Best Cheap Auto Insurance in Mesquite, TX (2021)

On average, Mesquite, TX auto insurance rates are $530/mo ($6,368/yr). The cheapest auto insurance company in Mesquite, Texas, is USAA. However, Mesquite, TX auto insurance quotes vary for each person. Mesquite car insurance must meet the minimum Texas car insurance requirements with coverage levels of 30/60/25 for liability.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 14, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • On average, Mesquite, TX auto insurance rates are $530/mo ($6,368/yr)
  • USAA, State Farm, and GEICO premiums are two times less than the Mesquite average
  • The most significant factors in auto insurance are your driving record, age, vehicle, and credit history

How much is auto insurance in Mesquite, TX? Mesquite, TX auto insurance rates are $6,368 per year, which is $2,325 more expensive than the Texas auto insurance average and $2,436 more than the national average.

Mesquite, TX auto insurance quotes are expensive, but personal factors could tenderize your overall auto insurance cost. Read through this short guide to learn how to secure cheap auto insurance in Mesquite, TX, for every age, credit history, and driving record.

Monthly Mesquite, TX Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Mesquite, TX auto insurance rates by ZIP Code below:

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

What city you reside in will impact your car insurance. That’s why it’s essential to compare Mesquite, TX against other top US metro areas’ auto insurance costs.

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Are you ready to compare affordable Mesquite, TX auto insurance quotes? Enter your ZIP code above to get started.

What is the cheapest Mesquite, TX auto insurance company?

The cheapest auto insurance company in Mesquite, based on average rates, is USAA.

The cheapest Mesquite, TX car insurance providers can be found below. You also might be wondering, “How do those Mesquite, TX rates compare against the average Texas car insurance company rates?” We uncover that too.

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The most savory auto insurance companies in Mesquite, TX, ranked from cheapest to most expensive are:

  • USAA – $2,893
  • State Farm – $3,068
  • GEICO – $3,583
  • Progressive – $5,025
  • Nationwide – $5,979
  • American Family – $6,072
  • Allstate – $6,097

Every Mesquite, TX car insurance company has a unique method of calculating personal factors.

Before we go through each factor, you’ll need to know the minimum requirements for auto insurance in the state of Texas. Continue reading to learn more.

Mesquite, Texas car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Mesquite, TX car insurance costs. Find the cheapest Mesquite, Texas car insurance costs by coverage level below:

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

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

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

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Age is a significant factor for Mesquite, TX car insurance rates. Young drivers are often considered high-risk. This Mesquite, Texas does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Mesquite, TX.

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What are the auto insurance requirements in Mesquite, TX?

All Mesquite drivers have to meet the Texas state law minimum requirements for auto insurance.

In Texas, you have to carry at least:

  • $30,000 for bodily injury liability of one person
  • $60,000 for bodily injury liability of multiple people
  • $25,000 for property damage liability

Texas is an at-fault state, which means an at-fault driver must use their auto insurance policy to pay for the no-fault driver’s bodily injury and property damage from the collision.

Collision, comprehensive, and uninsured/underinsured coverages aren’t required, but they’re necessary for drivers who have a high-value vehicle or a vehicle for that being financed.

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What factors affect auto insurance rates in Mesquite, TX?

Let’s look at the significant factors that influence the cost of car insurance at most companies.

How does location affect Mesquite, TX auto insurance?

Mesquite, TX is less populated than Dallas. So how does location impact auto insurance premiums in Mesquite, Texas? Let’s compare Mesquite car insurance to other cities in Texas.

Dallas auto insurance is more affordable than Mesquite’s rates. That can change with the auto insurance company and other factors that determine auto insurance.

How does commute time affect Mesquite, TX auto insurance?

Did you know that you can save money by driving less? According to City-Data, the average commute time in Mesquite, TX is 34 minutes, which is nine minutes slower than the national average commute.

The more time you spend driving, the more you could pay for Mesquite, TX car insurance per month.

How does your driving record impact Mesquite, TX auto insurance quotes?

The most significant factor that affects Mesquite, TX car insurance rates is your driving record. If you want to secure affordable Mesquite, TX car insurance quotes, you must maintain a clean driving record.

Driving infractions will raise your rates. The violations with the most impact are accidents and DUI convictions, which nearly double your auto insurance rates.

Does your credit history affect auto insurance rates in Mesquite, TX?

If you want to maximize your car insurance savings, try to keep a good credit score. Auto insurance companies connect good credit to fewer chances of filing claims.

Can age and gender affect Mesquite, TX auto insurance quotes?

Age correlates to the driving experience. Therefore, older and married drivers pay lower than average, but young and single drivers pay higher than average rates.

Gender also affects your rates. Female drivers take fewer chances while operating a motor vehicle. Therefore, auto insurance in Mesquite is more expensive for young and single male drivers.

Does a vehicle make and model year impact Mesquite, TX auto insurance premiums?

The make and model of your vehicle will also affect your auto insurance. New model year vehicles are more expensive, but you can dice and skewer that high-cost car insurance to more affordable rates with anti-theft and safety feature discounts.

How do traffic and theft rates affect Mesquite, TX auto insurance?

Mesquite is one of the moderately populated cities in Texas, so there’s no traffic information, but the FBI reported the latest theft statistics.

Why is this important? Theft rates can influence your comprehensive auto insurance. The 2019 FBI Statistics reported 876 thefts in Mesquite, TX.

That’s not as much as Houston’s 13,000 auto thefts. Therefore, your comprehensive rates could be slightly more expensive than average.

Mesquite, TX Auto Insurance: What’s the bottom line?

The best way to secure cheap Mesquite, TX auto insurance is through discounts, a clean driving record, and good credit. If you don’t qualify for savings, keep shopping around until you can get an affordable policy.

Before you buy Mesquite, TX auto insurance, be sure you’ve grilled out the raw auto insurance rates with the best companies. Enter your ZIP code below to get fast, free auto insurance quotes.

Free Auto Insurance Comparison

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

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