Cheapest car insurance companies in Higgins
Texas Farm Bureau and Nationwide have the cheapest car insurance premiums for Higgins drivers in 2023, based on a data study by Insurance.com.
Texas Farm Bureau has the cheapest car insurance rates in Higgins at an average cost of $1,273 per year.
Car insurance prices in Higgins can 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 Higgins drivers.
| Companies | Average 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
In Higgins, Redpoint County Mutual is the cheapest car insurance company for teenagers, offering full coverage policies at $1,749 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
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 is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Higgins at about $1,680 per year.
For Higgins drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. Texas Farm Bureau provides the cheapest car insurance premiums, offering full coverage policies at $1,253 annually.
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 premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $985. It makes Texas Farm Bureau a good choice for seniors who want to save money without sacrificing coverage.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Farmers | N/A | $6,163 | $3,996 | N/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
Insurers in Higgins consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
To find the cheapest car insurance company in Higgins, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Here's a list of car insurance companies that offer cheap insurance rates in Higgins based on driver profile.
- Cheapest for a driver with poor credit: Nationwide
- 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: Nationwide
The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Higgins drivers at about $1,984 per year.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Higgins.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,984 |
| State Farm | $2,321 |
| Farmers | $2,885 |
| USAA | $2,977 |
| Progressive | $3,247 |
| Geico | $4,076 |
| Allstate | $5,503 |
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 provides full coverage car insurance for drivers aged 30 at about $1,112 per year.
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.
| Company | Average annual premium |
|---|---|
| State Farm | $1,112 |
| Nationwide | $1,720 |
| USAA | $1,861 |
| Geico | $2,222 |
| Progressive | $2,552 |
| Allstate | $3,450 |
| Farmers | $3,553 |
Cheapest auto insurance after an at-fault accident: State Farm
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that State Farm offers the cheapest car insurance rates for Higgins drivers with at-fault accidents. It provides coverage at an average annual cost of $1,359.
| Company | Average annual rates |
|---|---|
| State Farm | $1,359 |
| Nationwide | $2,243 |
| Geico | $2,414 |
| USAA | $2,848 |
| Progressive | $3,008 |
| Farmers | $5,051 |
| Allstate | $5,581 |
Cheapest auto insurance after a DUI: State Farm
Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in Higgins. On average, its annual full coverage rate is $1,911, making it a significantly cheaper option than other insurance providers.
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.
| Company | Average 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 annual cost of car insurance for the coverage level of 100/300/100 is $2,004 or around $167 per month. However, the average yearly rate for state minimum coverage in Higgins is $471.
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 Rates | $2,004 |
| State minimum average | $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.
Compare auto insurance rates by city in Texas
Helpful auto insurance tools and calculators
