Cheapest and Best Car Insurance in Mesquite, TX (2024)

The most affordable insurance in Mesquite varies: for minimum coverage, Texas Farm Bureau leads; for full coverage, Texas Farm Bureau remains the cheapest, yet for families with teens, Nationwide offers the lowest rates. Furthermore, while Chubb excels in customer service, it also secures the title for the best overall provider, indicating it offers the best balance between cost and service quality. Your ideal choice will still be influenced by your personal coverage requirements and preferences.

MoneyGeek found that Texas Farm Bureau is the option with the cheapest car insurance in Mesquite for minimum coverage policies.

• Texas Farm Bureau: $445 per year
• Mercury: $491 per year

The most expensive minimum coverage car insurance in Mesquite is provided by Dairyland, with an annual rate of $2,517. This exemplifies a significant difference of $2,072 when compared to Texas Farm Bureau, the cheapest option.

In Texas, from Mesquite to Marfa, the Lone Star State dictates the minimum required car insurance coverages. Here's the essential info:

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

For example, if you're in a fender bender that leads to $35,000 in bodily injury costs per individual involved, your minimum coverage would be up to $30,000. The rest would have to come out of your pocket. These limits are well-established baseline protections for Texans on the road.

MoneyGeek found that Texas Farm Bureau is the cheapest option in Mesquite for those seeking cheapest full coverage car insurance. When it comes to saving on your annual car insurance rates, consider the following providers:

• Texas Farm Bureau: $937 per year
• State Farm: $1,186 per year

Dairyland holds the position for the most expensive full coverage policy in Mesquite at $4,844 annually. With a significant $3,907 difference between the cheapest and most expensive options, this highlights why it is crucial to shop around. Full coverage policies cost more because they provide comprehensive protection against a wide range of incidents.

The MoneyGeek sample policy for full coverage in Mesquite elevates the liability protection substantially above the minimum required. It encompasses $100,000 for bodily injury liability for each individual, totals $300,000 for bodily injury liability per accident, and allowance for $100,000 in property damage liability each accident. A policy with these parameters is typically referenced as a 100/300/100 plan.

Full coverage insurance extends beyond elevated liability limits; it also includes comprehensive and collision coverage:

• Collision Insurance: This form of insurance is crucial as it covers the cost of repairs to your vehicle when it collides with another vehicle or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage is essential for paying for the repairs to your vehicle due to non-collision incidents, such as theft or natural disasters like a tree or light pole. It also covers rollover accidents and pothole damage.

For owners of new vehicles, it is prudent to opt for full coverage insurance. On the contrary, for older vehicles, the cost of additional coverage might supersede the benefits. The key to determining the appropriate amount of car insurance is finding the balance between higher premiums associated with more coverage and the risk of inadequate coverage.

MoneyGeek found that the Texas Farm Bureau is the cheapest option in Mesquite for drivers with a poor driving record looking for full coverage policies across various traffic offenses. Depending on the nature of the offense, the most affordable annual premium differs:

• Speeding Ticket: Texas Farm Bureau ($937 per year)
• At-fault accident: State Farm ($1,477 per year)
• DUI: Progressive ($1,620 per year)

Conversely, Dairyland consistently has the highest rates for all three incidents, highlighting the significance of comparing rates. Notably, the difference between the cheapest rates after a speeding ticket and a DUI is substantial, with a $946 difference.

In Mesquite, insurance rates escalate with the severity of a driving offense due to the increased risk insurers take on when covering drivers with infractions. As an example, drivers in Mesquite with a DUI face an average annual rate of $3,992, while those caught speeding may see rates around $3,205. This substantial difference underscores the importance of comparing insurance rates for those with offenses, as finding the most competitive rates can lead to significant savings.

MoneyGeek found that Nationwide offers the cheapest full coverage car insurance for male and female teens in Mesquite. Find the cheapest car insurance for teens and see how you could save on your premiums.

• Nationwide: $1,698 per year for female teens and $1,936 per year for male teens
• State Farm: $2,158 per year for female teens and $2,609 per year for male teens

These rates reflect the combined annual premiums for a policy covering two parents and a teenage driver. Allstate holds the title for the most expensive teen family policy in Mesquite, with a $7,411 annual rate for female teens. The difference in cost between the cheapest (Nationwide) and the most expensive (Allstate) is $5,713 for female teens, underscoring the importance of comparison shopping, especially for higher-risk drivers like teenagers.

