Cheapest Car Insurance Quotes in DeSoto

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DeSoto Car Insurance

^$ 54

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in DeSoto

The car insurance rate in DeSoto is $1369 for a six-month policy, which is $90 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $845, making it a popular choice for budget-conscious drivers. Rates in DeSoto can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in DeSoto

$1369

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in DeSoto

1st place: Mercury

At $845 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: Texas Farm Bureau

Texas Farm Bureau offers auto insurance rates at $877 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA Texas

AAA Texas offers auto insurance rates at $884 for six months, making it the third cheapest auto insurance company in DeSoto.

DeSoto Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in DeSoto, TX is Mercury, offering policies at just $845 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $877.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2625 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help DeSoto drivers find the best deals.

Cheap Car Insurance Companies in DeSoto, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$845	$141
Texas Farm Bureau	$877	$149
AAA Texas	$884	$148
State Farm	$915	$154
USAA	$998	$168
Redpoint Insurance	$1042	$178
AAA	$1284	$214
Progressive	$1334	$225
Southern County Mutual	$1379	$230
Allstate	$2873	$484
Farmers	$2625	$446

Key Takeaways

Way's key takeaways about car insurance in DeSoto

The auto insurance costs in DeSoto fall around $845 for six months.
The cheapest auto insurance company in DeSoto is USAA.
Teen drivers pay the highest rate in DeSoto at $1456 per month.

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Cheapest Minimum Liability Car Insurance in DeSoto

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in DeSoto are given below.

USAA provides the cheapest minimum car insurance coverage in DeSoto. Their Average 6 Month Premium is $318. Farmers is the most expensive at $1036 for the same period.

Cheapest Liability Coverage in DeSoto, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$318	$54
Texas Farm Bureau	$331	$57
State Farm	$343	$58
Redpoint Insurance	$356	$61
Mercury	$413	$70
AAA	$458	$78
AAA Texas	$458	$76
Progressive	$471	$79
Allstate	$992	$167
Farmers	$1036	$172

Cheapest Full Coverage Car Insurance in DeSoto

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in DeSoto is Mercury at $141 per month and $845 for six months.

Cheapest Full Coverage Car Insurance Quotes in DeSoto, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$845	$141
Texas Farm Bureau	$877	$149
AAA Texas	$884	$148
State Farm	$915	$154
USAA	$998	$168
Redpoint Insurance	$1042	$178
AAA	$1284	$214
Progressive	$1334	$225
Southern County Mutual	$1379	$230
Allstate	$2873	$484
Farmers	$2625	$446

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Average Car Insurance in DeSoto by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in DeSoto, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in DeSoto, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, DeSoto's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in DeSoto

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in DeSoto,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the DeSoto at $62 per month. At $8567 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$363	$62
Southern County Mutual	$471	$78
Mercury	$508	$87
AAA Texas	$579	$96
USAA	$1455	$245
State Farm	$1550	$261
Texas Farm Bureau	$1627	$277
AAA	$2670	$445
Allstate	$4888	$823
Progressive	$6814	$1147
Farmers	$8567	$1456

Teen Car Insurance Rates in TX by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in DeSoto, Mercury is the cheapest car insurance provider. At $553 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in DeSoto is Farmers, offering rates of around $4347 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$553	$92
Foremost	$661	$112
AAA Texas	$705	$118
Dairyland	$820	$139
USAA	$1233	$205
Progressive	$1767	$297
AAA	$2142	$357
Allstate	$5040	$857
State Farm	$6578	$1097
Texas Farm Bureau	$1239	$211
Farmers	$4347	$739

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Car Insurance Rates with An Accident in DeSoto

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In DeSoto, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in DeSoto

The cheapest car insurance companies after an at-fault accident in DeSoto include Redpoint Insurance and Southern County Mutual, offering $363 and $439, respectively. Farmers is an expensive provider with an average six-month premium of $7214.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$363	$60
Southern County Mutual	$439	$75
AAA Texas	$681	$113
State Farm	$731	$123
Mercury	$826	$138
USAA	$1055	$178
Texas Farm Bureau	$1373	$229
AAA	$2180	$370
Progressive	$2333	$393
Allstate	$4544	$765
Farmers	$7214	$1226

DeSoto Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in DeSoto TX. For example, the car insurance in DeSoto after a DUI increases to $839 for a six month policy. While the rate increases by $197 for a six-month policy in the case of a speeding ticket.

