What is the average cost of car insurance in Mesquite?
The average car insurance rate in Mesquite is $1,638 per year. That's more expensive than the statewide average in Texas ($1,415) and more expensive than the national average of $1,548. Our guide to Mesquite auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
MESQUITE CAR INSURANCE RATES
|Mesquite Average (yearly)||Texas Average||U.S. Average|
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Mesquite car insurance rates by insurer
One of the most important determinants of your car insurance rates is the insurance company you work with. In Mesquite, GEICO provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in Mesquite — but don't forget to get personalized car insurance quotes to match your driving profile.
MESQUITE CAR INSURANCE RATES BY COMPANY
|Insurer||Average Annual Rate|
Mesquite car insurance premiums by age
The age bracket that pays the least for auto insurance in Mesquite consists of drivers in their age_50s, who pay an average of $1,424. Drivers in their age_60s pay marginally higher rates — $1,473 per year.
The Mesquite drivers facing the priciest insurance rates are teenagers. When drivers hit their 20s in Mesquite and move out of the teenage age bracket, they reduce their premiums substantially. In Mesquite, teenage drivers pay $4,187 — a full $2,714 more than the second-most expensive rate paid by an age group.
MESQUITE CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age||Average Yearly Rate|
Mesquite auto insurance premiums by gender and marital status
Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Mesquite, married motorists pay $108 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Mesquite, single drivers pay more than those who are widowed.
Gender is another factor that can affect auto insurance rates. In Mesquite, the gap in average auto insurance premiums between genders is $9 per year, with male drivers paying more than female drivers.
MESQUITE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Gender/Marital Status||Average Annual Rate|
Mesquite car insurance premiums by accident and violation history
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Mesquite drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $895 per year versus the city average. A ticket for speeding results in a $139 rate hike while a DWI or DUI violation costs $915per year in extra insurance expenditures.
MESQUITE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$2,077|
|At-fault Accident (damages greater than $2,000)||$2,485|
|Speeding Ticket (16-20 mph over speed limit)||$1,777|
Mesquite car insurance rates by credit tier
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In Mesquite, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 61% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Mesquite, improving your credit to "Fair" could help you earn a $1,414 decrease in yearly insurance premiums.
MESQUITE CAR INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Rate (annual)|