In Mesquite, as in many cities across the USA, young drivers seeking car insurance can expect significantly higher rates when purchasing an individual policy. On average, an individual annual premium for teen drivers is approximately $7,850, in stark contrast to an average family annual premium of just over $4,039.

This substantial difference in rates is primarily because teens pose a higher risk on the road due to their lack of driving experience. Insurers often view teens as high-risk clients; consequently, not only are premiums elevated, but approval for individual policies can also prove challenging.

MoneyGeek found that Texas Farm Bureau offers the cheapest car insurance for military backgrounds in Mesquite. When searching for the most affordable full coverage options, consider these providers:

• Texas Farm Bureau: $937 per year
• State Farm: $1,186 per year

Although not the cheapest option, USAA ranks third at an annual premium of $1,263, and it specifically caters to the needs of active duty military members, offering services tailored to their unique circumstances. While its rates are slightly higher than the top competitors in Mesquite, USAA's focus on military members might make it a preferred choice for some.

You can use MoneyGeek's car insurance calculator to get a quote. Simply input critical details such as age, driving history, credit score and desired coverage, and promptly receive a tailored rate estimate, thereby optimizing your time and savings on car insurance.

Choosing the right auto insurance requires weighing the importance of factors such as service quality, cost, coverage, and other personal preferences. MoneyGeek's comprehensive research utilizes distinct scoring metrics to evaluate providers across these variables. For residents of Mesquite, here are the top car insurance options according to distinct desires:

• Best overall: Chubb (MoneyGeek score 91 out of 100)
• Best for service: Chubb (MoneyGeek score 92 out of 100)
• Best cheap: Chubb (MoneyGeek score 90 out of 100)

Chubb excels in Mesquite as the preeminent provider for overall value, service and affordability. Their exceptional scores reflect a balance between robust service excellence and competitive affordability, ensuring a comprehensive insurance experience for car owners prioritizing any of these aspects.

MoneyGeek found that Chubb offers the best option in Mesquite for individuals searching for the best car insurance. When it comes to top-tier car insurance providers, two companies stand out:

• Chubb: MoneyGeek score of 91 out of 100 ($1,883 per year)
• Foremost: MoneyGeek score of 74 out of 100 ($2,682 per year)

Chubb distinguishes itself primarily due to high satisfaction and affordability scores, which are significant contributors to its MoneyGeek score. This score represents a full coverage policy that encompasses comprehensive customer experience and cost-effectiveness. With its combination of customer satisfaction and competitive pricing,

MoneyGeek found that Chubb is the best option in Mesquite for those prioritizing customer service in their car insurance. This distinction is based purely on the aspects of general client satisfaction, precise claims handling and the extent of coverages, with no concern for insurance rates.

• Chubb: MoneyGeek score of 92 out of 100 ($1,883 per year)
• Foremost: MoneyGeek score of 77 out of 100 ($2,682 per year)

Chubb is the leading provider due to its exceptional balance of high satisfaction, claims service, and coverage options that contribute significantly to its overall MoneyGeek score.

Chubb is the best option in Mesquite for those seeking premium cheap car insurance, as determined by MoneyGeek's thorough analysis. The score highlights a balanced approach, where cost-effectiveness does not compromise quality service in claims handling and customer satisfaction.

• Chubb: MoneyGeek score of 90 out of 100 ($890 per year)
• Mercury: MoneyGeek score of 79 out of 100 ($491 per year)

Chubb's score reflects its outstanding performance in these areas, contributing heavily to its ranking, especially given that this evaluation is for a minimum coverage policy.

In Mesquite, Texas, the average car insurance cost is $1,960. This premium is $178 higher than the average car insurance cost in Texas, which stands at $1,782. Furthermore, the Texas state average is just a dollar more than the national average car insurance cost of $1,781.

Car insurance premiums are influenced by a host of factors, including but not limited to the driver’s age, vehicle type, driving history and credit score. Location, however, plays a pivotal role in determining insurance rates due to variations in traffic density, accident rates, and urbanization. For instance, Houston holds the title for the most expensive city premium at $2,177, contrasting sharply with Wichita Falls, which has the cheapest city premium at $965.