Cheapest Car Insurance Quotes In Baytown, TX For 2024

Texas Farm Bureau offers the most affordable car insurance option in Baytown, with an average rate of $24 per month.

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Updated: 28 March 2024
Written by
Bob Phillips
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When searching for the most budget-friendly car insurance in Baytown, TX, options can vary, but Texas Farm Bureau stands out for its competitive rates. On average, residents can obtain car insurance for about $24 per month, significantly lower than the state’s average of $125.

For those interested in the most economical liability-only coverage, Texas Farm Bureau is the top choice. Meanwhile, drivers seeking more comprehensive protection may find that Texas Farm Bureau offers the best rates for full coverage policies, priced at $56 a month. Additionally, State Farm provides the most affordable rates for young drivers, at $102 per month.

Cheapest Car Insurance Companies In Baytown, TX

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Cheapest Minimum Coverage - Texas Farm Bureau
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Cheapest For Full Coverage - Texas Farm Bureau
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Cheapest For Seniors - Texas Farm Bureau
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Cheapest For Teenagers - Nationwide
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Cheapest For Good Drivers - Texas Farm Bureau
Cheapest Car Insurance, Baytown, TX

Our Methodology

Leveraging a comprehensive analysis that considers various aspects such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experiences, I've developed an in-depth understanding of the landscape of car insurance providers in Baytown, TX. This perspective is informed by over 15 years of personal involvement in the industry as a licensed insurance agent. It encompasses extensive interactions with representatives from various companies and insights gleaned from firsthand experience.

65

Quotes Analyzed

15+

Years of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Baytown, TX?

Texas Farm Bureau provides the most affordable car insurance in Baytown, TX, with coverage available for $140 per month.

Comparing rates, it’s evident that prices are significantly below the average rates in both Texas and the entire United States, as illustrated in the table below:

Area Average Monthly Rate
National $152
Texas $125
Baytown, TX $140

It’s important to consider that the average national cost of car insurance encompasses both high-cost states like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates can vary significantly based on factors including vehicle type, coverage amount, zip code, driving record, and more.

Cheapest Car Insurance Rates In Baytown For Full Coverage

Texas Farm Bureau offers the most budget-friendly car insurance rates for full coverage in Baytown, with quotes averaging around $56 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $56 $670
GEICO $95 $1,141
Mercury $80 $958
Allstate $75 $896
State Farm $57 $682

Full coverage car insurance offers comprehensive protection that extends beyond the basic requirements mandated by law. This type of insurance typically combines comprehensive and collision coverages.

Comprehensive coverage safeguards against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage ensures financial protection for vehicle damages due to accidents, regardless of fault.

Cheapest Car Insurance Rates In Baytown For Minimum Coverage

Texas Farm Bureau stands out as the most affordable car insurance company for minimum coverage in Baytown, offering an average monthly cost of $24.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $24 $286
Progressive $42 $500
Mercury $43 $514
State Farm $48 $574
Nationwide $49 $581

The minimum car insurance policy should include at least the following coverages:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury per accident
  • $25,000 for property damage per accident

Having minimum car insurance offers some protection while on the road, but it does not include collision or comprehensive insurance. This means damages to your own vehicle in the event of an accident or other incidents like theft and natural disasters won’t be covered.

Driving without insurance is illegal in Texas. Failing to provide proof of insurance during a traffic stop can result in various penalties, ranging from fines to license suspension or worse.

Cheapest Car Insurance Rates In Baytown For Young Adults

State Farm provides the most affordable quotes for young adults in Baytown, with rates averaging around $102 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $102 $1,222
GEICO $242 $2,917
Allstate $257 $3,020
Progressive $264 $3,119
Foremost $278 $3,214

In Texas, young adult drivers generally enjoy lower car insurance rates compared to their teenage counterparts. This difference in pricing is attributed to the maturation of driving habits and a corresponding decrease in risk-taking behaviors as drivers age.

Statistically, young adults are less likely to file claims with insurance companies, reflecting a reduction in accident involvement. As a result, insurers decrease premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Baytown For Seniors

Texas Farm Bureau offers the most budget-friendly car insurance rates for seniors in Baytown, with average quotes averaging around $47 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $47 $562
GEICO $92 $1,095
Progressive $93 $1,107
Mercury $101 $1,213
Chubb $104 $1,249

In Texas, many seniors may encounter advantageous car insurance rates influenced by various beneficial factors. While age is often considered in insurance rate determinations, with older age sometimes associated with decreased driving ability, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Baytown For Teenagers

Teenage drivers in Baytown can obtain the most budget-friendly quotes from Nationwide, with average monthly premiums of $196.

