Best Pampa, TX Car Insurance in 2024
Car insurance in Pampa, TX averages $316 a month. Pampa, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Pampa car insurance rates, compare quotes from the top car insurance companies in Pampa, TX.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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 Pampa, TX are $3,793/year
- The cheapest car insurance company in Pampa is USAA
- Average car insurance rates in Pampa, TX after a DUI are $4,309/year
If you need to buy Pampa, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Pampa, TX is right here.
You’ll find Pampa car insurance rates, the cheapest Pampa, TX car insurance companies, and information on Texas car insurance laws. You can also compare Pampa, Texas car insurance rates to San Antonio car insurance rates, Arlington car insurance rates, and Austin car insurance rates.
Ready to find affordable Pampa, TX car insurance today? Enter your ZIP code for fast, free Pampa car insurance quotes.
Cheapest Pampa, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Pampa, TX car insurance rates? Every Pampa, 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 | $3,611 | $3,669 | $3,570 | $3,570 | $9,262 | $11,278 | $4,500 | $4,732 |
| American Family | $2,961 | $3,248 | $2,597 | $2,935 | $6,725 | $8,907 | $4,044 | $4,600 |
| Geico | $2,406 | $2,529 | $2,193 | $2,379 | $4,937 | $5,209 | $2,605 | $2,669 |
| Nationwide | $2,471 | $2,522 | $2,179 | $2,317 | $6,871 | $8,867 | $2,888 | $3,134 |
| Progressive | $2,450 | $2,352 | $2,161 | $2,216 | $9,794 | $10,896 | $2,912 | $2,970 |
| State Farm | $1,871 | $1,871 | $1,654 | $1,654 | $4,306 | $5,460 | $2,022 | $2,092 |
| USAA | $1,594 | $1,639 | $1,497 | $1,531 | $4,047 | $4,518 | $2,138 | $2,373 |
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Minimum Car Insurance in Pampa, TX
Every driver must carry the minimum car insurance in Pampa, 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 Pampa, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Pampa, TX. Compare credit history car insurance rates in Pampa from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,047 | $5,140 | $4,386 |
| American Family | $6,352 | $3,824 | $3,331 |
| Geico | $4,803 | $2,724 | $1,820 |
| Nationwide | $4,700 | $3,754 | $3,264 |
| Progressive | $5,061 | $4,338 | $4,008 |
| State Farm | $3,709 | $2,305 | $1,835 |
| USAA | $3,624 | $2,022 | $1,606 |
Cheapest Pampa, 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 Pampa, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,367 | $6,556 | $6,805 | $4,367 |
| American Family | $4,135 | $5,181 | $4,559 | $4,135 |
| Geico | $2,646 | $3,395 | $2,988 | $3,435 |
| Nationwide | $3,381 | $3,381 | $5,037 | $3,826 |
| Progressive | $3,903 | $4,999 | $4,563 | $4,410 |
| State Farm | $2,344 | $2,663 | $3,113 | $2,344 |
| USAA | $1,833 | $2,638 | $3,094 | $2,103 |
Cheapest Pampa, TX Car Insurance for Teen Drivers
Teen car insurance in Pampa, TX can be expensive. Take a look at rates from the top car insurance companies in Pampa for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,262 | $11,278 |
| American Family | $6,725 | $8,907 |
| Geico | $4,937 | $5,209 |
| Nationwide | $6,871 | $8,867 |
| Progressive | $9,794 | $10,896 |
| State Farm | $4,306 | $5,460 |
| USAA | $4,047 | $4,518 |
Cheapest Pampa, TX Car Insurance for Seniors
Take a look at Pampa, 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 | $3,570 | $3,570 |
| American Family | $2,597 | $2,935 |
| Geico | $2,193 | $2,379 |
| Nationwide | $2,179 | $2,317 |
| Progressive | $2,161 | $2,216 |
| State Farm | $1,654 | $1,654 |
| USAA | $1,497 | $1,531 |
Cheapest Pampa, TX Car Insurance Rates After a DUI
A DUI in Pampa, TX increases car insurance rates. Compare Pampa, Texas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,805 |
| American Family | $4,559 |
| Geico | $2,988 |
| Nationwide | $5,037 |
| Progressive | $4,563 |
| State Farm | $3,113 |
| USAA | $3,094 |
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Cheapest Pampa, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Pampa, 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 | $5,399 | $5,649 |
| American Family | $4,502 | $4,502 |
| Geico | $3,047 | $3,185 |
| Nationwide | $3,906 | $3,906 |
| Progressive | $4,469 | $4,469 |
| State Farm | $2,616 | $2,616 |
| USAA | $2,385 | $2,449 |
The Best Cheap Car Insurance Companies in Pampa, TX
Take a look at a side-by-side comparison of the top car insurance companies in Pampa, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,524 |
| American Family | $4,502 |
| Geico | $3,116 |
| Nationwide | $3,906 |
| Progressive | $4,469 |
| State Farm | $2,616 |
| USAA | $2,417 |
Category Winners: Cheapest Car Insurance in Pampa, Texas
Find the cheapest car insurance companies in Pampa, 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 Pampa, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Pampa car insurance rates. Find the cheapest Pampa, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,431 | $5,489 | $5,652 |
| American Family | $4,275 | $4,387 | $4,844 |
| Geico | $3,022 | $3,096 | $3,230 |
| Nationwide | $4,229 | $3,737 | $3,753 |
| Progressive | $4,293 | $4,449 | $4,665 |
| State Farm | $2,504 | $2,612 | $2,733 |
| USAA | $2,364 | $2,412 | $2,475 |
What affects car insurance rates in Pampa, Texas?
