In Mesquite, the average cost for full coverage car insurance is $160 per month. Rates can vary from as low as $153 per month to as high as $479, depending on the driver's details and vehicle type. The table below lists average car insurance costs for various driver profiles to help drivers better understand potential expenses.
Mesquite, TX, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Mesquite: Key Takeaways
Texas Farm Bureau, GEICO, Progressive and State Farm are some of the most affordable car insurance companies in the Lone Star State. They offer competitive rates for various driver profiles.
Texas Farm Bureau offers the cheapest car insurance rates in Mesquite, at $37 for minimum coverage and $78 for full coverage per month, making it a cost-effective choice for many drivers.
On average, car insurance in Mesquite costs $78 per month for minimum coverage and $160 for full coverage. However, rates can vary based on individual driver profiles and circumstances.
Car Insurance Quotes in Mesquite, TX
| Young Drivers | $102 | $208 |
| Teens | No Data | $479 |
| Seniors | $79 | $153 |
| Drivers With a Speeding Ticket | $93 | $191 |
| Drivers With a DUI | $119 | $233 |
| Drivers With An Accident | $131 | $260 |
| Bad Credit | $138 | $288 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Mesquite vs. State Average
Texas
State Average Full Coverage Rate
$1,705
Mesquite, TX
City Average Full Coverage Rate
$1,915More:$210 more
This is 12% more expensive.
What Is the Average Car Insurance Rate in Mesquite?
In Mesquite, the average cost of full coverage car insurance is $1,915 per year, while state minimum coverage is $932 annually. These rates are higher than the Texas state averages of $1,705 for full coverage and $816 for minimum coverage. Residents should consider these differences when choosing a policy.
| State Average | $816 | $1,705 |
| Mesquite Average | $932 | $1,915 |
Cheapest Car Insurance Companies in Mesquite
While car insurance premiums are rising in Texas, Mesquite residents can still find affordable options. Texas Farm Bureau offers the cheapest minimum coverage at $37 per month. It also provides the best rate for those seeking full coverage, at $78 per month.
WHY CAR INSURANCE IN MESQUITE IS EXPENSIVE
Car insurance is expensive in Mesquite due to factors like traffic congestion and accident rates. Mesquite ranks high among Texas cities for costly car insurance. Statewide, high numbers of uninsured drivers, frequent personal injury lawsuits and insurance fraud make Texas one of the pricier states for car insurance.
Cheap Car Insurance in Mesquite
Texas Farm Bureau is often the cheapest car insurance provider, but the most affordable option varies for each driver. To find the most inexpensive rates, get quotes from multiple providers. Below is a table with the cheapest car insurance rates for various driver profiles.
| Texas Farm Bureau | Minimum Coverage | $37 |
| Texas Farm Bureau | Full Coverage | $78 |
| GEICO | Teens | $239 |
| Texas Farm Bureau | Young Adults | $72 |
| Texas Farm Bureau | Seniors | $48 |
| Texas Farm Bureau | Bad Credit | $126 |
| Progressive | Drivers With a DUI | $95 |
| State Farm | Drivers With An Accident | $93 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $58 |
Car Insurance Rates in Mesquite by Company
To get the cheapest car insurance in Mesquite, compare prices from different companies. Below, we show the most affordable state minimum and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Mesquite
Texas Farm Bureau offers the cheapest minimum coverage auto insurance at $37 per month. Mercury follows closely, with a rate of $40 monthly. The table below provides a detailed breakdown of the cheapest options.
| Texas Farm Bureau | $37 | $40 |
| Mercury | $40 | $37 |
| State Farm | $48 | $30 |
| Progressive | $56 | $21 |
| National General | $58 | $19 |
| AAA Texas | $66 | $11 |
| GEICO | $73 | $4 |
Cheapest Car Insurance Companies for Full Coverage in Mesquite
Texas Farm Bureau offers the cheapest full coverage car insurance in Mesquite at $78 per month. Below is the full list of providers and their rates.
