Best Cheap Auto Insurance in Murphy, TX (2021)

The average Murphy, TX auto insurance rates are $323 per month. The minimum auto insurance in Murphy is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Murphy, 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

  • Average auto insurance rates in Murphy, TX for senior drivers are $2,356 per year
  • The minimum auto insurance required in Murphy, Texas is 30/60/25
  • The most expensive auto insurance company in Murphy for teen drivers is Allstate

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

Compare auto insurance in Murphy to other Texas cities, including Corpus Christi auto insurance rates, Dallas auto insurance rates, and San Antonio auto insurance rates to see how Murphy, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Murphy, Texas

Murphy, 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 Murphy, Texas.

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

Auto insurance rates in Murphy, 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 Murphy, 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 $3,476 $3,494 $3,428 $3,428 $9,373 $11,278 $4,292 $4,452
American Family $2,672 $2,984 $2,531 $2,907 $7,332 $9,603 $3,885 $4,437
GEICO $2,736 $2,966 $2,649 $3,029 $6,153 $6,355 $2,969 $2,952
Nationwide $2,218 $2,251 $1,961 $2,073 $6,340 $8,128 $2,611 $2,823
Progressive $2,317 $2,219 $2,065 $2,105 $9,664 $10,777 $2,760 $2,812
State Farm $2,119 $2,119 $1,896 $1,896 $5,251 $6,721 $2,316 $2,380
USAA $1,588 $1,583 $1,526 $1,496 $4,637 $5,006 $2,113 $2,233

Cheap Murphy, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Murphy, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,373 $11,278
American Family $7,332 $9,603
GEICO $6,153 $6,355
Nationwide $6,340 $8,128
Progressive $9,664 $10,777
State Farm $5,251 $6,721
USAA $4,637 $5,006

Cheap Murphy, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Murphy, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,428 $3,428
American Family $2,531 $2,907
GEICO $2,649 $3,029
Nationwide $1,961 $2,073
Progressive $2,065 $2,105
State Farm $1,896 $1,896
USAA $1,526 $1,496

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

Annual Murphy, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,146 $6,512 $6,806 $4,146
American Family $4,126 $5,296 $4,628 $4,126
GEICO $3,156 $4,207 $3,475 $4,066
Nationwide $3,081 $3,081 $4,561 $3,479
Progressive $3,787 $4,885 $4,418 $4,269
State Farm $2,724 $3,149 $3,752 $2,724
USAA $1,868 $2,780 $3,299 $2,144

Cheap Murphy, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Murphy, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,806
American Family $4,628
GEICO $3,475
Nationwide $4,561
Progressive $4,418
State Farm $3,752
USAA $3,299

Cheap Murphy, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Murphy, Texas

Insurance Company Poor Fair Good
Allstate $6,854 $5,035 $4,318
American Family $6,219 $3,958 $3,455
GEICO $5,768 $3,252 $2,159
Nationwide $4,248 $3,424 $2,979
Progressive $4,882 $4,222 $3,915
State Farm $4,370 $2,722 $2,170
USAA $3,684 $2,149 $1,734

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Cheap Murphy, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Murphy, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,266 $5,539
American Family $4,544 $4,544
GEICO $3,660 $3,793
Nationwide $3,551 $3,551
Progressive $4,340 $4,340
State Farm $3,087 $3,087
USAA $2,491 $2,554

Cheap Murphy, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Murphy, Texas

Insurance Company Low Medium High
Allstate $5,276 $5,355 $5,577
American Family $4,244 $4,384 $5,004
GEICO $3,524 $3,685 $3,970
Nationwide $3,821 $3,403 $3,428
Progressive $4,155 $4,324 $4,540
State Farm $2,913 $3,080 $3,268
USAA $2,431 $2,512 $2,625

Best By Category: Cheapest Auto Insurance in Murphy, Texas

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

Best Annual Auto Insurance Rates by Company in Murphy, Texas

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

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The Cheapest Murphy, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Murphy, Texas

Insurance Company Average Annual Rates
Allstate $5,403
American Family $4,544
GEICO $3,726
Nationwide $3,551
Progressive $4,340
State Farm $3,087
USAA $2,523

What affects auto insurance rates in Murphy, Texas?

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

Murphy Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Murphy, Texas auto theft statistics, there have been 5 auto thefts in the city.

Murphy Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Murphy, Texas commute length is 33.0 minutes according to City-Data.

Compare Murphy, Texas Auto Insurance Quotes

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