What factors can have an impact on Pampa, TX car insurance? There are several reasons why Pampa car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Pampa, Texas.
Car Theft in Pampa
High levels of vehicle theft can make car insurance more expensive. Pampa, TX car theft statistics from the FBI indicate 43 vehicle thefts a year.
Commute Time in Pampa
The more time you spend in your car the higher the risk of an accident. The average commute length in Pampa, TX is 17.8 minutes according to City-Data.
Compare Car Insurance Quotes in Pampa, TX
Ready to find affordable Pampa, Texas car insurance today? Enter your ZIP code for fast, free Pampa, TX car insurance quotes.
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Frequently Asked Questions
How can I compare car insurance rates in Pampa, TX?
To compare car insurance rates in Pampa, TX, you can follow these steps:
- Gather necessary information: Collect details about your vehicle, including the make, model, year, and any safety features it may have.
- Research insurance providers: Look for reputable insurance companies that offer coverage in Pampa, TX.
- Obtain quotes: Contact insurance providers directly or use online insurance comparison websites to request quotes for your specific vehicle and coverage needs.
- Compare coverage options: Review the coverage limits, deductibles, and any additional features or benefits offered by each insurance company.
- Consider your needs and budget: Determine which insurance policy offers the best coverage and fits within your budget.
- Purchase your chosen policy: Once you have made a decision, contact the insurance company to purchase the policy.
What factors affect car insurance rates in Pampa, TX?
Several factors can influence car insurance rates in Pampa, TX, including:
- Age and driving experience of the primary driver
- Location where the vehicle will be primarily driven and parked in Pampa, TX
- The make, model, and year of the vehicle
- Safety features and anti-theft devices installed in the car
- Annual mileage and usage of the vehicle
- Driving record and claims history of the primary driver
- Credit history (in some cases)
- Coverage options and deductibles selected
Are car insurance rates higher in Pampa, TX compared to other areas?
Car insurance rates can vary based on location, and rates in Pampa, TX may be influenced by factors specific to the area. Factors such as population density, traffic patterns, local crime rates, and the frequency of accidents in Pampa, TX can impact insurance rates. It’s recommended to obtain quotes from insurance providers to get an accurate idea of car insurance rates in the area.
Can I get discounts on car insurance in Pampa, TX?
Yes, it is possible to obtain discounts on car insurance in Pampa, TX. Insurance companies often offer various discounts to policyholders. Some common discounts that might be available include:
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and home insurance.
- Safe driver discount: If you have a clean driving record without any accidents or violations.
- Anti-theft device discount: If your vehicle is equipped with anti-theft devices or features.
- Safety feature discount: If your car has safety features like airbags, anti-lock brakes, or electronic stability control.
- Good student discount: If you or a household member who drives the car is a full-time student with good grades. It’s recommended to inquire about available discounts when obtaining insurance quotes in Pampa, TX.
Are there any specific insurance considerations for Pampa, TX residents?
While insurance considerations can vary based on individual circumstances, there are a few points to keep in mind for Pampa, TX residents when it comes to car insurance:
- Texas minimum coverage requirements: Make sure you meet the minimum liability coverage requirements set by the state of Texas.
- Additional coverage options: Consider additional coverage options such as comprehensive, collision, and uninsured/underinsured motorist coverage to provide extra protection.
- Weather-related risks: Pampa, TX experiences severe weather conditions such as thunderstorms and hail. Ensure your policy covers damage caused by these events. Consult with insurance providers to understand the specific coverage requirements and options available to Pampa, TX residents.
How do car insurance rates in Pampa, TX compare to the national average?
Car insurance rates in Pampa, TX can vary from the national average. Factors such as local demographics, traffic patterns, and the frequency of accidents in the area can influence insurance rates. It’s recommended to obtain quotes from insurance providers to compare the rates specific to Pampa, TX and determine how they compare to the national average.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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.