Compare the Cheapest Car Insurance Quotes in Mesquite, TX

The average car insurance rate in Mesquite is around $1,406 per year, which is more expensive than average premiums in Texas and lower than the national average. Farmers has an average rate of $878 per year, making it the cheapest widely available insurer in the city. In addition to evaluating the cheapest policies, MoneyGeek also identified the best providers for drivers who want to prioritize service quality and price.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 12/7/2022
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The cheapest car insurance in Mesquite is offered by Farmers, though the best option for you will depend on your driver profile and your desired coverage.

Farmers also offers the best rates in Mesquite for state minimum insurance, whereas State Farm provides the best option if you have a speeding violation on your record.

USAA is the second-lowest in the city overall, but only military personnel and their families are eligible for its policies.

MoneyGeek found that Farmers is the best insurer in Mesquite that balances affordability and stellar customer service.

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The Cheapest and Best Car Insurance in Mesquite

The Cheapest Car Insurance Companies in Mesquite

If you need a full coverage insurance policy in Mesquite, the companies offering the cheapest options are:

  • Farmers: $878 per year
  • GEICO: $939 per year

If you have a military background, USAA may offer your best rates; it ranks third overall for affordability in Mesquite.

Farmers’ policies are 239% cheaper on average than those offered by The General, Mesquite’s most expensive insurer. A full coverage policy combines both comprehensive and collision insurance, but your rates may vary depending on your liability coverage levels.

Cheapest Car Insurance in Mesquite
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Farmers
    $878
  • 2.
    GEICO
    $939
  • 3.
    USAA
    $960
  • 4.
    State Farm
    $1,023
  • 5.
    Esurance
    $1,235
  • 6.
    AAA
    $1,254
  • 7.
    Nationwide
    $1,334
  • 8.
    Allstate
    $1,345
  • 9.
    Mercury
    $1,480
  • 10.
    MetLife
    $1,593
  • 11.
    The General
    $2,983

In accordance with our methodology, MoneyGeek gathered average rates for our sample 40-year old male driver in Mesquite with a full coverage policy. A full coverage policy is costlier than liability or state minimum insurance, but it provides a higher level of protection against car damage due to an accident.

A full coverage policy includes:

  • Collision insurance: protects you from the cost of repairing or replacing your car if it’s damaged in a collision
  • Comprehensive insurance: comes in handy in the event of non-collision damage to your car, such as hail, theft or vandalism

If you have an older model car, a full coverage policy might cost more than your car is worth to insure. In this case, you might consider getting liability-only insurance or even a state minimum policy.

Compare Car Insurance Rates in Mesquite

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Mesquite for Minimum Coverage

State minimum insurance is the least expensive car insurance in Mesquite. The most affordable insurers for state minimum coverage are:

  • Farmers: $454 per year
  • GEICO: $512 per year

USAA is the second-cheapest company at $461 per year, but it’s only available to military members and their families.

Farmers' annual premium is cheaper by $914 than The General, Mesquite's most expensive insurer for state minimum policies.

Although state minimum insurance policies are the cheapest, they do not include comprehensive or collision coverage. They also have lower liability limits, putting you at risk of not being completely protected.

Look at the table below to see how coverage levels might affect your rates.

Cheapest Minimum Liability Car Insurance in Mesquite
State Minimum

Buying the minimum car insurance in Texas is your most budget-friendly option, but it may not be the best option for you.

Minimum insurance in Texas is 30/60/25 plus personal injury protection. It offers the lowest level of protection in the state, only including minimum bodily injury and property damage liability insurance.

It may help you reduce your monthly bill, but it may trouble you with a heavy financial burden after an accident. For instance, if you are in a collision and you have to pay $65,000 for medical expenses, your policy will only cover $30,000 per person (up to $60,000 total if more than one person is involved). This means you could be responsible for paying the difference of $35,000 out of pocket.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Mesquite if You Have Driving Violations

Your driving record is a key factor affecting your car insurance premiums. Having violations like speeding tickets, at-fault accidents or DUIs on your driving record can cause your rates to increase.

