Cheapest Car Insurance Quotes in Mercedes

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Mercedes Car Insurance

^$ 56

/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 $1432 for a six-month policy, which is $153 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $885, 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

$1432

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Mercedes

1st place: Mercury

At $885 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 $918 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 $925 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 Mercury, offering policies at just $885 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $918.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2747 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
Mercury	$885	$148
Texas Farm Bureau	$918	$156
AAA Texas	$925	$155
State Farm	$958	$161
USAA	$1045	$176
Redpoint Insurance	$1091	$186
AAA	$1344	$224
Progressive	$1397	$235
Southern County Mutual	$1444	$241
Allstate	$3007	$506
Farmers	$2747	$467

Key Takeaways

Way's key takeaways about car insurance in Mercedes

The auto insurance costs in Mercedes fall around $885 for six months.
The cheapest auto insurance company in Mercedes is USAA.
Teen drivers pay the highest rate in Mercedes at $1524 per month.

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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.

USAA provides the cheapest minimum car insurance coverage in Mercedes. Their Average 6 Month Premium is $333. Farmers is the most expensive at $1084 for the same period.

Cheapest Liability Coverage in Mercedes, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$333	$56
Texas Farm Bureau	$346	$59
State Farm	$360	$60
Redpoint Insurance	$373	$64
Mercury	$432	$73
AAA	$479	$82
AAA Texas	$479	$80
Progressive	$493	$83
Allstate	$1038	$175
Farmers	$1084	$180

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 Mercury at $148 per month and $885 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mercedes, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$885	$148
Texas Farm Bureau	$918	$156
AAA Texas	$925	$155
State Farm	$958	$161
USAA	$1045	$176
Redpoint Insurance	$1091	$186
AAA	$1344	$224
Progressive	$1397	$235
Southern County Mutual	$1444	$241
Allstate	$3007	$506
Farmers	$2747	$467

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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

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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 $65 per month. At $8968 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$380	$65
Southern County Mutual	$493	$82
Mercury	$532	$91
AAA Texas	$606	$101
USAA	$1523	$256
State Farm	$1623	$273
Texas Farm Bureau	$1704	$290
AAA	$2794	$466
Allstate	$5116	$861
Progressive	$7132	$1201
Farmers	$8968	$1524

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 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 Farmers, offering rates of around $4551 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$579	$96
Foremost	$692	$118
AAA Texas	$738	$123
Dairyland	$858	$146
USAA	$1290	$215
Progressive	$1849	$311
AAA	$2242	$374
Allstate	$5275	$897
State Farm	$6886	$1148
Texas Farm Bureau	$1297	$221
Farmers	$4551	$774

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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. Farmers is an expensive provider with an average six-month premium of $7551.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$380	$63
Southern County Mutual	$459	$78
AAA Texas	$712	$119
State Farm	$765	$129
Mercury	$865	$144
USAA	$1104	$186
Texas Farm Bureau	$1437	$240
AAA	$2281	$388
Progressive	$2442	$411
Allstate	$4757	$801
Farmers	$7551	$1284

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	$978	$165
USAA	$1523	$256
Progressive	$1557	$262
Nationwide	$1883	$320
AAA	$3453	$576
Allstate	$3932	$662
Texas Farm Bureau	$1104	$188
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 Mercury at $592. 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
Mercury	$592	$99
State Farm	$612	$103
AAA Texas	$632	$105
USAA	$939	$159
AAA	$2281	$381
Progressive	$2435	$414
Allstate	$3699	$616
Texas Farm Bureau	$572	$97
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 $242 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Mercedes remained steady at $78 in both February and January, 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 $56 per month, which is lower than the national average.

What is the cheapest car insurance in Mercedes?

The cheapest car insurance in Mercedes is $148 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 $1279 for a six-month policy. It will cost around $241 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: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

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 N/A 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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