Best Cheap Auto Insurance in Gary, TX (2021)

The average Gary, TX auto insurance rates are $332 per month. The minimum auto insurance in Gary is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Gary, 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

  • Average auto insurance rates in Gary, TX for senior drivers are $2,405 per year
  • The minimum auto insurance required in Gary, Texas is 30/60/25
  • The most expensive auto insurance company in Gary for teen drivers is Progressive

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

Compare auto insurance in Gary to other Texas cities, including Corpus Christi auto insurance rates, Dallas auto insurance rates, and San Antonio auto insurance rates to see how Gary, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Gary, Texas

Gary, 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 Gary, Texas.

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

Auto insurance rates in Gary, 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 Gary, 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 $3,951 $4,001 $3,903 $3,903 $10,129 $12,282 $4,893 $5,122
American Family $2,635 $2,933 $2,463 $2,821 $6,980 $9,136 $3,783 $4,311
GEICO $2,199 $2,366 $2,127 $2,398 $4,693 $4,876 $2,367 $2,358
Nationwide $2,466 $2,507 $2,177 $2,305 $7,052 $9,052 $2,903 $3,140
Progressive $2,792 $2,634 $2,498 $2,537 $12,154 $13,570 $3,307 $3,335
State Farm $2,006 $2,006 $1,778 $1,778 $4,698 $5,970 $2,173 $2,245
USAA $1,568 $1,580 $1,496 $1,487 $4,400 $4,800 $2,093 $2,250

Cheap Gary, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Gary, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,129 $12,282
American Family $6,980 $9,136
GEICO $4,693 $4,876
Nationwide $7,052 $9,052
Progressive $12,154 $13,570
State Farm $4,698 $5,970
USAA $4,400 $4,800

Cheap Gary, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gary, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,903 $3,903
American Family $2,463 $2,821
GEICO $2,127 $2,398
Nationwide $2,177 $2,305
Progressive $2,498 $2,537
State Farm $1,778 $1,778
USAA $1,496 $1,487

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

Annual Gary, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,736 $7,176 $7,443 $4,736
American Family $4,002 $5,071 $4,456 $4,002
GEICO $2,485 $3,262 $2,747 $3,198
Nationwide $3,425 $3,425 $5,080 $3,870
Progressive $4,656 $6,076 $5,442 $5,240
State Farm $2,528 $2,884 $3,387 $2,528
USAA $1,835 $2,704 $3,192 $2,106

Cheap Gary, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gary, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,443
American Family $4,456
GEICO $2,747
Nationwide $5,080
Progressive $5,442
State Farm $3,387
USAA $3,192

Cheap Gary, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gary, Texas

Insurance Company Poor Fair Good
Allstate $7,676 $5,603 $4,790
American Family $6,017 $3,802 $3,329
GEICO $4,498 $2,557 $1,713
Nationwide $4,741 $3,806 $3,304
Progressive $6,004 $5,215 $4,841
State Farm $4,014 $2,495 $1,986
USAA $3,619 $2,084 $1,674

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Cheap Gary, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gary, Texas

ZIP Code Average Annual Rates
75643 $6,032

Cheap Gary, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Gary, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,879 $6,167
American Family $4,383 $4,383
GEICO $2,868 $2,978
Nationwide $3,950 $3,950
Progressive $5,353 $5,353
State Farm $2,832 $2,832
USAA $2,428 $2,490

Cheap Gary, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gary, Texas

Insurance Company Low Medium High
Allstate $5,896 $5,976 $6,198
American Family $4,059 $4,210 $4,878
GEICO $2,764 $2,882 $3,123
Nationwide $4,253 $3,780 $3,818
Progressive $5,049 $5,327 $5,684
State Farm $2,695 $2,821 $2,979
USAA $2,380 $2,450 $2,547

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Best By Category: Cheapest Auto Insurance in Gary, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Gary, Texas

Insurance Company Average Annual Rates
Allstate $6,023
American Family $4,383
GEICO $2,923
Nationwide $3,950
Progressive $5,353
State Farm $2,832
USAA $2,459

What affects auto insurance rates in Gary, Texas?

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

Gary Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gary, Texas commute length is 33.3 minutes according to City-Data.

Gary Traffic

How does Gary, Texas rank for traffic? According to Inrix Gary, Texas is the 948th most congested worldwide.

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Compare Gary, Texas Auto Insurance Quotes

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

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