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State Farm offers the cheapest rates full and minimum coverage car insurance in Mesquite. It’s also the least expensive to have after an at-fault accident. Texas Farm Bureau is the cheapest for folks with speeding tickets and ranks highly for members of the military. Mesquite is unique, though, in that many insurance companies rank highly in different low-cost categories, giving you lots of options.

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2023

Cheapest and Best Car Insurance in Mesquite, TX

Cheapest Minimum Liability Car Insurance in Mesquite

In Mesquite, we found these companies are the cheapest for a minimum coverage policy:

  • State Farm: $419 per year
  • Mercury: $444 per year

Mesquite's most expensive insurer is Dairyland, charging $1,325 per year. The city's overall average for liability insurance is $639, making it the 6th most expensive Texas city for minimum coverage. Beyond the city, State Farm offers the cheapest minimum coverage car insurance in Texas at $300 per year. As location affects price, Mesquite offers higher-than-average premiums.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$386

$32

State Farm

$391

$33

State Farm

$419

$35

Mercury

$444

$37

Texas Farm Bureau

$445

$37

Allstate

$456

$38

Allstate

$469

$39

Mercury

$486

$40

State Farm

$513

$43

Nationwide

$550

$46

GEICO

$570

$48

Texas Farm Bureau

$571

$48

Allstate

$573

$48

AAA Texas

$574

$48

Nationwide

$576

$48

Mercury

$579

$48

GEICO

$598

$50

AAA Texas

$605

$50

Progressive

$625

$52

Progressive

$640

$53

GEICO

$652

$54

Chubb

$679

$57

National General

$735

$61

AAA Texas

$736

$61

Chubb

$745

$62

Progressive

$755

$63

State Farm

$756

$63

National General

$759

$63

Texas Farm Bureau

$776

$65

Nationwide

$777

$65

Foremost

$792

$66

State Farm

$829

$69

Foremost

$931

$78

Allstate

$932

$78

National General

$934

$78

Nationwide

$937

$78

Texas Farm Bureau

$937

$78

Mercury

$981

$82

GEICO

$1,008

$84

Allstate

$1,018

$85

GEICO

$1,027

$86

Mercury

$1,034

$86

State Farm

$1,067

$89

Foremost

$1,090

$91

Nationwide

$1,152

$96

Texas Farm Bureau

$1,157

$96

AAA Texas

$1,165

$97

AAA Texas

$1,171

$98

GEICO

$1,204

$100

Dairyland

$1,280

$107

Chubb

$1,309

$109

Dairyland

$1,325

$110

Mercury

$1,343

$112

Allstate

$1,364

$114

Chubb

$1,374

$114

Nationwide

$1,396

$116

Progressive

$1,510

$126

National General

$1,527

$127

AAA Texas

$1,528

$127

Progressive

$1,569

$131

Dairyland

$1,570

$131

Chubb

$1,580

$132

Foremost

$1,635

$136

National General

$1,669

$139

Foremost

$1,765

$147

National General

$1,882

$157

Progressive

$1,965

$164

Dairyland

$2,108

$176

Foremost

$2,199

$183

Dairyland

$2,335

$195

Chubb

$2,467

$206

Dairyland

$2,857

$238

Texas has minimum insurance coverage for bodily injury and property damage:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

If you have liability-only auto insurance, you're only covered for damage to others. With minimum coverage, your insurer pays up to $30,000 in medical expenses per person in the other car, up to $60,000 per accident. If costs exceed this amount, you're responsible for covering them.

