Cheapest Car Insurance Quotes in Falcon Mesa

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Falcon Mesa Car Insurance

^$ 43

/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 Falcon Mesa

The car insurance rate in Falcon Mesa is $1057 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $672, making it a popular choice for budget-conscious drivers. Rates in Falcon Mesa 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 Falcon Mesa

$1057

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Falcon Mesa

1st place: Texas Farm Bureau

At $672 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $798 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $822 for six months, making it the third cheapest auto insurance company in Falcon Mesa.

Falcon Mesa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Falcon Mesa, TX is Texas Farm Bureau, offering policies at just $672 for a six-month term. This is followed by Mercury, which has an average six-month premium of $798.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1146 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Falcon Mesa drivers find the best deals.

Cheap Car Insurance Companies in Falcon Mesa, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$672	$113
Mercury	$798	$135
State Farm	$822	$138
AAA Texas	$834	$141
USAA	$918	$155
Redpoint Insurance	$984	$168
Progressive	$1134	$191
Southern County Mutual	$1302	$221
Allstate	$1548	$261
Farmers	$2478	$421
Redpoint County Mutual	$966	$165
Geico County Mutual	$1080	$184
Germania	$432	$72
AAA	$755	$126
National General	$1146	$191

Key Takeaways

Way's key takeaways about car insurance in Falcon Mesa

The auto insurance costs in Falcon Mesa fall around $672 for six months.
The cheapest auto insurance company in Falcon Mesa is Texas Farm Bureau.
Teen drivers pay the highest rate in Falcon Mesa at $74 per month.

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Cheapest Minimum Liability Car Insurance in Falcon Mesa

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 Falcon Mesa are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Falcon Mesa. Their Average 6 Month Premium is $258. Germania is the most expensive at $432 for the same period.

Cheapest Liability Coverage in Falcon Mesa, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$258	$43
USAA	$288	$48
Progressive	$300	$51
State Farm	$306	$52
Redpoint Insurance	$336	$56
Mercury	$390	$66
AAA Texas	$432	$72
Allstate	$594	$100
Farmers	$978	$163
Redpoint County Mutual	$324	$54
Geico County Mutual	$336	$58
National General	$372	$62
Germania	$432	$74

Cheapest Full Coverage Car Insurance in Falcon Mesa

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 Falcon Mesa is Texas Farm Bureau at $113 per month and $672 for six months.

Cheapest Full Coverage Car Insurance Quotes in Falcon Mesa, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$672	$113
Mercury	$798	$135
State Farm	$822	$138
AAA Texas	$834	$141
USAA	$918	$155
Redpoint Insurance	$984	$168
Progressive	$1134	$191
Southern County Mutual	$1302	$221
Allstate	$1548	$261
Farmers	$2478	$421
Redpoint County Mutual	$966	$165
Geico County Mutual	$1080	$184
Germania	$432	$72
AAA	$755	$126
National General	$1146	$191

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Average Car Insurance in Falcon Mesa 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 Falcon Mesa, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Falcon Mesa, 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, Falcon Mesa's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Falcon Mesa

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	Texas Farm Bureau	$706
40s	Nationwide	$701
50s	Texas Farm Bureau	$625
60s	Texas Farm Bureau	$578
70s	Texas Farm Bureau	$620

Cheapest Car Insurance Rates for Teen Drivers in Falcon Mesa,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Falcon Mesa at $57 per month. At $444 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$342	$57
Southern County Mutual	$444	$76
Mercury	$480	$80
AAA Texas	$546	$93
Texas Farm Bureau	$1194	$201
USAA	$1302	$219
State Farm	$1350	$227
Allstate	$3390	$571
Progressive	$5783	$974
Farmers	$8087	$1375
Redpoint County Mutual	$330	$57
Geico County Mutual	$444	$74

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Falcon Mesa.

As young drivers face the highest rates in Falcon Mesa, Texas Farm Bureau offers the cheapest auto insurance rates at $706 for six months.

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 Falcon Mesa, Mercury is the cheapest car insurance provider. At $522 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 Falcon Mesa is State Farm, offering rates of around $4530 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$522	$89
Foremost	$624	$104
AAA Texas	$666	$113
Dairyland	$774	$129
Allstate	$1014	$173
USAA	$1038	$173
Texas Farm Bureau	$1170	$199
Progressive	$1620	$273
Farmers	$4104	$698
State Farm	$4530	$754

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Car Insurance Rates with An Accident in Falcon Mesa

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 Falcon Mesa, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Falcon Mesa