| AAA Texas | $135 | $24 |
| Allstate | $153 | $6 |
| GEICO | $135 | $24 |
| Mercury | $141 | $18 |
| National General | $124 | $35 |
| Progressive | $109 | $49 |
| State Farm | $99 | $59 |
| Texas Farm Bureau | $78 | $81 |
Car Insurance Companies in Mesquite
Compare quotes from several local providers to find affordable car insurance in Mesquite. Texas Farm Bureau offers the cheapest rate at $691 annually. Chubb is the top-rated provider, with a MoneyGeek score of 90. See the table below for more options to consider.
| Chubb | 90 | $1,553 |
| Mercury | 76 | $1,086 |
| Foremost | 75 | $1,905 |
| State Farm | 74 | $893 |
| AAA Texas | 73 | $1,207 |
| Texas Farm Bureau | 73 | $691 |
| Progressive | 65 | $990 |
| Nationwide | 65 | $1,601 |
| GEICO | 64 | $1,245 |
| Allstate | 61 | $1,385 |
| National General | 52 | $1,095 |
| Dairyland | No Data | $3,435 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Mesquite by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates at $1,915 per year for 40-year-olds and $1,837 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,814 | $-1,379 |
| 17 | $3,667 | $-1,232 |
| 18 | $3,198 | $-763 |
| 19 | $2,698 | $-263 |
| 20 | $2,825 | $-390 |
| 21 | $2,086 | $349 |
| 22 | $2,082 | $353 |
| 23 | $2,160 | $275 |
| 24 | $2,025 | $410 |
| 25 | $2,494 | $-642 |
| 40 | $1,915 | $-63 |
| 65 | $1,837 | $15 |
Cheapest Car Insurance for Teens in Mesquite
Nationwide offers the cheapest overall car insurance for teens in Mesquite at $148 monthly, which is $131 cheaper than the state average. The table below breaks down other affordable providers for teens in the area.
| Nationwide | $148 | $131 | $368 |
| State Farm | $183 | $96 | $244 |
| GEICO | $196 | $83 | $239 |
| Foremost | $299 | $-20 | $643 |
| Progressive | $314 | $-35 | $843 |
| Allstate | $533 | $-254 | $537 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Mesquite
Texas Farm Bureau offers the lowest monthly rate for minimum coverage at $48. It also has the most affordable full coverage for young drivers at $96 per month. Check the table below for the cheapest rates for various young driver profiles.
| Texas Farm Bureau | Minimum Coverage | $48 |
| Texas Farm Bureau | Full Coverage | $96 |
| Texas Farm Bureau | Bad Credit | $158 |
| Progressive | Drivers With a DUI | $116 |
| State Farm | Drivers With An Accident | $116 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $72 |
Cheapest Car Insurance Companies for Young Drivers in Mesquite
Texas Farm Bureau offers the most affordable auto insurance for young drivers at $72 per month. The table below shows other companies with competitive rates:
| Texas Farm Bureau | $72 | $82 |
| State Farm | $93 | $61 |
| Progressive | $105 | $49 |
| National General | $117 | $37 |
| GEICO | $121 | $33 |
| Mercury | $125 | $29 |
| AAA Texas | $129 | $26 |
| Allstate | $150 | $4 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Mesquite
Texas Farm Bureau and Progressive offer the cheapest car insurance in Mesquite, but rates differ based on factors like driving record and coverage needs. Below is a table showing the most affordable providers for various driver and coverage profiles.
| Texas Farm Bureau | Minimum Coverage | $32 |
| Texas Farm Bureau | Full Coverage | $65 |
| Texas Farm Bureau | Bad Credit | $106 |
| Progressive | Drivers With a DUI | $99 |
| Texas Farm Bureau | Drivers With An Accident | $86 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $48 |
Cheapest Car Insurance Companies for Seniors in Mesquite
Texas Farm Bureau offers the cheapest monthly premium for seniors for minimum and full coverage car insurance at $48 per month. State Farm follows with a rate of $67 per month. The table below shows the top car insurance options for seniors.
