Cheapest Car Insurance Quotes in Meridian

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Meridian 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 Meridian

The car insurance rate in Meridian is $1087 for a six-month policy, which is $192 lower 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 Meridian 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 Meridian

$1087

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Meridian

1st place: Mercury

At $672 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 $697 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 $702 for six months, making it the third cheapest auto insurance company in Meridian.

Meridian Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Meridian, TX is Mercury, offering policies at just $672 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $697.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2085 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Meridian drivers find the best deals.

Cheap Car Insurance Companies in Meridian, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$672	$112
Texas Farm Bureau	$697	$118
AAA Texas	$702	$117
State Farm	$727	$122
USAA	$793	$133
Redpoint Insurance	$828	$141
AAA	$1020	$170
Progressive	$1060	$179
Southern County Mutual	$1096	$183
Allstate	$2282	$384
Farmers	$2085	$354

Key Takeaways

Way's key takeaways about car insurance in Meridian

The auto insurance costs in Meridian fall around $672 for six months.
The cheapest auto insurance company in Meridian is USAA.
Teen drivers pay the highest rate in Meridian at $1157 per month.

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Cheapest Minimum Liability Car Insurance in Meridian

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 Meridian are given below.

USAA provides the cheapest minimum car insurance coverage in Meridian. Their Average 6 Month Premium is $252. Farmers is the most expensive at $823 for the same period.

Cheapest Liability Coverage in Meridian, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$252	$43
Texas Farm Bureau	$263	$45
State Farm	$273	$46
Redpoint Insurance	$283	$48
Mercury	$328	$55
AAA	$364	$62
AAA Texas	$364	$60
Progressive	$374	$63
Allstate	$788	$133
Farmers	$823	$137

Cheapest Full Coverage Car Insurance in Meridian

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 Meridian is Mercury at $112 per month and $672 for six months.

Cheapest Full Coverage Car Insurance Quotes in Meridian, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$672	$112
Texas Farm Bureau	$697	$118
AAA Texas	$702	$117
State Farm	$727	$122
USAA	$793	$133
Redpoint Insurance	$828	$141
AAA	$1020	$170
Progressive	$1060	$179
Southern County Mutual	$1096	$183
Allstate	$2282	$384
Farmers	$2085	$354

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Average Car Insurance in Meridian 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 Meridian, TX increasing?

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

Car Insurance Premiums by Age in Meridian

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 Meridian,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Meridian at $49 per month. At $6806 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$288	$49
Southern County Mutual	$374	$62
Mercury	$404	$69
AAA Texas	$460	$77
USAA	$1156	$195
State Farm	$1232	$207
Texas Farm Bureau	$1293	$220
AAA	$2121	$354
Allstate	$3883	$654
Progressive	$5413	$911
Farmers	$6806	$1157

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 Meridian, Mercury is the cheapest car insurance provider. At $439 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 Meridian is Farmers, offering rates of around $3454 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$439	$73
Foremost	$525	$89
AAA Texas	$560	$94
Dairyland	$651	$111
USAA	$979	$163
Progressive	$1403	$236
AAA	$1702	$284
Allstate	$4004	$681
State Farm	$5226	$871
Texas Farm Bureau	$984	$167
Farmers	$3454	$587

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

Car Insurance Rates with An Accident in Meridian

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

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

The cheapest car insurance companies after an at-fault accident in Meridian include Redpoint Insurance and Southern County Mutual, offering $288 and $349, respectively. Farmers is an expensive provider with an average six-month premium of $5731.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$288	$48
Southern County Mutual	$349	$60
AAA Texas	$541	$90
State Farm	$581	$98
Mercury	$656	$110
USAA	$838	$141
Texas Farm Bureau	$1091	$182
AAA	$1731	$294
Progressive	$1853	$312
Allstate	$3610	$608
Farmers	$5731	$974

Meridian Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Meridian TX. For example, the car insurance in Meridian after a DUI increases to $666 for a six month policy. While the rate increases by $156 for a six-month policy in the case of a speeding ticket.

