Mesa Insurance Rates:

Mesa, AZ homeowners insurance is about $522 to $708, about $43-$59/month. Our all inclusive analysis indicates shoppers can save upto $246 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Cost of Homeowners Insurance in Mesa, AZ

Homeowners in Mesa, AZ pay an average of $736 for home insurance. However, the cost of your policy will vary based on a number of factors including coverage type and deductible amount as well as age of property or materials used to build it.Below is the summary of average home insurance costs available to Mesa Homeowners based on the deductible and other variables.

Mesa, AZ Home Insurance Cost for different ages.


Homeowners are given discounts when they opt for higher deductibles which translates into cheaper monthly payments and affordable premiums over time. A high deductible policy is an easy way to benefit more while saving money. Mesa homeowners paying a high deductible of $2500 can avail of home insurance for $528.45.Homeowners receive insurance for $562.16and $619.27respectively, on deductibles $2000 and $1500.

The average cost of house insurance is directly proportional to the age of the home. Newly constructed Mesa homes can avail lower insurance of $545 since newly built homes have a lesser threat to damage. As a result, home insurance companies offer substantial discounts to newly constructed homes. An older housing means higher rates since houses are more prone to damage and as a result, those with homes over 40 or 50 years old have to pay $755-$764 per year on their premiums.

Construction type is an integral factor in the cost of homeowners insurance. The more resistant your house to damage, the less expensive homeowners insurance will be for you. For instance, if a person lives in Mesa and has fire-resistant construction on their roof they can benefit from average rates at $648 per year.Insurance companies in Mesa offer home insurance for $699 for homes built with Masonry and Brick. Homes constructed with superior and hail resistant roofs attract a higher amount $662 and $ 721 respectively.

Apart from all these factors, homeowners can avail cheap home insurance costs from insurance companies based on the security features and senior citizens residing in the households. Senior occupied houses in Mesa can save upto $94 in home insurance.

Save on Mesa, AZ, Home Insurance Using These Discounts

In Mesa, Arizona, homeowners pay an average insurance rate of $736. Mesa homeowners can make use of discounts offered by home insurance companies to further reduce their insurance rates. Below are some of the discounts offered to Mesa homeowners.

Newly constructed Mesa homes can avail of discounts of up to $191 on homeowners insurance. New homes have less propensity to damage. As a result, home insurance companies offer substantial discounts to newly built homes. On the other hand, older homes attract higher insurance rates. Mesa homes older than 40 years and 50 years receive an additional charge of $28 and $35, respectively, on home insurance.


Home insurance companies consider the lifestyle of homeowners to determine insurance rates. If all the residents of the household are non-smokers, insurance companies offer special discounts on home insurance rates. Mesa homeowners who own a swimming pool attract an additional insurance cost of up to $44. Installing a fence around the pool with self-latching and self-closing gates will help homeowners get discounts from home insurance companies. Additionally, senior citizens in Mesa also receive discounts on home insurance.

Although most of the factors to avail discounts are not under the control of homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Mesa homeowners opting for a high deductible of $2,500, can avail of a discount of $4207 on homeowners insurance. Homeowners receive discounts of $173 and $116, respectively, on deductibles of $2,000 and $1,500. Mesa homeowners can save an average of $600 if they opt for a high deductible of $1,700 instead of a standard deductible of $700 on a lock-in period of 8 years.

Home insurance companies provide discounts to homeowners who have a claims-free history. On the other hand, homeowners with claims attract additional home insurance rates. The cost of home insurance in Mesa increases by up to 44% based on the nature and number of claims. Mesa homeowners who have a history of two fire claims and two water claims attract additional insurance rates of $309 and $242, respectively.

Mesa, AZ Homeowners Insurance By Home Value

Mesa, AZ Home Value Total Homes % of Total Average Mesa, AZ 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

Top Home Insurance Agents Near Mesa, AZ

Home Insurance Company Near Mesa, AZ Homeowners Insurance Agency Near Mesa, AZ Address
NA Auto Insurance Specialist 888 E Jimmie Kerr Blvd Casa Grande, Casa Grande, AZ, 85122
GEICO John Nix 9515 West Camelback Road, Suite 134, Phoenix, AZ, 85037
State Farm Pam Johnson 1489 S Higley Rd Ste 105, Gilbert, AZ, 85296-5049
Travelers Southwind Insurance Agency Inc 2169 E Warner Road Suite 103, Tempe, AZ, 85284
Nationwide Thomas J Mazur 7121 W Bell Rd Suite 30-L, Glendale, AZ, 85308-8559

Mesa, AZ Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Mesa, AZ

Streets in Mesa Area Homeowners Insurance Cost
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

Mesa, AZ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Mesa$92 to $94
Apache Junction$89
Salt River$88

Mesa, AZ Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Gilbert town, Arizona $80 $106 $159
Chandler CCD, Maricopa County, Arizona $80 $106 $159
Apache Junction city, Arizona $74 $99 $148

