Best Cheap Auto Insurance in Fredericksburg, TX (2021)

The average Fredericksburg, TX auto insurance rates are $308 per month. The minimum auto insurance in Fredericksburg is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Fredericksburg, 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 Fredericksburg is USAA
  • The minimum auto insurance required in Fredericksburg, Texas is 30/60/25
  • The most expensive auto insurance company in Fredericksburg for teen drivers is Progressive

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

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

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

Minimum Auto Insurance in Fredericksburg, Texas

Fredericksburg, 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 Fredericksburg, Texas.

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

Auto insurance rates in Fredericksburg, 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 Fredericksburg, 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 $3,257 $3,290 $3,216 $3,216 $8,522 $10,293 $4,026 $4,202
American Family $2,755 $3,054 $2,522 $2,879 $6,956 $9,118 $3,893 $4,430
GEICO $2,298 $2,470 $2,206 $2,485 $4,933 $5,141 $2,481 $2,482
Nationwide $2,213 $2,253 $1,957 $2,074 $6,162 $7,918 $2,588 $2,801
Progressive $2,644 $2,527 $2,352 $2,397 $11,176 $12,482 $3,156 $3,219
State Farm $1,878 $1,878 $1,662 $1,662 $4,339 $5,500 $2,031 $2,095
USAA $1,418 $1,436 $1,348 $1,350 $3,848 $4,219 $1,889 $2,045

Cheap Fredericksburg, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fredericksburg, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,522 $10,293
American Family $6,956 $9,118
GEICO $4,933 $5,141
Nationwide $6,162 $7,918
Progressive $11,176 $12,482
State Farm $4,339 $5,500
USAA $3,848 $4,219

Cheap Fredericksburg, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fredericksburg, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,216 $3,216
American Family $2,522 $2,879
GEICO $2,206 $2,485
Nationwide $1,957 $2,074
Progressive $2,352 $2,397
State Farm $1,662 $1,662
USAA $1,348 $1,350

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

Annual Fredericksburg, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,907 $5,965 $6,233 $3,907
American Family $4,061 $5,159 $4,523 $4,061
GEICO $2,601 $3,415 $2,879 $3,352
Nationwide $3,034 $3,034 $4,489 $3,426
Progressive $4,351 $5,632 $5,085 $4,909
State Farm $2,353 $2,678 $3,137 $2,353
USAA $1,647 $2,408 $2,833 $1,889

Cheap Fredericksburg, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fredericksburg, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,233
American Family $4,523
GEICO $2,879
Nationwide $4,489
Progressive $5,085
State Farm $3,137
USAA $2,833

Cheap Fredericksburg, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Fredericksburg, Texas

Insurance Company Poor Fair Good
Allstate $6,355 $4,663 $3,990
American Family $6,159 $3,846 $3,348
GEICO $4,718 $2,677 $1,790
Nationwide $4,195 $3,365 $2,927
Progressive $5,619 $4,859 $4,504
State Farm $3,728 $2,318 $1,845
USAA $3,239 $1,855 $1,488

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Cheap Fredericksburg, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Fredericksburg, Texas

ZIP Code Average Annual Rates
78624 $5,503

Cheap Fredericksburg, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fredericksburg, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,887 $5,118
American Family $4,451 $4,451
GEICO $3,003 $3,121
Nationwide $3,496 $3,496
Progressive $4,994 $4,994
State Farm $2,630 $2,630
USAA $2,166 $2,222

Cheap Fredericksburg, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Fredericksburg, Texas

Insurance Company Low Medium High
Allstate $4,888 $4,960 $5,161
American Family $4,179 $4,307 $4,866
GEICO $2,904 $3,022 $3,260
Nationwide $3,769 $3,346 $3,372
Progressive $4,783 $4,976 $5,224
State Farm $2,499 $2,623 $2,769
USAA $2,129 $2,187 $2,267

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Best By Category: Cheapest Auto Insurance in Fredericksburg, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Fredericksburg, Texas

Insurance Company Average Annual Rates
Allstate $5,003
American Family $4,451
GEICO $3,062
Nationwide $3,496
Progressive $4,994
State Farm $2,630
USAA $2,194

What affects auto insurance rates in Fredericksburg, Texas?

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

Fredericksburg Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Fredericksburg, Texas auto theft statistics, there have been 6 auto thefts in the city.

Fredericksburg Commute Time

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

Fredericksburg Traffic

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

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Compare Fredericksburg, Texas Auto Insurance Quotes

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