Mesquite, TX Car Insurance

Residents of Mesquite pay around $69 monthly for their car insurance coverage. We cover plan rates, policies and more in our guide below.
Map of cities where drivers can find cheaper car insurance
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What can Mesquite residents expect to pay for their car insurance? How does Mesquite compare to the surrounding area and the rest of Texas? Find the average cost breakdowns and determining factors in the charts and writeups below:

How much is car insurance in Mesquite?

Area Average Monthly Car Insurance Premium
Mesquite$69
TX$65
United States$81

As you can tell from the chart above, the cost of coverage in Mesquite is about $4 a month more expensive than the rest of Texas.

However, car insurance rates in Mesquite are often favorable when viewed against the rest of the country. On average, it's about $12 less to insure your vehicle in Mesquite than it is in the rest of the U.S.

While these are the average car insurance rates for Mesquite, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Mesquite residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$118
25-34$66
35-44$60
45-54$54
55-64$51
65+$54

Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $64 more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Mesquite may see their rates begin to go back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$73
Female$65

On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Mesquite totals about $8 a month. Based on the chart above, you can see that male drivers pay $73 on average, while female drivers typically pay $65 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$85
Multiple Accidents$98
1 Ticket$82
Multiple Tickets$97

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Mesquite with one accident will pay around $85 a month. Likewise, drivers with one ticket will be looking at a rate of around $82 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$64
2-3 Years$68
4-5 Years$64
6-7 Years$73
8-10 Years$73
11-14 Years$71
15 Years or Older$64

In terms of affordable coverage, the cheapest vehicles to insure in Mesquite are usually SUVs, trucks, and vans, at $67 per month.

Car owners, meanwhile, pay on average $69 per month for insurance coverage.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Mesquite, the most expensive vehicles to insure are vehicles six-to-seven years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$77
Married$56
Divorced$56
Widowed$51

Overall, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Mesquite reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$60
Rent$70
Live with parents$96

One other element taken into consideration is your living situation. In Mesquite, homeowners can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in Mesquite, TX

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

In Mesquite, the rates for car insurance declined from 2017-2020, before leveling out in 2021. Car insurance rates finished down in 2022, at $71 a month

How does Mesquite compare to neighboring areas?

Why are car insurance rates in Mesquite different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:

  • Off-street parking access
  • Community regulations
  • Total number of drivers in the area
  • General road safety (how many accidents each locality has)
  • Crime rates

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Mesquite?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Mesquite.


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Mesquite Insurance FAQs

What factors affect car insurance quotes in Mesquite?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Mesquite different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Mesquite?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Mesquite?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Mesquite or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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