Cheapest Car Insurance Quotes in Mercedes

Finding the cheapest car insurance quotes in Mercedes shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Mercedes Car Insurance

^$ 48

/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 Mercedes

The car insurance rate in Mercedes is $1250 for a six-month policy, which is $134 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $745, making it a popular choice for budget-conscious drivers. Rates in Mercedes 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 Mercedes

$1250

Avg. Car Insurance in Texas

$1116

National Average

$1140

Cheapest Car Insurance Companies in Mercedes

1st place: Texas Farm Bureau

At $745 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 $885 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 $912 for six months, making it the third cheapest auto insurance company in Mercedes.

Mercedes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mercedes, TX is Texas Farm Bureau, offering policies at just $745 for a six-month term. This is followed by Mercury, which has an average six-month premium of $885.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1197 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mercedes drivers find the best deals.

Cheap Car Insurance Companies in Mercedes, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$745	$125
Mercury	$885	$150
State Farm	$912	$153
AAA Texas	$925	$157
USAA	$1018	$171
Redpoint Insurance	$1091	$186
Progressive	$1258	$212
Southern County Mutual	$1444	$245
Allstate	$1717	$289
Farmers	$2747	$467
Redpoint County Mutual	$1071	$183
Geico County Mutual	$1197	$204

Key Takeaways

Way's key takeaways about car insurance in Mercedes

The auto insurance costs in Mercedes fall around $745 for six months.
The cheapest auto insurance company in Mercedes is Texas Farm Bureau.
Teen drivers pay the highest rate in Mercedes at $82 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Mercedes

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 Mercedes are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Mercedes. Their Average 6 Month Premium is $286. Geico County Mutual is the most expensive at $373 for the same period.

Cheapest Liability Coverage in Mercedes, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$286	$48
USAA	$319	$54
Progressive	$333	$56
State Farm	$339	$57
Redpoint Insurance	$373	$62
Mercury	$432	$73
AAA Texas	$479	$80
Allstate	$659	$111
Farmers	$1084	$180
Redpoint County Mutual	$360	$59
Geico County Mutual	$373	$64

Cheapest Full Coverage Car Insurance in Mercedes

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 Mercedes is Texas Farm Bureau at $125 per month and $745 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mercedes, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$745	$125
Mercury	$885	$150
State Farm	$912	$153
AAA Texas	$925	$157
USAA	$1018	$171
Redpoint Insurance	$1091	$186
Progressive	$1258	$212
Southern County Mutual	$1444	$245
Allstate	$1717	$289
Farmers	$2747	$467
Redpoint County Mutual	$1071	$183
Geico County Mutual	$1197	$204

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Average Car Insurance in Mercedes 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 Mercedes, TX increasing?

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

Car Insurance Premiums by Age in Mercedes

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	$783
40s	Nationwide	$777
50s	Texas Farm Bureau	$693
60s	Texas Farm Bureau	$641
70s	Texas Farm Bureau	$688

Cheapest Car Insurance Rates for Teen Drivers in Mercedes,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Mercedes at $63 per month. At $493 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	$380	$63
Southern County Mutual	$493	$84
Mercury	$532	$88
AAA Texas	$606	$103
Texas Farm Bureau	$1324	$223
USAA	$1444	$243
State Farm	$1497	$252
Allstate	$3759	$633
Progressive	$6413	$1080
Farmers	$8968	$1524
Redpoint County Mutual	$366	$63
Geico County Mutual	$493	$82

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 Mercedes.

As young drivers face the highest rates in Mercedes, Texas Farm Bureau offers the cheapest auto insurance rates at $783 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 Mercedes, Mercury is the cheapest car insurance provider. At $579 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 Mercedes is State Farm, offering rates of around $5023 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$579	$99
Foremost	$692	$115
AAA Texas	$738	$125
Dairyland	$858	$143
Allstate	$1124	$192
USAA	$1151	$192
Texas Farm Bureau	$1297	$221
Progressive	$1796	$302
Farmers	$4551	$774
State Farm	$5023	$837

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Save up to $971/yr on car insurance rates in Mercedes.

