Cheapest Car Insurance in Mesquite (2026)

State Farm charges Mesquite's most affordable full coverage at $134 monthly, while also providing the lowest minimum coverage at $64 per month or $764 annually. These premiums apply to drivers with clean records. Personal factors like age and driving history determine which insurer provides your lowest rate, so requesting quotes from multiple carriers reveals your best available premium.

Mesquite drivers pay $101 per month for minimum coverage and $214 per month for full coverage. These rates exceed Texas's state average of $61 monthly for minimum coverage and $139 monthly for full coverage. 

Mesquite's premiums run more than double the state average due to higher traffic density, elevated accident rates and increased vehicle theft in urban areas. Comparing quotes from multiple insurers helps Mesquite drivers find the most competitive rates available.

Read More: The cheapest car insurance in Texas

Your age impacts what you'll pay for car insurance in Mesquite. Young drivers pay the highest costs at $389 monthly on average, compared to $167 for adults and $211 for seniors. These higher premiums reflect young drivers' limited experience behind the wheel and statistically higher accident rates.

Cheapest Mesquite car insurance by age:

• Young drivers: GEICO at $299 per month
• Adult drivers: State Farm at $134 per month
• Senior drivers: State Farm at $153 per month

Once drivers establish experience, age matters less for pricing. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Young drivers in Mesquite pay the highest car insurance costs, but GEICO offers the most affordable option at $299 monthly or $3,585 annually for full coverage. Drivers ages 16 to 25 pay these high premiums because they're considered the riskiest group due to inexperience, higher accident rates and more frequent traffic violations. 

The average monthly premium for young drivers reaches $389 compared to $167 for adults. Youth rates are more than double what experienced drivers pay.

Shopping around saves young Mesquite drivers $201 monthly when choosing GEICO over Allstate at $500 monthly. While adding a young driver to your family policy costs less than separate coverage, rates remain elevated until age 25.

Note: Teen drivers may have additional legal requirements and restrictions. Check with your state's Department of Motor Vehicles for specific regulations affecting young drivers.

Mesquite seniors enjoy competitive car insurance rates because of their clean driving records and decades of experience behind the wheel. State Farm offers the most affordable full coverage at $153 monthly or $1,830 annually, though some insurers increase rates slightly for drivers over 70 due to slower reaction time concerns. 

Across the five cheapest providers, Mesquite's seniors average $211 monthly, just $44 above the $167 that younger adults pay. Choosing State Farm over Progressive at $241 monthly saves seniors $88 each month. Completing defensive driving courses or keeping annual mileage under 7,500 miles can qualify you for additional discounts.

Drivers between 26 and 64 get Mesquite's most competitive insurance rates because they combine extensive driving experience with statistically lower accident involvement than younger and older motorists. State Farm leads with the cheapest full coverage at $134 monthly or $1,609 annually for this age group. 

Across Mesquite's five most affordable insurers, adults average $167 monthly. This is the lowest of any age category. Adults who choose State Farm instead of Progressive at $188 monthly save $54 each month. Maintaining clean driving records and bundling policies can lower premiums even further.

Insurance violations increase rates for Mesquite drivers across all coverage levels. State Farm leads with the most affordable options, charging $64 monthly for minimum liability whether you have a clean record or speeding ticket, though DUI rates jump to $105 monthly through the same insurer. 

Looking at the broader market, average costs across the five cheapest providers climb from $86 for clean records to $103 for speeding tickets, $112 for at-fault accidents and $123 for DUIs.

DUIs cause the largest premium increases because they combine reckless behavior with serious legal consequences. This violation places you in insurers' highest-risk category and usually requires SR-22 documentation. 

At-fault accidents push rates higher since you've proven capable of causing actual property damage or injuries. Speeding tickets result in smaller increases because they signal risky driving habits without proving you've been in a crash.

Mesquite drivers pay monthly car insurance costs ranging from $78 to $238, depending on their ZIP code. ZIP code 75150 offers the cheapest rates while 75149 carries the highest premiums, so find your specific ZIP code in the table to see what you'll pay.

The city's most populated neighborhoods are 75149, 75150 and 75181. They charge $238, $181 and $222 monthly for minimum coverage. These rate differences come from neighborhood factors like theft rates, accident frequency, population density and how many uninsured drivers live in each area. Use the filter above the table to find your ZIP code and check your area's typical cost.

Smart Mesquite drivers know how to find competitive rates without sacrificing proper coverage for their needs.

Want to find affordable coverage in Mesquite? This FAQ offers clear answers about available discounts, state requirements and policy options to help you find coverage that works for your budget.

Mesquite drivers pay some of Texas's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for  Mesquite's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.