Average car insurance cost in Higgins

The average car insurance rate in Higgins for full coverage is $2,004 per year or $167 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Higgins is $471 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$1,002
Average annual premium$2,004
State minimum premium$471

Cheapest car insurance companies in Higgins

Texas Farm Bureau offers the cheapest rates on average at $1,273 per year. Nationwide 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 Higgins.

CompanyAverage 6 month rateAverage annual rate
Texas Farm Bureau$637$1,273
Nationwide$793$1,585
Redpoint Insurance$875$1,749
Auto Club Enterprises (AAA)$876$1,751
GEICO$882$1,763
State Farm$901$1,802
Allstate$1,518$3,036
Progressive$1,638$3,275
USAA$902$1,805

Cheapest car insurance cost in Higgins by age group

Car insurance rates in Higgins 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 Higgins 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 $1,749 per year.

Texas Farm Bureau offers the most affordable auto insurance for young adults at $1,680 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 $1,253 per year for adult drivers in Higgins.

Texas Farm Bureau offers the least expensive car insurance for senior drivers in Higgins, at $985 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$2,147$1,680$1,253$985
Nationwide$5,847$2,833$1,573$1,541
GEICO$3,934$2,385$1,736$1,483
Redpoint Insurance$1,749$1,749$1,749$1,749
Auto Club Enterprises (AAA)$5,358$3,115$1,784$1,762
State Farm$4,463$2,775$1,793$1,641
Allstate$5,995$4,216$3,058$2,845
Progressive$11,454$5,016$3,294$3,025
FarmersNA$6,163$3,996NA
USAA$3,568$2,576$1,831$1,727

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.

Below are some of the cheapest car insurance companies in Higgins 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 Higgins pay about $2,227 per year for it.

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

CompanyAverage 6 month premiumAverage annual premium
Nationwide$1,114$2,227
Auto Club Enterprises (AAA)$1,361$2,721
GEICO$2,319$4,637
Allstate$2,369$4,737
Progressive$2,894$5,788
State Farm$5,085$10,169
USAA$1,696$3,391

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

In Higgins, State Farm offers the cheapest car insurance for drivers with at-fault accident at $2,032 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 Higgins.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,016$2,032
GEICO$1,253$2,505
Auto Club Enterprises (AAA)$1,370$2,739
Nationwide$1,370$2,739
Allstate$2,332$4,663
Progressive$2,361$4,722
USAA$1,381$2,762

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,610 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 Higgins.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,305$2,610
GEICO$1,337$2,673
Auto Club Enterprises (AAA)$1,382$2,764
Nationwide$1,778$3,556
Progressive$1,825$3,650
Allstate$2,319$4,637
USAA$1,335$2,669

Cheapest for drivers with a speeding ticket: Nationwide

Nationwide offers the cheapest car insurance at $1,942 in Higgins 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$971$1,942
GEICO$1,243$2,485
Auto Club Enterprises (AAA)$1,255$2,509
Progressive$2,172$4,343
USAA$1,022$2,044

Car insurance discounts for Higgins drivers

The biggest car insurance discount available in Higgins is for the years insured category at 40.13%, offered by Auto Club Enterprises (AAA).

