Best Cheap Auto Insurance in Desoto, TX (2021)

The average Desoto, TX auto insurance rates are $364 per month. The minimum auto insurance in Desoto is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Desoto, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in DeSoto is 31.7 minutes
  • The most expensive auto insurance company in DeSoto for teen drivers is Allstate
  • Average auto insurance rates in DeSoto, TX for senior drivers are $2,651 per year

DeSoto, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in DeSoto can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in DeSoto, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in DeSoto to other Texas cities, including Laredo auto insurance rates, Corpus Christi auto insurance rates, and San Antonio auto insurance rates to see how DeSoto, Texas auto insurance rates stack up.

Before you buy DeSoto, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free DeSoto, Texas auto insurance quotes.

Minimum Auto Insurance in DeSoto, Texas

DeSoto, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in DeSoto, Texas.

Minimum Required Auto Insurance Coverage in DeSoto, Texas

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

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Cheap DeSoto, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in DeSoto, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in DeSoto, Texas

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 $4,094 $4,123 $4,039 $4,039 $10,830 $13,051 $5,050 $5,249
American Family $3,506 $3,938 $3,329 $3,850 $9,941 $13,004 $5,174 $5,917
GEICO $2,587 $2,796 $2,506 $2,853 $5,696 $5,879 $2,796 $2,775
Nationwide $2,505 $2,548 $2,209 $2,342 $7,142 $9,189 $2,947 $3,194
Progressive $2,408 $2,299 $2,138 $2,180 $9,929 $11,099 $2,861 $2,916
State Farm $2,342 $2,342 $2,092 $2,092 $5,679 $7,245 $2,551 $2,623
USAA $1,805 $1,806 $1,735 $1,711 $5,136 $5,558 $2,394 $2,542

Cheap DeSoto, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in DeSoto, Texas is a challenge. Take a look at the annual teen auto insurance rates in DeSoto, Texas.

Annual Auto Insurance Rates for Teen Drivers in DeSoto, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,830 $13,051
American Family $9,941 $13,004
GEICO $5,696 $5,879
Nationwide $7,142 $9,189
Progressive $9,929 $11,099
State Farm $5,679 $7,245
USAA $5,136 $5,558

Cheap DeSoto, Texas Auto Insurance for Seniors

What are senior auto insurance rates in DeSoto, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in DeSoto, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,039 $4,039
American Family $3,329 $3,850
GEICO $2,506 $2,853
Nationwide $2,209 $2,342
Progressive $2,138 $2,180
State Farm $2,092 $2,092
USAA $1,735 $1,711

Cheap DeSoto, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in DeSoto, Texas compared to the annual auto insurance rates with a clean record in DeSoto, Texas.

Annual DeSoto, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,878 $7,582 $7,899 $4,878
American Family $5,530 $7,075 $6,194 $5,530
GEICO $2,955 $3,916 $3,262 $3,811
Nationwide $3,471 $3,471 $5,169 $3,927
Progressive $3,907 $5,038 $4,568 $4,402
State Farm $2,986 $3,436 $4,074 $2,986
USAA $2,105 $3,133 $3,687 $2,418

Cheap DeSoto, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in DeSoto, Texas is not easy. Compare the annual rates for DUI auto insurance in DeSoto, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in DeSoto, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,899
American Family $6,194
GEICO $3,262
Nationwide $5,169
Progressive $4,568
State Farm $4,074
USAA $3,687

Cheap DeSoto, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how DeSoto, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in DeSoto, Texas

Insurance Company Poor Fair Good
Allstate $8,018 $5,876 $5,035
American Family $8,267 $5,323 $4,656
GEICO $5,388 $3,044 $2,026
Nationwide $4,811 $3,861 $3,357
Progressive $5,055 $4,353 $4,028
State Farm $4,765 $2,973 $2,373
USAA $4,145 $2,415 $1,948

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Cheap DeSoto, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in DeSoto, Texas can vary. Compare the annual cost of auto insurance by ZIP code in DeSoto, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in DeSoto, Texas

ZIP Code Average Annual Rates
75115 $6,389

Cheap DeSoto, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect DeSoto, Texas auto insurance. Find the cheapest annual DeSoto, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in DeSoto, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,151 $6,468
American Family $6,082 $6,082
GEICO $3,422 $3,550
Nationwide $4,010 $4,010
Progressive $4,479 $4,479
State Farm $3,371 $3,371
USAA $2,800 $2,872

Cheap DeSoto, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in DeSoto, Texas? Check out the comparison of annual DeSoto, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in DeSoto, Texas

Insurance Company Low Medium High
Allstate $6,157 $6,252 $6,519
American Family $5,584 $5,814 $6,849
GEICO $3,290 $3,441 $3,727
Nationwide $4,314 $3,838 $3,876
Progressive $4,270 $4,459 $4,707
State Farm $3,171 $3,354 $3,587
USAA $2,722 $2,823 $2,963

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Best By Category: Cheapest Auto Insurance in DeSoto, Texas

Compare the cheapest auto insurance companies in DeSoto, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in DeSoto, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest DeSoto, Texas Auto Insurance Companies

What auto insurance companies in DeSoto, Texas are the cheapest? Compare the top DeSoto, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in DeSoto, Texas

Insurance Company Average Annual Rates
Allstate $6,309
American Family $6,082
GEICO $3,486
Nationwide $4,010
Progressive $4,479
State Farm $3,371
USAA $2,836

What affects auto insurance rates in DeSoto, Texas?

There are a lot of reasons why auto insurance rates in DeSoto, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in DeSoto, Texas. Many local factors may affect your DeSoto auto insurance rates.

DeSoto Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual DeSoto, Texas auto theft statistics, there have been 185 auto thefts in the city.

DeSoto Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average DeSoto, Texas commute length is 31.7 minutes according to City-Data.

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Compare DeSoto, Texas Auto Insurance Quotes

Before you buy DeSoto, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free DeSoto, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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