Compare Mesquite, TX Car Insurance Rates (2021)

The cheapest Mesquite, TX car insurance is from State Farm, but rates will vary by driver. Auto insurance in Mesquite must meet the state requirements of 30/60/25 in liability coverage. This amount of coverage will be exhausted quickly in an accident, and drivers are encouraged to consider higher limits and additional coverages. To find the cheapest Mesquite, TX auto insurance, compare online rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 11, 2021

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Here's what you need to know

  • The cheapest car insurance in Mesquite is from State Farm
  • Mesquite, TX is a suburb of Dallas causing higher traffic and car insurance rates
  • Car insurance in Mesquite is higher than average

Mesquite, TX car insurance is higher than the average Texas car insurance rates. It’s also more expensive than the national average as well.

However, you can still find affordable Mesquite, TX car insurance by shopping around. Compare rates from multiple companies to see who has cheap car insurance for you.

Monthly Mesquite, TX Car Insurance Rates by ZIP Code

Find more info about the monthly Mesquite, TX car insurance rates by ZIP Code below:

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Mesquite, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Mesquite, Texas against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Mesquite, TX car insurance quotes today.

What is the cheapest car insurance company in Mesquite, TX?

State Farm offers the cheapest average car insurance to all drivers in Mesquite. However, USAA is actually cheaper but only offers coverage to the military, veterans, and their families.

The cheapest Mesquite, TX auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Texas auto insurance company rates?” We cover that as well.

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The top Mesquite, TX car insurance companies listed from least to most expensive are:

  • USAA – $2,827.79
  • State Farm – $3,587.11
  • GEICO – $3,638.87
  • Nationwide – $3,992.33
  • Progressive – $4,474.84
  • American Family – $6,050.39
  • Allstate – $6,369.73

There are many factors that affect your car insurance rates, including your age, gender, driving record, and even credit score.

Where you live is another thing that can raise your rates. If you live in a large city, chances are there is more theft and traffic. These can cause auto insurance companies to raise your rates.

For example, Mesquite car insurance rates are high, but nearby Dallas car insurance rates are even higher.

Mesquite, TX auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Mesquite, TX auto insurance rates. Find the cheapest Mesquite, Texas auto insurance rates by coverage level below:

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Your credit score will play a major role in your Mesquite, TX auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Mesquite, Texas auto insurance rates by credit score below.

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Your driving record will affect your Mesquite auto insurance rates. For example, a Mesquite, TX DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Mesquite, Texas auto insurance rates by driving record.

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Factors affecting auto insurance rates in Mesquite, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Mesquite, Texas auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Mesquite. TX does use gender, so check out the average monthly auto insurance rates by age and gender in Mesquite, TX.

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What car insurance coverage is required in Mesquite, TX?

Most states require at least a minimum amount of car insurance coverage. Drivers in Mesquite must carry at least:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.

Collision insurance will cover any damages to your car, and personal injury protection covers your bodily injuries if you cause an accident.

Comprehensive covers damages to your car that aren’t the result of an accident, such as theft, vandalism, and acts of nature. This is especially helpful considering TX weather like hurricanes can damage your car.

Adding these coverages to your car insurance policy will ensure you are covered for damages.

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What affects car insurance rates in Mesquite, TX?

Traffic and theft can affect your rates, as we saw earlier. More traffic means a higher chance of getting in an accident. The more car insurance companies have to pay for repairs or replacements, the higher your rates.

INRIX doesn’t have data for Mesquite, TX, but it does list Dallas as the 10th-most congested city in the U.S.

City-Data shows that most drivers in Mesquite commute around 20 minutes, but some drivers commute an hour or more.

Theft can also raise your rates. According to the FBI, there were 849 motor vehicle thefts in one year in Mesquite.

Mesquite, TX Car Insurance: The Bottom Line

Mesquite, TX car insurance is more expensive than average, but there are ways to lower your rates.

Before you buy Mesquite, TX car insurance, shop around and compare companies. Each company will charge a different rate so shop around to find the best deal.

Enter your ZIP code now to compare Mesquite, TX car insurance quotes for free today.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Mesquite, TX Car Insurance Rates by ZIP Code
Mesquite, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Mesquite, TX Car Insurance Rates by Company vs. City Average
Mesquite, TX Car Insurance Rates by Company and Age
The Cheapest Mesquite, TX Car Insurance Rates by Coverage Level
The Cheapest Mesquite, TX Car Insurance Rates by Credit Score
The Cheapest Mesquite, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Mesquite, TX
Average Monthly Car Insurance Rates by Age & Gender in Mesquite, TX
Monthly Mesquite, TX Car Insurance Rates by ZIP Code
Mesquite, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Mesquite, TX Car Insurance Rates by Company vs. City Average
Mesquite, TX Car Insurance Rates by Company and Age
The Cheapest Mesquite, TX Car Insurance Rates by Coverage Level
The Cheapest Mesquite, TX Car Insurance Rates by Credit Score
The Cheapest Mesquite, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Mesquite, TX
Average Monthly Car Insurance Rates by Age & Gender in Mesquite, TX