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If you're looking for the best and cheapest car insurance in Higgins, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Higgins and prepared this guide for you.

The average auto insurance cost in Higgins for full coverage is $1,702 for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Higgins. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance Companies in Higgins

According to a study by Insurance.com, the cheapest car insurance companies in Higgins for 2022 are State Farm Mutl Automobile Ins and Colonial County Mutual .

State Farm Mutl Automobile Ins is the cheapest option for most Higgins drivers, with an average annual rate of $1,073.

Car insurance cost may vary in Higgins based on your location, driving record, coverage level and the insurance company you choose. To get the best deal make sure you compare rates from multiple carriers.

The following companies are known to offer the cheapest auto insurance rates in Higgins

CompaniesAverage Annual Rates
State Farm Mutl Automobile Ins$1,073
Colonial County Mutual$1,237
Auto Club County Mutl$1,253
United Svcs Automobile Assn$1,418
Mercury County Mutual$1,462
GEICO County Mutual$1,474
Progressive County Mutl$1,618
Foremost County Mutual$2,126
Met Lloyds of TX$2,346
Allstate F&C$3,014

Cheapest car insurance cost in Higgins by Age Group

The cheapest auto insurance company in Higgins for teen drivers is Texas Farm Bureau Mut Ins Co. For full coverage, its average annual rate for Higgins drivers is $2,535. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

State Farm Mut Auto Ins Co is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Higgins at about $1,884 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Higgins is the State Farm Mut Auto Ins Co. Its average rate for a full coverage car insurance policy is $1,212 per year.

If you are a senior driver in Higgins and looking for a cheap car insurance company, then consider buying insurance from the State Farm Mut Auto Ins Co. It is the cheapest auto insurance company for senior drivers with an average premium of $1,118 per year.

CompaniesAdultsSeniorsTeensYoung Adults
State Farm Mut Auto$1,212$1,118$2,928$1,884
Texas Farm Bureau Mut$1,295$1,200$2,535$1,926
Geico County Mutual .$1,578$1,410$3,159$1,997
AAA TX Cnty Mut$1,581$1,508$4,595$2,520
Colonial Cnty Mut$1,613$1,568$5,466$2,882
Allstate Fire & Cas$2,991$3,028$7,025$4,747

Cheapest car insurance companies in Higgins by driver profile

Car insurance rates in Higgins 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.

To find the cheapest car insurance company in Higgins, it's important to compare rates from multiple providers. This way, you can find the best deal that meets your needs and budget

Here are some of the cheapest car insurance companies in Higgins based on driver profile.

  • Cheapest for a driver with Poor Credit: Colonial County Mutual
  • Cheapest for a driver with a speeding ticket: State Farm
  • Cheapest for accident: State Farm
  • Cheapest for DUI: State Farm

Cheapest for a driver with Poor Credit: Colonial County Mutual

The cheapest car insurance company for a driver with poor credit is Colonial County Mutual . It offers auto insurance for Higgins drivers at about $2,710 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
Colonial County Mutual$2,710
Auto Club$2,766
State Farm$2,886
United$3,269
Mercury$3,532
Foremost County Mutual$3,809
Progressive$4,135
Geico$4,594
Allstate$6,718
Met Lloyds of TX$10,824

Cheapest for drivers with a speeding ticket: State Farm

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Higgins. It offers full coverage car insurance for drivers age 30 at about $1,372 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. To find the best deal, it's important to compare rates from multiple providers. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
State Farm$1,372
United$2,107
Colonial County Mutual$2,196
Geico$2,552
Auto Club$2,559
Progressive$2,965
Mercury$3,159
Met Lloyds of TX$3,884
Allstate$4,283
Foremost County Mutual$4,342

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

State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault bodily injury accident in Higgins is $1,591. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
State Farm$1,591
Geico$2,532
Colonial County Mutual$2,543
United$2,812
Auto Club$2,820
Progressive$3,310
Mercury$3,915
Foremost County Mutual$5,463
Allstate$6,600
Met Lloyds of TX$8,696

Cheapest auto insurance after a DUI: State Farm

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 $2,033.

If you are convicted of a DUI, your auto insurance rates are likely to go up. But one way to find an affordable insurance policy is to shop around and compare quotes from multiple insurers.

CompaniesAverage Annual Rates
State Farm$2,033
Progressive$2,696
Geico$2,773
Auto Club$2,831
Mercury$2,985
United$3,029
Colonial County Mutual$3,120
Foremost County Mutual$3,604
Allstate$6,631
Met Lloyds of TX$9,961

Average car insurance cost in Higgins

The average car insurance rate in Higgins for full coverage is $1,702 per year or $142 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Higgins is $386 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,702$386

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