Car Insurance in Mesquite

State Farm provides the most affordable coverage across nearly all driver profiles in Mesquite. Clean record adult drivers access the lowest rates at $764 annually. Young drivers pay significantly more at $1,758 per year.

Violations impact your wallet noticeably. A DUI increases your annual cost to $1,255 with State Farm, 64% higher than clean record rates. An at-fault accident raises your premium to $906 per year, representing a 19% increase. Speeding tickets 11 to 15 mph over do not increase State Farm's rates in Mesquite.

State Farm delivers the cheapest minimum coverage in Mesquite at $764 per year, 37% below the city average of $1,216. Full coverage costs $1,609 annually with State Farm versus Mesquite's average of $2,563.

GEICO offers competitive alternatives at $992 for minimum coverage and $1,945 for full coverage. State Farm's pricing advantage saves Mesquite drivers roughly $38 monthly for minimum coverage compared to typical city rates.

Adult drivers in Mesquite benefit from the lowest premiums at $764 annually with State Farm. Senior drivers pay $892 per year. Young drivers face costs of $1,758 annually, 130% more than adults.

State Farm maintains its position as the most affordable option across all age categories in Mesquite. Young drivers see the largest rate increases due to limited driving experience and statistically higher accident involvement. These dramatic price differences make shopping around essential, especially for younger drivers.

State Farm offers the best rates for Mesquite drivers with clean records at $764 per year. Speeding tickets 11 to 15 mph over the limit do not change your State Farm premium. You keep paying $764 annually.

More serious violations carry bigger price tags. An at-fault accident increases your cost to $906 per year with State Farm. A DUI jumps to $1,255 annually, $491 more than clean record rates. That is a 64% increase that lasts for years. Keeping your record clean protects both your safety and your budget.

State Farm ranks as Mesquite's top insurance company with a MoneyGeek score of 95, delivering affordable rates alongside dependable customer service. Mercury Insurance scores 92, providing another solid option with competitive pricing and efficient claims processing.

Both insurers demonstrate strong financial stability and fair claims handling. State Farm's combination of the lowest rates and consistent service quality makes it the standout choice for Mesquite residents seeking reliable coverage without overpaying.

Car insurance in Mesquite averages $1,216 per year for minimum coverage and $2,563 per year for full coverage. These rates run higher than Texas statewide averages, reflecting Mesquite's urban density and traffic patterns.

State Farm's rates of $764 for minimum coverage and $1,609 for full coverage sit well below Mesquite averages. This represents potential annual savings of $452 for minimum coverage and $954 for full coverage compared to typical Mesquite premiums.

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.

Car insurance in Mesquite costs more than many Texas cities and sorting through coverage options gets complicated fast. Here's how to find the coverage you need without overpaying.

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.

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.

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.