Mesquite, TX Car Insurance

How much can residents of Mesquite expect to pay for their car insurance? Are rates in Mesquite higher or lower than those in neighboring areas? How do they compare to the rest of Texas? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Mesquite?

Auto insurance policies in Mesquite are about $4 a month more expensive than the rest of Texas.

Drivers relocating from out of state may enjoy some cost savings in Mesquite. The average monthly payment for the United States as a whole is about $11 more expensive than in Mesquite.

Keep in mind that these are the average auto insurance rates for Mesquite, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't worry, we've done the work for you and broken down average rates for Mesquite to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Mesquite Car Insurance Rates by Age

More time behind the wheel makes you a more experienced driver. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may climb back up in Mesquite.

Mesquite Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. This rings true in Mesquite, where women pay around $7 less per month than men. As illustrated in the table above, male drivers in the area pay about $73 on average, while female drivers pay around $66 each month.

Mesquite Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Mesquite with a single accident will pay around $85 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $80.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Mesquite Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Mesquite are by and large SUVs, trucks, and vans, at $67 per month.

Car owners, meanwhile, pay on average $70 per month for auto insurance.

Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Mesquite, vehicles six-to-seven years old and eight-to-ten years old are the most expensive to insure.

Mesquite Car Insurance Rates by Relationship Status

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Mesquite can be as much as $19 a month, so it's worth keeping that in mind.

Mesquite Car Insurance Rates by Housing Situation

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Mesquite, expect to pay around $10 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Mesquite, TX

Recent trends in car insurance for Mesquite drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of auto insurance in Mesquite declined from 2017-2020, before steadying out in 2021. Car insurance rates finished down in 2022, at $70 a month

How does Mesquite compare to neighboring areas?

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

Car insurance companies look at many factors when they're choosing how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

• Prevalence of crime
• Number of car accidents
• Laws
• Off-street parking access
• Number of drivers in the community

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Mesquite?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Mesquite.

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Mesquite Auto Insurance FAQs

What factors affect car insurance quotes in Mesquite?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

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

Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Mesquite or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.