Provider Average Monthly Cost Average Annual Cost
State Farm $201 $2,410
GEICO $319 $3,832
Nationwide $196 $2,350
Foremost $354 $4,112
Progressive $380 $4,591

Teenage drivers often face the most expensive car insurance premiums, and this is predominantly due to their inexperience behind the wheel. Insurance providers consider these young motorists to be a high-risk category because they are statistically more prone to be involved in accidents and commit traffic infractions.

Cheapest Car Insurance Rates In Baytown For Good Drivers

For good drivers in Baytown, the most affordable car insurance quotes can be found from Texas Farm Bureau, typically averaging around $24 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $24 $286
Progressive $42 $500
Mercury $43 $514
State Farm $48 $574
Nationwide $49 $581

Drivers with clean driving records in Baytown typically receive lower car insurance rates because they’re perceived as lower risk by insurance companies. Insurers use driving records to assess how safely a person drives, and fewer incidents like accidents or traffic violations indicate that the driver is cautious and less likely to file a claim.

Because insurers base their rates on the likelihood of a driver making a claim, having a spotless driving record can result in significant savings on premiums. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Baytown For Drivers With Prior Incidents

In Baytown, drivers with records of traffic violations, including accidents, speeding, or DUIs, often encounter challenges in obtaining affordable car insurance. Such driving infractions lead insurance companies to classify them as high-risk, indicating a greater likelihood of filing future insurance claims.

As a result, insurance providers increase their rates for these individuals to offset the risk of facing higher claim payouts.

Cheapest Car Insurance Rates In Baytown For Drivers With A Speeding Ticket

Texas Farm Bureau offers very competitive rates compared to other companies, with average rates of $55 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $55 $673
Travelers $241 $2,842
Geico $100 $1,198
Allstate $73 $874
Progressive $147 $1,762

Cheapest Car Insurance Rates In Baytown For Drivers With An At-Fault Accident

Texas Farm Bureau provides the most affordable car insurance quotes for drivers with an at-fault incident, with an average rate of $90 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $90 $1,078
Dairyland $259 $3,218
Foremost $265 $3,242
Progressive $190 $2,278
Allstate $110 $1,318

Cheapest Car Insurance Rates In Baytown For Drivers After A DUI

Texas Farm Bureau offers the most budget-friendly rates for drivers with a DUI on their record in Baytown, with average monthly premiums of $105.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $105 $1,258
Chubb $269 $3,286
Progressive $137 $1,642
Geico $155 $1,858
Allstate $115 $1,378

Best Car Insurance Companies In Baytown

For drivers in Baytown, TX, selecting the right car insurance company involves finding affordable rates and securing reliable protection on the road. Below are the top 10 car insurance companies in Baytown, TX, ranked by the average monthly rate they offer.

Company Monthly Premium
Nationwide $170
GAINSCO $90
Texas Farm Bureau $93
Direct Auto $101
State Farm $101
Kemper $146
Mercury $152
Clearcover $74
SafeAuto $112
USAA $120

Average Car Insurance Rates By Age In Baytown

Age Average Yearly Rate
Teenagers $3,992
20s $2,100
30s $1,392
40s $1,356
50s $1,284
60s $1,188
70s $1,404

Age plays a crucial role in determining car insurance rates. Generally, younger drivers, especially teens and young adults, encounter higher insurance premiums due to their inexperience and statistically higher likelihood of accidents and traffic violations. As drivers reach the age of 25, their rates usually begin to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often found for drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, thereby influencing the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Baytown

Vehicle Average Monthly Rate
Dodge Ram 1500 $91
Kia Forte $150
Ford Mustang $86
Nissan Altima $267
Toyota Corolla $48

The type of vehicle you drive significantly influences your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers consider these aspects because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Texas?

City Average Monthly Rate
Midland $118
Pharr $145
Beaumont $127
Arlington $130
Alpine $118
El Paso $122
Fort Worth $123
Tyler $120
Irving $135
Lubbock $116

The city where you live has a significant impact on your car insurance rates. Insurance companies evaluate various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates. These risks are typically higher in urban areas, leading to increased premiums.

FAQs

Who has the lowest car insurance rates in Baytown?

The lowest car insurance rates in Baytown are provided by Texas Farm Bureau for both the minimum coverage required by the State of Texas and full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Baytown?

The average cost of car insurance in Baytown is approximately $140 per month. However, rates may vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant considerations.

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