Best Cheap Auto Insurance in Groom, TX (2021)

The average Groom, TX auto insurance rates are $332 per month. The minimum auto insurance in Groom is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Groom, 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 Groom is USAA
  • The average commute length in Groom is 22.9 minutes
  • The minimum auto insurance required in Groom, Texas is 30/60/25

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

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

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

Minimum Auto Insurance in Groom, Texas

Groom, 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 Groom, Texas.

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

Auto insurance rates in Groom, 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 Groom, 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 $3,617 $3,674 $3,576 $3,576 $9,094 $11,053 $4,481 $4,710
American Family $3,758 $4,104 $3,181 $3,584 $7,932 $10,557 $5,034 $5,718
GEICO $2,564 $2,699 $2,336 $2,547 $5,355 $5,609 $2,782 $2,842
Nationwide $2,471 $2,522 $2,179 $2,317 $6,871 $8,867 $2,888 $3,134
Progressive $2,557 $2,448 $2,266 $2,316 $10,490 $11,694 $3,042 $3,095
State Farm $1,784 $1,784 $1,578 $1,578 $4,116 $5,219 $1,928 $1,993
USAA $1,594 $1,639 $1,497 $1,531 $4,047 $4,518 $2,138 $2,373

Cheap Groom, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Groom, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,094 $11,053
American Family $7,932 $10,557
GEICO $5,355 $5,609
Nationwide $6,871 $8,867
Progressive $10,490 $11,694
State Farm $4,116 $5,219
USAA $4,047 $4,518

Cheap Groom, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Groom, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,576 $3,576
American Family $3,181 $3,584
GEICO $2,336 $2,547
Nationwide $2,179 $2,317
Progressive $2,266 $2,316
State Farm $1,578 $1,578
USAA $1,497 $1,531

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

Annual Groom, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,354 $6,467 $6,715 $4,354
American Family $5,046 $6,300 $5,542 $5,046
GEICO $2,834 $3,653 $3,198 $3,682
Nationwide $3,381 $3,381 $5,037 $3,826
Progressive $4,133 $5,324 $4,831 $4,666
State Farm $2,236 $2,543 $2,976 $2,236
USAA $1,833 $2,638 $3,094 $2,103

Cheap Groom, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Groom, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,715
American Family $5,542
GEICO $3,198
Nationwide $5,037
Progressive $4,831
State Farm $2,976
USAA $3,094

Cheap Groom, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Groom, Texas

Insurance Company Poor Fair Good
Allstate $6,978 $5,093 $4,347
American Family $7,827 $4,623 $4,001
GEICO $5,160 $2,919 $1,946
Nationwide $4,700 $3,754 $3,264
Progressive $5,350 $4,605 $4,261
State Farm $3,539 $2,201 $1,753
USAA $3,624 $2,022 $1,606

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Cheap Groom, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Groom, Texas

ZIP Code Average Annual Rates
79039 $5,705

Cheap Groom, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Groom, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,351 $5,594
American Family $5,484 $5,484
GEICO $3,270 $3,414
Nationwide $3,906 $3,906
Progressive $4,738 $4,738
State Farm $2,498 $2,498
USAA $2,385 $2,449

Cheap Groom, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Groom, Texas

Insurance Company Low Medium High
Allstate $5,358 $5,430 $5,630
American Family $5,247 $5,363 $5,841
GEICO $3,237 $3,325 $3,463
Nationwide $4,229 $3,737 $3,753
Progressive $4,520 $4,719 $4,977
State Farm $2,383 $2,491 $2,619
USAA $2,364 $2,412 $2,475

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Best By Category: Cheapest Auto Insurance in Groom, Texas

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

Best Annual Auto Insurance Rates by Company in Groom, Texas

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

The Cheapest Groom, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Groom, Texas

Insurance Company Average Annual Rates
Allstate $5,473
American Family $5,484
GEICO $3,342
Nationwide $3,906
Progressive $4,738
State Farm $2,498
USAA $2,417

What affects auto insurance rates in Groom, Texas?

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

Groom Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Groom, Texas commute length is 22.9 minutes according to City-Data.

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Compare Groom, Texas Auto Insurance Quotes

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

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