Best Cheap Auto Insurance in Kerens, TX (2021)

The average Kerens, TX auto insurance rates are $294 per month. The minimum auto insurance in Kerens is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Kerens, 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 minimum auto insurance required in Kerens, Texas is 30/60/25
  • The average commute length in Kerens is 28.0 minutes
  • The cheapest auto insurance company in Kerens is USAA

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

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

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

Minimum Auto Insurance in Kerens, Texas

Kerens, 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 Kerens, Texas.

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

Auto insurance rates in Kerens, 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 Kerens, 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 $3,585 $3,619 $3,540 $3,540 $9,449 $11,414 $4,436 $4,626
American Family $2,273 $2,515 $2,102 $2,392 $5,745 $7,519 $3,203 $3,642
GEICO $2,058 $2,199 $1,955 $2,178 $4,365 $4,568 $2,222 $2,240
Nationwide $2,061 $2,097 $1,823 $1,930 $5,791 $7,432 $2,415 $2,611
Progressive $2,422 $2,299 $2,164 $2,200 $10,357 $11,566 $2,875 $2,919
State Farm $1,880 $1,880 $1,670 $1,670 $4,451 $5,664 $2,041 $2,107
USAA $1,425 $1,438 $1,358 $1,353 $3,939 $4,303 $1,898 $2,045

Cheap Kerens, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Kerens, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,449 $11,414
American Family $5,745 $7,519
GEICO $4,365 $4,568
Nationwide $5,791 $7,432
Progressive $10,357 $11,566
State Farm $4,451 $5,664
USAA $3,939 $4,303

Cheap Kerens, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Kerens, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,540 $3,540
American Family $2,102 $2,392
GEICO $1,955 $2,178
Nationwide $1,823 $1,930
Progressive $2,164 $2,200
State Farm $1,670 $1,670
USAA $1,358 $1,353

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

Annual Kerens, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,296 $6,614 $6,898 $4,296
American Family $3,363 $4,239 $3,732 $3,363
GEICO $2,317 $3,025 $2,571 $2,980
Nationwide $2,840 $2,840 $4,197 $3,204
Progressive $4,009 $5,202 $4,679 $4,511
State Farm $2,379 $2,721 $3,203 $2,379
USAA $1,661 $2,438 $2,875 $1,905

Cheap Kerens, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Kerens, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,898
American Family $3,732
GEICO $2,571
Nationwide $4,197
Progressive $4,679
State Farm $3,203
USAA $2,875

Cheap Kerens, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Kerens, Texas

Insurance Company Poor Fair Good
Allstate $7,025 $5,147 $4,406
American Family $5,078 $3,169 $2,774
GEICO $4,183 $2,384 $1,603
Nationwide $3,917 $3,151 $2,742
Progressive $5,164 $4,479 $4,157
State Farm $3,783 $2,354 $1,875
USAA $3,269 $1,880 $1,511

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Cheap Kerens, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Kerens, Texas

ZIP Code Average Annual Rates
75144 $5,242

Cheap Kerens, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Kerens, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,394 $5,658
American Family $3,674 $3,674
GEICO $2,671 $2,776
Nationwide $3,270 $3,270
Progressive $4,600 $4,600
State Farm $2,671 $2,671
USAA $2,192 $2,248

Cheap Kerens, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Kerens, Texas

Insurance Company Low Medium High
Allstate $5,403 $5,480 $5,696
American Family $3,427 $3,543 $4,052
GEICO $2,604 $2,696 $2,871
Nationwide $3,539 $3,131 $3,140
Progressive $4,383 $4,580 $4,837
State Farm $2,542 $2,664 $2,806
USAA $2,151 $2,212 $2,296

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Best By Category: Cheapest Auto Insurance in Kerens, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Kerens, Texas

Insurance Company Average Annual Rates
Allstate $5,526
American Family $3,674
GEICO $2,723
Nationwide $3,270
Progressive $4,600
State Farm $2,671
USAA $2,220

What affects auto insurance rates in Kerens, Texas?

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

Kerens Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Kerens, Texas commute length is 28.0 minutes according to City-Data.

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Compare Kerens, Texas Auto Insurance Quotes

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

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