Mesa, AZ Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Mesa, AZ3.5%13.0%
Apache Junction4.25%14.5%

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

Mesa, AZ Homeowners 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

Average Cost Of Home Insurance By Company In Areas Nearby Mesa For Different Scenarios

Home value ($) Construction type Coverage Company Average homeowners insurance premium ($)
Other structure coverage ($) Contents coverage ($) Additional living expenses coverage ($)
500,000 Masonry 50,000 375,000 100,000 American Strategic Ins Corp 1,054
500,000 Masonry 50,000 375,000 100,000 Amica Mutual Ic 1,308
100,000 Frame 10,000 75,000 20,000 Arizona Home Ic 206
500,000 Frame 50,000 375,000 100,000 Empire Fire & Marine Ic 1,807
500,000 Frame 50,000 375,000 100,000 Farmers Ins Exchange 1,159
500,000 Frame 50,000 375,000 100,000 Farmers Ins Exchange 1,159
500,000 Masonry 50,000 375,000 100,000 Hartford Fire Ic 1,547
100,000 Masonry 10,000 75,000 20,000 Merastar Ic 504
300,000 Frame 30,000 225,000 60,000 Merastar Ic 976
100,000 Frame 10,000 75,000 20,000 Nationwide Ic Of America 432

Mesa, AZ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Mesa Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,500$4,900
Net Savings to Mesa Home Owner from High Deductible Plan $600

Mesa, AZ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Mesa, AZ Home Replacement Value MORE than Home Value Mesa, AZ Home Replacement Value LESS than Home Value
Replacement Value $191,500 $120,000
Insurance Premium based on Replacement Value $600 $375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $32,000 Risk Exposure from Under Insuring Coverage is $39,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $100/year

Example Mesa Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceTravelersLiberty Mutual
Monthly Premium 484370
Year Built 199020032013
Home Details 2 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $150000-$175000$200000-$250000$300000-$350000
Deductible $500 Deductible$5000 to $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Mesa, AZ from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 215,000 Composition Roof 2,080 5 $500- $1000 Deductible 280 5 Vinyl siding No
2013 205,000 Shingles Roof 2,350 4 $5000 to $10,000 Deductible 190 7 Fiber-Cement Siding No
1988 230,000 Membrane Roof 2,790 4 $500 Deductible 350 6 Fiber-Cement Siding No
1980 130,000 Tile Roof 1,220 3 $500 Deductible 220 9 Wood siding No
1990 460,000 Slate Shingles Roof 4,420 5 $5000 to $10,000 Deductible 880 10 Vinyl siding No
1992 235,000 Composition Roof 2,110 4 $5000 to $10,000 Deductible 240 8 Wood siding No
1995 145,000 Wood Shake Roof 1,770 3 $500- $1000 Deductible 180 5 Wood siding No
2009 135,000 Asphalt Shingles Roof 1,240 2 $500 Deductible 40 1 Fiber-Cement Siding yes
1986 185,000 Asphalt Shingles Roof 1,830 3 $5000 to $10,000 Deductible 70 3 Fiber-Cement Siding yes
2007 175,000 Composition Roof 1,700 3 $5000 to $10,000 Deductible 290 12 Vinyl siding yes
2010 275,000 Asphalt Shingles Roof 2,820 4 $1000-$2500 Deductible 260 4 Wood siding No
1999 135,000 Tile Roof 1,570 3 $500- $1000 Deductible 290 9 Stone Siding yes
2000 270,000 Metal Roof 2,380 3 > $10,000 Deductible 90 3 Wood siding No
1987 220,000 Membrane Roof 1,970 3 $500 Deductible 120 2 Fiber-Cement Siding yes
1982 80,000 Tile Roof 920 2 $2500-$5000 Deductible 90 5 Vinyl siding yes
1998 115,000 Membrane Roof 1,270 2 $500- $1000 Deductible 100 5 Brick siding No
2014 145,000 Slate Shingles Roof 1,340 2 $500 Deductible 250 6 Stone Siding yes
2005 185,000 Slate Shingles Roof 1,640 2 $5000 to $10,000 Deductible 130 6 Wood siding yes
1990 140,000 Asphalt Shingles Roof 1,270 2 $2500-$5000 Deductible 150 7 Stucco siding yes
1981 185,000 Shingles Roof 1,970 4 $500- $1000 Deductible 170 4 Stucco siding yes
1987 205,000 Slate Shingles Roof 2,380 3 $500- $1000 Deductible 580 10 Wood siding No
2013 100,000 Slate Shingles Roof 910 2 $500 Deductible 180 10 Fiber-Cement Siding yes
1981 300,000 Composition Roof 2,850 4 $500 Deductible 190 2 Fiber-Cement Siding No
1997 190,000 Composition Roof 2,080 3 $2500-$5000 Deductible 290 7 Stucco siding No
1983 165,000 Composition Roof 2,140 4 $500 Deductible 260 7 Fiber-Cement Siding yes
1994 180,000 Metal Roof 2,120 5 $5000 to $10,000 Deductible 260 9 Fiber-Cement Siding yes
1993 215,000 Wood Shake Roof 2,310 4 $500 Deductible 350 9 Vinyl siding yes
2012 390,000 Composition Roof 3,380 5 $500- $1000 Deductible 430 6 Wood siding yes
2007 175,000 Tile Roof 1,550 3 $5000 to $10,000 Deductible 310 10 Vinyl siding No
1991 165,000 Tile Roof 1,495 3 $500- $1000 Deductible 280 5 Stone Siding yes

