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Cheapest car insurance in Mercedes, Texas (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Mercedes, Texas.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance quotes in Mercedes

Although its population is just under 16,000 people, the town of Mercedes, Texas, sees a lot of traffic—not all of it on wheels. Located along Expressway 83, it enjoys a central location in the Rio Grande Valley between interstate highways 281 and 77. Tourists flock to golf, play tennis, take selfies with Las Botas de Mercedes, and watch the birds that fly along the network of the World Birding Center.
Mercedes residents pay an average of $90 per month (or $1,081 per year) for state minimum coverage. A full coverage car insurance policy costs somewhere in the neighborhood of $194 per month or $2,326 per year. For comparison, have a look at how much nationwide and
Texas car insurance
fares.
Coverage type
Mercedes, TX
Texas
United States
State minimum
$90
$85
$77
Full coverage
$194
$198
$165
Mercedes’ biggest
car insurance
challenges relate to its hot and humid weather and the general riskiness of driving in Texas. You’ll have to look long and hard to find the lowest rates.
Jerry
makes it easy with fast, free, automatic quote comparisons from top providers.

Best car insurance companies in Mercedes

To help drivers find the best car insurance companies in Mercedes (and across the nation) Jerry conducted a national insurance shopping survey of over 15,000 American policyholders. 
While big name providers like Direct Auto, Farmers Insurance, and Allstate received mixed reviews, Texas drivers voted
Anchor General
the best provider overall. They also thought
Infinity
offered better prices while
Travelers
was voted the company with the smoothest claims handling.
If you prioritize affordability above all else, you might be interested to know who’s the cheapest car insurance provider in Mercedes:
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
Cost rating
Overall Jerry rating
$47
$125
4.2
4.5
$72
$178
4.0
4.2
Clearcover
$73
$117
N/A
N/A
$77
$152
3.8
4.2
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Mercedes

The cheapest car insurance quotes generally coincide with the lowest coverage. However, state minimum car insurance doesn’t provide much protection for your business or personal assets. At Jerry, our insurance agents generally recommend carrying at least 100k/300k/100k liability insurance and full coverage.

Cheap minimum liability insurance quotes in Mercedes

Texas car insurance laws
require every driver in Mercedes to carry a
liability car insurance
policy. Liability insurance provides coverage for the medical expenses of anyone you injure (or the repair or replacement bills for any property you damage) in a car accident that’s your fault.
Texas motorist insurance coverage must follow a 30/60/25 rule, which means at least:
Expect to pay an average of $90 per month or $1,081 per year for the state minimum coverage in Mercedes.
Though not every driver pays the same rates, here’s what Mercedes motorists paid on average for state minimum coverage.
Insurance company
Monthly minimum coverage cost
$47
$72
Clearcover
$73
$77
$95

Do you need more than minimum coverage in Mercedes?

You probably need more than the minimum coverage in Mercedes. 
The average cost of an “evident” injury in a car accident was $40,000 in 2021. With the minimum coverage, one injured person would leave you with $10,000 of out-of-pocket costs. Not to mention, it costs more than $25,000 to replace a total loss vehicle these days.
The bottom line: Opt for 50/100/50—or better yet, 100/300/100—liability coverage if you can afford it.
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Expert Insight

avatar
VP Insurance Operations, 18+ Years Experience in Insurance
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Cheapest full coverage car insurance quotes in Mercedes

Full coverage car insurance
is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle. 
Full coverage includes comprehensive and collision coverage:
  • Collision coverage
    covers the cost of repairing or replacing your car after an accident. 
  • Comprehensive coverage
    pays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters. 
Insurance requirements for leased and financed cars depend on who’s doing the leasing or lending. Some companies are satisfied with the state minimum coverage, but others have specific coverage limits they want you to meet. Nearly every major automotive finance company includes collision, comprehensive, and gap insurance in their contract conditions.3
On top of a full coverage policy, you can choose to purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. 
Jerry has helped drivers in Mercedes and beyond find full coverage quotes that won’t break the bank.
Insurance company
Monthly full coverage cost
Clearcover
$117
$125
Met360
$135
$152
$174
Lower my car insurance too!

Average cost of car insurance in Mercedes

Mercedes residents pay an average of $90 per month or $1,081 per year for the state minimum coverage. A full-coverage car insurance policy brings the average cost to $194 per month or $2,326 per year.
That’s comparable to the state average—but why aren’t costs lower for such a small town? The reasons are:
  • COVID-19: The global pandemic affected even Texas car insurance rates. For one, more drivers stayed home and then came back to the roads inexperienced; others developed bad driving habits as the roads emptied, which they kept even after lockdowns lifted; and parts and repair costs soared due to labor and supply shortages.4
  • Extreme temperatures: Mercedes is hot and humid, which contributes to visibility issues and driver fatigue. While the town isn’t inside Tornado Alley, it has an above-average number of hurricanes and floods that push up prices for comprehensive coverage.5
  • Motor vehicle fatalities: It’s risky to drive in Texas. There are 17% more motor crash deaths in the Lone Star State than the national average.6
  • Motor vehicle thefts: The rate of cars stolen per 100,000 people in Texas has shot up since 2019 to 50 points above the national average.7 The more claims and costs that insurance providers must absorb, the more they pass on to policyholders.