Cheapest Full Coverage Car Insurance in Mesquite

In Mesquite, we found these companies are the cheapest for full coverage policies:

  • State Farm: $829 per year
  • Texas Farm Bureau: $937 per year

Mesquite's most expensive full coverage insurance rate comes from Dairyland at $2,335 annually. Mesquite's average full coverage insurance price is $1,302 per year, making it the 5th most expensive city in Texas for car insurance. Statewide, State Farm is the cheapest minimum coverage car insurer at about $711 per year.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$386

$32

State Farm

$391

$33

State Farm

$419

$35

Mercury

$444

$37

Texas Farm Bureau

$445

$37

Allstate

$456

$38

Allstate

$469

$39

Mercury

$486

$40

State Farm

$513

$43

Nationwide

$550

$46

GEICO

$570

$48

Texas Farm Bureau

$571

$48

Allstate

$573

$48

AAA Texas

$574

$48

Nationwide

$576

$48

Mercury

$579

$48

GEICO

$598

$50

AAA Texas

$605

$50

Progressive

$625

$52

Progressive

$640

$53

GEICO

$652

$54

Chubb

$679

$57

National General

$735

$61

AAA Texas

$736

$61

Chubb

$745

$62

Progressive

$755

$63

State Farm

$756

$63

National General

$759

$63

Texas Farm Bureau

$776

$65

Nationwide

$777

$65

Foremost

$792

$66

State Farm

$829

$69

Foremost

$931

$78

Allstate

$932

$78

National General

$934

$78

Nationwide

$937

$78

Texas Farm Bureau

$937

$78

Mercury

$981

$82

GEICO

$1,008

$84

Allstate

$1,018

$85

GEICO

$1,027

$86

Mercury

$1,034

$86

State Farm

$1,067

$89

Foremost

$1,090

$91

Nationwide

$1,152

$96

Texas Farm Bureau

$1,157

$96

AAA Texas

$1,165

$97

AAA Texas

$1,171

$98

GEICO

$1,204

$100

Dairyland

$1,280

$107

Chubb

$1,309

$109

Dairyland

$1,325

$110

Mercury

$1,343

$112

Allstate

$1,364

$114

Chubb

$1,374

$114

Nationwide

$1,396

$116

Progressive

$1,510

$126

National General

$1,527

$127

AAA Texas

$1,528

$127

Progressive

$1,569

$131

Dairyland

$1,570

$131

Chubb

$1,580

$132

Foremost

$1,635

$136

National General

$1,669

$139

Foremost

$1,765

$147

National General

$1,882

$157

Progressive

$1,965

$164

Dairyland

$2,108

$176

Foremost

$2,199

$183

Dairyland

$2,335

$195

Chubb

$2,467

$206

Dairyland

$2,857

$238

Full coverage policies usually include collision and comprehensive coverage.

  • Collision insurance pays for repairs or replacements if your car is in an accident.
  • Comprehensive insurance covers the costs of damages from vandalism, theft, or natural disasters.

In the case of an old vehicle, you might not be a good candidate for such a policy because it may be more expensive than the value of your car.

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Cheapest Car Insurance in Mesquite After a Driving Offense

These Mesquite companies are the cheapest for full coverage if you have any of these driving violations:

  • Speeding ticket: State Farm ($829 per year)
  • At-fault accident: State Farm ($1,033 per year)
  • DUI: Mercury ($1,345 per year)

In contrast, Dairyland is Mesquite's priciest full coverage insurer after a speeding ticket at $2,879 annually. Foremost is the most expensive for accidents at $3,835, and Chubb costs the most for DUIs at $3,094. Your insurance rates will almost be higher if you have a poor driving record, even if you use Mesquite's cheapest car insurance company.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$386

$32

State Farm

$391

$33

State Farm

$419

$35

Texas Farm Bureau

$445

$37

Allstate

$456

$38

Allstate

$469

$39

State Farm

$503

$42

State Farm

$513

$43

State Farm

$535

$45

Texas Farm Bureau

$571

$48

Allstate

$573

$48

Mercury

$624

$52

State Farm

$638

$53

Mercury

$642

$53

GEICO

$646

$54

Nationwide

$651

$54

Nationwide

$677

$56

GEICO

$680

$57

Progressive

$694

$58

Texas Farm Bureau

$707

$59

GEICO

$708

$59

Chubb

$733

$61

Progressive

$751

$63

Mercury

$752

$63

State Farm

$756

$63

Progressive

$758

$63

Texas Farm Bureau

$760

$63

Mercury

$766

$64

AAA Texas

$771

$64

Texas Farm Bureau

$776

$65

State Farm

$780

$65

Allstate

$782

$65

GEICO

$782

$65

Mercury

$783

$65

Allstate

$802

$67

Chubb

$805

$67

State Farm

$812

$68

AAA Texas

$814

$68

Mercury

$815

$68

Progressive

$820

$68

State Farm

$829

$69

Allstate

$834

$70

National General

$835

$70

Progressive

$839

$70

GEICO

$845

$70

National General

$848

$71

Allstate

$857

$71

GEICO

$862

$72

National General

$863

$72

AAA Texas

$866

$72

National General

$882

$73

Nationwide

$888

$74

Foremost

$891

$74

Texas Farm Bureau

$893

$74

Progressive

$905

$75

AAA Texas

$909

$76

State Farm

$915

$76

AAA Texas

$915

$76

Nationwide

$917

$76

Allstate

$932

$78

Texas Farm Bureau

$937

$78

Mercury

$947

$79

Nationwide

$952

$79

Foremost

$952

$79

State Farm

$955

$80

AAA Texas

$959

$80

Texas Farm Bureau

$978

$82

Allstate

$980

$82

AAA Texas

$990

$83

Progressive

$1,004

$84

GEICO

$1,006

$84

GEICO

$1,007

$84

Chubb

$1,013

$84

Allstate

$1,018

$85

State Farm

$1,033

$86

Texas Farm Bureau

$1,035

$86

Allstate

$1,047

$87

Foremost

$1,055

$88

National General

$1,059

$88

National General

$1,061

$88

State Farm

$1,067

$89

GEICO

$1,102

$92

Progressive

$1,107

$92

AAA Texas

$1,113

$93

Chubb

$1,113

$93

Mercury

$1,125

$94

Foremost

$1,137

$95

Nationwide

$1,140

$95

Nationwide

$1,146

$95

National General

$1,153

$96

Texas Farm Bureau

$1,157

$96

Progressive

$1,166

$97

AAA Texas

$1,167

$97

Nationwide

$1,175

$98

Foremost

$1,193

$99

GEICO

$1,195

$100

GEICO

$1,198

$100

National General

$1,206

$100

Mercury

$1,232

$103

Nationwide

$1,253

$104

Foremost

$1,255

$105

State Farm

$1,296

$108

Dairyland

$1,298

$108

Chubb

$1,326

$111

GEICO

$1,336

$111

Dairyland

$1,343

$112

Mercury

$1,345

$112

Nationwide

$1,346

$112

Texas Farm Bureau

$1,353

$113

Texas Farm Bureau

$1,353

$113

Allstate

$1,364

$114

Nationwide

$1,368

$114

National General

$1,381

$115

Chubb

$1,414

$118

Mercury

$1,421

$118

State Farm

$1,446

$120

GEICO

$1,446

$121

Chubb

$1,457

$121

GEICO

$1,479

$123

Chubb

$1,483

$124

Allstate

$1,515

$126

State Farm

$1,524

$127

AAA Texas

$1,531

$128

AAA Texas

$1,533

$128

Mercury

$1,535

$128

Texas Farm Bureau

$1,554

$130

Texas Farm Bureau

$1,576

$131

Nationwide

$1,590

$133

Dairyland

$1,592

$133

Allstate

$1,598

$133

Nationwide

$1,608

$134

GEICO

$1,613

$134

Allstate

