Best Kerens, TX Car Insurance in 2024
Car insurance in Kerens, TX averages $294 a month. Kerens, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Kerens car insurance rates, compare quotes from the top car insurance companies in Kerens, TX.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
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
- The cheapest car insurance company in Kerens is USAA
- Average car insurance rates in Kerens, TX after a DUI are $4,022/year
- The cheapest car insurance company in Kerens for teen drivers is USAA
If you need to buy Kerens, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Kerens, TX is right here.
You’ll find Kerens car insurance rates, the cheapest Kerens, TX car insurance companies, and information on Texas car insurance laws. You can also compare Kerens, Texas car insurance rates to Dallas car insurance rates, Austin car insurance rates, and Laredo car insurance rates.
Ready to find affordable Kerens, TX car insurance today? Enter your ZIP code for fast, free Kerens car insurance quotes.
Cheapest Kerens, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Kerens, TX car insurance rates? Every Kerens, 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 | $3,585 | $3,619 | $3,540 | $3,540 | $9,449 | $11,414 | $4,436 | $4,626 |
| American Family | $2,273 | $2,515 | $2,102 | $2,392 | $5,745 | $7,519 | $3,203 | $3,642 |
| Geico | $2,058 | $2,199 | $1,955 | $2,178 | $4,365 | $4,568 | $2,222 | $2,240 |
| Nationwide | $2,061 | $2,097 | $1,823 | $1,930 | $5,791 | $7,432 | $2,415 | $2,611 |
| Progressive | $2,422 | $2,299 | $2,164 | $2,200 | $10,357 | $11,566 | $2,875 | $2,919 |
| State Farm | $1,880 | $1,880 | $1,670 | $1,670 | $4,451 | $5,664 | $2,041 | $2,107 |
| USAA | $1,425 | $1,438 | $1,358 | $1,353 | $3,939 | $4,303 | $1,898 | $2,045 |
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Minimum Car Insurance in Kerens, TX
Every driver must carry the minimum car insurance in Kerens, 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 Kerens, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Kerens, TX. Compare credit history car insurance rates in Kerens from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,025 | $5,147 | $4,406 |
| American Family | $5,078 | $3,169 | $2,774 |
| Geico | $4,183 | $2,384 | $1,603 |
| Nationwide | $3,917 | $3,151 | $2,742 |
| Progressive | $5,164 | $4,479 | $4,157 |
| State Farm | $3,783 | $2,354 | $1,875 |
| USAA | $3,269 | $1,880 | $1,511 |
Cheapest Kerens, 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 Kerens, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,296 | $6,614 | $6,898 | $4,296 |
| American Family | $3,363 | $4,239 | $3,732 | $3,363 |
| Geico | $2,317 | $3,025 | $2,571 | $2,980 |
| Nationwide | $2,840 | $2,840 | $4,197 | $3,204 |
| Progressive | $4,009 | $5,202 | $4,679 | $4,511 |
| State Farm | $2,379 | $2,721 | $3,203 | $2,379 |
| USAA | $1,661 | $2,438 | $2,875 | $1,905 |
Cheapest Kerens, TX Car Insurance for Teen Drivers
Teen car insurance in Kerens, TX can be expensive. Take a look at rates from the top car insurance companies in Kerens for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,449 | $11,414 |
| American Family | $5,745 | $7,519 |
| Geico | $4,365 | $4,568 |
| Nationwide | $5,791 | $7,432 |
| Progressive | $10,357 | $11,566 |
| State Farm | $4,451 | $5,664 |
| USAA | $3,939 | $4,303 |
Cheapest Kerens, TX Car Insurance for Seniors
Take a look at Kerens, 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 | $3,540 | $3,540 |
| American Family | $2,102 | $2,392 |
| Geico | $1,955 | $2,178 |
| Nationwide | $1,823 | $1,930 |
| Progressive | $2,164 | $2,200 |
| State Farm | $1,670 | $1,670 |
| USAA | $1,358 | $1,353 |
Cheapest Kerens, TX Car Insurance Rates After a DUI
A DUI in Kerens, TX increases car insurance rates. Compare Kerens, Texas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,898 |
| American Family | $3,732 |
| Geico | $2,571 |
| Nationwide | $4,197 |
| Progressive | $4,679 |
| State Farm | $3,203 |
| USAA | $2,875 |
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Cheapest Kerens, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Kerens, 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 | $5,394 | $5,658 |
| American Family | $3,674 | $3,674 |
| Geico | $2,671 | $2,776 |
| Nationwide | $3,270 | $3,270 |
| Progressive | $4,600 | $4,600 |
| State Farm | $2,671 | $2,671 |
| USAA | $2,192 | $2,248 |
The Best Cheap Car Insurance Companies in Kerens, TX
Take a look at a side-by-side comparison of the top car insurance companies in Kerens, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,526 |
| American Family | $3,674 |
| Geico | $2,723 |
| Nationwide | $3,270 |
| Progressive | $4,600 |
| State Farm | $2,671 |
| USAA | $2,220 |
Category Winners: Cheapest Car Insurance in Kerens, Texas
Find the cheapest car insurance companies in Kerens, TX for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
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Cheapest Kerens, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Kerens car insurance rates. Find the cheapest Kerens, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,403 | $5,480 | $5,696 |
| American Family | $3,427 | $3,543 | $4,052 |
| Geico | $2,604 | $2,696 | $2,871 |
| Nationwide | $3,539 | $3,131 | $3,140 |
| Progressive | $4,383 | $4,580 | $4,837 |
| State Farm | $2,542 | $2,664 | $2,806 |
| USAA | $2,151 | $2,212 | $2,296 |
What affects car insurance rates in Kerens, Texas?
What factors can have an impact on Kerens, TX car insurance? There are several reasons why Kerens car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Kerens, Texas.
Commute Time in Kerens
The more time you spend in your car the higher the risk of an accident. The average commute length in Kerens, TX is 28.0 minutes according to City-Data.
Compare Car Insurance Quotes in Kerens, TX
Ready to find affordable Kerens, Texas car insurance today? Enter your ZIP code for fast, free Kerens, TX car insurance quotes.
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Frequently Asked Questions
What are the car insurance requirements in Kerens, TX?
The car insurance requirements in Kerens, TX are 30/60/25. This means you must have at least $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
How do age, gender, and marital status affect car insurance rates in Kerens, TX?
Car insurance rates in Kerens, TX can be affected by age, gender, and marital status. Each insurance company weighs these factors differently, so rates may vary. Generally, younger drivers, male drivers, and unmarried drivers may have higher insurance rates.
Does credit score affect car insurance rates in Kerens, TX?
Yes, your credit score can affect car insurance rates in Kerens, TX. Insurance companies often consider credit history when determining rates. Drivers with good credit may qualify for lower insurance rates compared to those with fair or poor credit.
How does driving record impact car insurance rates in Kerens, TX?
Your driving record has a significant impact on car insurance rates in Kerens, TX. Drivers with a clean record generally qualify for lower rates, while those with a history of accidents, traffic violations, or DUIs may face higher premiums.
Are there affordable car insurance options for teenagers in Kerens, TX?
Car insurance for teenagers in Kerens, TX can be expensive due to their lack of driving experience. However, by comparing quotes from multiple insurance companies, it’s possible to find more affordable options. Shopping around and considering discounts for good grades or driver training courses can help lower rates for teen drivers.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
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.