Best Cheap Auto Insurance in Katy, TX (2021)

The average Katy, TX auto insurance rates are $367 per month. The minimum auto insurance in Katy is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Katy, 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

  • Average auto insurance rates in Katy, TX for senior drivers are $2,646 per year
  • The average commute length in Katy is 31.4 minutes
  • The most expensive auto insurance company in Katy for teen drivers is American Family

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

Compare auto insurance in Katy to other Texas cities, including El Paso auto insurance rates, Houston auto insurance rates, and Fort Worth auto insurance rates to see how Katy, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Katy, Texas

Katy, 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 Katy, Texas.

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

Auto insurance rates in Katy, 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 Katy, 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 $3,592 $3,610 $3,543 $3,543 $9,583 $11,521 $4,422 $4,584
American Family $3,708 $4,196 $3,593 $4,182 $11,064 $14,395 $5,583 $6,381
GEICO $2,670 $2,903 $2,598 $2,990 $6,003 $6,182 $2,897 $2,866
Nationwide $2,493 $2,531 $2,202 $2,329 $7,164 $9,191 $2,939 $3,179
Progressive $2,649 $2,511 $2,363 $2,402 $11,363 $12,711 $3,147 $3,196
State Farm $2,203 $2,203 $1,967 $1,967 $5,354 $6,833 $2,401 $2,469
USAA $1,769 $1,775 $1,696 $1,679 $5,032 $5,463 $2,360 $2,519

Cheap Katy, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Katy, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,583 $11,521
American Family $11,064 $14,395
GEICO $6,003 $6,182
Nationwide $7,164 $9,191
Progressive $11,363 $12,711
State Farm $5,354 $6,833
USAA $5,032 $5,463

Cheap Katy, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Katy, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,543 $3,543
American Family $3,593 $4,182
GEICO $2,598 $2,990
Nationwide $2,202 $2,329
Progressive $2,363 $2,402
State Farm $1,967 $1,967
USAA $1,696 $1,679

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

Annual Katy, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,272 $6,682 $6,974 $4,272
American Family $6,006 $7,766 $6,773 $6,006
GEICO $3,083 $4,108 $3,389 $3,974
Nationwide $3,471 $3,471 $5,150 $3,922
Progressive $4,390 $5,707 $5,133 $4,941
State Farm $2,811 $3,236 $3,839 $2,811
USAA $2,070 $3,071 $3,628 $2,377

Cheap Katy, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Katy, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,974
American Family $6,773
GEICO $3,389
Nationwide $5,150
Progressive $5,133
State Farm $3,839
USAA $3,628

Cheap Katy, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Katy, Texas

Insurance Company Poor Fair Good
Allstate $7,047 $5,170 $4,432
American Family $8,934 $5,867 $5,112
GEICO $5,629 $3,176 $2,110
Nationwide $4,800 $3,859 $3,351
Progressive $5,668 $4,909 $4,552
State Farm $4,491 $2,799 $2,233
USAA $4,082 $2,369 $1,909

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Cheap Katy, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Katy, Texas

ZIP Code Average Annual Rates
77449 $6,799
77450 $6,185
77493 $6,414
77494 $6,031

Cheap Katy, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Katy, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,410 $5,689
American Family $6,638 $6,638
GEICO $3,572 $3,705
Nationwide $4,003 $4,003
Progressive $5,043 $5,043
State Farm $3,174 $3,174
USAA $2,751 $2,822

Cheap Katy, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Katy, Texas

Insurance Company Low Medium High
Allstate $5,404 $5,495 $5,751
American Family $6,084 $6,337 $7,492
GEICO $3,420 $3,588 $3,908
Nationwide $4,300 $3,834 $3,876
Progressive $4,790 $5,020 $5,318
State Farm $2,995 $3,164 $3,364
USAA $2,683 $2,774 $2,903

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Best By Category: Cheapest Auto Insurance in Katy, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Katy, Texas

Insurance Company Average Annual Rates
Allstate $5,550
American Family $6,638
GEICO $3,639
Nationwide $4,003
Progressive $5,043
State Farm $3,174
USAA $2,787

What affects auto insurance rates in Katy, Texas?

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

Katy Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Katy, Texas auto theft statistics, there have been 29 auto thefts in the city.

Katy Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Katy, Texas commute length is 31.4 minutes according to City-Data.

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Compare Katy, Texas Auto Insurance Quotes

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