Car insurance is essential for drivers in Higgins, 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 Higgins drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$3,4840.92%$32
Air BagsAuto Club Enterprises (AAA)$2,1732.81%$61
Air BagsChubb Ltd$2,9741.21%$36
Air BagsGEICO$1,8731.76%$33
Air BagsGermania Insurance$2,1150.80%$17
Air BagsNationwide$1,7582.28%$40
Air BagsTX Farm Bureau$1,3550.15%$2
Anti-Theft DeviceAuto Club Enterprises (AAA)$2,1732.39%$52
Anti-Theft DeviceChubb Ltd$2,9741.65%$49
Anti-Theft DeviceGEICO$1,8731.82%$34
Anti-Theft DeviceState Farm$1,1742.73%$32
Daily CommuteChubb Ltd$2,9745.79%$172
Days Advanced PurchaseAllstate$3,4849.41%$328
Days Advanced PurchaseAuto Club Enterprises (AAA)$2,1735.02%$109
Days Advanced PurchaseGermania Insurance$2,1155.82%$123
Days Advanced PurchaseMercury Insurance$1,7325.72%$99
Days Advanced PurchaseNationwide$1,7583.58%$63
Days Advanced PurchaseProgressive$3,9236.35%$249
Days Per Week DrivenChubb Ltd$2,9748.68%$258
Days Per Week DrivenGermania Insurance$2,1159.36%$198
EducationProgressive$3,9235.56%$218
Electronic Funds TransferAllstate$3,4844.71%$164
Electronic Funds TransferMercury Insurance$1,7324.97%$86
Electronic SignatureMercury Insurance$1,7324.79%$83
Electronic SignatureProgressive$3,92312.03%$472
HomeownerAllstate$3,4845.88%$205
HomeownerMercury Insurance$1,7326.29%$109
HomeownerProgressive$3,9232.68%$105
Lower Annual MileageAllstate$3,4847.32%$255
Lower Annual MileageAuto Club Enterprises (AAA)$2,1737.99%$174
Lower Annual MileageGEICO$1,8733.46%$65
Loyalty - Years Renewal With CompanyAuto Club Enterprises (AAA)$2,1739.16%$199
Loyalty - Years Renewal With CompanyGermania Insurance$2,1157.22%$153
Loyalty - Years Renewal With CompanyState Farm$1,17421.00%$247
Loyalty - Years Renewal With CompanyTX Farm Bureau$1,3557.15%$97
Marital StatusAllstate$3,48415.61%$544
Marital StatusAuto Club Enterprises (AAA)$2,1733.45%$75
Marital StatusGermania Insurance$2,1155.11%$108
Marital StatusMercury Insurance$1,73213.74%$238
Marital StatusNationwide$1,7586.48%$114
Marital StatusProgressive$3,9236.07%$238
Marital StatusTX Farm Bureau$1,35518.60%$252
Multi PolicyAllstate$3,4846.97%$243
Multi PolicyAuto Club Enterprises (AAA)$2,17310.69%$232
Multi PolicyChubb Ltd$2,97414.26%$424
Multi PolicyGEICO$1,8734.84%$91
Multi PolicyGermania Insurance$2,1159.62%$204
Multi PolicyMercury Insurance$1,73210.76%$186
Multi PolicyNationwide$1,7585.95%$105
Multi PolicyProgressive$3,92311.37%$446
Multi PolicyState Farm$1,1749.29%$109
Multi PolicyTX Farm Bureau$1,3559.37%$127
Paperless/Electornic DocumentsMercury Insurance$1,7321.91%$33
Paperless/Electornic DocumentsNationwide$1,7583.58%$63
Paperless/Electornic DocumentsProgressive$3,9230.94%$37
Payment TypeAllstate$3,48410.19%$355
Payment TypeAuto Club Enterprises (AAA)$2,1735.02%$109
Payment TypeGermania Insurance$2,11512.29%$260
Payment TypeMercury Insurance$1,73212.59%$218
Primary UseAllstate$3,4842.76%$96
Primary UseAuto Club Enterprises (AAA)$2,1737.55%$164
Primary UseChubb Ltd$2,9748.68%$258
Primary UseGermania Insurance$2,11512.03%$255
Primary UseNationwide$1,7587.11%$125
Primary UseState Farm$1,17410.56%$124
ProfessionMercury Insurance$1,7325.42%$94
ProfessionProgressive$3,92313.59%$533
Safety DevicesAllstate$3,4845.91%$206
Safety DevicesChubb Ltd$2,9741.38%$41
Safety DevicesGEICO$1,8731.28%$24
Safety DevicesGermania Insurance$2,1155.01%$106
TelematicsNationwide$1,7585.86%$103
TelematicsProgressive$3,9239.99%$392
TelematicsState Farm$1,17413.88%$163
Vehicle OwnershipChubb Ltd$2,9744.74%$141
Years InsuredAllstate$5,01725.29%$1,269
Years InsuredAuto Club Enterprises (AAA)$3,55340.13%$1,426
Years InsuredGEICO$2,0038.13%$163
Years InsuredGermania Insurance$2,2012.00%$44
Years InsuredMercury Insurance$2,6756.95%$186
Years InsuredNationwide$2,46610.15%$250
Years InsuredProgressive$4,57912.19%$558
Years InsuredTX Farm Bureau$1,70220.39%$347
Years LicensedAllstate$5,4728.32%$455
Years LicensedAuto Club Enterprises (AAA)$4,61719.69%$909
Years LicensedGEICO$2,46015.69%$386
Years LicensedGermania Insurance$2,54011.94%$303
Years LicensedNationwide$2,95016.41%$484
Years LicensedProgressive$6,74832.14%$2,169
Years LicensedState Farm$1,44716.51%$239

How to get cheap car insurance in Higgins in 2025

Find affordable car insurance in Higgins 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 Higgins.

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.