Best cheap car insurance in Mesquite for 2022
The average cost of car insurance in Mesquite, Texas is $639 annually for minimum coverage, and $2,050 for a full coverage policy. But finding the best car Insurance in Mesquite takes more than looking for the cheapest rates. There are multiple considerations for choosing the best carrier, including customer service ratings and financial strength, coverage and discount options and more.
Mesquite is located in Dallas County, Texas, where there were almost 49,000 crashes recorded in 2020 — one of the highest recordings in the state. Drivers in this county who are on the hunt for the cheapest car insurance in Mesquite can also find carriers offering superior coverage and customer service.
Best car insurance companies in Mesquite
The best car insurance companies in Mesquite we found not only offer competitive rates, but often excel in other areas, such as the J.D. Power score for overall customer satisfaction, or financial strength ratings through AM Best. The following table highlights that Geico, USAA, Nationwide and Allstate meet and exceed these criteria.
|Insurance company||J.D. Power score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
*Not officially ranked with J.D. Power due to eligibility restrictions
Geico offers the least expensive rates among the carriers reviewed, and scores well in other areas. Although Geico does not have the highest J.D. Power rating, it does earn an A++ (Superior) rating from AM Best for financial strength. Another positive with Geico is the long list of available discounts. Drivers can save with discounts such as those for bundling and good drivers, as well as discounts for seatbelt use and vehicle safety equipment.
Learn more: Geico Insurance review
USAA offers affordable car insurance to current military members, veterans and their immediate family members. USAA scores the highest among the insurance companies with an 879 out of 1,000, though it is technically considered rank-ineligible due to availability restrictions. For those who qualify for coverage, USAA offers unique discounts, such as military installation or storing a vehicle on base. Coverage options include both the standard selections and others, including rideshare coverage and gap insurance.
Learn more: USAA Insurance review
Nationwide does not have a score listed with J.D. Power in the Texas region, but does maintain an A+ (Superior) rating with AM Best. Nationwide offers policyholders a variety of optional coverages, including comprehensive and collision, rental car reimbursement, gap coverage and accident forgiveness. Discounts are plentiful too, with savings for being a good student, safe driver and staying accident free.
Learn more: Nationwide Insurance review
Allstate performs slightly better with the J.D. Power score while maintaining an A+ (Superior) AM Best rating for financial strength. Allstate offers the standard coverages, as well as more specific options, such as custom sound equipment coverage. Numerous discounts are also available, including for teen drivers and one for those who drive a new vehicle.
Learn more: Allstate Insurance review
Cheapest car insurance in Mesquite
When searching for the cheapest auto insurance in Mesquite, it may be helpful to know the average cost of premiums. Drivers in Mesquite pay $639 per year for a minimum coverage policy, whereas a full coverage policy is $2,050 a year. This is well-above the national average of $1,674 per year for full coverage.
Because rates vary widely by provider, even for the same amount of coverage, comparing multiple quotes is essential to finding the cheapest car insurance company in Mesquite for you. Below is a list of the national carriers that offer the cheapest rates in Mesquite, based on quoted annual premiums from Quadrant Information Services.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Mesquite insurance requirements
Like most states, Texas requires drivers to carry a minimum amount of insurance to legally drive. This includes 30/60/25 of liability, which consists of:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Texas also requires insurers to offer uninsured and underinsured motorist coverages, as well as personal injury protection (PIP), but drivers can choose to reject these coverages in writing.
Surety bonds, deposits and self-insurance can also satisfy Texas’ financial responsibility law.
Having just the minimum liability coverage required by law may not be enough to cover expenses if you are the at-fault driver in a multi-car or multi-injury crash. If you finance or lease your vehicle, you will most likely be required by the lender to add on additional comprehensive and collision coverage. Comprehensive and collision cover expenses if your vehicle is damaged during an accident or from something you do not have control over, such as theft or hail.
Car insurance discounts in Mesquite
One strategy in finding the cheapest car insurance in Mesquite is to take advantage of as many discounts from carriers as possible. Ask insurers about added savings from discounts such as:
- Claims-free: If you maintain a clean record for a specific number of years, most carriers will reward you with additional discounts.
- Safe driving: Installing a telematics device or connecting to an app so a carrier can observe your driving habits may lead to added savings if you practice smart safe driving techniques.
- Multi-policy: If you have more than one policy with an insurance company then be aware almost every carrier offers savings on both policies for bundling.
- Good student: High school and college students may save even more if they maintain at least a B average while enrolled in classes.
These discounts are only a sampling of what may be available to you, depending on the insurance company. Be sure to ask about other ways to save, including professional discounts, affiliation savings, loyalty savings or signing up online.
Frequently asked questions
What is the best car insurance company?
To find the best car insurance in Mesquite, look for qualities in a carrier that are most important to you. This may include customer satisfaction ratings, financial strength measurements, coverage options offered and the discounts available. Based on our research, Geico, USAA, Nationwide and Allstate embody many of these characteristics. However, each carrier has its own unique offerings, and may or not be the best fit for your driving habits or budget.
How much does car insurance in Mesquite cost?
The average cost of car insurance in Mesquite is $639 annually for a policy with minimum coverage. If you want a full coverage policy, the average cost is $2,050 per year. However, it is essential to remember premiums are based on a variety of personal factors, including zip code, credit score, age, driving history and record and the type of vehicle driven.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.