For minimum coverage, the average cost of Mesquite car insurance is $639 per year, while for full coverage policies, it’s $2,050. Finding the best Mesquite car insurance is more than just looking for the lowest rates. There are multiple considerations for choosing the best carrier, including customer service ratings and financial strength, coverage and discount options and more.
Mesquite, Texas is in Dallas County. In 2020, there were nearly 49,000 accidents — the most recorded crash in Texas. 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.
Mesquite’s best car insurance company
We found that the best Mesquite car insurance companies not only have competitive rates but also excel in other areas such as the J.D. Power score for overall customer satisfaction, or financial strength ratings through AM Best. These criteria are met by Allstate, USAA, Nationwide, and USAA.
Geico
Geico has the lowest rates of all the carriers, but scores high in other areas. Geico doesn’t have the best J.D. Geico does not have the highest J.D. Geico also offers a wide range of discounts. Geico offers discounts to drivers for good driving habits and bundling, as well discounts on seatbelt usage and safety equipment.
USAA
USAA provides affordable car insurance for veterans, current military personnel and their immediate families. USAA is the best-rated insurance company with an 879 rating out of 1,000. However, it is technically rank-ineligible due to restrictions on availability. USAA offers special discounts for those who are eligible, including military installation and storage on base. There are two types of coverage available: gap insurance and rideshare coverage.
All over the country
Nationwide doesn’t have a score with J.D. The Texas region has Power, but Nationwide does have an A+ (Superior), rating with AMBest. Nationwide policyholders have a range of options, including comprehensive and collision, rental vehicle reimbursement, gap coverage, and accident forgiveness. You can also save by being a safe driver, a student, and staying accident-free.
Allstate
Allstate’s performance with the J.D. is slightly better. Allstate maintains a high Power score and an A+ (Superior AM Best) rating for financial strength. Allstate provides standard coverages as well as additional options such as custom sound system coverage. There are many discounts available for teens and those who own a new car.
Mesquite has the lowest car insurance
It may help to find the average price of auto insurance in Mesquite before you start looking for the best deal. Mesquite drivers pay $639 annually for a minimum coverage policy. Full coverage policies cost $2,050 per year. This is well-above the national average of $1,674 per year for full coverage.
You should compare multiple quotes to find the best Mesquite car insurance company. Rates can vary greatly between providers, even for the same coverage. Here is a list listing the top national carriers offering the lowest rates in Mesquite based on annual premiums quoted by Quadrant Information Services.
Mesquite insurance requirements
Texas, like most other states, requires drivers to have minimum insurance in order to drive legally. This includes 30/60/25 of liability, which consists of:
- $30,000 bodily injury liability insurance per person
- $60,000 bodily injury liability coverage per incident
- $25,000 per accident property damage liability coverage
Texas requires that insurers offer coverages for uninsured or underinsured motorists as well as personal injuries protection (PIP) to drivers. However, they can reject these coverages by writing.
Surety bonds, deposits and self-insurance can also satisfy Texas’ financial responsibility law.
Even if you have the minimum required liability coverage, it may not be sufficient to cover your expenses if the other driver is at fault in a multicar or multi-injury accident. 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 coverage covers your vehicle if it is damaged in an accident, or by something that you are not responsible for such as theft or hail.
Mesquite car insurance discounts
You can take advantage of any discounts offered by the carriers to get Mesquite car insurance at a fraction of the cost. Ask your insurers for additional savings such as:
- No claimsMost carriers will offer additional discounts if you keep a clean record for a certain number of years.
- Safety drivingIf you are able to use safe and smart driving techniques, installing a telematics device may save you money.
- Multi-policy: You can save on multiple policies with the same insurance company by bundling them.
- Good studentStudents in high school or college may be able to save even more by maintaining a minimum B average during classes.
These discounts may only be a small selection of the many options available depending on your insurance company. Ask about other savings options, such as professional discounts, loyalty savings, affiliation savings, or signing up online.
Questions frequently asked
Which is the best auto insurance company?
To find the best car insurance in Mesquite, look for qualities in a carrier that are most important to you. These may include customer satisfaction ratings and financial strength measurements. They also might include coverage options available and discounts. These characteristics are shared by Allstate, USAA, Nationwide, and Geico according to our research. Each carrier offers its own offerings and may not be the right fit for you or your driving habits.
What is the cost of Mesquite car insurance?
Mesquite’s average cost for car insurance is $639 per year for a policy that provides minimum coverage. The average annual cost for full coverage is $2,050. It is important to keep in mind that premiums are determined by a number of factors such as zip code, credit score and driving record, age and driving history, and type of vehicle.
