa are paying home insurance between $887-$896 and varies from Gilbert (+$30), Chandler (+$35), Queen Creek (+$33), Apache Junction (-$29) and Salt River (-$40).
  • Bedrooms: 35,253 1 bedroom homes (18% of total homes ) in Mesa are paying about $320 compared to Gilbert (+$11), Chandler (+$6), Queen Creek (+$12), Apache Junction (-$10) and Salt River (-$14).
  • Auto Insurance Bundling: 20,990 Households (19% of all households) in Mesa have 3 or more vehicles available and when it is bundled with home insurance you can save $153 compared to Gilbert ($159), Chandler ($159), Apache Junction ($148).
  • Senior Discounts: 55,280 seniors (more than 55 years) occupied housing units (52% of total) in Mesa get discounts between $92 to $94 and differs from Gilbert ($95), Apache Junction ($89), Salt River ($88).
  • New Homes discounts: New homes such as the 82,968 homes built between 2000 to 2009 in Mesa can save $123 and similar new home insurance discounts in nearby towns and cities like Gilbert, Chandler and Apache Junction are $127, $127 and $119 respectively.

Mesa Homeowners insurance Facts

  • Mesa, AZ has 105,308 owner occupied houses which is 63.1% of all units whereas Gilbert, Chandler and Apache Junction have 72.02%, 70.76% and 78.74% respectively.
  • Mesa, AZ homeowners yearly insurance price at $615 is 0.38% of the typical house value of $162,200 which is in contrast with 0.27% in Gilbert, 0.26% at Chandler & 0.64% in Apache Junction.
  • Homeowners in Mesa, AZ pay 0.82% of their income ($75,000 or more) in insurance whereas homeowners in Gilbert, Chandler and Apache Junction pay 0.85%, 0.85% and 0.79% respectively.
  • Mesa, AZ’s insurance is 3.5% of monthly housing costs of $1,477/month, for owners with a mortgage compared to 2.94% in Gilbert, 2.97% at Chandler & 4.25% in Apache Junction. But, for households without a mortgage, insurance is 13.0% of costs ($395 in Mesa, AZ) in contrast with 11.45% in Gilbert, 12.74% at Chandler & 14.5% in Apache Junction.

Mesa, AZ Home Values & Insurance rates

For example, insurance for 10,257 Homes (10.0% of total homes ) valued between $100,000 to $124,999 in Mesa, AZ is about $412. Rates in nearby areas in such as Gilbert, Chandler, Queen Creek are cheaper by $120, $131, $125 respectively while Apache Junction and Salt River are costlier by $284 and $533 respectively for similar homes.

Mesa, AZ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 13,789 14.0% $92
$50,000 to $59,999 1,643 1.0% $196
$60,000 to $69,999 2,351 2.0% $246
$70,000 to $79,999 2,341 2.0% $282
$80,000 to $89,999 3,526 3.0% $319
$90,000 to $99,999 3,139 3.0% $356
$100,000 to $124,999 10,257 10.0% $412
$125,000 to $149,999 9,551 9.0% $516
$150,000 to $174,999 12,474 12.0% $615
$175,000 to $199,999 8,769 8.0% $707
$200,000 to $249,999 13,440 13.0% $854
$250,000 to $299,999 8,534 8.0% $1039
$300,000 to $399,999 8,013 8.0% $1322

Renters Insurance in Mesa

  • Average Renters Insurance in Mesa :  $231($19/month)

  • Median Gross Rent in Mesa :  $872

  • Mesa Renters Insurance to Median Rent Ratio:  2.18%

  • Average household size of renter-occupied unit :  2.65

Mesa Renters Insurance as a Percentage of Rent

Mesa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 1,685 2.0% $1257
$500 to $749 16,277 27.0% $1932
$750 to $999 20,278 34.0% $2682
$1,000 to $1,499 15,604 26.0% $3807
$1,500 or more 4,920 8.0% $5457

Rent Affordability in Mesa:

Approximately 45.0% (28,165) of households are spending more than 35% of their income on gross rent in Mesa

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 5,321 8.0%
15.0 to 19.9 percent 7,246 11.0%
20.0 to 24.9 percent 8,053 13.0%
25.0 to 29.9 percent 6,755 10.0%
30.0 to 34.9 percent 5,958 9.0%
35.0 percent or more 28,165 45.0%

Mesa Renters Insurance Discounts:

Mesa Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Mesa, AZ Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 32,221 52.0% $23.1
2 vehicles available 16,722 27.0% $34.65
3 or more vehicles available 3,923 6.0% $46.2

Mesa Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 3,330 5.0% $87
60 to 64 years 2,884 4.0% $69
65 to 74 years 3,183 5.0% $56
75 years and over 3,846 6.0% $43

Protective device discount in Mesa Up to :  $34

Claims-free discount in Mesa Up to :  $46

Mesa, AZ Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
85207 $203,400 $640
85215 $202,800 $630
85212 $199,600 $640
85213 $193,700 $630
85203 $173,900 $630
85202 $163,100 $620
85206 $157,300 $620
85210 $135,300 $610
85205 $134,400 $610
85201 $132,500 $610
85204 $123,100 $610
85208 $115,200 $600