Best Cheap Auto Insurance in Melissa, TX (2021)

The average Melissa, TX auto insurance rates are $331 per month. The minimum auto insurance in Melissa is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Melissa, 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: Jul 17, 2021

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Things to Remember

  • The average commute length in Melissa is 30.4 minutes
  • The most expensive auto insurance company in Melissa for teen drivers is Progressive
  • The cheapest auto insurance company in Melissa is USAA

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

Compare auto insurance in Melissa to other Texas cities, including Arlington auto insurance rates, Laredo auto insurance rates, and Houston auto insurance rates to see how Melissa, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Melissa, Texas

Melissa, 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 Melissa, Texas.

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

Auto insurance rates in Melissa, 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 Melissa, 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 $2,710 $3,033 $2,571 $2,960 $7,472 $9,730 $3,949 $4,497
GEICO $2,571 $2,786 $2,487 $2,831 $5,736 $5,990 $2,792 $2,796
Nationwide $2,304 $2,341 $2,035 $2,152 $6,671 $8,551 $2,720 $2,941
Progressive $2,537 $2,422 $2,264 $2,301 $10,871 $12,174 $3,031 $3,096
State Farm $2,199 $2,199 $1,966 $1,966 $5,440 $6,963 $2,403 $2,472
USAA $1,609 $1,609 $1,541 $1,518 $4,641 $5,029 $2,143 $2,279

Cheap Melissa, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Melissa, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,347 $11,244
American Family $7,472 $9,730
GEICO $5,736 $5,990
Nationwide $6,671 $8,551
Progressive $10,871 $12,174
State Farm $5,440 $6,963
USAA $4,641 $5,029

Cheap Melissa, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Melissa, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,411 $3,411
American Family $2,571 $2,960
GEICO $2,487 $2,831
Nationwide $2,035 $2,152
Progressive $2,264 $2,301
State Farm $1,966 $1,966
USAA $1,541 $1,518

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

Annual Melissa, 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 $4,187 $5,384 $4,703 $4,187
GEICO $2,968 $3,947 $3,264 $3,816
Nationwide $3,222 $3,222 $4,775 $3,639
Progressive $4,213 $5,466 $4,923 $4,746
State Farm $2,826 $3,265 $3,887 $2,826
USAA $1,890 $2,804 $3,321 $2,169

Cheap Melissa, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Melissa, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,784
American Family $4,703
GEICO $3,264
Nationwide $4,775
Progressive $4,923
State Farm $3,887
USAA $3,321

Cheap Melissa, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Melissa, Texas

Insurance Company Poor Fair Good
Allstate $6,826 $5,016 $4,302
American Family $6,289 $4,042 $3,515
GEICO $5,408 $3,055 $2,033
Nationwide $4,448 $3,583 $3,112
Progressive $5,433 $4,709 $4,368
State Farm $4,532 $2,822 $2,249
USAA $3,729 $2,165 $1,744

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Cheap Melissa, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Melissa, Texas

ZIP Code Average Annual Rates
75454 $5,927

Cheap Melissa, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Melissa, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,245 $5,517
American Family $4,615 $4,615
GEICO $3,435 $3,562
Nationwide $3,714 $3,714
Progressive $4,837 $4,837
State Farm $3,201 $3,201
USAA $2,514 $2,578

Cheap Melissa, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Melissa, Texas

Insurance Company Low Medium High
Allstate $5,254 $5,333 $5,556
American Family $4,285 $4,432 $5,129
GEICO $3,320 $3,457 $3,718
Nationwide $4,014 $3,556 $3,573
Progressive $4,628 $4,820 $5,063
State Farm $3,027 $3,194 $3,382
USAA $2,458 $2,536 $2,645

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Best By Category: Cheapest Auto Insurance in Melissa, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Melissa, Texas

Insurance Company Average Annual Rates
Allstate $5,381
American Family $4,615
GEICO $3,499
Nationwide $3,714
Progressive $4,837
State Farm $3,201
USAA $2,546

What affects auto insurance rates in Melissa, Texas?

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

Melissa Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Melissa, Texas auto theft statistics, there have been 1 auto thefts in the city.

Melissa Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Melissa, Texas commute length is 30.4 minutes according to City-Data.

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Compare Melissa, Texas Auto Insurance Quotes

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