Best Cheap Auto Insurance in Electra, TX (2021)

The average Electra, TX auto insurance rates are $294 per month. The minimum auto insurance in Electra is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Electra, Texas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Electra, TX for senior drivers are $2,139 per year
  • The minimum auto insurance required in Electra, Texas is 30/60/25
  • The most expensive auto insurance company in Electra for teen drivers is Progressive

Electra, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Electra 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 Electra, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Electra to other Texas cities, including Austin auto insurance rates, El Paso auto insurance rates, and Plano auto insurance rates to see how Electra, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Electra, Texas

Electra, 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 Electra, Texas.

Minimum Required Auto Insurance Coverage in Electra, 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 Electra, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Electra, 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 Electra, 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 $3,339 $3,379 $3,299 $3,299 $8,831 $10,705 $4,156 $4,349
American Family $2,764 $3,031 $2,424 $2,740 $6,218 $8,188 $3,762 $4,265
GEICO $1,924 $2,052 $1,820 $2,026 $4,071 $4,244 $2,078 $2,093
Nationwide $2,382 $2,428 $2,101 $2,230 $6,721 $8,657 $2,794 $3,029
Progressive $2,425 $2,310 $2,156 $2,198 $10,007 $11,164 $2,872 $2,911
State Farm $1,739 $1,739 $1,546 $1,546 $4,123 $5,247 $1,888 $1,948
USAA $1,346 $1,364 $1,278 $1,282 $3,590 $3,942 $1,787 $1,939

Cheap Electra, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Electra, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,831 $10,705
American Family $6,218 $8,188
GEICO $4,071 $4,244
Nationwide $6,721 $8,657
Progressive $10,007 $11,164
State Farm $4,123 $5,247
USAA $3,590 $3,942

Cheap Electra, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Electra, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,299 $3,299
American Family $2,424 $2,740
GEICO $1,820 $2,026
Nationwide $2,101 $2,230
Progressive $2,156 $2,198
State Farm $1,546 $1,546
USAA $1,278 $1,282

Cheap Electra, 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 Electra, Texas compared to the annual auto insurance rates with a clean record in Electra, Texas.

Annual Electra, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,030 $6,177 $6,441 $4,030
American Family $3,829 $4,809 $4,228 $3,829
GEICO $2,162 $2,814 $2,400 $2,778
Nationwide $3,284 $3,284 $4,888 $3,715
Progressive $3,929 $5,073 $4,592 $4,427
State Farm $2,201 $2,519 $2,967 $2,201
USAA $1,555 $2,266 $2,659 $1,783

Cheap Electra, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Electra, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,441
American Family $4,228
GEICO $2,400
Nationwide $4,888
Progressive $4,592
State Farm $2,967
USAA $2,659

Cheap Electra, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Electra, Texas

Insurance Company Poor Fair Good
Allstate $6,577 $4,815 $4,117
American Family $5,879 $3,558 $3,085
GEICO $3,891 $2,224 $1,500
Nationwide $4,554 $3,650 $3,174
Progressive $5,082 $4,380 $4,055
State Farm $3,499 $2,180 $1,738
USAA $3,055 $1,744 $1,399

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Cheap Electra, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Electra, Texas

ZIP Code Average Annual Rates
76360 $5,237

Cheap Electra, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Electra, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,049 $5,290
American Family $4,174 $4,174
GEICO $2,490 $2,588
Nationwide $3,793 $3,793
Progressive $4,505 $4,505
State Farm $2,472 $2,472
USAA $2,039 $2,092

Cheap Electra, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Electra, Texas

Insurance Company Low Medium High
Allstate $5,076 $5,135 $5,298
American Family $3,970 $4,069 $4,482
GEICO $2,428 $2,515 $2,673
Nationwide $4,105 $3,629 $3,645
Progressive $4,267 $4,484 $4,765
State Farm $2,348 $2,465 $2,602
USAA $2,006 $2,060 $2,131

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Best By Category: Cheapest Auto Insurance in Electra, Texas

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

Best Annual Auto Insurance Rates by Company in Electra, 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 Electra, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Electra, Texas

Insurance Company Average Annual Rates
Allstate $5,170
American Family $4,174
GEICO $2,539
Nationwide $3,793
Progressive $4,505
State Farm $2,472
USAA $2,066

What affects auto insurance rates in Electra, Texas?

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

Electra Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Electra, Texas auto theft statistics, there have been 4 auto thefts in the city.

Electra Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Electra, Texas commute length is 20.3 minutes according to City-Data.

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Compare Electra, Texas Auto Insurance Quotes

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