Best Cheap Auto Insurance in Josephine, TX (2021)

The average Josephine, TX auto insurance rates are $333 per month. The minimum auto insurance in Josephine is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Josephine, Texas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 most expensive auto insurance company in Josephine for teen drivers is Allstate
  • Average auto insurance rates in Josephine, TX for senior drivers are $2,429 per year
  • The cheapest auto insurance company in Josephine is USAA

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

Compare auto insurance in Josephine to other Texas cities, including Corpus Christi auto insurance rates, El Paso auto insurance rates, and Plano auto insurance rates to see how Josephine, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Josephine, Texas

Josephine, 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 Josephine, Texas.

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

Auto insurance rates in Josephine, 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 Josephine, 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 $3,916 $3,939 $3,862 $3,862 $10,479 $12,612 $4,831 $5,017
American Family $2,787 $3,122 $2,641 $3,044 $7,679 $9,974 $4,063 $4,620
GEICO $2,665 $2,879 $2,569 $2,917 $5,870 $6,109 $2,887 $2,885
Nationwide $2,237 $2,270 $1,978 $2,090 $6,434 $8,240 $2,637 $2,849
Progressive $2,219 $2,114 $1,982 $2,017 $9,325 $10,401 $2,632 $2,674
State Farm $2,229 $2,229 $1,994 $1,994 $5,528 $7,076 $2,436 $2,506
USAA $1,609 $1,609 $1,541 $1,518 $4,641 $5,029 $2,143 $2,279

Cheap Josephine, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Josephine, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,479 $12,612
American Family $7,679 $9,974
GEICO $5,870 $6,109
Nationwide $6,434 $8,240
Progressive $9,325 $10,401
State Farm $5,528 $7,076
USAA $4,641 $5,029

Cheap Josephine, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Josephine, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,862 $3,862
American Family $2,641 $3,044
GEICO $2,569 $2,917
Nationwide $1,978 $2,090
Progressive $1,982 $2,017
State Farm $1,994 $1,994
USAA $1,541 $1,518

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

Annual Josephine, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,672 $7,290 $7,625 $4,672
American Family $4,304 $5,526 $4,831 $4,304
GEICO $3,050 $4,040 $3,367 $3,933
Nationwide $3,119 $3,119 $4,611 $3,519
Progressive $3,640 $4,704 $4,243 $4,095
State Farm $2,867 $3,314 $3,948 $2,867
USAA $1,890 $2,804 $3,321 $2,169

Cheap Josephine, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Josephine, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,625
American Family $4,831
GEICO $3,367
Nationwide $4,611
Progressive $4,243
State Farm $3,948
USAA $3,321

Cheap Josephine, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Josephine, Texas

Insurance Company Poor Fair Good
Allstate $7,690 $5,655 $4,850
American Family $6,448 $4,161 $3,615
GEICO $5,564 $3,141 $2,088
Nationwide $4,299 $3,465 $3,012
Progressive $4,686 $4,059 $3,766
State Farm $4,600 $2,864 $2,282
USAA $3,729 $2,165 $1,744

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Cheap Josephine, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Josephine, Texas

ZIP Code Average Annual Rates
75173 $5,858

Cheap Josephine, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Josephine, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,914 $6,216
American Family $4,741 $4,741
GEICO $3,530 $3,665
Nationwide $3,592 $3,592
Progressive $4,170 $4,170
State Farm $3,249 $3,249
USAA $2,514 $2,578

Cheap Josephine, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Josephine, Texas

Insurance Company Low Medium High
Allstate $5,923 $6,012 $6,260
American Family $4,396 $4,555 $5,273
GEICO $3,408 $3,552 $3,832
Nationwide $3,864 $3,440 $3,472
Progressive $3,977 $4,153 $4,381
State Farm $3,067 $3,240 $3,439
USAA $2,458 $2,536 $2,645

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Best By Category: Cheapest Auto Insurance in Josephine, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Josephine, Texas

Insurance Company Average Annual Rates
Allstate $6,065
American Family $4,741
GEICO $3,598
Nationwide $3,592
Progressive $4,170
State Farm $3,249
USAA $2,546

What affects auto insurance rates in Josephine, Texas?

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

Josephine Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Josephine, Texas commute length is 43.3 minutes according to City-Data.

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Compare Josephine, Texas Auto Insurance Quotes

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

Free Auto Insurance Comparison

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