$1,625

$135

Mercury

$1,696

$141

AAA Texas

$1,700

$142

AAA Texas

$1,701

$142

Allstate

$1,705

$142

Chubb

$1,708

$142

Dairyland

$1,713

$143

Mercury

$1,722

$143

Nationwide

$1,725

$144

National General

$1,775

$148

Progressive

$1,776

$148

AAA Texas

$1,776

$148

AAA Texas

$1,776

$148

State Farm

$1,786

$149

Mercury

$1,798

$150

Progressive

$1,799

$150

GEICO

$1,816

$151

Dairyland

$1,824

$152

Foremost

$1,866

$155

Texas Farm Bureau

$1,884

$157

National General

$1,894

$158

GEICO

$1,896

$158

GEICO

$1,897

$158

Dairyland

$1,903

$159

Texas Farm Bureau

$1,927

$161

Progressive

$1,927

$161

Dairyland

$1,952

$163

Chubb

$1,956

$163

Progressive

$1,959

$163

National General

$1,988

$166

Foremost

$1,993

$166

Nationwide

$1,995

$166

AAA Texas

$2,006

$167

National General

$2,008

$167

Foremost

$2,009

$167

Mercury

$2,028

$169

Foremost

$2,028

$169

Chubb

$2,053

$171

Dairyland

$2,066

$172

Nationwide

$2,112

$176

Dairyland

$2,127

$177

National General

$2,132

$178

Allstate

$2,181

$182

Foremost

$2,182

$182

Progressive

$2,191

$183

Nationwide

$2,212

$184

AAA Texas

$2,229

$186

Dairyland

$2,255

$188

Allstate

$2,292

$191

AAA Texas

$2,328

$194

Progressive

$2,343

$195

Dairyland

$2,353

$196

Chubb

$2,362

$197

National General

$2,362

$197

Texas Farm Bureau

$2,383

$199

Foremost

$2,391

$199

Foremost

$2,436

$203

National General

$2,448

$204

Progressive

$2,477

$206

Mercury

$2,498

$208

Mercury

$2,499

$208

Foremost

$2,528

$211

Chubb

$2,561

$213

Foremost

$2,564

$214

Progressive

$2,571

$214

Nationwide

$2,637

$220

Chubb

$2,666

$222

National General

$2,668

$222

Chubb

$2,688

$224

National General

$2,719

$227

Dairyland

$2,879

$240

Dairyland

$2,879

$240

Dairyland

$2,923

$244

Progressive

$2,935

$245

Chubb

$3,094

$258

Dairyland

$3,252

$271

Dairyland

$3,255

$271

Dairyland

$3,457

$288

Dairyland

$3,630

$303

Chubb

$3,690

$308

Foremost

$3,835

$320

Foremost

$4,496

$375

Foremost

$4,553

$379

Chubb

$4,834

$403

Generally, the more severe the violation, the higher the insurance cost. For example, the lowest insurance cost of getting a DUI in Mesquite is about $900 more than driving with a speeding ticket. Therefore, you must compare rates to find the cheapest car insurance for drivers with poor driving records.

Cheapest Car Insurance in Mesquite for Teens and Their Families

If you add a 16-year-old to your family policy in Mesquite, your total family premium average costs may be the lowest with these companies:

  • Nationwide: $1,698 (female drivers); $1,936 (male drivers)
  • State Farm: $2,158 (female drivers); $2,609 (male drivers)

On average, Allstate costs the most for families who add 16-year-old drivers, at $7,411 total for female and $8,722 for male drivers. Adding a teen girl to a policy costs less than adding a teen boy because, statistically, teen boys are deemed higher risk. Barring other issues, the price gap generally decreases as teens enter adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$767

$3,608

State Farm

$893

$4,204

State Farm

$916

$4,907

State Farm

$962

$4,528

Nationwide

$1,114

$2,540

Nationwide

$1,127

$2,734

Nationwide

$1,177

$3,410

Nationwide

$1,247

$3,916

Nationwide

$1,254

$2,859

Nationwide

$1,273

$3,192

State Farm

$1,282

$4,334

Nationwide

$1,322

$3,015

Nationwide

$1,332

$3,230

Nationwide

$1,344

$3,653

State Farm

$1,403

$5,196

Nationwide

$1,412

$3,426

State Farm

$1,439

$4,867

State Farm

$1,520

$6,003

Nationwide

$1,582

$5,557

State Farm

$1,583

$5,354

Nationwide

$1,614

$6,533

Nationwide

$1,651

$4,781

State Farm

$1,684

$7,167

Nationwide

$1,698

$7,063

GEICO

$1,706

$3,190

State Farm

$1,714

$6,346

GEICO

$1,724

$3,850

GEICO

$1,728

$3,074

Nationwide

$1,734

$7,018

GEICO

$1,748

$3,269

GEICO

$1,752

$3,117

State Farm

$1,759

$6,608

GEICO

$1,764

$3,847

GEICO

$1,789

$3,513

Nationwide

$1,790

$7,108

GEICO

$1,825

$3,413

GEICO

$1,827

$3,524

Nationwide

$1,840

$8,268

GEICO

$1,848

$3,288

Nationwide

$1,858

$5,833

Allstate

$1,881

$2,503

Nationwide

$1,936

$8,945

State Farm

$1,937

$8,137

Nationwide

$1,978

$8,888

GEICO

$2,025

$5,156

Allstate

$2,025

$2,580

GEICO

$2,042

$4,561

State Farm

$2,093

$9,057

GEICO

$2,102

$5,251

State Farm

$2,109

$7,920

GEICO

$2,134

$4,657

State Farm

$2,153

$9,043

State Farm

$2,158

$10,013

GEICO

$2,196

$6,169

Progressive

$2,211

$3,444

Allstate

$2,281

$3,035

GEICO

$2,288

$6,343

Progressive

$2,299

$5,642

Progressive

$2,301

$3,406

Allstate

$2,317

$3,562

State Farm

$2,343

$10,171

Allstate

$2,432

$3,236

GEICO

$2,449

$6,878

Foremost

$2,474

$4,093

Progressive

$2,499

$6,108

GEICO

$2,516

$8,151

Foremost

$2,543

$3,521

GEICO

$2,591

$7,182

State Farm

$2,601

$11,289

State Farm

$2,609

$12,516

Progressive

$2,624

$3,883

Allstate

$2,660

$3,388

GEICO

$2,662

$8,615

Foremost

$2,666

$3,691

Foremost

$2,677

$3,874

Progressive

$2,678

$4,171

Foremost

$2,701

$3,740

Allstate

$2,717

$4,145

Foremost

$2,733

$4,659

Allstate

$2,747

$4,041

Progressive

$2,748

$7,659

Foremost

$2,762

$3,697

Progressive

$2,770

$4,889

Progressive

$2,812

$5,286

Progressive

$2,825

$6,933

Progressive

$2,851

$4,219

Allstate

$2,931

$3,733

Progressive

$2,963

$4,615

Foremost

$2,969

$3,974

Foremost

$3,025

$4,381

Foremost

$3,096

$4,144

Progressive

$3,111

$8,742

Allstate

$3,211

$4,721

Progressive

$3,259

$7,965

Foremost

$3,265

$10,927

Foremost

$3,358

$11,074

Foremost

$3,403

$11,390

Progressive

$3,491

$15,719

Foremost

$3,533

$11,651

Foremost

$3,621

$7,117

Allstate

$3,652

$6,541

Foremost

$3,657

$7,209

Allstate

$3,762

$5,534

Foremost

$3,853

$16,370

Progressive

$3,886

$17,642

Progressive

$3,901

$18,324

Foremost

$4,009

$6,834

Foremost

$4,014

$16,983

Foremost

$4,088

$6,762

Progressive

$4,143

$18,653

Progressive

$4,292

$20,226

Allstate

$4,308

$7,744

Allstate

$4,445

$6,536

Progressive

$4,534

$20,586

Allstate

$5,590

$7,884

Allstate

$6,572

$9,287

Allstate

$6,844

$9,653

Allstate

$7,411

$13,823

Allstate

$8,047

$11,371

Allstate

$8,722

$16,317

Almost universally, you should add your teen to your family policy instead of getting them their own policy. While adding them may raise your rate by as little as a couple of hundred dollars, a separate teen policy can cost thousands. In Mesquite, individual teen policies range from approximately $3,029 (female drivers) with State Farm to $12,834 (male drivers) with Progressive. Yes, that comma is in the right place! The best way to get the lowest rates for teen car insurance is to shop around.

