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.
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
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.
Quotes Analyzed
Years of Industry Experience
Brands Reviewed
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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