Best Brazoria, TX Car Insurance in 2024
Car insurance in Brazoria, TX averages $338 a month. Brazoria, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Brazoria car insurance rates, compare quotes from the top car insurance companies in Brazoria, TX.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Brazoria, TX are $4,061/year
- The cheapest car insurance company in Brazoria for teen drivers is USAA
- The cheapest car insurance company in Brazoria is USAA
If you need to buy Brazoria, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Brazoria, TX is right here.
You’ll find Brazoria car insurance rates, the cheapest Brazoria, TX car insurance companies, and information on Texas car insurance laws. You can also compare Brazoria, Texas car insurance rates to Austin car insurance rates, Fort Worth car insurance rates, and Laredo car insurance rates.
Ready to find affordable Brazoria, TX car insurance today? Enter your ZIP code for fast, free Brazoria car insurance quotes.
Cheapest Brazoria, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Brazoria, TX car insurance rates? Every Brazoria, Texas car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,624 | $3,652 | $3,576 | $3,576 | $9,609 | $11,592 | $4,479 | $4,661 |
| American Family | $3,226 | $3,630 | $3,086 | $3,574 | $9,234 | $12,021 | $4,776 | $5,449 |
| Geico | $2,565 | $2,771 | $2,469 | $2,807 | $5,658 | $5,875 | $2,781 | $2,776 |
| Nationwide | $2,324 | $2,361 | $2,055 | $2,173 | $6,629 | $8,499 | $2,735 | $2,956 |
| Progressive | $2,533 | $2,397 | $2,258 | $2,298 | $10,760 | $12,016 | $2,998 | $3,036 |
| State Farm | $1,836 | $1,836 | $1,634 | $1,634 | $4,389 | $5,591 | $1,996 | $2,056 |
| USAA | $1,649 | $1,649 | $1,584 | $1,559 | $4,780 | $5,173 | $2,198 | $2,334 |
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Minimum Car Insurance in Brazoria, TX
Every driver must carry the minimum car insurance in Brazoria, TX. Take a look at the Texas car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Brazoria, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Brazoria, TX. Compare credit history car insurance rates in Brazoria from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,111 | $5,213 | $4,465 |
| American Family | $7,617 | $4,948 | $4,310 |
| Geico | $5,352 | $3,024 | $2,013 |
| Nationwide | $4,455 | $3,582 | $3,112 |
| Progressive | $5,383 | $4,659 | $4,319 |
| State Farm | $3,711 | $2,311 | $1,843 |
| USAA | $3,821 | $2,228 | $1,798 |
Cheapest Brazoria, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Brazoria, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,330 | $6,720 | $7,005 | $4,330 |
| American Family | $5,100 | $6,564 | $5,734 | $5,100 |
| Geico | $2,937 | $3,887 | $3,242 | $3,786 |
| Nationwide | $3,226 | $3,226 | $4,772 | $3,641 |
| Progressive | $4,170 | $5,412 | $4,873 | $4,692 |
| State Farm | $2,330 | $2,672 | $3,155 | $2,330 |
| USAA | $1,939 | $2,885 | $3,413 | $2,226 |
Cheapest Brazoria, TX Car Insurance for Teen Drivers
Teen car insurance in Brazoria, TX can be expensive. Take a look at rates from the top car insurance companies in Brazoria for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,609 | $11,592 |
| American Family | $9,234 | $12,021 |
| Geico | $5,658 | $5,875 |
| Nationwide | $6,629 | $8,499 |
| Progressive | $10,760 | $12,016 |
| State Farm | $4,389 | $5,591 |
| USAA | $4,780 | $5,173 |
Cheapest Brazoria, TX Car Insurance for Seniors
Take a look at Brazoria, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,576 | $3,576 |
| American Family | $3,086 | $3,574 |
| Geico | $2,469 | $2,807 |
| Nationwide | $2,055 | $2,173 |
| Progressive | $2,258 | $2,298 |
| State Farm | $1,634 | $1,634 |
| USAA | $1,584 | $1,559 |
Cheapest Brazoria, TX Car Insurance Rates After a DUI
A DUI in Brazoria, TX increases car insurance rates. Compare Brazoria, Texas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,005 |
| American Family | $5,734 |
| Geico | $3,242 |
| Nationwide | $4,772 |
| Progressive | $4,873 |
| State Farm | $3,155 |
| USAA | $3,413 |
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Cheapest Brazoria, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Brazoria, TX by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,457 | $5,735 |
| American Family | $5,625 | $5,625 |
| Geico | $3,398 | $3,528 |
| Nationwide | $3,716 | $3,716 |
| Progressive | $4,787 | $4,787 |
| State Farm | $2,622 | $2,622 |
| USAA | $2,583 | $2,649 |
The Best Cheap Car Insurance Companies in Brazoria, TX
Take a look at a side-by-side comparison of the top car insurance companies in Brazoria, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,596 |
| American Family | $5,625 |
| Geico | $3,463 |
| Nationwide | $3,716 |
| Progressive | $4,787 |
| State Farm | $2,622 |
| USAA | $2,616 |
Category Winners: Cheapest Car Insurance in Brazoria, Texas
Find the cheapest car insurance companies in Brazoria, TX for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Cheapest Brazoria, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Brazoria car insurance rates. Find the cheapest Brazoria, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,469 | $5,549 | $5,771 |
| American Family | $5,171 | $5,375 | $6,328 |
| Geico | $3,279 | $3,420 | $3,690 |
| Nationwide | $3,996 | $3,558 | $3,595 |
| Progressive | $4,538 | $4,763 | $5,060 |
| State Farm | $2,484 | $2,614 | $2,767 |
| USAA | $2,518 | $2,604 | $2,726 |
What affects car insurance rates in Brazoria, Texas?
