120+ more*Quotes generated for Insurify users in and around Mesquite, Texas within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Mesquite, Texas within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
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Licensed property and casualty insurance agent
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John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Residents in Mesquite, Texas, pay an average of $124 per month for liability-only coverage and $239 per month for full-coverage car insurance. That’s right on par with nearby Dallas’ premiums but higher than the Texas average and many other suburbs in the Dallas-Fort Worth metro area.
For example, Forney has average premiums of $126 and $224 per month for liability only and full coverage, respectively. These higher premiums could be because the area has more fatal car accidents than other cities in the region, according to Texas Department of Transportation data.[1]
The city also sits just outside Dallas proper and may be a throughway for many commuters.
The cheapest car insurance company in Mesquite, Texas, is State Farm, with an average premium of $49 per month for liability insurance. State Farm has the cheapest full coverage, at $96 per month. This is much lower than the city’s and state’s average premiums.
Texas requires all drivers to have at least $30,000 in bodily injury liability coverage per person, $60,000 per accident, and $25,000 in property damage liability.[2] Because of the city’s high traffic levels and high wind and hurricane risk, though, some Mesquite drivers may prefer full coverage for peace of mind.
See the best rates for liability and full-coverage car insurance in Mesquite below.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $49 | $96 |
| Allstate | $70 | $136 |
| Mile Auto | $72 | $153 |
| Progressive | $74 | $140 |
| GEICO | $80 | $168 |
| USAA | $89 | $172 |
| Mercury | $100 | $158 |
| First Acceptance | $103 | $248 |
| The General | $105 | $232 |
| Alinsco | $108 | $207 |
| Lone Star | $110 | $258 |
| Freedom National | $111 | $290 |
| Nationwide | $112 | $216 |
| Commonwealth Casualty | $113 | $248 |
| Dairyland | $114 | $277 |
| GAINSCO | $116 | $220 |
| Bristol West | $118 | $224 |
| Clearcover | $118 | $201 |
| Root | $119 | $192 |
| Mendota | $121 | $236 |
| Covercube | $122 | $282 |
| AssuranceAmerica | $125 | $234 |
| Sun Coast | $132 | $260 |
| Safeco | $133 | $192 |
| Direct Auto | $134 | $207 |
| National General | $135 | $221 |
| Loop | $140 | $253 |
| Elephant | $141 | $214 |
| Chubb | $151 | $292 |
| Trexis One | $156 | $317 |
| 21st Century | $175 | $337 |
| Liberty Mutual | $215 | $307 |
Cleburne, Texarkana, and Abilene are the cheapest cities for car insurance in Texas, while Houston, Fresno, and Humble are the most expensive.
Mesquite’s premiums fall just below the priciest cities and are the fifth-most expensive car insurance rates in the state. They’re slightly more expensive than nearby Rockwall. This may be because the city has a higher number of fatal accidents (and accidents in general) than many other cities.
Motor vehicle theft and thefts from motor vehicles are also on the rise, according to Mesquite crime data. See the table below for average car insurance premiums for other Texas cities.
City | Average Monthly Quote |
|---|---|
| Abilene | $129 |
| Amarillo | $152 |
| Arlington | $166 |
| Austin | $165 |
| Beaumont | $175 |
| Brownsville | $159 |
| Corpus Christi | $165 |
| Dallas | $180 |
| Denton | $156 |
| El Paso | $139 |
| Fort Worth | $159 |
| Galveston | $163 |
| Garland | $181 |
| Grand Prairie | $171 |
| Houston | $214 |
| Huntsville | $151 |
| Irving | $170 |
| Killeen | $147 |
| Laredo | $153 |
| Lubbock | $150 |
| McAllen | $170 |
| Mesquite | $182 |
| Midland | $148 |
| Odessa | $164 |
| Plano | $160 |
| San Antonio | $167 |
| San Marcos | $158 |
Pay your first week's premium and get immediate proof of insurance
Mesquite sits just on the outside of Dallas, so traffic in the area — particularly on nearby highways like Interstate 635 and Highway 80 — can be heavy.
The city’s major thoroughfares, Town East Boulevard, Military Parkway, and W. Scyene Circle, also see lots of traffic. Military Parkway sees upward of 12,000 vehicles per day, while parts of W. Scyene see more than 14,000, according to city data. Town East serves more than 25,000 cars per day. Avoiding these busier areas may help area drivers arrive faster and more safely.
Mesquite also has a growing theft problem, so being careful about your parking situation is critical. Because of the city’s high risk of wind and hurricanes, you should park your car far from trees and other debris that could pose damage in a storm. Adding comprehensive coverage to your car insurance policy can also help protect your car in the event of weather damage.
Driving history plays a big role in your car insurance premiums — in Mesquite or anywhere else you may live. People with accidents, tickets, or other violations pay higher premiums than people with clean driving records.
Just less than 3% of Mesquite drivers have a ticket, according to Insurify data, and nearly 4% have an accident on their record. Since Texas is an at-fault state, this may contribute to Mesquite’s higher insurance premiums.
Insurify data also shows that 0.57% of Mesquite drivers have a DUI on their record. Dallas County (and Texas in general) is fairly strict on these offenses, with penalties ranging from $2,000 to $10,000 in fines and up to 10 years in prison.[3]
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $182 |
| Speeding ticket | $228 |
| At-fault accident | $242 |
| DUI | $252 |
Car insurance premiums can also vary by age. Teen drivers usually pay higher rates, while senior drivers with more experience pay less.
Currently, about 28% of Mesquite residents are younger than age 18, while 11% are age 65 or older, according to U.S. Census Bureau data.[4] That means a large portion of Mesquite households may need coverage for younger drivers. Because Texas allows drivers to get a learner’s permit at age 15, this can result in more teens being added to auto insurance policies.[5]
See the table below for the average insurance rates for Mesquite drivers in different age groups.
Age | Average Monthly Quote |
|---|---|
| Teens | $266 |
| 20s | $180 |
| 30s | $145 |
| 40s | $137 |
| 50s | $125 |
| 60s | $114 |
| 70+ | $119 |
*Quotes generated for Insurify users in and around Mesquite, Texas within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Mesquite, Texas within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The following are questions drivers often ask about car insurance in Mesquite, Texas. Use this information to learn more about what costs you may face as a driver in Mesquite.
Drivers in Mesquite, Texas, pay an average of $124 per month for liability-only coverage and $239 per month for full-coverage car insurance, according to Insurify data.
State Farm has the cheapest insurance rates for drivers in Mesquite, Texas. Its average premium for liability-only insurance is $49 per month.
Yes. $300 per month for car insurance is higher than average for drivers in Mesquite, Texas. The average premium is $239 per month for a full-coverage policy and $124 per month for a liability-only policy.
Many factors affect car insurance rates in Mesquite, Texas, including your credit history, vehicle type, ZIP code, driving record, and the coverage options you choose. Shopping around may help you find lower rates, as can bundling your auto insurance with your home insurance or renters insurance policy. Qualifying for other Texas car insurance discounts can help, too.
Yes. Some insurance companies offer roadside assistance coverage as part of their car insurance policies, but not all of them do. Shop around or contact a local agent if you’re looking for this type of insurance coverage.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
Featured in
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in