The cheapest car insurance companies in Mesquite for drivers with driving violations are:

  • Cheapest after a ticket: State Farm, $1,023 per year
  • Cheapest after an at-fault accident: State Farm, $1,236 per year
  • Cheapest after a DUI: Esurance, $1,235 per year

Drivers with a violation can improve their records over time to qualify for cheaper deals, but in the meantime, it helps to shop around and compare quotes from various insurers to find the best cheap car insurance in Mesquite.

Cheapest Car Insurance in Mesquite With a Violation
Speeding Ticket

Average Cost of Car Insurance in Mesquite

Mesquite$1,406
Texas$1,316
U.S.$1,424

In Mesquite, the average cost of car insurance is $1,406 per year. That is slightly cheaper than the average national annual premium by 1.3%. On the other hand, Mesquite policyholders spend around 6.8% more than the state average in Texas.

Personalized Quotes to Get You the Cheapest Car Insurance in Mesquite

Car insurance rates in Mesquite are based on several factors. These include your age, gender, the make and model of your vehicle, your desired coverage level and even your ZIP code. We recommend that you compare car insurance quotes for several insurers in Mesquite to help you narrow down your options and find the right insurer for you.

Compare Car Insurance Rates in Mesquite

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Mesquite

MoneyGeek ranked Mesquite's auto insurance companies based on their average rates, claims ratings and customer satisfaction scores. The best car insurance companies in Mesquite based on these factors are:

  • Farmers: MoneyGeek score of 93.8 out of 100
  • State Farm: MoneyGeek score of 93.2 out of 100

USAA is the best car insurance company in Mesquite, with its very high overall score of 94.4 out of 100. Because it only covers current or former military personnel and their families, we left it off our list of the best companies.


1
Farmers
Score:94

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

Farmers ranked first in affordability and has high scores in claims, stability and user satisfaction. On average, you'll spend around $878 yearly in Mesquite for its full coverage insurance. It offers the uncommon original equipment manufacturer (OEM) coverage.

More About Farmers

OEM coverage pays for the use of factory-original components in covered repairs for vehicles up to 10 years old. If the damage is restricted to glass, its glass deductible modification coverage decreases the comprehensive deductible to $100. The expenses connected with repairing or replacing aftermarket equipment, such as infotainment systems and custom wheels, are covered under Farmers’ custom parts coverage.

Read MoneyGeek's Farmers auto Insurance Review
2
State Farm
Score:93

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm ranked first in stability and second in affordability while earning high scores in claims and satisfaction. For State Farm’s full coverage policy in Mesquite, you pay around $1,023 per year on average. It offers an uncommon ridesharing insurance add-on.

More About State Farm

State Farm's rideshare insurance keeps your medical, roadside assistance and rental car reimbursement in effect when you drive for a ridesharing company. The coverage extends your auto insurance while you're waiting to be hired. State Farm also offers two common add-ons (roadside assistance and rental car and/or travel reimbursement) in Mesquite.

Read MoneyGeek's State Farm auto Insurance Review

Average Cost of Car Insurance by Postal Code

Your ZIP code can affect your car insurance rates. Neighborhoods with a high number of accidents, car theft cases or uninsured motorists tend to have higher premiums.

If you live in the 75150 ZIP code of Mesquite, you can expect your car insurance premiums to be about $1,381, which is $50 lower than rates for those living in the 75149 ZIP code. Take a look at our guide on car insurance in Texas to help you understand car insurance rates by postal code in the state.

  • Zip Code
    State Minimumper year
  • 75150
    $1,381
  • 75149
    $1,431

Factors That Impact Insurance Costs in Mesquite

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Mesquite. How Mesquite ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities154th/300
handcuffs2 icon
Most Car Thefts144th/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall142nd/300
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Most Rainy Days190th/300

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.