Best Cheap Auto Insurance in Fred, TX (2021)

The average Fred, TX auto insurance rates are $342 per month. The minimum auto insurance in Fred is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Fred, 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: Jul 17, 2021

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Things to Remember

  • Average auto insurance rates in Fred, TX for senior drivers are $2,451 per year
  • The average commute length in Fred is 16.0 minutes
  • The minimum auto insurance required in Fred, Texas is 30/60/25

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

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

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

Minimum Auto Insurance in Fred, Texas

Fred, 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 Fred, Texas.

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

Auto insurance rates in Fred, 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 Fred, 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 $3,472 $3,498 $3,426 $3,426 $9,269 $11,174 $4,293 $4,465
American Family $2,875 $3,217 $2,727 $3,139 $7,976 $10,429 $4,200 $4,796
GEICO $2,329 $2,512 $2,245 $2,543 $5,081 $5,278 $2,519 $2,515
Nationwide $2,574 $2,616 $2,270 $2,404 $7,425 $9,534 $3,036 $3,286
Progressive $3,039 $2,858 $2,717 $2,765 $13,254 $14,743 $3,588 $3,593
State Farm $1,995 $1,995 $1,767 $1,767 $4,643 $5,893 $2,160 $2,230
USAA $1,639 $1,652 $1,563 $1,555 $4,581 $5,001 $2,188 $2,355

Cheap Fred, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fred, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,269 $11,174
American Family $7,976 $10,429
GEICO $5,081 $5,278
Nationwide $7,425 $9,534
Progressive $13,254 $14,743
State Farm $4,643 $5,893
USAA $4,581 $5,001

Cheap Fred, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fred, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,426 $3,426
American Family $2,727 $3,139
GEICO $2,245 $2,543
Nationwide $2,270 $2,404
Progressive $2,717 $2,765
State Farm $1,767 $1,767
USAA $1,563 $1,555

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

Annual Fred, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,155 $6,455 $6,746 $4,155
American Family $4,458 $5,749 $5,014 $4,458
GEICO $2,656 $3,505 $2,932 $3,419
Nationwide $3,590 $3,590 $5,334 $4,059
Progressive $5,059 $6,610 $5,911 $5,699
State Farm $2,508 $2,858 $3,351 $2,508
USAA $1,915 $2,823 $3,329 $2,199

Cheap Fred, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fred, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,746
American Family $5,014
GEICO $2,932
Nationwide $5,334
Progressive $5,911
State Farm $3,351
USAA $3,329

Cheap Fred, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Fred, Texas

Insurance Company Poor Fair Good
Allstate $6,829 $5,012 $4,293
American Family $6,717 $4,300 $3,743
GEICO $4,822 $2,734 $1,827
Nationwide $4,973 $3,992 $3,464
Progressive $6,524 $5,670 $5,265
State Farm $3,979 $2,472 $1,968
USAA $3,779 $2,174 $1,746

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Cheap Fred, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Fred, Texas

ZIP Code Average Annual Rates
77616 $6,287

Cheap Fred, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fred, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,248 $5,508
American Family $4,920 $4,920
GEICO $3,069 $3,186
Nationwide $4,143 $4,143
Progressive $5,819 $5,819
State Farm $2,806 $2,806
USAA $2,534 $2,599

Cheap Fred, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Fred, Texas

Insurance Company Low Medium High
Allstate $5,255 $5,332 $5,547
American Family $4,569 $4,720 $5,470
GEICO $2,963 $3,089 $3,332
Nationwide $4,461 $3,963 $4,006
Progressive $5,466 $5,787 $6,206
State Farm $2,668 $2,795 $2,956
USAA $2,483 $2,556 $2,660

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Best By Category: Cheapest Auto Insurance in Fred, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Fred, Texas

Insurance Company Average Annual Rates
Allstate $5,378
American Family $4,920
GEICO $3,128
Nationwide $4,143
Progressive $5,819
State Farm $2,806
USAA $2,567

What affects auto insurance rates in Fred, Texas?

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

Fred Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fred, Texas commute length is 16.0 minutes according to City-Data.

Fred Traffic

How does Fred, Texas rank for traffic? According to Inrix Fred, Texas is the 723rd most congested worldwide.

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Compare Fred, Texas Auto Insurance Quotes

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

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