Mesquite Car Insurance

The Zebra
May 30, 2018

Car Insurance in Mesquite

Mesquite premiums, which surpass Texas' average by 12%, are recognized for being expensive. So saving while insuring a vehicle in Mesquite is especially important. Going over some tips below about how to save on Mesquite car insurance can save you money.

  • City Average: $2,019
  • State Average: $1,810
  • National Average: $1,427

Mesquite Car Insurance by Age

Drivers in their 50s save money on insurance premiums, as they have the smallest rates among all age groups, paying only $1,727 every year. Those in their 60s ($1,803) aren’t paying significantly more. Teenage drivers have the most expensive rates amongst all the age groups. They have car insurance payments that average $6,420 per year. The greatest drop in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Mesquite start saving an average of 62%. When drivers turn 60, they will experience a premium increase related to their age for the first time.

  • Teenagers: $6,420
  • 20s: $2,444
  • 30s: $1,990
  • 40s: $1,930
  • 50s: $1,727
  • 60s: $1,803
  • 70s: $2,235

Mesquite Car Insurance by Accident or Violation History

Possessing a spotless driving record is imperative if you want to keep the cost of car insurance rates low. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Being at-fault in an accident can cost drivers an extra $990 per year in premiums compared to the city average. Drivers with a DUI in Mesquite need to spend $832 more than the city average to insure their vehicle. Reckless driving will push your premiums up as well, with typical rates of $2,790, which are 38% higher than the city average.

  • DUI: $2,851
  • Reckless Driving: $2,790
  • At-fault Accident (damages less than $1000): $3,009
  • At-fault Accident (damages greater than $2000): $3,009
  • Speeding Ticket (16-20 mph over speed limit): $2,096

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Mesquite Car Insurance by Gender and Marital Status

There are a lot of factors, including gender and marital status, that influence car insurance premiums in Mesquite. In your city, marital status actually has a substantial impact on premiums. You can save approximately 10% per year if you're married as opposed to single. Rates for those who are widowed are also strikingly cheaper than rates for those who are single. The amount by which men's and women's car insurance premiums vary is minimal.

  • Female: $2,005
  • Male: $2,019
  • Single: $2,019
  • Married: $1,825
  • Divorced: $2,019
  • Widowed: $1,826

Mesquite Car Insurance by Credit Rating

The discrepancy between average car insurance premiums in Mesquite for those with Exceptional credit (800-850) and Very Poor credit (300-579) is $1,843/year. In terms of percent change, the greatest benefit of better credit occurs when upgrading from Very Good (740-799) to Exceptional (800-850), by which drivers can save an average of 20% per year.

  • Very Poor: $3,516
  • Fair: $2,974
  • Good: $2,470
  • Very Good: $2,087
  • Exceptional: $1,673