Mesquite Car Insurance

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 AverageU.S. Average
$1,638$1,415$1,548

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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
InsurerAverage Annual Rate
GEICO$1,379
USAA$1,405
State Farm$1,533
Allstate$2,729

Check out our guide to learn how to find the best cheap car insurance.



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
AgeAverage Yearly Rate
Teenagers$4,187
20s$2,130
30s$1,612
40s$1,571
50s$1,424
60s$1,473
70s$1,814

Learn more about how age influences auto insurance rates.



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 StatusAverage Annual Rate
Female$1,629
Male$1,638
Single$1,530
Married$1,530
Divorced$1,638
Widowed$1,494

Learn more about how gender and marital status have on auto insurance rates.



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/IncidentAverage Yearly Rate
DUI/DWI$2,553
Reckless Driving$2,533
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

Get more info on how a bad driving history can impact your car insurance costs.



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 ScoreAverage Rate (annual)
Very Poor$3,451
Fair$2,037
Good$1,638
Very Good$1,521
Exceptional$1,349

Get additional information on how credit impacts car insurance costs.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.