Texas Auto Insurance
Texas drives a lot of miles. Victoria builds car coverage that matches how you actually use the road, finds the discounts you qualify for, and gives you a local person to call when you need to file.
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Local GEICO Insurance Agent
Dallas–Fort Worth · All of Texas
Coverage with a little grace, Texas. Auto, home, commercial and everything you park in the driveway — handled by a real neighbor serving Dallas–Fort Worth and all of Texas, from the office off LBJ Freeway in Mesquite.
Victoria Elliott runs the GEICO office on LBJ Freeway in Mesquite, serving families and businesses across Dallas–Fort Worth and all of Texas. Over 20 years across sales, service, underwriting and claims means she's stood on every side of a policy. So she knows exactly what to look after when it's yours.
★
20+
Years of experience
Every side
Sales · service · underwriting · claims
Bilingual
Talk it through your way
English
Español
Rooted here
DFW Urban League · Mesquite CPAA · United Way Dallas
★
What Victoria covers
Coverage for how Texas actually lives.
From the Dallas–Fort Worth commute to the lake house, the work truck to the family pet — Victoria writes the policy that fits your real life across Texas, and she'll tell you straight what you do and don't need. Carry more than one with her and ask how bundling brings the total down.
Home Insurance in Texas
Your house is the biggest thing you own, and Texas weather makes that personal. Victoria helps you cover it for what it would really cost to rebuild, with no surprises buried in the fine print.
Start your quoteRenters
Renting anywhere in the Metroplex? Your landlord covers the building, not your stuff. For not much a month, Victoria makes sure what's inside your place is actually protected.
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Condo and HOA coverage gets confusing fast: what the association handles, what's on you. Victoria sorts out the gap so you're covered where the master policy stops.
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From the open Texas highway to weekend rides, cover your bike the way you actually ride it — liability, collision and the extras that matter — and get back to the fun part.
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On the trail, the ranch or the dunes, your quad or side-by-side deserves real protection off the pavement. Victoria covers the ride and the rider so you can open it up with confidence.
Start your quoteBoat Insurance in Texas
Lake Ray Hubbard, Lake Lewisville, the Gulf — Texans love the water. Victoria covers the hull, the motor and you, whether it's a bass boat or a pontoon for the weekend.
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Whether it's a weekend camper or a full Class A, hitting the Texas highways means big investment on the move. Victoria covers the rig, your gear and the trips you take in it.
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Vet bills add up fast. Help cover accidents, illnesses and the unexpected for the dog or cat that's part of your Texas family, so care comes down to what's best, not just what's affordable.
Start your quoteCommercial Business Insurance
Protect the DFW business you built — property, general liability, and the coverage that keeps you open when something goes wrong. Every operation is different, so let's talk it through.
Call for a quoteCommercial Auto Insurance
Work trucks, vans and fleets that keep your Texas business moving need coverage built for the job — not a personal auto policy stretched to fit. Victoria sets it up right.
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Licensed to serve you
Four states. One local agent.
Victoria is licensed across Texas and the states next door, so wherever life takes you in the region, your coverage keeps up.
TXTexas
LALouisiana
NMNew Mexico
OKOklahoma
Proudly Mesquite
Planted in the Metroplex, all in on Mesquite.
Mesquite keeps its own gracious pace, and Victoria runs right alongside it. The office sits on LBJ Freeway, so a quote or a claim is one quick trip off the loop, the kind of visit where someone knows your name and not a phone tree and a 1-800 number.
She shows up off the clock too. You'll find her with the Dallas-Fort Worth Urban League, the Mesquite Citizens Police Academy Association, United Way Dallas and a handful of local causes she gives real time to. When you call her office, you're calling a neighbor who plans on being right here next year.
★DFW Urban League
★Mesquite CPAA
★United Way Dallas
★VFW & VA Hospital
★Chamber of Commerce
The Mesquite office
18671 Lyndon B Johnson Fwy, Suite 500
Mesquite, TX 75150
Get directions →
What coverage means in Texas
The Texas numbers, straight from the source.
Real figures from the Texas Department of Insurance and the NAIC, not a sales pitch. Policies in Texas typically include the state-required limits below. These are statewide and countrywide averages for context, not a quote for you. For your number, call Victoria.
