Best Cheap Auto Insurance in Elgin, TX (2021)

The average Elgin, TX auto insurance rates are $320 per month. The minimum auto insurance in Elgin is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Elgin, 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

  • Average auto insurance rates in Elgin, TX for senior drivers are $2,320 per year
  • The minimum auto insurance required in Elgin, Texas is 30/60/25
  • The average commute length in Elgin is 28.2 minutes

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

Compare auto insurance in Elgin to other Texas cities, including Dallas auto insurance rates, Laredo auto insurance rates, and Fort Worth auto insurance rates to see how Elgin, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Elgin, Texas

Elgin, 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 Elgin, Texas.

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

Auto insurance rates in Elgin, 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 Elgin, 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 $3,378 $3,398 $3,333 $3,333 $9,120 $10,976 $4,174 $4,333
American Family $2,569 $2,870 $2,449 $2,812 $7,129 $9,343 $3,747 $4,284
GEICO $2,397 $2,598 $2,328 $2,654 $5,300 $5,516 $2,596 $2,588
Nationwide $2,543 $2,585 $2,246 $2,378 $7,260 $9,322 $2,993 $3,239
Progressive $2,245 $2,134 $2,006 $2,039 $9,537 $10,661 $2,665 $2,713
State Farm $2,194 $2,194 $1,959 $1,959 $5,384 $6,883 $2,394 $2,464
USAA $1,568 $1,571 $1,504 $1,485 $4,426 $4,798 $2,079 $2,212

Cheap Elgin, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Elgin, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,120 $10,976
American Family $7,129 $9,343
GEICO $5,300 $5,516
Nationwide $7,260 $9,322
Progressive $9,537 $10,661
State Farm $5,384 $6,883
USAA $4,426 $4,798

Cheap Elgin, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Elgin, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,333 $3,333
American Family $2,449 $2,812
GEICO $2,328 $2,654
Nationwide $2,246 $2,378
Progressive $2,006 $2,039
State Farm $1,959 $1,959
USAA $1,504 $1,485

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

Annual Elgin, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,039 $6,324 $6,620 $4,039
American Family $3,991 $5,135 $4,483 $3,991
GEICO $2,757 $3,658 $3,030 $3,543
Nationwide $3,529 $3,529 $5,237 $3,988
Progressive $3,707 $4,801 $4,324 $4,167
State Farm $2,811 $3,242 $3,852 $2,811
USAA $1,828 $2,707 $3,189 $2,098

Cheap Elgin, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Elgin, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,620
American Family $4,483
GEICO $3,030
Nationwide $5,237
Progressive $4,324
State Farm $3,852
USAA $3,189

Cheap Elgin, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Elgin, Texas

Insurance Company Poor Fair Good
Allstate $6,667 $4,900 $4,200
American Family $6,019 $3,833 $3,349
GEICO $5,011 $2,837 $1,893
Nationwide $4,887 $3,921 $3,404
Progressive $4,773 $4,138 $3,839
State Farm $4,502 $2,802 $2,233
USAA $3,594 $2,088 $1,684

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Cheap Elgin, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Elgin, Texas

ZIP Code Average Annual Rates
78621 $5,708

Cheap Elgin, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Elgin, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,127 $5,384
American Family $4,400 $4,400
GEICO $3,188 $3,306
Nationwide $4,071 $4,071
Progressive $4,250 $4,250
State Farm $3,179 $3,179
USAA $2,424 $2,486

Cheap Elgin, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Elgin, Texas

Insurance Company Low Medium High
Allstate $5,132 $5,209 $5,425
American Family $4,108 $4,241 $4,852
GEICO $3,070 $3,204 $3,468
Nationwide $4,396 $3,901 $3,916
Progressive $4,060 $4,232 $4,457
State Farm $3,008 $3,171 $3,358
USAA $2,364 $2,445 $2,557

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Best By Category: Cheapest Auto Insurance in Elgin, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Elgin, Texas

Insurance Company Average Annual Rates
Allstate $5,256
American Family $4,400
GEICO $3,247
Nationwide $4,071
Progressive $4,250
State Farm $3,179
USAA $2,455

What affects auto insurance rates in Elgin, Texas?

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

Elgin Auto Theft

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

Elgin Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Elgin, Texas commute length is 28.2 minutes according to City-Data.

Elgin Traffic

How does Elgin, Texas rank for traffic? According to Inrix Elgin, Texas is the 862nd most congested worldwide.

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Compare Elgin, Texas Auto Insurance Quotes

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