Latest Home Insurance Reviews

Farm Bureau
I would recommend FB over other companies becuase they seem to be so much cheaper while offering the same coverage. Plus, all of the member perks.
State Farm
I would recommend this company due to the rates for dobule wides as well as the coverage. The coverage is very well compared to other companies and I would highly recommend them.
Mutual Of Enumclaw
My insurance company had always responded quickly to all claims and inquiries. they always process claims as quickly and as efficiently as possible.
The insurance company is easy to submit claims to because it can be done online without having to call anyone.
American Family Insurance
my american insurance company can be offering the policy can be payable due amount can be extended by the date of payable day by the customer request
State Farm
I would recommend State Farm home insurance to all of those interested in obtaining insurance or for those looking to switch providers. State Farm home insurance provides the comfort and stability that all providers should exemplify.
Farm Bureau
Their customer service is pretty decent, once in a while I have to call them and get somebody who sounds indifferent about their job, but in person they are always helpful and polite.
I went with them because they were recommended to me by a family member. And honestly I have very little communication with them because not much has been happening that I needed to. Which I'm very thankful for.
Farmer's Insurance
On a scale of 1 to 5, I would rate Farmer's insurance at about a 3. Overall, they have not done a bad job. However, I have not experienced needing to file a claim yet so I do not know how well they would handle a situation like that.
American Home Shield
its very good to compare with my insurance,its have a cheap and premium options to show me.
California Casualty
I like them I just wish they would get a mobile app
I like that they are priced below the competition. i was able to get a good rate with them. i can also update my billing info and add coverage as and when needed
State Farm
I like that with this company i can bundle my homeowners insurance with the automobile insurance that i also have to pay for.
Amica Mutual Insurance
They offer different ways to get in touch with them, through email, phone or chat which is nice to have many options depending on what I am looking to get done and the time I have.
Farm Bureau
Everyone I’ve ever had contact with has been friendly and helpful. Phone calls have always been answered quickly and by knowledgeable people. Every time I’ve needed something, it's been completed quickly.
We've had fantastic customer service interactions with our insurer. They respond to needs and requests in a timely fashion, and they are courteous and helpful. They also haven't tried to upsell us on anything.
Liberty Mutual
I really like the affordable prices that they offer and I really enjoy how easy it is to make my payments and keep up to date in case I could get a better price on my coverage.
They are very responsive and don't hassle you over what you're claiming. There was no hint of "we think you're trying to rip us off" questioning, or doubting. Nor did our premium go up! So, I highly recommend USAA.
Horace Mann Educators Corporation
It's relatively bare bones so I think there's lots of room for improvement. I don't use it as often as other apps because I find the website more convenient.
Great customer service. Affordable policy coverage and rates. The agents that work for progressive are very understanding and also compassionate as well
After a bad storm where my roof was damaged, Alfa had an insurance claim specialist at my house within two days. They gave me a generous amount to get the roof repaired.
The company doesn't go the extra mile to make sure all points of the insurance process are as good as they could be. It just does the job.
State Farm
We are able to get in contact with our local agent whenever necessary. We can stop by the office with questions or drop off payments whenever necessary. The personal service is great.
There is not much I dislike about Geico. Some of their commercials can be a little kooky, but that is fine. I guess I would say that my biggest dislike is that sometimes I find it too easy to communicate with them, and they tend to send me too many circulars and other messages through the mail or by e-mail.
Farm Bureau
I would say the premium is our biggest dislike. But all insurance companies seem to start out with a lower premium and then it increases yearly.
Yes, I would recommend. I have not had any experiences that would make me say otherwise.
I would definitely recommend USAA for home insurance. The rates are very good and the people who work for USAA are very helpful and friendly.
Farm Bureau
I would recommend this company because they go the extra mile and they actually do care about the customer and their needs are a priority.
They seem like a good company that stands behind what they sell. They didn't try to get out of paying my water damage claim and were very efficient about it. I like that the company sent someone out who identified with me as a homeowner and was likable
customer service of home insurance is more active than other insurance companies ,i like the way they respond the customers,they clarify our doubts and gives an rosolution.
American Family
Overall, I like the coverage they provide. I like the ease of use of their website and when I did have to file a claim, I liked that the process went smoothly. There was no run around given and they followed through with what they said they would do.

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