Best Cheap Auto Insurance in Kirby, TX (2021)

The average Kirby, TX auto insurance rates are $331 per month. The minimum auto insurance in Kirby is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Kirby, 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 Kirby for teen drivers is Allstate
  • The average commute length in Kirby is 41.4 minutes
  • The cheapest auto insurance company in Kirby is USAA

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

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

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

Minimum Auto Insurance in Kirby, Texas

Kirby, 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 Kirby, Texas.

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

Auto insurance rates in Kirby, 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 Kirby, 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 $3,553 $3,576 $3,505 $3,505 $9,496 $11,441 $4,389 $4,561
American Family $2,965 $3,310 $2,800 $3,216 $8,176 $10,774 $4,321 $4,954
GEICO $2,476 $2,693 $2,420 $2,794 $5,483 $5,618 $2,678 $2,630
Nationwide $2,347 $2,384 $2,076 $2,195 $6,698 $8,588 $2,763 $2,987
Progressive $2,318 $2,200 $2,061 $2,103 $9,554 $10,646 $2,735 $2,766
State Farm $2,121 $2,121 $1,894 $1,894 $5,110 $6,513 $2,309 $2,374
USAA $1,758 $1,762 $1,693 $1,673 $4,992 $5,405 $2,337 $2,485

Cheap Kirby, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Kirby, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,496 $11,441
American Family $8,176 $10,774
GEICO $5,483 $5,618
Nationwide $6,698 $8,588
Progressive $9,554 $10,646
State Farm $5,110 $6,513
USAA $4,992 $5,405

Cheap Kirby, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Kirby, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,505 $3,505
American Family $2,800 $3,216
GEICO $2,420 $2,794
Nationwide $2,076 $2,195
Progressive $2,061 $2,103
State Farm $1,894 $1,894
USAA $1,693 $1,673

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

Annual Kirby, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,242 $6,620 $6,910 $4,242
American Family $4,624 $5,860 $5,150 $4,624
GEICO $2,840 $3,768 $3,123 $3,665
Nationwide $3,259 $3,259 $4,823 $3,679
Progressive $3,750 $4,840 $4,380 $4,221
State Farm $2,698 $3,101 $3,671 $2,698
USAA $2,052 $3,054 $3,590 $2,356

Cheap Kirby, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Kirby, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,910
American Family $5,150
GEICO $3,123
Nationwide $4,823
Progressive $4,380
State Farm $3,671
USAA $3,590

Cheap Kirby, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Kirby, Texas

Insurance Company Poor Fair Good
Allstate $6,988 $5,128 $4,395
American Family $6,942 $4,385 $3,866
GEICO $5,172 $2,926 $1,950
Nationwide $4,500 $3,619 $3,145
Progressive $4,846 $4,179 $3,869
State Farm $4,298 $2,684 $2,144
USAA $4,028 $2,357 $1,905

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Cheap Kirby, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Kirby, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,366 $5,641
American Family $5,064 $5,064
GEICO $3,285 $3,413
Nationwide $3,755 $3,755
Progressive $4,298 $4,298
State Farm $3,042 $3,042
USAA $2,728 $2,798

Cheap Kirby, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Kirby, Texas

Insurance Company Low Medium High
Allstate $5,376 $5,456 $5,678
American Family $4,680 $4,869 $5,644
GEICO $3,125 $3,291 $3,631
Nationwide $4,027 $3,595 $3,643
Progressive $4,068 $4,276 $4,550
State Farm $2,859 $3,024 $3,243
USAA $2,646 $2,748 $2,895

Best By Category: Cheapest Auto Insurance in Kirby, Texas

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

Best Annual Auto Insurance Rates by Company in Kirby, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

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The Cheapest Kirby, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Kirby, Texas

Insurance Company Average Annual Rates
Allstate $5,503
American Family $5,064
GEICO $3,349
Nationwide $3,755
Progressive $4,298
State Farm $3,042
USAA $2,763

What affects auto insurance rates in Kirby, Texas?

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

Kirby Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Kirby, Texas auto theft statistics, there have been 35 auto thefts in the city.

Kirby Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Kirby, Texas commute length is 41.4 minutes according to City-Data.

Compare Kirby, Texas Auto Insurance Quotes

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