Best Cheap Auto Insurance in Galveston, TX (2021)

The average Galveston, TX auto insurance rates are $356 per month. The minimum auto insurance in Galveston is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Galveston, 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 Galveston is USAA
  • Average auto insurance rates in Galveston, TX for senior drivers are $2,587 per year
  • The most expensive auto insurance company in Galveston for teen drivers is Progressive

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

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

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

Minimum Auto Insurance in Galveston, Texas

Galveston, 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 Galveston, Texas.

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

Auto insurance rates in Galveston, 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 Galveston, 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 $3,705 $3,731 $3,658 $3,658 $9,726 $11,716 $4,562 $4,741
American Family $3,329 $3,749 $3,193 $3,699 $9,614 $12,533 $4,945 $5,650
GEICO $2,661 $2,896 $2,600 $2,994 $5,943 $6,131 $2,883 $2,848
Nationwide $2,448 $2,490 $2,161 $2,289 $6,980 $8,970 $2,880 $3,118
Progressive $2,912 $2,813 $2,562 $2,624 $11,680 $13,066 $3,492 $3,586
State Farm $2,000 $2,000 $1,789 $1,789 $4,856 $6,197 $2,179 $2,241
USAA $1,677 $1,680 $1,609 $1,589 $4,783 $5,184 $2,231 $2,375

Cheap Galveston, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Galveston, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,726 $11,716
American Family $9,614 $12,533
GEICO $5,943 $6,131
Nationwide $6,980 $8,970
Progressive $11,680 $13,066
State Farm $4,856 $6,197
USAA $4,783 $5,184

Cheap Galveston, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Galveston, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,658 $3,658
American Family $3,193 $3,699
GEICO $2,600 $2,994
Nationwide $2,161 $2,289
Progressive $2,562 $2,624
State Farm $1,789 $1,789
USAA $1,609 $1,589

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

Annual Galveston, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,409 $6,826 $7,104 $4,409
American Family $5,291 $6,820 $5,953 $5,291
GEICO $3,068 $4,084 $3,370 $3,955
Nationwide $3,394 $3,394 $5,042 $3,837
Progressive $4,656 $5,976 $5,462 $5,273
State Farm $2,552 $2,937 $3,484 $2,552
USAA $1,962 $2,912 $3,437 $2,253

Cheap Galveston, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Galveston, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,104
American Family $5,953
GEICO $3,370
Nationwide $5,042
Progressive $5,462
State Farm $3,484
USAA $3,437

Cheap Galveston, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Galveston, Texas

Insurance Company Poor Fair Good
Allstate $7,236 $5,293 $4,532
American Family $7,905 $5,135 $4,476
GEICO $5,599 $3,160 $2,100
Nationwide $4,701 $3,773 $3,278
Progressive $6,063 $5,182 $4,781
State Farm $4,067 $2,543 $2,033
USAA $3,865 $2,247 $1,811

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Cheap Galveston, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Galveston, Texas

ZIP Code Average Annual Rates
77550 $6,388
77551 $6,481
77554 $6,361
77555 $6,309

Cheap Galveston, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Galveston, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,547 $5,827
American Family $5,839 $5,839
GEICO $3,552 $3,687
Nationwide $3,917 $3,917
Progressive $5,342 $5,342
State Farm $2,881 $2,881
USAA $2,608 $2,674

Cheap Galveston, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Galveston, Texas

Insurance Company Low Medium High
Allstate $5,534 $5,630 $5,897
American Family $5,372 $5,582 $6,563
GEICO $3,393 $3,562 $3,903
Nationwide $4,223 $3,749 $3,779
Progressive $5,125 $5,323 $5,577
State Farm $2,715 $2,871 $3,057
USAA $2,542 $2,629 $2,751

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Best By Category: Cheapest Auto Insurance in Galveston, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Galveston, Texas

Insurance Company Average Annual Rates
Allstate $5,687
American Family $5,839
GEICO $3,619
Nationwide $3,917
Progressive $5,342
State Farm $2,881
USAA $2,641

What affects auto insurance rates in Galveston, Texas?

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

Galveston Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Galveston, Texas auto theft statistics, there have been 253 auto thefts in the city.

Galveston Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Galveston, Texas commute length is 20.2 minutes according to City-Data.

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Compare Galveston, Texas Auto Insurance Quotes

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