Misty Virgil

At Misty Virgil Insurance Agency in Mesa, Arizona, we believe insurance should feel personal, local, and easy to understand. I’ve been a State Farm Agent for over seven years and have spent more than 28 years in the insurance industry, all with State Farm. That experience has taught me how important it is to have real conversations, clear guidance, and a local team you can count on when life changes.

Our office proudly serves Mesa and communities across Arizona, including Gilbert, Chandler, Queen Creek, Apache Junction, Florence, Scottsdale, the East Valley, Phoenix area, West Valley, and beyond. Whether you’re moving to Arizona, buying a home, protecting a rental property, insuring a secondary home, or simply reviewing your current coverage, our licensed team is here to help you understand your options.

We offer auto insurance, car insurance, homeowners insurance, renters insurance, life insurance, business insurance, and more. We also help customers look for available discounts, including bundling home and auto insurance, so they can feel confident they’re getting coverage that fits their needs and budget.

What makes our agency different is our commitment to being more than just a phone number. We have a brick-and-mortar office in Mesa where you can call, stop by, and talk with real people who care. Our goal is to answer the phone quickly, listen carefully, and guide you through your coverage so you know what you have, why it matters, and how it helps protect the people and things most important to you. Our bilingual team is proud to support customers throughout Arizona with friendly, knowledgeable service.

We are also passionate about giving back to the community we call home. From supporting local backpack drives to domestic violence organizations and local pet rescues, we believe shopping local and choosing a local insurance agency helps strengthen the community around us.

With the school year back in session, it’s a good time to review your auto insurance. Whether you have a teen driver heading to school or just want to make sure your coverage still fits your needs, the right policy can help protect your vehicle and your family. Take a moment now to ensure you’re prepared for a safe and busy school year on the road.

Frequently Asked Questions:

What factors affect my auto insurance pricing?

Your driving record, age, location, type of vehicle, and coverage levels all impact your price.

What's the difference between collision and comprehensive coverage?

Collision coverage pays for damage to your car from accidents regardless of fault. Comprehensive coverage protects against non-collision events like theft, vandalism, fire, hitting an animal, hail, or flood damage. Both have deductibles you choose when purchasing coverage.

How can I lower my car insurance rates?

You can reduce cost by increasing your deductible, bundling policies, maintaining a clean driving record, asking about all available discounts, improving your credit score, and reducing coverage on older vehicles. Review your policy annually to ensure you understand the coverage choices offered.

What does homeowners insurance cover?

It protects your home, personal belongings, and provides liability coverage if someone is injured on your property.

Do renters need insurance?

Renters insurance isn’t required, but it protects your belongings and offers liability coverage.

How much life insurance do I need?

Typically, 10–15 times your annual income, depending on your debts, living expenses, and future financial obligations.

We service all of the Phoenix area which includes:

Anthem, Apache Junction, Avondale – Goodyear, Bapchule, Buckeye, Carefree, Casa Grande, Cave Creek, Chandler, Chandler Heights, Desert Hills, Fort McDowell, Fountain Hills, Gilbert, Glendale, Gold Canyon, Guadalupe, Hayden, Higley, Laveen, Litchfield, Litchfield Park, Luke AFB, Maricopa, Mesa, New River, Paradise Valley, Peoria, Queen Creek, Queen Valley, Rio Verde, San Manuel, Scottsdale, Sun City, Sun City West, Superstition Mountain, Surprise, Tempe, Tolleson, Waddell, Youngtown