Find Car Insurance in Mesquite, TX

What You Should Know About Car Insurance in Mesquite, Texas

Known as the “Rodeo Capital of Texas”, this community in northern Texas also boasts plenty of other activities and venues to satisfy every taste. As is true of many towns in this part of Texas, Mesquite came to life as a depot town, founded by the Texas & Pacific Railway in 1873. It may be known today as a suburb of Dallas, but it has its own personality and charm, offering exciting weekly rodeo fare, an aquatics center, plenty of parks and trails, malls, shopping and theaters – even its own airport.

If rodeo is not your idea of a good time but you like thrills, you can watch high-performance car racing at Devil’s Bowl Speedway or take the family for some great barbecue.

Mesquite has a population of roughly 149,000 and many residents commute to the Dallas area for work. The town is located at the crossroads of major highways, including interstates 30, 635, 20 and U.S. Route 80. Some commuters save stress and wear on their vehicles by making use of the DART (Dallas Area Rapid Transit) commuter service from Mesquite to Dallas.

Driving in and around Mesquite can be challenging due to factors such as weather and traffic, so make you are always protected with the best car insurance in Texas. At InsureOne, we offer top-rated insurance carriers, flexible plans and affordable options.

How Much Does Car Insurance Cost in Mesquite, Texas?

How much you pay for car insurance depends on many factors, including where you live. In Mesquite, the average car insurance for a 30-year-old male purchasing the state-required minimum averages $54 per month. If they choose full coverage, that goes up to $181 monthly.

Nationwide, the average is $66 for minimum liability and $223 for full coverage. In Texas overall, the average is $214 for full coverage and $60 for the minimum. So, Mesquite drivers may see lower than average car insurance prices compared to other places.

Keep in mind, many different factors go into determining your car insurance quote and it is not likely that you will be offered the same cost.

What Does Full Coverage vs Minimum Liability Mean?

All states require their drivers to either carry some form of liability insurance to help pay for accidents they cause or be able to show they can afford to pay for the damages. This type of policy consists of bodily injury liability and property damage liability. It is only there to help pay for the damages you cause when you are determined to be at fault. It will never pay for your own damages and bills.

You can choose to purchase the state minimum (see below for Texas requirements) for the lowest possible price. However, if you hydroplane in a rain storm or slide on ice and seriously damage someone’s vehicle and injure them, you may not have enough to cover all the costs. That means the rest will come out of pocket, as well as your own damages and medical bills. Many drivers choose to increase their limits to ensure they can cover any costs they may incur in an at-fault accident.

Full coverage, on the other hand, is mainly there to pay for the damages to your own vehicle if you are at fault in an accident or if something happens to your vehicle, such as it being stolen or damaged when you are not driving. It consists of comprehensive and collision coverage (both of which have a deductible). It costs more than minimum liability, but it will better protect your financially.

Affordable Car Insurance Rates Comparison by Cities in Texas

There are many factors that go into an insurance quote – location is a major one since some areas have more congestion, which leads to more accidents, which causes more claims. That is why where you live plays a part. Compare some other cities in Texas to the average in Mesquite to see an illustration of how that works.

City	Full Coverage Insurance	Liability Insurance Coverage
Mesquite	$181	$54
Austin	$204	$59
Dallas	$184	$54
Garland	$176	$54
Plano	$162	$52

How Bundling Your Car and Homeowners Insurance Can Save You Money in Mesquite

If you own a home in Mesquite, it is possible to combine your Texas home insurance policy and your car insurance policy into what is known as a bundle. Doing this can save you up to 25-30% on your combined policies. Doing this can not only save you money but make it easier to keep track of your policies, since they will be administered under one insurer.

When you work with an independent agent, such as the ones at InsureOne, they can run the numbers for you to see if you will save money by bundling your polies together or purchasing them separately. You don’t have to give up an afternoon you could spend doing something more fun. You may find such a good deal you consider adding other policies, such as boat insurance, motorcycle insurance or life insurance.

Check with your neighborhood agent and find out what discounts today’s top-rated carriers are offering for a bundled package. You may be pleasantly surprised at your savings.

What Types of Car Insurance Discounts are Available in Mesquite?

Everybody qualifies for some discount since insurers offer something for everyone. For example, if you are a new customer, you qualify for a new customer discount. Likewise, if you are a returning client, there is a loyalty discount for you. By far, the largest discounts are reserved for safe drivers, although bundling policies also ranks high for a discount. If you belong to an organization, you may be eligible for a discount through them. Discounts are wide and varied, so always ask your agent for more details. Here is a sample:

Discount	What It’s Worth
Good or Safe Driver	10-30% Off
Anti-lock brakes	3% Off
Auto-pay	5%
Military	15% on base, 90% deployed
Good Student	15%

Notable Car Insurance Laws in Mesquite

As a part of the Dallas metro area and located at the confluence of several major highways, Mesquite drivers should exercise caution and obey all traffic laws, including:

• Commercial Parking: In Mesquite, commercial or oversized vehicles may not park in residential areas.
• Inoperable Vehicles: Vehicles that cannot be driven or are partially dismantled may not be parked within the city limits.
• Drivers Course: Motorists may have one moving violation citation dismissed upon successful completion of a driver’s safety course.

