Cheapest car insurance companies in Higgins 

After an in-depth analysis, Insurance.com found that Texas Farm Bureau and Nationwide are the cheapest car insurance companies in Higgins for 2023. 

Texas Farm Bureau is the cheapest option for most Higgins drivers, with an average annual rate of $1,273

Car insurance costs may vary in Higgins based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Higgins.

CompaniesAverage annual rates
Texas Farm Bureau$1,273
Nationwide$1,585
Redpoint County Mutual$1,749
Auto Club Enterprises (AAA)$1,751
Geico$1,763
State Farm$1,802
USAA$1,805
Allstate$3,036
Progressive$3,275

Cheapest car insurance cost in Higgins by Age Group 

Redpoint County Mutual stands out as Higgins's cheapest auto insurance company for teen drivers at an average annual of $1,749. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups. 

Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.

Texas Farm Bureau provides the cheapest car insurance coverage for young drivers in Higgins, with an annual premium of $1,680 on average.

Drivers in Higgins stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Texas Farm Bureau has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,253 a year

Higgins senior drivers seeking affordable car insurance should look no further than Texas Farm Bureau. It offers the cheapest car insurance rates for seniors, with an average annual premium of $985. It makes Texas Farm Bureau a good choice for seniors who want to save money without sacrificing coverage. 

CompanyTeensYoung AdultsAdultsSeniors
FarmersN/A$6,163$3,996N/A
Redpoint County Mutual$1,749$1,749$1,749$1,749
Texas Farm Bureau$2,147$1,680$1,253$985
USAA$3,568$2,576$1,831$1,727
Geico$3,934$2,385$1,736$1,483
State Farm$4,463$2,775$1,793$1,641
Auto Club Enterprises (AAA)$5,358$3,115$1,784$1,762
Nationwide$5,847$2,833$1,573$1,541
Allstate$5,995$4,216$3,058$2,845
Progressive$11,454$5,016$3,294$3,025

Cheapest car insurance companies in Higgins by driver profile 

Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Higgins. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.

When it comes to finding the cheapest car insurance rates in Higgins, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.

Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Higgins drivers based on driver profile.

Nationwide has the cheapest rates for Higgins drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,984, Nationwide offers substantial savings among the insurers analyzed.

Drivers with poor or bad credit scores in Higgins can consider the following car insurance companies to get the affordable car insurance coverage. 

CompanyAverage annual rates
Nationwide$1,984
State Farm$2,321
Farmers$2,885
USAA$2,977
Progressive$3,247
Geico$4,076
Allstate$5,503

State Farm has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Higgins. Its full coverage car insurance policy costs an average of $1,112 per year for drivers aged 30. 

Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.

CompanyAverage annual premium
State Farm$1,112
Nationwide$1,720
USAA$1,861
Geico$2,222
Progressive$2,552
Allstate$3,450
Farmers$3,553

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Higgins with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,359 annually.

CompanyAverage annual rates
State Farm$1,359
Nationwide$2,243
Geico$2,414
USAA$2,848
Progressive$3,008
Farmers$5,051
Allstate$5,581

State Farm is the carrier that offers cheap auto insurance rates in Higgins for drivers after a DUI. Its average annual rate for full coverage is $1,911

A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.

CompanyAverage annual rates
State Farm$1,911
Progressive$2,627
Geico$2,657
USAA$2,757
Farmers$3,048
Nationwide$3,107
Allstate$6,492

Average car insurance cost in Higgins 

In Higgins, the average annual cost for full coverage car insurance is around $2,004, which breaks down to approximately $167 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Higgins is about $471.

Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as

Average annual RatesState minimum average
$2,004$471

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.