Best Cheap Auto Insurance in Happy, TX (2021)

The average Happy, TX auto insurance rates are $328 per month. The minimum auto insurance in Happy is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Happy, 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 Happy, Texas is 30/60/25
  • Average auto insurance rates in Happy, TX for senior drivers are $2,408 per year
  • The cheapest auto insurance company in Happy is USAA

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

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

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

Minimum Auto Insurance in Happy, Texas

Happy, 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 Happy, Texas.

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

Auto insurance rates in Happy, 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 Happy, 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 $3,770 $4,118 $3,193 $3,598 $7,974 $10,618 $5,053 $5,742
GEICO $2,384 $2,536 $2,229 $2,472 $5,068 $5,291 $2,582 $2,611
Nationwide $2,271 $2,317 $2,005 $2,130 $6,294 $8,115 $2,653 $2,876
Progressive $2,699 $2,525 $2,397 $2,453 $11,281 $12,464 $3,149 $3,131
State Farm $1,759 $1,759 $1,556 $1,556 $4,059 $5,147 $1,901 $1,965
USAA $1,558 $1,606 $1,464 $1,501 $3,909 $4,372 $2,090 $2,325

Cheap Happy, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Happy, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,094 $11,053
American Family $7,974 $10,618
GEICO $5,068 $5,291
Nationwide $6,294 $8,115
Progressive $11,281 $12,464
State Farm $4,059 $5,147
USAA $3,909 $4,372

Cheap Happy, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Happy, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,576 $3,576
American Family $3,193 $3,598
GEICO $2,229 $2,472
Nationwide $2,005 $2,130
Progressive $2,397 $2,453
State Farm $1,556 $1,556
USAA $1,464 $1,501

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

Annual Happy, 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 $5,068 $6,330 $5,567 $5,068
GEICO $2,671 $3,479 $2,984 $3,453
Nationwide $3,103 $3,103 $4,614 $3,510
Progressive $4,368 $5,664 $5,099 $4,919
State Farm $2,205 $2,507 $2,935 $2,205
USAA $1,787 $2,568 $3,006 $2,051

Cheap Happy, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Happy, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,715
American Family $5,567
GEICO $2,984
Nationwide $4,614
Progressive $5,099
State Farm $2,935
USAA $3,006

Cheap Happy, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Happy, Texas

Insurance Company Poor Fair Good
Allstate $6,978 $5,093 $4,347
American Family $7,863 $4,642 $4,019
GEICO $4,852 $2,750 $1,837
Nationwide $4,304 $3,445 $2,999
Progressive $5,642 $4,876 $4,519
State Farm $3,489 $2,171 $1,729
USAA $3,528 $1,968 $1,564

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Cheap Happy, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Happy, Texas

ZIP Code Average Annual Rates
79042 $5,696

Cheap Happy, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Happy, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,351 $5,594
American Family $5,508 $5,508
GEICO $3,083 $3,210
Nationwide $3,583 $3,583
Progressive $5,012 $5,012
State Farm $2,463 $2,463
USAA $2,322 $2,384

Cheap Happy, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Happy, Texas

Insurance Company Low Medium High
Allstate $5,358 $5,430 $5,630
American Family $5,270 $5,386 $5,868
GEICO $3,019 $3,121 $3,299
Nationwide $3,875 $3,428 $3,445
Progressive $4,706 $4,975 $5,355
State Farm $2,348 $2,456 $2,584
USAA $2,300 $2,347 $2,412

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Best By Category: Cheapest Auto Insurance in Happy, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Happy, Texas

Insurance Company Average Annual Rates
Allstate $5,473
American Family $5,508
GEICO $3,146
Nationwide $3,583
Progressive $5,012
State Farm $2,463
USAA $2,353

What affects auto insurance rates in Happy, Texas?

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

Happy Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Happy, Texas commute length is 21.3 minutes according to City-Data.

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Compare Happy, Texas Auto Insurance Quotes

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