Average car insurance cost in Bishop

The average car insurance rate in Bishop for full coverage is $1,925 per year or $160 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Bishop is $646 per year. The state minimum liability limits are 30/60/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$963
Average annual premium$1,925
State minimum premium$646

Cheapest car insurance companies in Bishop

Texas Farm Bureau offers the cheapest rates on average at $1,146 per year. Geico is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Bishop.

CompanyAverage 6 month rateAverage annual rate
Texas Farm Bureau$573$1,146
Geico$745$1,490
Nationwide$805$1,610
State Farm$948$1,895
Auto Club Enterprises (AAA)$1,045$2,090
Redpoint Insurance$1,068$2,136
Progressive$1,235$2,469
Allstate$1,378$2,756
USAA$867$1,735

Cheapest car insurance cost in Bishop by age group

Car insurance rates in Bishop vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Bishop by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Redpoint Insurance
  • Cheapest for young adults: Texas Farm Bureau
  • Cheapest for adults: Texas Farm Bureau
  • Cheapest for seniors: Texas Farm Bureau

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Redpoint Insurance offers the cheapest car insurance for teens at $2,136 per year.

Texas Farm Bureau offers the most affordable auto insurance for young adults at $1,592 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Texas Farm Bureau provides the lowest car insurance rates at $1,138 per year for adult drivers in Bishop.

Texas Farm Bureau offers the least expensive car insurance for senior drivers in Bishop, at $971 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Texas Farm Bureau$2,203$1,592$1,138$971
Geico$3,531$1,967$1,485$1,468
Nationwide$5,876$2,856$1,601$1,588
State Farm$4,996$2,998$1,893$1,793
Auto Club Enterprises (AAA)$6,801$3,778$2,131$2,138
Redpoint Insurance$2,136$2,136$2,136$2,136
Progressive$10,917$4,197$2,486$2,498
Allstate$5,569$3,853$2,784$2,669
FarmersNA$6,294NANA
USAA$3,654$2,482$1,755$1,764

Cheapest car insurance companies in Bishop by driver profile

Car insurance rates in Bishop vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Bishop by driver profile.

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Bishop pay about $2,259 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Bishop.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$1,130$2,259
Auto Club Enterprises (AAA)$1,624$3,247
Geico$2,065$4,130
Progressive$2,130$4,260
Allstate$2,159$4,318
State Farm$5,240$10,480
USAA$1,601$3,202

Cheapest auto insurance after an at-fault accident: State Farm

In Bishop, State Farm offers the cheapest car insurance for drivers with at-fault accident at $2,187 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Bishop.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,094$2,187
Geico$1,176$2,352
Nationwide$1,369$2,737
Auto Club Enterprises (AAA)$1,702$3,404
Progressive$1,929$3,857
Allstate$2,169$4,338
USAA$1,368$2,735

Cheapest auto insurance after a DUI: Geico

Geico offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,638 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Bishop.

CompanyAverage 6 month premiumAverage annual premium
Geico$1,319$2,638
Progressive$1,453$2,905
State Farm$1,460$2,919
Auto Club Enterprises (AAA)$1,729$3,457
Nationwide$1,765$3,529
Allstate$2,157$4,314
USAA$1,302$2,604

Cheapest for drivers with a speeding ticket: Nationwide

Nationwide offers the cheapest car insurance at $1,955 in Bishop for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$978$1,955
Geico$1,177$2,354
Auto Club Enterprises (AAA)$1,550$3,099
Progressive$1,657$3,314
USAA$982$1,964

Car insurance discounts for Bishop drivers

The biggest car insurance discount available in Bishop is for the years insured category at 40.15%, offered by Auto Club Enterprises (AAA).