Meridian auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1091	$182
One Med/PIP claim	$1101	$187
One comp claim	$1156	$193
Not-at-fault accident	$1166	$198
Two Med/PIP claims	$1171	$196
Failure to show documents	$1212	$206
Driving with expired registration	$1221	$204
Two comp claims	$1232	$209
Cell phone violation	$1242	$207
Driving without lights	$1242	$211
Texting while driving	$1242	$207
Driving too slowly	$1247	$212
Speeding 11 - 15 MPH over limit	$1247	$208
Speeding 16 - 20 MPH over limit	$1247	$212
Speeding 6 - 10 MPH over limit	$1247	$208
Speeding in school zone	$1247	$212
Child safety restraint	$1252	$209
Failure to wear a seat belt	$1252	$213
In 65 MPH zone	$1257	$210
Failure to stop at a red light	$1262	$215
Failure to yield	$1262	$211
Following too closely	$1262	$215
Illegal turn	$1262	$211
Improper passing	$1262	$215
Speeding 21 - 25 MPH over limit	$1262	$211
Passing school bus	$1267	$216
Wrong way/wrong lane	$1267	$211
Operating a vehicle without permission	$1272	$217
At-fault accident - less than $1000	$1323	$220
Open container	$1489	$253
Driving with a suspended license	$1545	$258
Racing	$1636	$278
Reckless driving	$1636	$273
Leaving scene of an accident/hit and run	$1676	$285
At-fault accident - $1000-$2000	$1681	$281
Refusal to submit to a chemical test	$1731	$294
DUI	$1757	$293
At-fault accident - greater than $2000	$1828	$311

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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 Meridian 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 Meridian.

The cheapest car insurance premiums in Meridian are offered by Mercury at $434 for a six-month policy. However, it can be as expensive as $2631 with companies like Farmers.

Meridian car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$434	$72
Foremost	$490	$83
Dairyland	$536	$89
AAA Texas	$565	$96
State Farm	$742	$125
USAA	$1156	$195
Progressive	$1182	$199
Nationwide	$1429	$243
AAA	$2621	$437
Allstate	$2984	$502
Texas Farm Bureau	$838	$143
Farmers	$2631	$439

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 Meridian are offered by Mercury at $450. However, it can be as expensive as $2863 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Meridian after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$450	$75
State Farm	$464	$78
AAA Texas	$479	$80
USAA	$712	$121
AAA	$1731	$289
Progressive	$1848	$315
Allstate	$2808	$468
Texas Farm Bureau	$434	$74
Farmers	$2863	$487

Car Insurance Price Trends in Meridian, Texas

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

The average cost of full coverage in the Meridian remained steady at $184 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Meridian remained steady at $60 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 Meridian?

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

What is the cheapest car insurance in Meridian?

The cheapest car insurance in Meridian is $112 per month for full coverage.

How much is car insurance in Meridian for teenagers?

Car insurance for teenagers costs $288 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 Meridian?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $183 per month to insure your car in Meridian.

Is car insurance expensive in Meridian?

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

Cheapest Car Insurance Quotes in Meridian

Why you can trust Way?

How Much Is Car Insurance in Meridian

Avg. Car Insurance in Meridian

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Meridian

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Meridian Car Insurance Rates by Company

Cheap Car Insurance Companies in Meridian, TX

Way's key takeaways about car insurance in Meridian

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Meridian

Cheapest Liability Coverage in Meridian, TX

Cheapest Full Coverage Car Insurance in Meridian

Cheapest Full Coverage Car Insurance Quotes in Meridian, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Meridian by Rating Factor

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

Car Insurance Premiums by Age in Meridian

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Meridian,TX

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

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 Meridian

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

Meridian Car Insurance Rates by Violation

Meridian auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Meridian after a DUI

Meridian car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Meridian after Speeding ticket

Car Insurance Price Trends in Meridian, Texas

Average Car Insurance Cost in Meridian by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Meridian, TX

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

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