What are the Mandatory Car Insurance Requirements in Mesquite?

As is the case for all drivers in the Lone Star State, drivers in Mesquite must carry at least:

• Property Damage Liability: $25,000
• Bodily Injury Liability: $30,000 per person and $60,000 per accident

Texas is an at-fault state, meaning the driver at fault in an accident is considered liable for the repair costs and medical bills of everyone else involved. With liability insurance, your insurer will pay up to your policy limits for a covered event. For example, if you run a red light and crash into someone’s new Mercedes Benz, your insurance will pay repair bills up to your policy limits. The minimum is Texas is $25,000, which may not be enough for a brand-new Mercedes. This is one good reason to consider getting additional car insurance.

What is the Penalty for Driving without Insurance in Mesquite?

The state of Texas does not want to pay for your mistakes on the road. That is why it is illegal to drive without insurance. If you are found to be driving without coverage, the penalties can be severe, especially if you have multiple offenses. Here are some penalties for driving without insurance in Texas:

• Fines:
• First offense: A fine ranging from $175 to $350.
• Subsequent offenses can result in fines up to $1,000 or more.
• Vehicle Impoundment: If you’re caught driving without insurance, the police may impound your vehicle, which can lead to additional fees to get it back.
• License Suspension: Your driver’s license and registration could be suspended. You’ll need to provide proof of insurance (a financial responsibility insurance certificate) to reinstate it, which may involve additional fees.
• SR-22 Requirement: If your license is suspended, you may be required to file an SR-22, which is a certificate of financial responsibility showing you have car insurance. This must be maintained for a period of time (usually two years), and the cost of the insurance will likely increase due to the SR-22 requirement.
• Increased Insurance Costs: If you’re caught driving without insurance, your premiums may rise when you apply for new insurance, and it may be harder to find affordable coverage.

It’s important to have valid auto insurance in Texas to avoid these penalties and stay legal on the road.

What Factors Go into My Car Insurance Cost in Mesquite?

We discussed how your location and your driving record can play a large part in your insurance quote. No two quotes are the same because there are a wide variety of factors, each specific to you, that insurance underwriters examine before arriving at a policy cost. Here are a few other factors:

• Type of Vehicle: The type of car you insure plays a part in your price. Vehicles that are expensive to repair or lend themselves to theft may be more expensive to cover.
• Age: Young, inexperienced drivers will always have a high insurance bill. This is because as a group, they file more claims, plus there is no driving history to examine. There are ways to reduce auto insurance costs for teen drivers, including choosing the right type of car.
• Other Demographics: Insurers look at a variety of specific demographics, including marital status, level of education completed and job title.

Typical Driving Conditions in Mesquite

As a family-friendly suburb of Dallas, Mesquite can still be a challenging place to drive, considering the many major highways in the city, as well as weather conditions that include sporadic rain all year, tornadoes during summer months and ice during winter.

Mesquite has the dubious honor of having more than the average number of car accidents intersections, with 696 crashes involving 1,399 vehicles and resulting in injuries to 1,601 people in 2023. There is always plenty of construction to make your way past, as well as aggressive drivers and speeders. There is also, unfortunately, a high number of DUI incidents.

How Many Car Accidents Happen in Mesquite Per Year?

Besides a high number of DUI incidents, aggressive drivers and accidents, Mesquite saw 696 crashes involving 1,399 vehicles and resulting in injuries to 1,601 people in 2023. In 2022, the Texas Department of Transportation reported these numbers:

CRASH CATEGORY	TOTAL
Total Fatal and Injury	1,733
Fatalities	15
Serious Crashes	48
Non-Injury Crashes	1,037
Unknown Severity	146

How Many Uninsured/Underinsured Motorists are in Mesquite?

The Texas Department of Motor Vehicles reports 1 in 5 drivers are driving without insurance. Look around you while driving on Skyline Drive, Big Town Boulevard or Motley Drive. It’s scary to think that out of 5 cars around you, one may be driving with no way to help you pay for repairs and medical bills if they cause an accident and you are injured.

Uninsured motorist coverage (UM) is not required in Texas, but it is an inexpensive way to protect yourself in the event of a wreck involving someone with no insurance. For a cost that usually amounts to 5% of your annual bill, it is truly a bank balance saving tool to add to your protection package.