In Mesquite, Texas, the average cost of car insurance is $639 per year for minimum coverage and $2,050 for full coverage. However, finding the best car insurance in Mesquite entails more than simply looking for the lowest rates. There are numerous factors to consider when selecting the best carrier, such as customer service ratings and financial strength, coverage and discount options, and so on.
Mesquite is in Dallas County, Texas, where nearly 49,000 crashes were recorded in 2020 — one of the highest totals in the state. Drivers in this county looking for the cheapest car insurance in Mesquite can also find carriers that provide excellent coverage and customer service.
Mesquite's top auto insurance companies
We discovered that the best car insurance companies in Mesquite not only offer competitive rates, but also frequently excel in other areas, such as the J.D. Power score for overall customer satisfaction or AM Best financial strength ratings. The table below shows that Geico, USAA, Nationwide, and Allstate meet or exceed these criteria.
Geico
Geico has the lowest rates among the carriers reviewed and performs well in other areas. Although Geico does not have the highest J.D. Power rating, it does receive an A++ (Superior) rating for financial strength from AM Best. Another advantage of Geico is the extensive list of available discounts. Drivers can save money by taking advantage of discounts such as those for bundling and being a good driver, as well as discounts for using seatbelts and purchasing vehicle safety equipment.
USAA
USAA provides low-cost auto insurance to active-duty military personnel, veterans, and their immediate family members. USAA is the highest-scoring insurance company, with an 879 out of 1,000, though it is technically rank-ineligible due to availability constraints. USAA offers unique discounts to those who qualify for coverage, such as military installation or vehicle storage on base. Coverage options include both standard and non-standard options, such as rideshare coverage and gap insurance.
Nationwide
Nationwide does not have a J.D. Power rating in the Texas region, but it does have an A+ (Superior) rating with AM Best. Nationwide policyholders can choose from a variety of optional coverages, such as comprehensive and collision insurance, rental car reimbursement, gap coverage, and accident forgiveness. There are also numerous discounts available, including savings for being a good student, a safe driver, and remaining accident-free.
Allstate
Allstate outperforms the competition with a slightly higher J.D. Power score while maintaining an A+ (Superior) AM Best rating for financial strength. Allstate provides both standard coverages and more specialised options, such as custom sound equipment coverage. There are also numerous discounts available, including one for teen drivers and another for those who drive a new vehicle.
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