Best Cheap Auto Insurance in Little Elm, TX (2021)

The average Little Elm, TX auto insurance rates are $323 per month. The minimum auto insurance in Little Elm is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Little Elm, 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 cheapest auto insurance company in Little Elm is USAA
  • The minimum auto insurance required in Little Elm, Texas is 30/60/25
  • Average auto insurance rates in Little Elm, TX for senior drivers are $2,355 per year

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

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

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

Minimum Auto Insurance in Little Elm, Texas

Little Elm, 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 Little Elm, Texas.

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

Auto insurance rates in Little Elm, 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 Little Elm, 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 $3,459 $3,476 $3,411 $3,411 $9,347 $11,244 $4,271 $4,429
American Family $2,863 $3,208 $2,712 $3,127 $7,906 $10,279 $4,178 $4,755
GEICO $2,643 $2,861 $2,556 $2,912 $5,925 $6,127 $2,867 $2,856
Nationwide $2,183 $2,214 $1,931 $2,040 $6,258 $8,015 $2,572 $2,779
Progressive $2,187 $2,095 $1,953 $1,987 $9,199 $10,276 $2,609 $2,667
State Farm $2,086 $2,086 $1,866 $1,866 $5,150 $6,589 $2,279 $2,344
USAA $1,677 $1,674 $1,610 $1,582 $4,887 $5,283 $2,234 $2,367

Cheap Little Elm, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Little Elm, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,347 $11,244
American Family $7,906 $10,279
GEICO $5,925 $6,127
Nationwide $6,258 $8,015
Progressive $9,199 $10,276
State Farm $5,150 $6,589
USAA $4,887 $5,283

Cheap Little Elm, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Little Elm, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,411 $3,411
American Family $2,712 $3,127
GEICO $2,556 $2,912
Nationwide $1,931 $2,040
Progressive $1,953 $1,987
State Farm $1,866 $1,866
USAA $1,610 $1,582

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

Annual Little Elm, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,125 $6,489 $6,784 $4,125
American Family $4,418 $5,705 $4,974 $4,418
GEICO $3,045 $4,056 $3,354 $3,919
Nationwide $3,038 $3,038 $4,491 $3,428
Progressive $3,598 $4,643 $4,193 $4,051
State Farm $2,679 $3,094 $3,682 $2,679
USAA $1,973 $2,937 $3,482 $2,265

Cheap Little Elm, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Little Elm, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,784
American Family $4,974
GEICO $3,354
Nationwide $4,491
Progressive $4,193
State Farm $3,682
USAA $3,482

Cheap Little Elm, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Little Elm, Texas

Insurance Company Poor Fair Good
Allstate $6,826 $5,016 $4,302
American Family $6,641 $4,283 $3,712
GEICO $5,558 $3,137 $2,085
Nationwide $4,184 $3,376 $2,937
Progressive $4,630 $4,012 $3,723
State Farm $4,294 $2,674 $2,132
USAA $3,893 $2,269 $1,830

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Cheap Little Elm, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Little Elm, Texas

ZIP Code Average Annual Rates
75068 $5,673

Cheap Little Elm, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Little Elm, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,245 $5,517
American Family $4,879 $4,879
GEICO $3,530 $3,657
Nationwide $3,499 $3,499
Progressive $4,121 $4,121
State Farm $3,033 $3,033
USAA $2,631 $2,698

Cheap Little Elm, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Little Elm, Texas

Insurance Company Low Medium High
Allstate $5,254 $5,333 $5,556
American Family $4,535 $4,685 $5,416
GEICO $3,408 $3,558 $3,815
Nationwide $3,766 $3,354 $3,377
Progressive $3,962 $4,108 $4,295
State Farm $2,866 $3,027 $3,208
USAA $2,566 $2,653 $2,774

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Best By Category: Cheapest Auto Insurance in Little Elm, Texas

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

Best Annual Auto Insurance Rates by Company in Little Elm, 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 Little Elm, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Little Elm, Texas

Insurance Company Average Annual Rates
Allstate $5,381
American Family $4,879
GEICO $3,593
Nationwide $3,499
Progressive $4,121
State Farm $3,033
USAA $2,664

What affects auto insurance rates in Little Elm, Texas?

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

Little Elm Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Little Elm, Texas auto theft statistics, there have been 20 auto thefts in the city.

Little Elm Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Little Elm, Texas commute length is 36.4 minutes according to City-Data.

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Compare Little Elm, Texas Auto Insurance Quotes

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