Best Cheap Auto Insurance in Elkhart, TX (2021)

The average Elkhart, TX auto insurance rates are $310 per month. The minimum auto insurance in Elkhart is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Elkhart, 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 most expensive auto insurance company in Elkhart for teen drivers is Progressive
  • The average commute length in Elkhart is 24.3 minutes
  • The minimum auto insurance required in Elkhart, Texas is 30/60/25

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

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

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

Minimum Auto Insurance in Elkhart, Texas

Elkhart, 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 Elkhart, Texas.

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

Auto insurance rates in Elkhart, 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 Elkhart, 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 $3,284 $3,312 $3,244 $3,244 $8,642 $10,424 $4,054 $4,220
American Family $2,302 $2,546 $2,127 $2,419 $5,817 $7,639 $3,244 $3,695
GEICO $2,557 $2,755 $2,466 $2,771 $5,535 $5,830 $2,763 $2,781
Nationwide $2,221 $2,260 $1,965 $2,080 $6,237 $8,009 $2,603 $2,816
Progressive $2,625 $2,493 $2,334 $2,381 $11,096 $12,364 $3,116 $3,161
State Farm $2,074 $2,074 $1,839 $1,839 $4,871 $6,191 $2,248 $2,322
USAA $1,553 $1,565 $1,481 $1,473 $4,353 $4,751 $2,073 $2,230

Cheap Elkhart, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Elkhart, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,642 $10,424
American Family $5,817 $7,639
GEICO $5,535 $5,830
Nationwide $6,237 $8,009
Progressive $11,096 $12,364
State Farm $4,871 $6,191
USAA $4,353 $4,751

Cheap Elkhart, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Elkhart, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,244 $3,244
American Family $2,127 $2,419
GEICO $2,466 $2,771
Nationwide $1,965 $2,080
Progressive $2,334 $2,381
State Farm $1,839 $1,839
USAA $1,481 $1,473

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

Annual Elkhart, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,925 $6,054 $6,307 $3,925
American Family $3,406 $4,300 $3,782 $3,406
GEICO $2,914 $3,846 $3,218 $3,750
Nationwide $3,059 $3,059 $4,526 $3,453
Progressive $4,310 $5,582 $5,035 $4,858
State Farm $2,616 $2,987 $3,509 $2,616
USAA $1,817 $2,677 $3,159 $2,086

Cheap Elkhart, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Elkhart, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,307
American Family $3,782
GEICO $3,218
Nationwide $4,526
Progressive $5,035
State Farm $3,509
USAA $3,159

Cheap Elkhart, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Elkhart, Texas

Insurance Company Poor Fair Good
Allstate $6,432 $4,703 $4,024
American Family $5,159 $3,205 $2,807
GEICO $5,303 $2,998 $1,996
Nationwide $4,227 $3,394 $2,952
Progressive $5,564 $4,813 $4,462
State Farm $4,157 $2,583 $2,056
USAA $3,583 $2,063 $1,658

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Cheap Elkhart, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Elkhart, Texas

ZIP Code Average Annual Rates
75839 $5,531

Cheap Elkhart, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Elkhart, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,933 $5,173
American Family $3,724 $3,724
GEICO $3,368 $3,496
Nationwide $3,524 $3,524
Progressive $4,946 $4,946
State Farm $2,932 $2,932
USAA $2,404 $2,465

Cheap Elkhart, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Elkhart, Texas

Insurance Company Low Medium High
Allstate $4,923 $5,004 $5,232
American Family $3,485 $3,597 $4,090
GEICO $3,269 $3,390 $3,638
Nationwide $3,795 $3,373 $3,404
Progressive $4,723 $4,923 $5,192
State Farm $2,791 $2,923 $3,083
USAA $2,357 $2,425 $2,522

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Best By Category: Cheapest Auto Insurance in Elkhart, Texas

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

Best Annual Auto Insurance Rates by Company in Elkhart, Texas

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

The Cheapest Elkhart, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Elkhart, Texas

Insurance Company Average Annual Rates
Allstate $5,053
American Family $3,724
GEICO $3,432
Nationwide $3,524
Progressive $4,946
State Farm $2,932
USAA $2,435

What affects auto insurance rates in Elkhart, Texas?

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

Elkhart Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Elkhart, Texas commute length is 24.3 minutes according to City-Data.

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Compare Elkhart, Texas Auto Insurance Quotes

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