Best Cheap Auto Insurance in Garden Ridge, TX (2021)

The average Garden Ridge, TX auto insurance rates are $312 per month. The minimum auto insurance in Garden Ridge is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Garden Ridge, 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 15, 2021

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Things to Remember

  • The cheapest auto insurance company in Garden Ridge is USAA
  • The most expensive auto insurance company in Garden Ridge for teen drivers is Progressive
  • The average commute length in Garden Ridge is 29.2 minutes

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

Compare auto insurance in Garden Ridge to other Texas cities, including El Paso auto insurance rates, Corpus Christi auto insurance rates, and Laredo auto insurance rates to see how Garden Ridge, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Garden Ridge, Texas

Garden Ridge, 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 Garden Ridge, Texas.

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

Auto insurance rates in Garden Ridge, 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 Garden Ridge, 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 $3,198 $3,227 $3,155 $3,155 $8,562 $10,345 $3,969 $4,140
American Family $2,567 $2,858 $2,398 $2,747 $6,766 $8,831 $3,679 $4,185
GEICO $2,503 $2,711 $2,429 $2,781 $5,576 $5,721 $2,709 $2,678
Nationwide $2,359 $2,395 $2,086 $2,204 $6,772 $8,674 $2,780 $3,004
Progressive $2,373 $2,244 $2,125 $2,160 $10,219 $11,392 $2,807 $2,837
State Farm $2,110 $2,110 $1,879 $1,879 $5,086 $6,486 $2,296 $2,364
USAA $1,438 $1,441 $1,380 $1,363 $4,085 $4,429 $1,912 $2,035

Cheap Garden Ridge, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Garden Ridge, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,562 $10,345
American Family $6,766 $8,831
GEICO $5,576 $5,721
Nationwide $6,772 $8,674
Progressive $10,219 $11,392
State Farm $5,086 $6,486
USAA $4,085 $4,429

Cheap Garden Ridge, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Garden Ridge, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,155 $3,155
American Family $2,398 $2,747
GEICO $2,429 $2,781
Nationwide $2,086 $2,204
Progressive $2,125 $2,160
State Farm $1,879 $1,879
USAA $1,380 $1,363

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

Annual Garden Ridge, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,847 $5,951 $6,230 $3,847
American Family $3,875 $4,937 $4,327 $3,875
GEICO $2,872 $3,817 $3,164 $3,700
Nationwide $3,286 $3,286 $4,858 $3,708
Progressive $3,939 $5,119 $4,593 $4,428
State Farm $2,685 $3,084 $3,650 $2,685
USAA $1,682 $2,490 $2,939 $1,930

Cheap Garden Ridge, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Garden Ridge, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,230
American Family $4,327
GEICO $3,164
Nationwide $4,858
Progressive $4,593
State Farm $3,650
USAA $2,939

Cheap Garden Ridge, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Garden Ridge, Texas

Insurance Company Poor Fair Good
Allstate $6,303 $4,634 $3,970
American Family $5,837 $3,699 $3,224
GEICO $5,234 $2,960 $1,971
Nationwide $4,535 $3,649 $3,169
Progressive $5,065 $4,403 $4,090
State Farm $4,287 $2,667 $2,124
USAA $3,301 $1,925 $1,555

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Cheap Garden Ridge, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Garden Ridge, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,850 $5,087
American Family $4,254 $4,254
GEICO $3,327 $3,449
Nationwide $3,784 $3,784
Progressive $4,520 $4,520
State Farm $3,026 $3,026
USAA $2,232 $2,289

Cheap Garden Ridge, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Garden Ridge, Texas

Insurance Company Low Medium High
Allstate $4,875 $4,934 $5,097
American Family $3,962 $4,097 $4,702
GEICO $3,192 $3,347 $3,627
Nationwide $4,075 $3,625 $3,653
Progressive $4,291 $4,498 $4,769
State Farm $2,864 $3,018 $3,196
USAA $2,177 $2,250 $2,354

Best By Category: Cheapest Auto Insurance in Garden Ridge, Texas

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

Best Annual Auto Insurance Rates by Company in Garden Ridge, Texas

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

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The Cheapest Garden Ridge, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Garden Ridge, Texas

Insurance Company Average Annual Rates
Allstate $4,969
American Family $4,254
GEICO $3,388
Nationwide $3,784
Progressive $4,519
State Farm $3,026
USAA $2,260

What affects auto insurance rates in Garden Ridge, Texas?

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

Garden Ridge Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Garden Ridge, Texas auto theft statistics, there have been 2 auto thefts in the city.

Garden Ridge Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Garden Ridge, Texas commute length is 29.2 minutes according to City-Data.

Compare Garden Ridge, Texas Auto Insurance Quotes

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