Best Cheap Auto Insurance in Gardendale, TX (2021)

The average Gardendale, TX auto insurance rates are $313 per month. The minimum auto insurance in Gardendale is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Gardendale, 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 minimum auto insurance required in Gardendale, Texas is 30/60/25
  • The most expensive auto insurance company in Gardendale for teen drivers is Progressive
  • Average auto insurance rates in Gardendale, TX for senior drivers are $2,283 per year

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

Compare auto insurance in Gardendale to other Texas cities, including Laredo auto insurance rates, Austin auto insurance rates, and San Antonio auto insurance rates to see how Gardendale, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Gardendale, Texas

Gardendale, 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 Gardendale, Texas.

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

Auto insurance rates in Gardendale, 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 Gardendale, 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 $3,482 $3,536 $3,440 $3,440 $8,940 $10,875 $4,333 $4,559
American Family $2,701 $2,996 $2,522 $2,878 $7,176 $9,516 $3,877 $4,452
GEICO $2,365 $2,534 $2,237 $2,515 $5,078 $5,279 $2,563 $2,572
Nationwide $2,119 $2,158 $1,871 $1,985 $5,933 $7,636 $2,481 $2,688
Progressive $2,363 $2,264 $2,105 $2,147 $9,887 $11,016 $2,817 $2,872
State Farm $2,024 $2,024 $1,806 $1,806 $4,936 $6,307 $2,206 $2,273
USAA $1,691 $1,715 $1,604 $1,609 $4,610 $5,067 $2,264 $2,460

Cheap Gardendale, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gardendale, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,940 $10,875
American Family $7,176 $9,516
GEICO $5,078 $5,279
Nationwide $5,933 $7,636
Progressive $9,887 $11,016
State Farm $4,936 $6,307
USAA $4,610 $5,067

Cheap Gardendale, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gardendale, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,440 $3,440
American Family $2,522 $2,878
GEICO $2,237 $2,515
Nationwide $1,871 $1,985
Progressive $2,105 $2,147
State Farm $1,806 $1,806
USAA $1,604 $1,609

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

Annual Gardendale, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,212 $6,306 $6,571 $4,212
American Family $4,114 $5,242 $4,590 $4,114
GEICO $2,668 $3,488 $2,967 $3,449
Nationwide $2,911 $2,911 $4,323 $3,290
Progressive $3,869 $4,991 $4,512 $4,364
State Farm $2,588 $2,980 $3,535 $2,588
USAA $1,969 $2,882 $3,398 $2,261

Cheap Gardendale, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gardendale, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,571
American Family $4,590
GEICO $2,967
Nationwide $4,323
Progressive $4,512
State Farm $3,535
USAA $3,398

Cheap Gardendale, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gardendale, Texas

Insurance Company Poor Fair Good
Allstate $6,775 $4,962 $4,239
American Family $6,255 $3,878 $3,412
GEICO $4,846 $2,747 $1,835
Nationwide $4,025 $3,234 $2,818
Progressive $4,986 $4,314 $4,002
State Farm $4,138 $2,577 $2,054
USAA $3,895 $2,216 $1,772

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Cheap Gardendale, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gardendale, Texas

ZIP Code Average Annual Rates
79758 $5,529

Cheap Gardendale, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Gardendale, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,206 $5,445
American Family $4,515 $4,515
GEICO $3,079 $3,207
Nationwide $3,359 $3,359
Progressive $4,434 $4,434
State Farm $2,923 $2,923
USAA $2,594 $2,661

Cheap Gardendale, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gardendale, Texas

Insurance Company Low Medium High
Allstate $5,241 $5,294 $5,441
American Family $4,252 $4,383 $4,910
GEICO $2,988 $3,105 $3,336
Nationwide $3,636 $3,216 $3,224
Progressive $4,260 $4,418 $4,623
State Farm $2,770 $2,916 $3,081
USAA $2,553 $2,619 $2,711

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Best By Category: Cheapest Auto Insurance in Gardendale, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Gardendale, Texas

Insurance Company Average Annual Rates
Allstate $5,325
American Family $4,515
GEICO $3,143
Nationwide $3,359
Progressive $4,434
State Farm $2,923
USAA $2,628

What affects auto insurance rates in Gardendale, Texas?

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

Gardendale Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gardendale, Texas commute length is 44.6 minutes according to City-Data.

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Compare Gardendale, Texas Auto Insurance Quotes

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