State Farm offers the lowest car insurance rates in Mesquite, with average annual premiums of $764 for minimum coverage and $1,609 for full coverage. GEICO, Mercury and AAA also provide affordable coverage options in the city.
Car Insurance in Mesquite
Updated: August 7, 2025
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Key Takeaways
Mesquite's cheapest car insurance companies are State Farm, GEICO and Mercury, with savings up to 41% compared to the city average.
Monthly car insurance costs in Mesquite average $214 for full coverage and $101 for minimum coverage.
To find the best cheap auto insurance in Mesquite, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Mesquite?
| State Farm | $64 | $134 | -41% |
| GEICO | $83 | $162 | -26% |
| Mercury | $83 | $172 | -23% |
| AAA | $93 | $182 | -17% |
| Progressive | $113 | $188 | -10% |
Cheapest Mesquite Car Insurance by Category
State Farm offers the cheapest car insurance in Mesquite for six driver categories. GEICO provides the most affordable rates for drivers with newer cars, bad credit and young motorists.
| Young Drivers | GEICO | $151 |
| Adult Drivers | State Farm | $64 |
| Senior Drivers | State Farm | $74 |
| Drivers With an Accident | State Farm | $76 |
| Drivers With a DUI | State Farm | $105 |
| Drivers With a Speeding Ticket | State Farm | $64 |
| Drivers With Bad Credit | GEICO | $120 |
| Drivers With Newer Cars | GEICO | $90 |
| Drivers With Old Cars | State Farm | $58 |
Compare the Cheapest Mesquite Car Insurance for You
Your driving history and personal details determine your car insurance rates, with costs varying by thousands of dollars between companies. Check the table below to find insurers offering the best rates for drivers like you.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| State Farm | $64 | $764 | -41% |
| Geico | $83 | $992 | -23% |
| Mercury Insurance | $83 | $999 | -22% |
| AAA | $93 | $1,113 | -13% |
| Farmers | $107 | $1,279 | 0% |
Best Car Insurance Companies in Mesquite
In Mesquite, the top car insurance companies are State Farm, Mercury, Progressive, GEICO and AAA. These providers stand out for their competitive rates, quality customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| Mercury | 92 | 3 | 5 | 4 |
| Progressive | 91 | 5 | 2 | 2 |
| GEICO | 91 | 2 | 6 | 6 |
| AAA | 89 | 4 | 4 | 6 |
State Farm: Best Overall Value
pros
Lowest rates in Mesquite
Strong customer service ratings
Multiple coverage discounts available
cons
Limited add-on coverage options
Higher rates for newer vehicles
COMPANY HIGHLIGHTS
State Farm ranks as Mesquite's top car insurance provider, offering the city's most affordable rates. The company stands out for its excellent customer service and consistently low premiums. State Farm leads in multiple categories, including coverage for adult drivers, seniors, and even high-risk drivers with accidents or DUIs. Their local presence helps deliver personalized service while maintaining competitive rates.
Mercury: Best Runner-Up
pros
Competitive rates for most drivers
Good coverage options
Reliable claims service
cons
Limited digital tools
Fewer discounts than competitors
COMPANY HIGHLIGHTS
Mercury delivers reliable coverage with balanced pricing in Mesquite. Their strong customer service ratings and comprehensive coverage options earn them the second spot in our rankings. While their rates run slightly higher than State Farm's, they remain well below the city average. Mercury particularly excels in coverage options, offering more add-ons than many competitors.
How Much Is Car Insurance in Mesquite?
In Mesquite, minimum coverage costs about $101 per month or $1,216 per year, ranking 1,459th out of all Texas cities for affordability. Full coverage averages $214 monthly or $2,563 annually, ranking 1,433rd among Texas cities.
| Full Coverage | $214 | $2,563 |
| Minimum Coverage | $101 | $1,216 |
Mesquite Car Insurance Cost by Category
In Mesquite, monthly coverage costs vary from $92 to $497 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $238 | $472 |
| Adult Drivers | $101 | $214 |
| Senior Drivers | $132 | $258 |
| Drivers With an Accident | $145 | $300 |
| Drivers With a DUI | $161 | $321 |
| Drivers With a Speeding Ticket | $120 | $255 |
| Drivers With Bad Credit | $229 | $497 |
| Drivers With Newer Cars | $124 | $264 |
| Drivers With Old Cars | $92 | $193 |
Mesquite Car Insurance Costs by ZIP Code
In Mesquite, car insurance rates by ZIP code range from $78 to $238 per month. ZIP code 75149 is the most expensive, while 75150 is the cheapest. Check the average rates for your ZIP code on the table below.
Data filtered by:Results filtered by:
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ZIP Code:75149
| 75149 | $117 | $238 |
Compare Personalized Mesquite Car Insurance Costs
Filter the table below to see average car insurance rates based on your age, driving record and other personal factors that affect your premium costs in Mesquite.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
Select
Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $106 | $1,270 | 56% |
How to Get the Best Cheap Mesquite Car Insurance
Finding affordable car insurance in Mesquite can feel overwhelming, with local rates higher than many Texas cities and numerous coverage options to sort through. Our step-by-step guide will show you how to secure the coverage you need while keeping your rates as low as possible.
- 1
Calculate your coverage requirements
Start by determining how much coverage you need based on your vehicle's value and your financial situation. Use our car insurance coverage needs calculator to understand your ideal coverage levels. Consider factors like your car's age, your savings, and Mesquite's minimum insurance requirements.
- 2
Explore alternative insurance options
Different types of car insurance can save you money while meeting your needs. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
- 3
Know the average costs
Research average vehicle insurance costs in Mesquite to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying.
- 4
Check available discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, good student discounts and defensive driving courses can also reduce your rates significantly.
- 5
Research insurance company ratings
Investigate each insurer's customer service ratings, claims satisfaction scores and financial strength. Check local reviews from other Mesquite drivers.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites. Each company uses different factors to set rates, so comparing multiple quotes helps you find the best deal for your situation.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new rates. Life changes like improving credit scores, moving within Mesquite, or buying a new car can affect your premiums. Regular policy reviews ensure you maintain the best rates and appropriate coverage.
Cheapest Car Insurance in Mesquite: Bottom Line
Car insurance rates in Mesquite depend on your age, driving record and credit score. State Farm and GEICO offer the lowest average rates in the area, but compare quotes from multiple providers to find your best deal.
Cheap Mesquite Car Insurance: FAQ
Find straightforward answers about getting affordable car insurance in Mesquite that fits your coverage needs. Our FAQ section breaks down your most common questions about local rates and policies.
What is the cheapest car insurance company in Mesquite, Texas?
State Farm offers the lowest rates in Mesquite, with average annual premiums of $764 for minimum coverage and $1,609 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Mesquite?
State Farm leads Mesquite's insurance providers with a MoneyGeek score of 95 out of 100, scoring three points higher than Mercury. State Farm excels in both affordable rates and quality service.
What is the average cost of car insurance in Mesquite?
In Mesquite, drivers pay $2,563 annually for full coverage and $1,216 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Is car insurance in Mesquite expensive?
Car insurance in Mesquite costs more than average, ranking 1,459th for minimum coverage affordability and 1,433rd for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Mesquite, TX
To help Mesquite drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Mesquite Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Mesquite
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.