| Texas Farm Bureau | $48 | $67 |
| State Farm | $67 | $48 |
| Progressive | $83 | $32 |
| Mercury | $95 | $20 |
| National General | $100 | $15 |
| AAA Texas | $101 | $14 |
| GEICO | $105 | $11 |
| Allstate | $112 | $3 |
| Nationwide | $115 | $0 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Mesquite
In Mesquite, high-risk drivers pay less for minimum coverage and full coverage than the state average. Drivers with bad credit and DUIs see the highest insurance rates. Meanwhile, accidents or speeding tickets affect rates less. This means that maintaining a clean credit score and avoiding DUIs can help keep insurance costs more affordable.
| State Average | $1,190 | $2,417 |
| Mesquite Average | $1,359 | $2,720 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a not-at-fault accident or a speeding ticket in Mesquite, affect your insurance for about three years. However, serious offenses, such as a DUI, may affect your rate for up to five years. You might need to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Mesquite
Mercury offers the cheapest minimum coverage for drivers with a DUI in Mesquite at $684 per year. Progressive provides the most affordable full coverage policy at $1,560 annually. Check out the table below to see more low-cost coverage options.
| Progressive | $60 | $130 |
| National General | $73 | $148 |
| Texas Farm Bureau | $86 | $157 |
| State Farm | $92 | $182 |
| Mercury | $57 | $189 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Mesquite
State Farm, Texas Farm Bureau and Progressive offer the cheapest auto insurance after an at-fault accident in Mesquite. Below is a table showing different providers offering affordable coverage for drivers with an at-fault accident on their record.
| State Farm | $61 | $124 |
| Texas Farm Bureau | $63 | $130 |
| Progressive | $86 | $183 |
| AAA Texas | $99 | $193 |
| Mercury | $87 | $282 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Mesquite
Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket in Mesquite. It offers state minimum coverage at $37 and full coverage at $78 monthly. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| Texas Farm Bureau | $37 | $78 |
| State Farm | $48 | $99 |
| Progressive | $65 | $142 |
| National General | $72 | $166 |
| Mercury | $59 | $202 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Mesquite
Mercury offers the most affordable rates for drivers with bad credit for minimum coverage at $57 monthly, while Texas Farm Bureau provides the cheapest full coverage at $174. See the table below for other affordable options.
| Texas Farm Bureau | $79 | $174 |
| Progressive | $84 | $190 |
| AAA Texas | $103 | $208 |
| Mercury | $57 | $213 |
| National General | $89 | $219 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Mesquite, TX
In the Lone Star State, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
Uninsured/underinsured motorist coverage, personal injury protection, medical payments and death liability are not required.
If you're in a fender-bender that causes $20,000 in damages, your state minimum coverage will handle the costs, keeping you within legal bounds.
Cheap Car Insurance in Mesquite: Bottom Line
Texas Farm Bureau is Mesquite's most affordable car insurance provider, offering the lowest minimum and full coverage rates. No matter your age or credit, you'll find insurers with competitive rates that fit your budget. Remember, your policy must include Texas' required coverage: bodily injury liability, property damage liability and personal injury protection. You can secure affordable rates that meet Lone Star State laws by comparing car insurance companies.
Mesquite Auto Insurance: FAQ
This section provides quick answers to common questions about finding affordable and best car insurance options in Mesquite.
What is the cheapest car insurance company in Mesquite, Texas?
Texas Farm Bureau offers the most affordable state minimum car insurance in Mesquite, Texas, at $37 per month, providing a $40 monthly savings.
What is the best car insurance company in Mesquite, Texas?
Chubb is the leading car insurance provider in Mesquite, Texas, with a MoneyGeek score of 90 out of 100. Its state minimum coverage costs around $1,553 annually.
How much does car insurance cost on average in Mesquite?
The average monthly cost of minimum coverage auto insurance in Mesquite can range from $79 to $138, depending on the driver's profile.
Best Cheap Car Insurance in Mesquite: Our Methodology
MoneyGeek conducted an analysis of Mesquite auto insurance prices using data from the Texas Department of Insurance and Quadrant Information Services.
Mesquite Driver Profile
To assess the best and most affordable auto insurance options for Mesquite residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Mesquite
In assessing the car insurance quotes for Mesquite, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas' mandated liability insurance parameters:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Mesquite
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Mesquite.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.