Best Cheap Auto Insurance in Harker Heights, TX (2021)

The average Harker Heights, TX auto insurance rates are $283 per month. The minimum auto insurance in Harker Heights is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Harker Heights, 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 16, 2021

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Things to Remember

  • The most expensive auto insurance company in Harker Heights for teen drivers is Allstate
  • The average commute length in Harker Heights is 22.8 minutes
  • Average auto insurance rates in Harker Heights, TX for senior drivers are $2,065 per year

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

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

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

Minimum Auto Insurance in Harker Heights, Texas

Harker Heights, 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 Harker Heights, Texas.

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

Auto insurance rates in Harker Heights, 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 Harker Heights, 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 $3,328 $3,353 $3,288 $3,288 $8,835 $10,650 $4,111 $4,272
American Family $2,510 $2,794 $2,357 $2,699 $6,688 $8,751 $3,608 $4,112
GEICO $2,011 $2,160 $1,931 $2,172 $4,354 $4,527 $2,172 $2,176
Nationwide $2,030 $2,064 $1,799 $1,902 $5,705 $7,307 $2,380 $2,570
Progressive $1,995 $1,915 $1,779 $1,812 $8,214 $9,179 $2,376 $2,435
State Farm $1,855 $1,855 $1,655 $1,655 $4,494 $5,738 $2,021 $2,084
USAA $1,355 $1,360 $1,295 $1,281 $3,796 $4,129 $1,795 $1,920

Cheap Harker Heights, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Harker Heights, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,835 $10,650
American Family $6,688 $8,751
GEICO $4,354 $4,527
Nationwide $5,705 $7,307
Progressive $8,214 $9,179
State Farm $4,494 $5,738
USAA $3,796 $4,129

Cheap Harker Heights, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Harker Heights, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,288 $3,288
American Family $2,357 $2,699
GEICO $1,931 $2,172
Nationwide $1,799 $1,902
Progressive $1,779 $1,812
State Farm $1,655 $1,655
USAA $1,295 $1,281

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

Annual Harker Heights, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,975 $6,179 $6,433 $3,975
American Family $3,832 $4,837 $4,259 $3,832
GEICO $2,287 $3,009 $2,524 $2,932
Nationwide $2,800 $2,800 $4,124 $3,156
Progressive $3,247 $4,171 $3,783 $3,652
State Farm $2,367 $2,722 $3,222 $2,367
USAA $1,582 $2,331 $2,740 $1,813

Cheap Harker Heights, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Harker Heights, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,433
American Family $4,259
GEICO $2,524
Nationwide $4,124
Progressive $3,783
State Farm $3,222
USAA $2,740

Cheap Harker Heights, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Harker Heights, Texas

Insurance Company Poor Fair Good
Allstate $6,547 $4,783 $4,092
American Family $5,745 $3,634 $3,191
GEICO $4,127 $2,354 $1,583
Nationwide $3,855 $3,104 $2,701
Progressive $4,180 $3,612 $3,348
State Farm $3,778 $2,354 $1,877
USAA $3,105 $1,797 $1,448

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Cheap Harker Heights, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Harker Heights, Texas

ZIP Code Average Annual Rates
76548 $4,999

Cheap Harker Heights, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Harker Heights, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,016 $5,265
American Family $4,190 $4,190
GEICO $2,640 $2,736
Nationwide $3,220 $3,220
Progressive $3,713 $3,713
State Farm $2,670 $2,670
USAA $2,090 $2,143

Cheap Harker Heights, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Harker Heights, Texas

Insurance Company Low Medium High
Allstate $5,006 $5,090 $5,327
American Family $3,888 $4,041 $4,641
GEICO $2,562 $2,662 $2,840
Nationwide $3,477 $3,085 $3,098
Progressive $3,577 $3,701 $3,862
State Farm $2,536 $2,665 $2,808
USAA $2,047 $2,108 $2,194

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Best By Category: Cheapest Auto Insurance in Harker Heights, Texas

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

Best Annual Auto Insurance Rates by Company in Harker Heights, 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 Harker Heights, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Harker Heights, Texas

Insurance Company Average Annual Rates
Allstate $5,141
American Family $4,190
GEICO $2,688
Nationwide $3,220
Progressive $3,713
State Farm $2,670
USAA $2,116

What affects auto insurance rates in Harker Heights, Texas?

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

Harker Heights Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Harker Heights, Texas auto theft statistics, there have been 43 auto thefts in the city.

Harker Heights Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Harker Heights, Texas commute length is 22.8 minutes according to City-Data.

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Compare Harker Heights, Texas Auto Insurance Quotes

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