Best Cheap Auto Insurance in Hilltop Lakes, TX (2021)

The average Hilltop Lakes, TX auto insurance rates are $326 per month. The minimum auto insurance in Hilltop Lakes is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Hilltop Lakes, 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 average commute length in Hilltop Lakes is 34.9 minutes
  • Average auto insurance rates in Hilltop Lakes, TX for senior drivers are $2,356 per year
  • The cheapest auto insurance company in Hilltop Lakes is USAA

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

Compare auto insurance in Hilltop Lakes to other Texas cities, including San Antonio auto insurance rates, Houston auto insurance rates, and El Paso auto insurance rates to see how Hilltop Lakes, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Hilltop Lakes, Texas

Hilltop Lakes, 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 Hilltop Lakes, Texas.

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

Auto insurance rates in Hilltop Lakes, 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 Hilltop Lakes, 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 $3,660 $3,696 $3,618 $3,618 $9,504 $11,477 $4,517 $4,706
American Family $2,750 $3,050 $2,524 $2,882 $6,986 $9,157 $3,894 $4,432
GEICO $2,227 $2,388 $2,127 $2,369 $4,786 $5,057 $2,409 $2,441
Nationwide $2,221 $2,260 $1,965 $2,080 $6,237 $8,009 $2,603 $2,816
Progressive $2,943 $2,801 $2,606 $2,663 $12,357 $13,777 $3,501 $3,558
State Farm $2,022 $2,022 $1,790 $1,790 $4,701 $5,966 $2,189 $2,260
USAA $1,553 $1,565 $1,481 $1,473 $4,353 $4,751 $2,073 $2,230

Cheap Hilltop Lakes, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hilltop Lakes, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,504 $11,477
American Family $6,986 $9,157
GEICO $4,786 $5,057
Nationwide $6,237 $8,009
Progressive $12,357 $13,777
State Farm $4,701 $5,966
USAA $4,353 $4,751

Cheap Hilltop Lakes, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hilltop Lakes, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,618 $3,618
American Family $2,524 $2,882
GEICO $2,127 $2,369
Nationwide $1,965 $2,080
Progressive $2,606 $2,663
State Farm $1,790 $1,790
USAA $1,481 $1,473

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

Annual Hilltop Lakes, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,370 $6,701 $6,956 $4,370
American Family $4,066 $5,173 $4,532 $4,066
GEICO $2,530 $3,325 $2,798 $3,248
Nationwide $3,059 $3,059 $4,526 $3,453
Progressive $4,811 $6,229 $5,631 $5,433
State Farm $2,541 $2,894 $3,393 $2,541
USAA $1,817 $2,677 $3,159 $2,086

Cheap Hilltop Lakes, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hilltop Lakes, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,956
American Family $4,532
GEICO $2,798
Nationwide $4,526
Progressive $5,631
State Farm $3,393
USAA $3,159

Cheap Hilltop Lakes, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Hilltop Lakes, Texas

Insurance Company Poor Fair Good
Allstate $7,142 $5,207 $4,450
American Family $6,166 $3,856 $3,356
GEICO $4,581 $2,602 $1,742
Nationwide $4,227 $3,394 $2,952
Progressive $6,230 $5,373 $4,974
State Farm $4,030 $2,504 $1,993
USAA $3,583 $2,063 $1,658

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Cheap Hilltop Lakes, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hilltop Lakes, Texas

ZIP Code Average Annual Rates
77871 $5,877

Cheap Hilltop Lakes, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hilltop Lakes, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,466 $5,733
American Family $4,460 $4,460
GEICO $2,920 $3,030
Nationwide $3,524 $3,524
Progressive $5,526 $5,526
State Farm $2,842 $2,842
USAA $2,404 $2,465

Cheap Hilltop Lakes, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Hilltop Lakes, Texas

Insurance Company Low Medium High
Allstate $5,449 $5,543 $5,807
American Family $4,181 $4,309 $4,889
GEICO $2,856 $2,948 $3,123
Nationwide $3,795 $3,373 $3,404
Progressive $5,280 $5,500 $5,798
State Farm $2,706 $2,833 $2,988
USAA $2,357 $2,425 $2,522

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Best By Category: Cheapest Auto Insurance in Hilltop Lakes, Texas

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

Best Annual Auto Insurance Rates by Company in Hilltop Lakes, 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 Hilltop Lakes, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Hilltop Lakes, Texas

Insurance Company Average Annual Rates
Allstate $5,600
American Family $4,460
GEICO $2,975
Nationwide $3,524
Progressive $5,526
State Farm $2,842
USAA $2,435

What affects auto insurance rates in Hilltop Lakes, Texas?

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

Hilltop Lakes Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hilltop Lakes, Texas commute length is 34.9 minutes according to City-Data.

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Compare Hilltop Lakes, Texas Auto Insurance Quotes

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