What factors can have an impact on Brazoria, TX car insurance? There are several reasons why Brazoria car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Brazoria, Texas.
Car Theft in Brazoria
High levels of vehicle theft can make car insurance more expensive. Brazoria, TX car theft statistics from the FBI indicate 6 vehicle thefts a year.
Commute Time in Brazoria
The more time you spend in your car the higher the risk of an accident. The average commute length in Brazoria, TX is 23.0 minutes according to City-Data.
Compare Car Insurance Quotes in Brazoria, TX
Ready to find affordable Brazoria, Texas car insurance today? Enter your ZIP code for fast, free Brazoria, TX car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance rates in Brazoria, TX?
To compare car insurance rates in Brazoria, TX, you can follow these steps:
- Gather information: Collect details about your vehicle, including the make, model, and year, as well as your driving history.
- Research insurance companies: Look for reputable insurance companies that offer coverage in Brazoria, TX. Consider factors such as their financial stability, customer service, and coverage options.
- Obtain quotes: Contact various insurance providers and request quotes based on your specific needs. You can also use online comparison tools to get multiple quotes at once.
- Compare coverage options: Evaluate the coverage levels and types offered by different insurers. Consider factors such as liability limits, deductibles, and optional coverage options.
- Review the policy details: Carefully read through the policy documents for each quote you receive. Pay attention to coverage terms, exclusions, and any additional fees or discounts.
- Assess customer reviews: Read reviews and feedback from current and past customers of the insurance companies you are considering. This can give you insights into their overall satisfaction and claims handling process.
- Consider the price and value: While it’s important to find affordable rates, also consider the value you’re getting for the price. Look for a balance between cost and the coverage provided.
- Make an informed decision: Once you have compared rates, coverage options, and customer reviews, you can make an informed decision about which car insurance policy best suits your needs in Brazoria, TX.
What factors can affect car insurance rates in Brazoria, TX?
Several factors can impact car insurance rates in Brazoria, TX. Some of the common factors include:
- Driving record: Your driving history, including any accidents, violations, or claims, can significantly influence your insurance rates.
- Vehicle make and model: The type of vehicle you drive, its age, and its safety features can affect your insurance premiums. Expensive or high-performance cars generally have higher insurance costs.
- Coverage and deductible levels: The coverage limits you choose and the deductible amount you are willing to pay out of pocket can impact your insurance rates. Higher coverage limits and lower deductibles usually result in higher premiums.
- Age and gender: Younger drivers, especially teenagers, generally face higher insurance rates due to their lack of driving experience. Additionally, statistics show that male drivers, on average, have higher accident rates, which can affect rates.
- Credit history: In some states, including Texas, insurers may consider your credit history when determining your insurance rates. Better credit scores can result in lower premiums.
- Location: The area where you live and park your car can affect rates. Factors like crime rates, traffic congestion, and the likelihood of accidents in your area can influence your premiums.
- Annual mileage: The number of miles you drive annually can impact your rates. Higher mileage generally increases the risk of accidents and may result in higher premiums.
- Insurance history: Your previous insurance coverage and claims history can be taken into account when determining your rates. A history of claims or lapses in coverage may lead to higher premiums.
Can I get car insurance quotes online for Brazoria, TX?
Yes, you can get car insurance quotes online for Brazoria, TX. Many insurance companies have online platforms or websites where you can request quotes by providing some basic information about yourself and your vehicle. Additionally, there are third-party websites that allow you to compare multiple insurance quotes from different companies at once, making it convenient to compare rates and coverage options. However, keep in mind that the accuracy of the quotes may depend on the information you provide, so it’s important to enter the details correctly for accurate estimates.
Are there any specific car insurance requirements in Brazoria, TX?
Yes, Brazoria, TX, like other places in Texas, has specific car insurance requirements. Drivers in Texas must carry at least the following minimum coverage:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
These are the minimum required coverages, but it’s often recommended to consider higher coverage limits and additional types of coverage to better protect yourself financially in case of an accident.
How often should I review my car insurance policy in Brazoria, TX?
It’s a good practice to review your car insurance policy annually or whenever there are significant changes in your circumstances. This could include changes in your driving habits, vehicle ownership, or even changes in your credit score. Additionally, it’s important to review your policy when it’s up for renewal to ensure it still meets your needs and to compare rates from different insurers to make sure you’re getting the best possible coverage at a competitive price.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.