Cheapest Car Insurance in Mesquite for Military Drivers

When looking at all aspects of the companies, the best cheap full coverage car insurance companies for military members, veterans, in families in Mesquite are:

  • State Farm: $829 per year
  • USAA: $964 per year

If you're interested in minimum coverage insurance, the best options for military members, veterans, and families are the same—USAA at $440 and Texas Farm Bureau at $445.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$386

$32

State Farm

$391

$33

State Farm

$419

$35

USAA

$440

$37

Mercury

$444

$37

Texas Farm Bureau

$445

$37

Allstate

$456

$38

Allstate

$469

$39

USAA

$470

$39

Mercury

$486

$40

State Farm

$513

$43

USAA

$530

$44

Nationwide

$550

$46

GEICO

$570

$48

Texas Farm Bureau

$571

$48

Allstate

$573

$48

AAA Texas

$574

$48

Nationwide

$576

$48

Mercury

$579

$48

GEICO

$598

$50

AAA Texas

$605

$50

Progressive

$625

$52

Progressive

$640

$53

GEICO

$652

$54

Chubb

$679

$57

National General

$735

$61

AAA Texas

$736

$61

Chubb

$745

$62

Progressive

$755

$63

State Farm

$756

$63

National General

$759

$63

Texas Farm Bureau

$776

$65

Nationwide

$777

$65

Foremost

$792

$66

State Farm

$829

$69

Foremost

$931

$78

Allstate

$932

$78

National General

$934

$78

Nationwide

$937

$78

Texas Farm Bureau

$937

$78

USAA

$949

$79

USAA

$964

$80

Mercury

$981

$82

GEICO

$1,008

$84

Allstate

$1,018

$85

GEICO

$1,027

$86

Mercury

$1,034

$86

State Farm

$1,067

$89

Foremost

$1,090

$91

Nationwide

$1,152

$96

Texas Farm Bureau

$1,157

$96

AAA Texas

$1,165

$97

AAA Texas

$1,171

$98

USAA

$1,175

$98

GEICO

$1,204

$100

Dairyland

$1,280

$107

Chubb

$1,309

$109

Dairyland

$1,325

$110

Mercury

$1,343

$112

Allstate

$1,364

$114

Chubb

$1,374

$114

Nationwide

$1,396

$116

Progressive

$1,510

$126

National General

$1,527

$127

AAA Texas

$1,528

$127

Progressive

$1,569

$131

Dairyland

$1,570

$131

Chubb

$1,580

$132

Foremost

$1,635

$136

National General

$1,669

$139

Foremost

$1,765

$147

National General

$1,882

$157

Progressive

$1,965

$164

Dairyland

$2,108

$176

Foremost

$2,199

$183

Dairyland

$2,335

$195

Chubb

$2,467

$206

Dairyland

$2,857

$238

How to Compare Cheap Mesquite Car Insurance Quotes Online

Comparing car insurance options is essential no matter why you need a new insurer. We recommend looking at at least three options. But, that can be time-consuming and put a lot of your personal details out there. If you use company websites, you may have to put in a bunch of personal information each time. And, an individual quote's form could take up to 15 minutes, so you're nearing an hour just by searching for companies and filling in forms.

You can simplify and speed up the process using MoneyGeek's car insurance calculator. With basic information like your age, vehicle type, level of coverage and driving record, you can receive a fast estimate of your car insurance costs.

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Best Car Insurance in Mesquite: Summary

Choosing the right car insurance company depends on what's important to you, like cost and service quality.

Here are the best Mesquite car insurance companies according to our weighted analyses:

  • Best Overall: Texas Farm Bureau (MoneyGeek score of 79 out of 100)
  • Best Cheap Insurance: Texas Farm Bureau (MoneyGeek score 80 out of 100)
  • Best for Service: Chubb (MoneyGeek score 76 out of 100)

Texas Farm Bureau was rated first as the best overall and inexpensive insurance. Foremost came in first for customer service. Where you live and your driving history may affect which Mesquite car insurance company is right for you.

Best Overall Car Insurance in Mesquite

When factoring in a bit of everything, the top full coverage car insurance companies in Mesquite, Texas, are:

  • Texas Farm Bureau: MoneyGeek score of 79 out of 100 ($937 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($829 per year)

Texas Farm Bureau came in second for claims satisfaction, customer satisfaction and affordability. So, how did it end up first? Because the others varied more! Based on our survey, you should be able to find reliable service from Texas Farm Bureau.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

#2 in customer satisfaction

#2 in affordability

#2 in claims management

Offers rental car and travel reimbursement

cons

Mediocre coverage score

COMPANY HIGHLIGHTS

Texas Farm Bureau doesn't have a ton of add-on coverages, but it does offer rental car/travel reimbursement, roadside assistance and rideshare insurance. If your car needs a ton of repairs after a covered incident, it may cover the price of a rental car or travel costs. If you get stuck at the side of the road, Texas Farm Bureau could send someone to help. And, unlike some insurers, you can use your Texas Farm Bureau-insured car to drive for a rideshare service.