30/60/25
Texas state-minimum auto liability limits
Texas law sets the minimum liability auto coverage a driver must carry to pay for injuries and property damage they cause to others; it does not cover the at-fault driver’s own car or injuries.
Source: Texas Department of Insurance, Auto insurance guide, 2025.
$1,428.94
Texas average auto insurance expenditure (2023)
The NAIC average expenditure estimates what the typical Texas driver paid per insured vehicle for liability, collision and comprehensive coverage combined in 2023; it is a statewide average, not a quote for any individual.
Source: NAIC, 2023 Auto Insurance Database Average Premium Supplement (Table 4), 2023.
$1,726.91
Texas combined average auto premium per insured vehicle (2023)
The NAIC combined average premium sums the average liability, collision and comprehensive premiums per insured vehicle in Texas for 2023, reflecting full-coverage pricing rather than the minimum-liability cost.
Source: NAIC, 2023 Auto Insurance Database Average Premium Supplement (Table 5), 2023.
$3,291
Texas average annual homeowners premium (2024)
This is the statewide average annual premium for Texas homeowners policies in 2024 as reported through the state’s own residential statistical plan; actual premiums vary widely by location, home value and coverage.
Source: Texas Department of Insurance, Texas homeowners insurance market overview, 2024.
$171
Countrywide average renters (HO-4) premium (2022)
The HO-4 renters policy covers a tenant’s personal belongings and liability rather than the building, which is why the nationwide average premium is far lower than homeowners coverage; this is a U.S. countrywide figure shown for context.
Source: NAIC, Homeowners Insurance Report: Data for 2022 (Table 5, Countrywide), 2022.
$1,559
Countrywide average homeowners (owner-occupied) premium (2022)
This nationwide all-forms average for dwelling fire and homeowners owner-occupied policies provides a U.S. baseline against which Texas’s higher home insurance costs can be compared.
Source: NAIC, Homeowners Insurance Report: Data for 2022 (Table 4, Countrywide), 2022.
Figures shown are statewide or countrywide averages from the Texas Department of Insurance and the NAIC for the years noted. They are for general education only and are not an estimate, an offer, or a promise of any premium. Your rate depends on your own situation. Call Victoria for a real quote.
Twenty years deep, all heart
Why the Metroplex trusts Victoria
Victoria has spent more than 20 years inside this business, and she didn't skip steps to get here. Sales, service, underwriting, claims, even managing GEICO divisions. She's seen how a policy gets written, priced, and paid out. So when she sets up your coverage, she already knows where the gaps tend to hide.
That experience is the whole point. Most people only meet an insurance agent on the worst day of their year. Victoria built her office so that day goes smoother: plain answers, a real person who picks up, and someone who has actually worked a claim from the inside.
She's a Texas Tech alum and a Chi Omega, and she pours real time into the community, from the VA Hospital and VFW posts to United Way Dallas and Genesis Women's Shelter. When she's off the clock she's running half-marathons, on the yoga mat, cooking, or out camping with family. High energy is just how she works.
Want to build something here?
Grow a career with a Mesquite agency that's going places.
Victoria is always looking for sharp, driven people who want a real shot in insurance sales and service. If that's you, reach out and start the conversation.
Ask about joining the team
Awards & recognition
Two decades of earned recognition.
A track record built one Texas neighbor at a time — recognized by GEICO and across the Dallas–Fort Worth community.
- 2025GEICO Military Office of the Year
- 2024GEICO Community Impact Office of the Year
- 2024GEICO Entrepreneur of the Year
- 2021Leading Women DFW Award Winner
- 2020GEICO Local Office CW Top Producer
- 2019United Way Women’s Council Award
- 2016Professional in Human Resources (PHR)
- 2015GEICO Corporate Quality Award
Community involvement
Rooted in the community she serves.
Beyond policies, Victoria gives real time to the organizations that make Dallas–Fort Worth a place worth calling home.
Chi Omega Alumnae of Dallas
Vice President of Programs
Hope Cottage
Chair of Fundraising
Dallas Black Chamber of Commerce
Secretary
St. Thomas Aquinas Parents Association
Vice President, Community Outreach
Mesquite Citizens Police Academy Alumni Association
Member
Reviews
Trusted by Texas neighbors.
Victoria’s Mesquite office is highly rated on Google by families and businesses across the Metroplex. Read what neighbors are saying — or share your own experience.
Ready when you are
