Cheapest Auto Insurance in Mesquite, Texas (2025)
State Farm has the cheapest liability car insurance in Mesquite, with rates of $63 per month.
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Mesquite drivers pay an average of $192 per month — or $2,302 per year — for auto insurance. In general, Texas’ insurance premiums are higher than the national average, and unfortunately, Mesquite’s proximity to Dallas is likely why it’s among the most expensive Texas cities for insurance premiums.
The good news is you can still save on your premiums by shopping around for coverage and taking advantage of insurer discounts.
Cheapest car insurance companies in Mesquite
When you’re shopping for car insurance in Mesquite, it’s important to choose an insurer that truly fits your needs. While you have many options to choose from, Insurify narrowed down the list to the top three auto insurance companies in Mesquite.
These companies offer cheap auto insurance with all the coverage you need, discounts to help you save, and reputable service.
Best insurer for military families: USAA
Best insurer for discounts: GEICO
Best insurer for customer satisfaction: State Farm
How to get the cheapest car insurance in Mesquite
Various factors can influence your car insurance premiums, including your age, gender, driving history, credit, and more.2 But regardless of those factors, you can save some money on your car insurance premiums with these tips:
Shop around for quotes. You’ll likely get different quotes from different insurance companies, so get a free quote from multiple insurers to find the best price. Shop with each insurer individually, or use a quote-comparison site.
Look for discounts. Car insurance companies offer discounts for customers to save on their premiums. Common discounts include ones for driving a safe vehicle, using an app that tracks your driving habits, and setting up certain payment options.
Bundle your policies. Companies that offer multiple insurance products often offer a lower rate when you bundle them. You can save by getting your car insurance from the same company that provides your homeowners insurance or renters insurance.
Choose the right coverage. The best financial move when shopping for car insurance is to get enough coverage to protect you after an accident but not so much that you’re overpaying for unnecessary coverage. Review your coverage options and drop add-ons or reduce limits if needed.
Cheapest liability-only car insurance in Mesquite: State Farm
Liability insurance is the most basic type of coverage you can purchase and the best way to get cheap car insurance. It protects your finances when you’re at fault for an accident. Mandatory in nearly every state, this type of insurance pays for both bodily injury and property damage to other parties after an accident you’re responsible for. However, it doesn’t pay for your injuries or damage to your vehicle.
State Farm is the cheapest liability insurer in Mesquite, with rates of $63 per month, but you can use the following table to search for other cheap companies.
Cheapest full-coverage car insurance in Mesquite: State Farm
Full-coverage car insurance provides more protection than liability insurance. In addition to liability coverage, full coverage typically also includes collision and comprehensive coverages, both of which pay for damages to your vehicle in various situations. Full-coverage insurance can also include other optional coverages, such as uninsured/underinsured motorist coverage.
Full-coverage insurance is a good idea for many people. Given the rising cost of vehicles, it’s important to have more coverage to repair or replace yours in the event of a total loss. Additionally, lenders usually require full coverage when you have a loan or lease on your vehicle.
Mesquite drivers pay an average of $245 per month for full coverage, and the cheapest insurance company is State Farm.
Car insurance requirements in Texas
Texas law requires all drivers to have liability insurance to legally operate a vehicle. Texas’ minimum liability requirements are slightly more than in many other states. Texas requires all auto insurance policies to include personal injury protection (PIP), but drivers can waive this coverage in writing.
Here are Texas’ minimum car insurance requirements:1
In addition to the minimum liability coverage Texas drivers must have, you can also purchase several optional coverages. Here are some examples:
Cheapest car insurance for drivers with an incident
One of the factors car insurance companies use to set insurance rates is your driving history. Someone with a clean driving history may be eligible for the cheapest rate, while someone with incidents on their record — including speeding tickets, at-fault accidents, or driving under the influence (DUI) convictions — will likely pay more for car insurance.
Your insurance premium increase depends on several factors, including the severity of the incident. For example, your insurance is likely to increase far more after a DUI that caused an accident than after a speeding ticket that didn’t cause an accident.
The table below shows average insurance premiums for Mesquite drivers with clean driving records compared with people with certain incidents on their driving records.
Average cost of car insurance by age
Age is another important factor that affects your insurance premiums. Generally speaking, teens and young drivers pay the highest insurance premiums — an average of $376 per month in Mesquite. Due to a lack of experience and a propensity for high-risk driving activities, teens and other young drivers are more likely to get into accidents and file claims.
Premiums then tend to decrease for the next several decades, reaching their lowest rates during a driver’s 60s. At that point, they’re a more experienced driver and are the least likely to file a claim.
However, once a driver reaches their 70s, their risk starts to rise again, as do their insurance premiums; senior drivers in Mesquite pay an average of $163 per month for car insurance.
The table below shows the average insurance premiums for drivers of each age bracket in Mesquite.
Mesquite car insurance quotes by credit tier
Another factor insurers use to gauge your level of risk is your credit profile. Generally speaking, insurers view drivers with excellent or good credit to be lower-risk drivers, while they believe drivers with poor credit to be higher-risk drivers.
Because of this perceived risk, there’s usually an inverse correlation between credit score and insurance premiums. The higher your credit score, the lower your insurance premiums, and vice versa.
The table below shows the average insurance premiums for Mesquite drivers of each credit profile.
Mesquite car insurance FAQs
Understand the factors that affect rates before shopping for quotes, and check out the answers to common questions about auto coverage in Mesquite below.
How much is car insurance in Mesquite?
The average cost of car insurance in Mesquite is $138 per month for liability insurance and $245 per month for full coverage.
Who has the cheapest car insurance in Mesquite?
State Farm, Mile Auto, and Allstate have the cheapest liability-only car insurance rates in Mesquite. These insurers offer rates of $63, $77, and $88 per month, respectively.
But the best way to find the cheapest rates for your situation is to compare quotes. Get quotes from at least three different insurers to find the one that offers you the best rate for the coverage you need.
What are the best car insurance companies in Mesquite?
GEICO, State Farm, and USAA are some of the best car insurance companies that Insurify identified in Mesquite. These insurers have high Insurify Quality Scores, good J.D. Power satisfaction ratings, and excellent AM Best financial strength scores.
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