Texas Farm Bureau makes up for what it may not offer in optional coverages in the number of available discounts. You could get some money off your premium by ensuring your car has an anti-theft system or being a safe driver (meaning you have no claims). It also offers discounts for those who bundle their car insurance with other types of insurance or put multiple cars on their policy. If you have a teen or young adult driver on your policy, they may be eligible for good student or driver's education discounts.

Given the high scores in several areas, Texas Farm Bureau is worth considering when comparing Mesquite car insurance options.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Mesquite for Customer Service

If customer service is your main concern, excluding cost, these Mesquite full coverage car insurance options may be worth investigating:

  • Chubb: MoneyGeek score 76 out of 100 ($1,580 per year)
  • Foremost: MoneyGeek score 65 out of 100 ($1,635 per year)

These scores represent the weighted system used for this category. Though the prices are higher than many other options on this page, the companies are still cheaper than many competitors. Plus, the extra cost helps ensure customer service reps are at the top of their games.

How was this MoneyGeek score calculated?

Chubb

pros

#1 in stability

#1 in claims management

More discounts than average

cons

Less affordable than others

COMPANY HIGHLIGHTS

Chubb showed up as the best Mesquite car insurance company for customer service. Despite Chubb costing more than many other affordable companies, this comes in exchange for unique coverages and discounts that could save you money.

If you get into an accident, Chubb offers three coverages to help you save money: diminished value, original equipment manufacturer (OEM) and rental car/travel insurance coverage. Diminished value increases can increase the amount you receive in reimbursement if your car is totaled. If your vehicle needs repair, you could get original equipment put in your car instead of similar replacement parts. While your car gets fixed, you may also qualify for a rental car or travel expense reimbursement.

Chubb also has seven discount options, running from a fairly standard bundling discount for combining types of insurance into one plan to genuinely unique ones. Some noteworthy options are VIN etching, where you get a discount for having your VIN on your windshield; daytime running lights; and a tracking device that monitors driver safety issues.

Best Cheap Car Insurance in Mesquite

The highest-scoring affordable minimum coverage car insurance policies in Mesquite are:

  • Texas Farm Bureau: MoneyGeek score 80 out of 100 ($445 per year)
  • State Farm: MoneyGeek score 78 out of 100 ($419 per year)

Minimum coverage insurance is cheaper because it covers less. Any time you use this insurance, it's likely to only help the people with whom you got into an at-fault accident. However, if your car is old or not worth a ton of money, it may be cheaper to get a new vehicle after an incident than pay the monthly costs of full coverage.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

#1 in many Texas cities for cheap insurers

#2 in Mesquite for customer satisfaction when weighted for cheapness

#3 for most affordable insurance in Mesquite

cons

Ranks low in coverage

COMPANY HIGHLIGHTS

Texas Farm Bureau has the best cheap car insurance in Mesquite when weighted for that category and factoring in only the minimum coverage option. It has a great reputation statewide, too, being ranked #1 in this category in many cities.

Even with the affordability, it doesn't slack off regarding customer service. If you have a question or concern, workers should be available more easily than many other companies.

You may or may not be eligible for discounts and additional coverage if you have minimum coverage. The best way to find it is to contact Texas Farm Bureau directly to see if you can get rideshare, roadside, or rental options with minimum coverage.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Mesquite

The average cost of full coverage auto insurance in Mesquite is $1,302 per year, slightly less than the state average of $1,316 and significantly more than the national average of $884. Location can significantly affect costs.

An average full coverage policy covers $100,000 for bodily injury liability per person, $300,000 for accident compensation and $100,000 for property damage.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.