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.
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.
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.
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.
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.
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.
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?
#2 in customer satisfaction
#2 in affordability
#2 in claims management
Offers rental car and travel reimbursement
Mediocre coverage score
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.
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?
#1 in stability
#1 in claims management
More discounts than average
Less affordable than others
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?
#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
Ranks low in coverage
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.
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