Best Cheap Auto Insurance in Hereford, TX (2021)

The average Hereford, TX auto insurance rates are $309 per month. The minimum auto insurance in Hereford is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Hereford, Texas, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in Hereford for teen drivers is Allstate
  • The average commute length in Hereford is 14.5 minutes
  • The minimum auto insurance required in Hereford, Texas is 30/60/25

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

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

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

Minimum Auto Insurance in Hereford, Texas

Hereford, 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 Hereford, Texas.

Minimum Required Auto Insurance Coverage in Hereford, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Hereford, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Hereford, 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 Hereford, 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 $3,705 $3,768 $3,664 $3,664 $9,235 $11,239 $4,592 $4,834
American Family $3,062 $3,357 $2,668 $3,014 $6,852 $9,067 $4,165 $4,732
GEICO $2,611 $2,754 $2,390 $2,612 $5,405 $5,684 $2,830 $2,888
Nationwide $2,271 $2,317 $2,005 $2,130 $6,294 $8,115 $2,653 $2,876
Progressive $2,222 $2,129 $1,973 $2,016 $9,058 $10,089 $2,640 $2,691
State Farm $1,678 $1,678 $1,486 $1,486 $3,876 $4,916 $1,815 $1,876
USAA $1,558 $1,606 $1,464 $1,501 $3,909 $4,372 $2,090 $2,325

Cheap Hereford, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hereford, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,235 $11,239
American Family $6,852 $9,067
GEICO $5,405 $5,684
Nationwide $6,294 $8,115
Progressive $9,058 $10,089
State Farm $3,876 $4,916
USAA $3,909 $4,372

Cheap Hereford, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hereford, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,664 $3,664
American Family $2,668 $3,014
GEICO $2,390 $2,612
Nationwide $2,005 $2,130
Progressive $1,973 $2,016
State Farm $1,486 $1,486
USAA $1,464 $1,501

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

Annual Hereford, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,464 $6,591 $6,833 $4,464
American Family $4,239 $5,309 $4,671 $4,239
GEICO $2,881 $3,708 $3,250 $3,748
Nationwide $3,103 $3,103 $4,614 $3,510
Progressive $3,584 $4,603 $4,181 $4,040
State Farm $2,105 $2,394 $2,802 $2,105
USAA $1,787 $2,568 $3,006 $2,051

Cheap Hereford, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hereford, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,833
American Family $4,671
GEICO $3,250
Nationwide $4,614
Progressive $4,181
State Farm $2,802
USAA $3,006

Cheap Hereford, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Hereford, Texas

Insurance Company Poor Fair Good
Allstate $7,130 $5,198 $4,435
American Family $6,519 $3,919 $3,406
GEICO $5,247 $2,967 $1,976
Nationwide $4,304 $3,445 $2,999
Progressive $4,628 $3,987 $3,692
State Farm $3,330 $2,073 $1,652
USAA $3,528 $1,968 $1,564

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Hereford, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hereford, Texas

ZIP Code Average Annual Rates
79045 $5,287

Cheap Hereford, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hereford, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,465 $5,711
American Family $4,615 $4,615
GEICO $3,321 $3,473
Nationwide $3,583 $3,583
Progressive $4,102 $4,102
State Farm $2,351 $2,351
USAA $2,322 $2,384

Cheap Hereford, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Hereford, Texas

Insurance Company Low Medium High
Allstate $5,473 $5,545 $5,745
American Family $4,381 $4,494 $4,969
GEICO $3,278 $3,369 $3,544
Nationwide $3,875 $3,428 $3,445
Progressive $3,934 $4,086 $4,287
State Farm $2,242 $2,344 $2,468
USAA $2,300 $2,347 $2,412

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Hereford, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Hereford, Texas

Insurance Company Average Annual Rates
Allstate $5,588
American Family $4,615
GEICO $3,397
Nationwide $3,583
Progressive $4,102
State Farm $2,351
USAA $2,353

What affects auto insurance rates in Hereford, Texas?

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

Hereford Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Hereford, Texas auto theft statistics, there have been 25 auto thefts in the city.

Hereford Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hereford, Texas commute length is 14.5 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Hereford, Texas Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption