Best Cheap Auto Insurance in Elsa, TX (2021)

The average Elsa, TX auto insurance rates are $380 per month. The minimum auto insurance in Elsa is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Elsa, 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 cheapest auto insurance company in Elsa is State Farm
  • The minimum auto insurance required in Elsa, Texas is 30/60/25
  • The most expensive auto insurance company in Elsa for teen drivers is Progressive

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

Compare auto insurance in Elsa to other Texas cities, including Arlington auto insurance rates, Laredo auto insurance rates, and Dallas auto insurance rates to see how Elsa, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Elsa, Texas

Elsa, 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 Elsa, Texas.

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

Auto insurance rates in Elsa, 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 Elsa, 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 $4,124 $4,174 $4,073 $4,073 $10,686 $12,963 $5,118 $5,356
American Family $2,936 $3,267 $2,696 $3,090 $7,511 $9,775 $4,174 $4,734
GEICO $2,849 $3,117 $2,845 $3,332 $6,174 $6,243 $3,054 $2,933
Nationwide $3,468 $3,543 $3,050 $3,253 $9,499 $12,319 $4,041 $4,399
Progressive $2,940 $2,777 $2,592 $2,654 $11,709 $13,040 $3,444 $3,445
State Farm $2,186 $2,186 $1,937 $1,937 $5,117 $6,490 $2,368 $2,432
USAA $2,052 $2,085 $1,968 $1,984 $5,562 $6,095 $2,755 $2,987

Cheap Elsa, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Elsa, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,686 $12,963
American Family $7,511 $9,775
GEICO $6,174 $6,243
Nationwide $9,499 $12,319
Progressive $11,709 $13,040
State Farm $5,117 $6,490
USAA $5,562 $6,095

Cheap Elsa, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Elsa, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,073 $4,073
American Family $2,696 $3,090
GEICO $2,845 $3,332
Nationwide $3,050 $3,253
Progressive $2,592 $2,654
State Farm $1,937 $1,937
USAA $1,968 $1,984

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

Annual Elsa, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,949 $7,555 $7,831 $4,949
American Family $4,373 $5,498 $4,847 $4,373
GEICO $3,234 $4,280 $3,556 $4,203
Nationwide $4,700 $4,700 $7,052 $5,335
Progressive $4,637 $5,986 $5,445 $5,231
State Farm $2,747 $3,138 $3,694 $2,747
USAA $2,379 $3,515 $4,114 $2,735

Cheap Elsa, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Elsa, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,831
American Family $4,847
GEICO $3,556
Nationwide $7,052
Progressive $5,445
State Farm $3,694
USAA $4,114

Cheap Elsa, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Elsa, Texas

Insurance Company Poor Fair Good
Allstate $8,058 $5,879 $5,025
American Family $6,551 $4,149 $3,619
GEICO $5,913 $3,332 $2,210
Nationwide $6,591 $5,219 $4,530
Progressive $6,050 $5,164 $4,760
State Farm $4,369 $2,715 $2,160
USAA $4,666 $2,708 $2,184

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Cheap Elsa, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Elsa, Texas

ZIP Code Average Annual Rates
78543 $6,696

Cheap Elsa, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Elsa, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,166 $6,475
American Family $4,773 $4,773
GEICO $3,739 $3,897
Nationwide $5,447 $5,447
Progressive $5,325 $5,325
State Farm $3,081 $3,081
USAA $3,144 $3,228

Cheap Elsa, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Elsa, Texas

Insurance Company Low Medium High
Allstate $6,197 $6,274 $6,491
American Family $4,381 $4,562 $5,376
GEICO $3,476 $3,712 $4,266
Nationwide $5,796 $5,197 $5,346
Progressive $4,914 $5,287 $5,773
State Farm $2,885 $3,058 $3,301
USAA $3,048 $3,166 $3,344

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Best By Category: Cheapest Auto Insurance in Elsa, Texas

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

Best Annual Auto Insurance Rates by Company in Elsa, Texas

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

The Cheapest Elsa, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Elsa, Texas

Insurance Company Average Annual Rates
Allstate $6,321
American Family $4,773
GEICO $3,818
Nationwide $5,447
Progressive $5,325
State Farm $3,081
USAA $3,186

What affects auto insurance rates in Elsa, Texas?

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

Elsa Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Elsa, Texas commute length is 25.6 minutes according to City-Data.

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Compare Elsa, Texas Auto Insurance Quotes

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