Best Cheap Auto Insurance in La Joya, TX (2021)

The average La Joya, TX auto insurance rates are $373 per month. The minimum auto insurance in La Joya is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in La Joya, 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 most expensive auto insurance company in La Joya for teen drivers is Allstate
  • The cheapest auto insurance company in La Joya is State Farm
  • The average commute length in La Joya is 20.8 minutes

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

Compare auto insurance in La Joya to other Texas cities, including Plano auto insurance rates, Dallas auto insurance rates, and Arlington auto insurance rates to see how La Joya, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in La Joya, Texas

La Joya, 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 La Joya, Texas.

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

Auto insurance rates in La Joya, 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 La Joya, 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 $4,209 $4,268 $4,161 $4,161 $10,570 $12,825 $5,200 $5,449
American Family $3,069 $3,416 $2,812 $3,225 $7,847 $10,216 $4,365 $4,952
GEICO $2,486 $2,706 $2,454 $2,850 $5,325 $5,417 $2,669 $2,586
Nationwide $3,473 $3,548 $3,055 $3,258 $9,516 $12,342 $4,048 $4,406
Progressive $2,791 $2,650 $2,451 $2,516 $10,933 $12,164 $3,280 $3,305
State Farm $2,175 $2,175 $1,926 $1,926 $5,073 $6,432 $2,355 $2,420
USAA $2,052 $2,085 $1,968 $1,984 $5,562 $6,095 $2,755 $2,987

Cheap La Joya, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in La Joya, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,570 $12,825
American Family $7,847 $10,216
GEICO $5,325 $5,417
Nationwide $9,516 $12,342
Progressive $10,933 $12,164
State Farm $5,073 $6,432
USAA $5,562 $6,095

Cheap La Joya, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in La Joya, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,161 $4,161
American Family $2,812 $3,225
GEICO $2,454 $2,850
Nationwide $3,055 $3,258
Progressive $2,451 $2,516
State Farm $1,926 $1,926
USAA $1,968 $1,984

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

Annual La Joya, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,035 $7,550 $7,803 $5,035
American Family $4,565 $5,755 $5,066 $4,565
GEICO $2,810 $3,695 $3,097 $3,646
Nationwide $4,708 $4,708 $7,064 $5,344
Progressive $4,370 $5,610 $5,130 $4,935
State Farm $2,730 $3,116 $3,664 $2,730
USAA $2,379 $3,515 $4,114 $2,735

Cheap La Joya, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in La Joya, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,803
American Family $5,066
GEICO $3,097
Nationwide $7,064
Progressive $5,130
State Farm $3,664
USAA $4,114

Cheap La Joya, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in La Joya, Texas

Insurance Company Poor Fair Good
Allstate $8,119 $5,906 $5,042
American Family $6,849 $4,337 $3,777
GEICO $5,113 $2,894 $1,929
Nationwide $6,602 $5,228 $4,537
Progressive $5,704 $4,857 $4,473
State Farm $4,340 $2,696 $2,145
USAA $4,666 $2,708 $2,184

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Cheap La Joya, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in La Joya, Texas

ZIP Code Average Annual Rates
78560 $6,546

Cheap La Joya, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in La Joya, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,206 $6,505
American Family $4,988 $4,988
GEICO $3,242 $3,381
Nationwide $5,456 $5,456
Progressive $5,011 $5,011
State Farm $3,060 $3,060
USAA $3,144 $3,228

Cheap La Joya, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in La Joya, Texas

Insurance Company Low Medium High
Allstate $6,202 $6,298 $6,566
American Family $4,583 $4,766 $5,613
GEICO $3,038 $3,226 $3,671
Nationwide $5,806 $5,206 $5,356
Progressive $4,694 $4,978 $5,362
State Farm $2,870 $3,037 $3,273
USAA $3,048 $3,166 $3,344

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Best By Category: Cheapest Auto Insurance in La Joya, Texas

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

Best Annual Auto Insurance Rates by Company in La Joya, Texas

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

The Cheapest La Joya, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in La Joya, Texas

Insurance Company Average Annual Rates
Allstate $6,355
American Family $4,988
GEICO $3,312
Nationwide $5,456
Progressive $5,011
State Farm $3,060
USAA $3,186

What affects auto insurance rates in La Joya, Texas?

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

La Joya Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual La Joya, Texas auto theft statistics, there have been 0 auto thefts in the city.

La Joya Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average La Joya, Texas commute length is 20.8 minutes according to City-Data.

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Compare La Joya, Texas Auto Insurance Quotes

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