Car insurance is essential for drivers in Bishop, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Bishop drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$3,4191.17%$40
Air BagsAuto Club Enterprises (AAA)$2,5933.93%$102
Air BagsChubb Ltd$3,0201.59%$48
Air BagsGeico$1,7372.71%$47
Air BagsGermania Insurance$1,8091.16%$21
Air BagsNationwide$1,8883.18%$60
Air BagsTX Farm Bureau$1,2570.24%$3
Anti-Theft DeviceAuto Club Enterprises (AAA)$2,5931.08%$28
Anti-Theft DeviceChubb Ltd$3,0200.83%$25
Anti-Theft DeviceGeico$1,7370.81%$14
Anti-Theft DeviceState Farm$1,3071.53%$20
Daily CommuteChubb Ltd$3,0205.70%$172
Days Advanced PurchaseAllstate$3,4199.13%$312
Days Advanced PurchaseAuto Club Enterprises (AAA)$2,5935.05%$131
Days Advanced PurchaseGermania Insurance$1,8095.69%$103
Days Advanced PurchaseMercury Insurance$1,7835.66%$101
Days Advanced PurchaseNationwide$1,8883.60%$68
Days Advanced PurchaseProgressive$2,9527.44%$220
Days Per Week DrivenChubb Ltd$3,0208.51%$257
Days Per Week DrivenGermania Insurance$1,8099.29%$168
EducationProgressive$2,9525.45%$161
Electronic Funds TransferAllstate$3,4194.56%$156
Electronic Funds TransferMercury Insurance$1,7834.77%$85
Electronic SignatureMercury Insurance$1,7834.71%$84
Electronic SignatureProgressive$2,95212.03%$355
HomeownerAllstate$3,4195.47%$187
HomeownerMercury Insurance$1,7836.73%$120
HomeownerProgressive$2,9522.27%$67
Lower Annual MileageAllstate$3,4197.58%$259
Lower Annual MileageAuto Club Enterprises (AAA)$2,5938.24%$214
Lower Annual MileageGeico$1,7372.69%$47
Loyalty - Years Renewal With CompanyAuto Club Enterprises (AAA)$2,5939.24%$240
Loyalty - Years Renewal With CompanyGermania Insurance$1,8097.10%$128
Loyalty - Years Renewal With CompanyState Farm$1,30722.57%$295
Loyalty - Years Renewal With CompanyTX Farm Bureau$1,2578.71%$110
Marital StatusAllstate$3,41913.86%$474
Marital StatusAuto Club Enterprises (AAA)$2,5933.32%$86
Marital StatusGermania Insurance$1,8095.47%$99
Marital StatusMercury Insurance$1,78310.94%$195
Marital StatusNationwide$1,8886.46%$122
Marital StatusProgressive$2,9525.96%$176
Marital StatusTX Farm Bureau$1,25724.90%$313
Multi PolicyAllstate$3,4196.87%$235
Multi PolicyAuto Club Enterprises (AAA)$2,59310.49%$272
Multi PolicyChubb Ltd$3,02014.11%$426
Multi PolicyGeico$1,7374.80%$83
Multi PolicyGermania Insurance$1,8099.48%$172
Multi PolicyMercury Insurance$1,78311.03%$197
Multi PolicyNationwide$1,8886.01%$114
Multi PolicyProgressive$2,95211.06%$327
Multi PolicyState Farm$1,3079.16%$120
Multi PolicyTX Farm Bureau$1,2578.91%$112
Paperless/Electornic DocumentsMercury Insurance$1,7831.79%$32
Paperless/Electornic DocumentsNationwide$1,8883.60%$68
Paperless/Electornic DocumentsProgressive$2,9520.91%$27
Payment TypeAllstate$3,4199.86%$337
Payment TypeAuto Club Enterprises (AAA)$2,5935.05%$131
Payment TypeGermania Insurance$1,80912.33%$223
Payment TypeMercury Insurance$1,78312.34%$220
Primary UseAllstate$3,4193.36%$115
Primary UseAuto Club Enterprises (AAA)$2,5939.41%$244
Primary UseChubb Ltd$3,0208.51%$257
Primary UseGermania Insurance$1,80912.99%$235
Primary UseNationwide$1,8887.20%$136
Primary UseState Farm$1,30711.48%$150
Primary UseTX Farm Bureau$1,2575.09%$64
ProfessionMercury Insurance$1,7835.35%$95
ProfessionProgressive$2,95213.28%$392
Safety DevicesAllstate$3,4196.52%$223
Safety DevicesChubb Ltd$3,0201.89%$57
Safety DevicesGeico$1,7371.32%$23
Safety DevicesGermania Insurance$1,8096.97%$126
TelematicsNationwide$1,8886.30%$119
TelematicsProgressive$2,9529.99%$295
TelematicsState Farm$1,30713.47%$176
Vehicle OwnershipChubb Ltd$3,0204.70%$142
Years InsuredAllstate$4,99626.18%$1,308
Years InsuredAuto Club Enterprises (AAA)$4,24340.15%$1,704
Years InsuredGeico$1,8759.77%$183
Years InsuredGermania Insurance$1,8852.07%$39
Years InsuredMercury Insurance$2,7405.80%$159
Years InsuredNationwide$2,67210.27%$274
Years InsuredProgressive$3,67312.05%$443
Years InsuredTX Farm Bureau$1,54318.54%$286
Years LicensedAllstate$5,5329.69%$536
Years LicensedAuto Club Enterprises (AAA)$5,51319.68%$1,085
Years LicensedGeico$2,53021.56%$545
Years LicensedGermania Insurance$2,28615.69%$359
Years LicensedNationwide$3,19916.47%$527
Years LicensedProgressive$5,37831.70%$1,705
Years LicensedState Farm$1,60116.07%$257

How to get cheap car insurance in Bishop in 2025

Find affordable car insurance in Bishop by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Bishop.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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