The cheapest car insurance companies after an at-fault accident in Falcon Mesa include Redpoint Insurance and Southern County Mutual, offering $342 and $414, respectively. National General is an expensive provider with an average six-month premium of $582.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$342	$57
Southern County Mutual	$414	$71
State Farm	$636	$107
AAA Texas	$642	$109
Mercury	$780	$130
USAA	$953	$161
Texas Farm Bureau	$1055	$178
Progressive	$1961	$330
Allstate	$2208	$372
Farmers	$6809	$1157
Redpoint County Mutual	$330	$55
Geico County Mutual	$414	$71
National General	$582	$99

Falcon Mesa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Falcon Mesa TX. For example, the car insurance in Falcon Mesa after a DUI increases to $792 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Falcon Mesa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1296	$216
One Med/PIP claim	$1308	$222
One comp claim	$1374	$229
Not-at-fault accident	$1386	$235
Two Med/PIP claims	$1392	$232
Failure to show documents	$1440	$244
Driving with expired registration	$1451	$242
Two comp claims	$1463	$248
Cell phone violation	$1476	$246
Driving without lights	$1476	$250
Texting while driving	$1476	$246
Driving too slowly	$1482	$251
Speeding 11 - 15 MPH over limit	$1482	$247
Speeding 16 - 20 MPH over limit	$1482	$251
Speeding 6 - 10 MPH over limit	$1482	$247
Speeding in school zone	$1482	$251
Child safety restraint	$1488	$248
Failure to wear a seat belt	$1488	$253
In 65 MPH zone	$1494	$249
Failure to stop at a red light	$1500	$256
Failure to yield	$1500	$250
Following too closely	$1500	$256
Illegal turn	$1500	$250
Improper passing	$1500	$256
Speeding 21 - 25 MPH over limit	$1500	$250
Passing school bus	$1506	$257
Wrong way/wrong lane	$1506	$250
Operating a vehicle without permission	$1512	$258
At-fault accident - less than $1000	$1572	$262
Open container	$1770	$301
Driving with a suspended license	$1836	$306
Racing	$1944	$330
Reckless driving	$1944	$324
Leaving scene of an accident/hit and run	$1992	$338
At-fault accident - $1000-$2000	$1998	$333
Refusal to submit to a chemical test	$2057	$349
DUI	$2088	$348
At-fault accident - greater than $2000	$2172	$370

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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 Falcon Mesa 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 Falcon Mesa.

The cheapest car insurance premiums in Falcon Mesa are offered by Mercury at $516 for a six-month policy. However, it can be as expensive as $3126 with companies like Farmers.

Falcon Mesa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$516	$86
Foremost	$582	$99
Dairyland	$636	$106
AAA Texas	$672	$114
State Farm	$840	$141
Texas Farm Bureau	$996	$170
Progressive	$1259	$212
USAA	$1290	$217
Allstate	$1644	$277
Nationwide	$1698	$289
Farmers	$3126	$521

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 Falcon Mesa are offered by State Farm at $468. However, it can be as expensive as $3402 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Falcon Mesa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$468	$79
Texas Farm Bureau	$516	$88
Mercury	$534	$89
AAA Texas	$570	$97
USAA	$750	$125
Allstate	$1014	$173
Progressive	$1746	$291
Farmers	$3402	$579

Car Insurance Price Trends in Falcon Mesa, Texas

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

The average cost of full coverage in the Falcon Mesa remained steady at $209 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Falcon Mesa rose to $65 in December, compared to $63 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Falcon Mesa?

The car insurance in Falcon Mesa is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Falcon Mesa?

The cheapest car insurance in Falcon Mesa is $113 per month for full coverage.

How much is car insurance in Falcon Mesa for teenagers?

Car insurance for teenagers costs $342 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 Falcon Mesa?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $179 per month to insure your car in Falcon Mesa.

Is car insurance expensive in Falcon Mesa?

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

Cheapest Car Insurance Quotes in Falcon Mesa

Why you can trust Way?

How Much Is Car Insurance in Falcon Mesa

Avg. Car Insurance in Falcon Mesa

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Falcon Mesa

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Falcon Mesa Car Insurance Rates by Company

Cheap Car Insurance Companies in Falcon Mesa, TX

Way's key takeaways about car insurance in Falcon Mesa

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Falcon Mesa

Cheapest Liability Coverage in Falcon Mesa, TX

Cheapest Full Coverage Car Insurance in Falcon Mesa

Cheapest Full Coverage Car Insurance Quotes in Falcon Mesa, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Falcon Mesa by Rating Factor

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

Car Insurance Premiums by Age in Falcon Mesa

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Falcon Mesa,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Falcon Mesa.

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 Falcon Mesa

Cheapest Car Insurance Companies after an At-Fault Accident in Falcon Mesa

Falcon Mesa Car Insurance Rates by Violation

Falcon Mesa auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Falcon Mesa after a DUI

Falcon Mesa car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Falcon Mesa after Speeding ticket

Car Insurance Price Trends in Falcon Mesa, Texas

Average Car Insurance Cost in Falcon Mesa by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Falcon Mesa, TX

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

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