Best Cheap Auto Insurance in Helotes, TX (2021)

The average Helotes, TX auto insurance rates are $333 per month. The minimum auto insurance in Helotes is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Helotes, 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 Helotes is USAA
  • The most expensive auto insurance company in Helotes for teen drivers is Progressive
  • The average commute length in Helotes is 31.1 minutes

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

Compare auto insurance in Helotes to other Texas cities, including Laredo auto insurance rates, Dallas auto insurance rates, and El Paso auto insurance rates to see how Helotes, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Helotes, Texas

Helotes, 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 Helotes, Texas.

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

Auto insurance rates in Helotes, 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 Helotes, 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 $3,198 $3,227 $3,155 $3,155 $8,562 $10,345 $3,969 $4,140
American Family $2,783 $3,110 $2,650 $3,045 $7,778 $10,231 $4,072 $4,667
GEICO $2,899 $3,144 $2,818 $3,229 $6,436 $6,637 $3,138 $3,104
Nationwide $2,298 $2,334 $2,032 $2,148 $6,561 $8,409 $2,705 $2,923
Progressive $2,522 $2,386 $2,250 $2,291 $10,757 $11,988 $2,984 $3,017
State Farm $2,207 $2,207 $1,971 $1,971 $5,339 $6,808 $2,403 $2,468
USAA $1,701 $1,700 $1,635 $1,612 $4,900 $5,301 $2,265 $2,403

Cheap Helotes, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Helotes, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,562 $10,345
American Family $7,778 $10,231
GEICO $6,436 $6,637
Nationwide $6,561 $8,409
Progressive $10,757 $11,988
State Farm $5,339 $6,808
USAA $4,900 $5,301

Cheap Helotes, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Helotes, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,155 $3,155
American Family $2,650 $3,045
GEICO $2,818 $3,229
Nationwide $2,032 $2,148
Progressive $2,250 $2,291
State Farm $1,971 $1,971
USAA $1,635 $1,612

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

Annual Helotes, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,847 $5,951 $6,230 $3,847
American Family $4,365 $5,562 $4,877 $4,365
GEICO $3,324 $4,418 $3,666 $4,296
Nationwide $3,191 $3,191 $4,720 $3,602
Progressive $4,160 $5,400 $4,857 $4,682
State Farm $2,810 $3,234 $3,834 $2,810
USAA $1,994 $2,968 $3,508 $2,289

Cheap Helotes, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Helotes, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,230
American Family $4,877
GEICO $3,666
Nationwide $4,720
Progressive $4,857
State Farm $3,834
USAA $3,508

Cheap Helotes, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Helotes, Texas

Insurance Company Poor Fair Good
Allstate $6,303 $4,634 $3,970
American Family $6,555 $4,160 $3,661
GEICO $6,083 $3,425 $2,270
Nationwide $4,405 $3,544 $3,080
Progressive $5,363 $4,649 $4,312
State Farm $4,482 $2,799 $2,235
USAA $3,924 $2,293 $1,852

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Cheap Helotes, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Helotes, Texas

ZIP Code Average Annual Rates
78023 $5,937

Cheap Helotes, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Helotes, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,850 $5,087
American Family $4,792 $4,792
GEICO $3,852 $4,000
Nationwide $3,676 $3,676
Progressive $4,775 $4,775
State Farm $3,172 $3,172
USAA $2,656 $2,724

Cheap Helotes, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Helotes, Texas

Insurance Company Low Medium High
Allstate $4,875 $4,934 $5,097
American Family $4,448 $4,618 $5,311
GEICO $3,689 $3,868 $4,221
Nationwide $3,956 $3,521 $3,552
Progressive $4,536 $4,751 $5,037
State Farm $2,982 $3,160 $3,374
USAA $2,583 $2,677 $2,809

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Best By Category: Cheapest Auto Insurance in Helotes, Texas

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

Best Annual Auto Insurance Rates by Company in Helotes, Texas

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

The Cheapest Helotes, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Helotes, Texas

Insurance Company Average Annual Rates
Allstate $4,969
American Family $4,792
GEICO $3,926
Nationwide $3,676
Progressive $4,775
State Farm $3,172
USAA $2,690

What affects auto insurance rates in Helotes, Texas?

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

Helotes Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Helotes, Texas auto theft statistics, there have been 4 auto thefts in the city.

Helotes Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Helotes, Texas commute length is 31.1 minutes according to City-Data.

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Compare Helotes, Texas Auto Insurance Quotes

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