Car insurance quotes in Mercedes by rating factors 

Insurance companies in Mercedes use many rating factors when
deciding your auto insurance premium
:
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Mercedes?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Mercedes:

Cheap car insurance quotes in Mercedes after driving violations

Your
Texas driving record
influences your auto insurance quotes. If insurance providers see a history of violations, they may label you a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license

Cheap car insurance in Mercedes after a speeding ticket

In Texas, a speeding ticket could increase your car insurance rate by about 16%. In the city, however, numbers could climb far higher than that. Thankfully, Jerry helps drivers with speeding tickets save on car insurance. 
The table below demonstrates the average annual cost of insurance after a speeding violation, and the average rate Mercedes drivers paid as a result.
Violation
Monthly coverage cost
Rate increase (%)
Speeding
$280
97%

Cheapest car insurance in Mercedes after a DUI

A
DUI in Texas
is a serious violation that could increase your insurance rates. It could also label you a
high-risk driver
. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI, it’s important to
shop around and compare rates
.
Have a look at how much Mercedes drivers pay on average after a DUI charge.
Violation
Monthly coverage cost
Rate increase (%)
DUI
$225
58%

Cheapest car insurance in Mercedes after an at-fault accident

One of the most critical factors affecting car insurance rates is your car accident or claim history. Texas is an at-fault state, and an at-fault accident in your recent past could mean significantly higher insurance rates.
Here’s how much your premiums can rise from an at-fault accident in Mercedes.
Driving record
Monthly coverage cost
Rate increase (%)
At-fault accident
$193
36%

Cheapest car insurance in Mercedes after other driving violations

Speeding tickets, DUIs,
reckless driving
, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Mercedes.
Here’s a list of different driving violations in Texas and how much you can expect to pay if you’re charged with them.
Violation
Monthly coverage cost
Rate increase (%)
Driving without seatbelt
$168
18%
Illegal turn
$188
32%
Driving on suspended license
$226
59%
Eluding police
$509
258%

Cheap car insurance quotes in Mercedes by age

Young people and seniors generally face the highest insurance rates. 
Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid-70s.8

Cheap car insurance in Mercedes for young drivers

Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Mercedes.9 Full coverage can provide better financial protection for teen car owners who drive newer cars, as teens tend to get into more accidents.10
Staying on a parent’s policy is the best way to keep rates low. Using Jerry to find a policy is also a great option!
Age
Monthly minimum coverage cost
Monthly full coverage cost
<18
$185
$208
18-21
$176
$266

Cheap car insurance in Mercedes for middle-aged drivers 

As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+. 
Age
Monthly minimum coverage cost
Monthly full coverage cost
22-25
$107
$267
26-34
$39
$189
35-44
$64
$155
45-54
$161
$141

Cheap car insurance in Mercedes for senior drivers

Car insurance rates for seniors tend to be higher due to several reasons. The main one is that older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision.11 This translates to significant medical expenses and increased costs for insurance providers.
Age
Monthly minimum coverage cost
Monthly full coverage cost
55-64
$92
$201
65+
$59
$174

Cheap car insurance quotes in Mercedes based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates.12 The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Insurance history
Monthly coverage cost
Rate increase (%)
With coverage lapses
$194
37%

Cheap car insurance quotes in Mercedes for drivers with poor credit

Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
In practical terms, this means drivers with poor credit (524-577) pay 44% more for coverage than drivers with good credit (710-740) and 115% more than drivers with excellent credit (823+).13
Have a look at how much your credit score can affect your insurance in Texas.
Credit score
Monthly coverage cost
< 600
$226
601-699
$217
700+
$189

How to lower car insurance costs in Mercedes

1. Shop around and compare quotes

Going car insurance shopping
can be tedious, but it’s the best way to find the lowest rates in Mercedes. Without checking quotes from at least three different companies, you won’t know what’s considered competitive. Not to mention, you won’t know if any new deals have popped up.
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No need to go looking for phone numbers or fill out paperwork—
Jerry’s
PriceProtect™ tool makes insurance comparison shopping a matter of minutes, not hours.
It automatically collects and compares quotes from the top providers in Texas, so you can see just how much coverage you can afford.
Best of all, Jerry’s quotes are free.

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts: Get insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Good student discounts: Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Telematics discounts: Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
If you’re a business owner or homeowner, look for bundling discounts. You could save up to 25% on the right
home and auto insurance bundle
!

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage. However, this should only be done as a last resort, and you should be careful not to choose a higher deductible than you can afford.

FAQ

How much is car insurance in Mercedes?

Minimum coverage car insurance in Mercedes costs an average of $90 per month or $1,081 per year. Full coverage auto insurance costs about $194 per month or $2,326 per year.

What is the cheapest car insurance in Mercedes?

The cheapest car insurance in Mercedes is state minimum coverage, which costs about $90 per month (or $1,081 per year). However, you may find cheaper (or more expensive) rates with different providers—every driver is different, so everyone’s car insurance costs are different, too.

What is the minimum car insurance in Mercedes, Texas?

The minimum car insurance required in Mercedes, Texas follows the 30/60/25 rule. That means at least:
  • $30,000 of bodily injury liability coverage per person
  • $60,000 of bodily injury liability coverage per accident
  • $25,000 of property damage liability coverage per accident

What is the best car insurance in Mercedes?

The best car insurance company in Mercedes depends on your priorities. According to verified Texas policyholders who responded to Jerry’s national survey,
Anchor General
is the strongest choice overall,
Infinity
is the most affordable, and
Travelers
has the smoothest claims process. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 providers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.  
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. 
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
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Maria Cruz
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Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.