DeSoto auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1373	$229
One Med/PIP claim	$1386	$235
One comp claim	$1455	$243
Not-at-fault accident	$1468	$249
Two Med/PIP claims	$1474	$246
Failure to show documents	$1526	$259
Driving with expired registration	$1538	$257
Two comp claims	$1550	$263
Cell phone violation	$1563	$261
Driving without lights	$1563	$265
Texting while driving	$1563	$261
Driving too slowly	$1570	$266
Speeding 11 - 15 MPH over limit	$1570	$262
Speeding 16 - 20 MPH over limit	$1570	$266
Speeding 6 - 10 MPH over limit	$1570	$262
Speeding in school zone	$1570	$266
Child safety restraint	$1576	$263
Failure to wear a seat belt	$1576	$268
In 65 MPH zone	$1583	$264
Failure to stop at a red light	$1589	$271
Failure to yield	$1589	$265
Following too closely	$1589	$271
Illegal turn	$1589	$265
Improper passing	$1589	$271
Speeding 21 - 25 MPH over limit	$1589	$265
Passing school bus	$1595	$272
Wrong way/wrong lane	$1595	$265
Operating a vehicle without permission	$1602	$273
At-fault accident - less than $1000	$1665	$277
Open container	$1875	$319
Driving with a suspended license	$1945	$324
Racing	$2060	$350
Reckless driving	$2060	$343
Leaving scene of an accident/hit and run	$2110	$358
At-fault accident - $1000-$2000	$2116	$353
Refusal to submit to a chemical test	$2180	$370
DUI	$2212	$369
At-fault accident - greater than $2000	$2301	$392

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in DeSoto after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in DeSoto.

The cheapest car insurance premiums in DeSoto are offered by Mercury at $547 for a six-month policy. However, it can be as expensive as $3312 with companies like Farmers.

DeSoto car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$547	$91
Foremost	$616	$105
Dairyland	$674	$112
AAA Texas	$712	$121
State Farm	$934	$157
USAA	$1455	$245
Progressive	$1487	$250
Nationwide	$1799	$306
AAA	$3299	$550
Allstate	$3757	$632
Texas Farm Bureau	$1055	$180
Farmers	$3312	$552

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in DeSoto are offered by Mercury at $566. However, it can be as expensive as $3604 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in DeSoto after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$566	$94
State Farm	$584	$98
AAA Texas	$603	$101
USAA	$897	$152
AAA	$2180	$364
Progressive	$2326	$396
Allstate	$3534	$589
Texas Farm Bureau	$547	$93
Farmers	$3604	$613

Car Insurance Price Trends in DeSoto, Texas

Car insurance rates in DeSoto have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the DeSoto remained steady at $231 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the DeSoto remained steady at $75 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in DeSoto?

The car insurance in DeSoto is $54 per month, which is lower than the national average.

What is the cheapest car insurance in DeSoto?

The cheapest car insurance in DeSoto is $141 per month for full coverage.

How much is car insurance in DeSoto for teenagers?

Car insurance for teenagers costs $363 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in DeSoto?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $230 per month to insure your car in DeSoto.

Is car insurance expensive in DeSoto?

Car insurance can be expensive in DeSoto if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in DeSoto can be affordable.

Cheapest Car Insurance Quotes in DeSoto

Why you can trust Way?

How Much Is Car Insurance in DeSoto

Avg. Car Insurance in DeSoto

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in DeSoto

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

DeSoto Car Insurance Rates by Company

Cheap Car Insurance Companies in DeSoto, TX

Way's key takeaways about car insurance in DeSoto

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in DeSoto

Cheapest Liability Coverage in DeSoto, TX

Cheapest Full Coverage Car Insurance in DeSoto

Cheapest Full Coverage Car Insurance Quotes in DeSoto, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in DeSoto by Rating Factor

I have a clean driving record. Why is my car insurance rate here in DeSoto, TX increasing?

Car Insurance Premiums by Age in DeSoto

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in DeSoto,TX

If you are in your twenties N/A is the best choice for car insurance in DeSoto.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in DeSoto

Cheapest Car Insurance Companies after an At-Fault Accident in DeSoto

DeSoto Car Insurance Rates by Violation

DeSoto auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in DeSoto after a DUI

DeSoto car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in DeSoto after Speeding ticket

Car Insurance Price Trends in DeSoto, Texas

Average Car Insurance Cost in DeSoto by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near DeSoto, TX

Car Insurance Rates by State in the USA (2025 Update)

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