Car Insurance Rates with An Accident in Mercedes

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

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

The cheapest car insurance companies after an at-fault accident in Mercedes include Redpoint Insurance and Southern County Mutual, offering $380 and $459, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $459.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$380	$63
Southern County Mutual	$459	$78
State Farm	$706	$119
AAA Texas	$712	$121
Mercury	$865	$144
USAA	$1057	$178
Texas Farm Bureau	$1170	$197
Progressive	$2175	$366
Allstate	$2448	$412
Farmers	$7551	$1284
Redpoint County Mutual	$366	$60
Geico County Mutual	$459	$78

Mercedes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mercedes TX. For example, the car insurance in Mercedes after a DUI increases to $878 for a six month policy. While the rate increases by $206 for a six-month policy in the case of a speeding ticket.

Mercedes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1437	$240
One Med/PIP claim	$1450	$246
One comp claim	$1523	$254
Not-at-fault accident	$1537	$261
Two Med/PIP claims	$1543	$258
Failure to show documents	$1597	$271
Driving with expired registration	$1609	$269
Two comp claims	$1623	$276
Cell phone violation	$1636	$273
Driving without lights	$1636	$278
Texting while driving	$1636	$273
Driving too slowly	$1643	$279
Speeding 11 - 15 MPH over limit	$1643	$274
Speeding 16 - 20 MPH over limit	$1643	$279
Speeding 6 - 10 MPH over limit	$1643	$274
Speeding in school zone	$1643	$279
Child safety restraint	$1650	$276
Failure to wear a seat belt	$1650	$280
In 65 MPH zone	$1656	$277
Failure to stop at a red light	$1663	$283
Failure to yield	$1663	$278
Following too closely	$1663	$283
Illegal turn	$1663	$278
Improper passing	$1663	$283
Speeding 21 - 25 MPH over limit	$1663	$278
Passing school bus	$1670	$284
Wrong way/wrong lane	$1670	$278
Operating a vehicle without permission	$1677	$286
At-fault accident - less than $1000	$1743	$290
Open container	$1962	$334
Driving with a suspended license	$2036	$339
Racing	$2156	$366
Reckless driving	$2156	$360
Leaving scene of an accident/hit and run	$2209	$375
At-fault accident - $1000-$2000	$2215	$370
Refusal to submit to a chemical test	$2281	$388
DUI	$2315	$386
At-fault accident - greater than $2000	$2408	$410

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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 Mercedes 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 Mercedes.

The cheapest car insurance premiums in Mercedes are offered by Mercury at $572 for a six-month policy. However, it can be as expensive as $3466 with companies like Farmers.

Mercedes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$572	$95
Foremost	$645	$110
Dairyland	$706	$118
AAA Texas	$745	$127
State Farm	$932	$157
Texas Farm Bureau	$1104	$188
Progressive	$1397	$235
USAA	$1430	$241
Allstate	$1823	$307
Nationwide	$1883	$320
Farmers	$3466	$578

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 Mercedes are offered by State Farm at $519. However, it can be as expensive as $3772 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mercedes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$519	$87
Texas Farm Bureau	$572	$97
Mercury	$592	$99
AAA Texas	$632	$108
USAA	$832	$139
Allstate	$1124	$192
Progressive	$1936	$323
Farmers	$3772	$642

Car Insurance Price Trends in Mercedes, Texas

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

The average cost of full coverage in the Mercedes remained steady at $232 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Mercedes remained steady at $72 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Mercedes?

The car insurance in Mercedes is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Mercedes?

The cheapest car insurance in Mercedes is $125 per month for full coverage.

How much is car insurance in Mercedes for teenagers?

Car insurance for teenagers costs $380 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 Mercedes?

The average cost of car insurance is $1116 for a six-month policy. It will cost around $212 per month to insure your car in Mercedes.

Is car insurance expensive in Mercedes?

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

Cheapest Car Insurance Quotes in Mercedes

Why you can trust Way?

How Much Is Car Insurance in Mercedes

Avg. Car Insurance in Mercedes

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Mercedes

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Mercedes Car Insurance Rates by Company

Cheap Car Insurance Companies in Mercedes, TX

Way's key takeaways about car insurance in Mercedes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mercedes

Cheapest Liability Coverage in Mercedes, TX

Cheapest Full Coverage Car Insurance in Mercedes

Cheapest Full Coverage Car Insurance Quotes in Mercedes, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mercedes by Rating Factor

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

Car Insurance Premiums by Age in Mercedes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mercedes,TX

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

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 Mercedes

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

Mercedes Car Insurance Rates by Violation

Mercedes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mercedes after a DUI

Mercedes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mercedes after Speeding ticket

Car Insurance Price Trends in Mercedes, Texas

Average Car Insurance Cost in Mercedes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mercedes, TX

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

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Data Sources