Best Cheap Auto Insurance in Palmer, TX (2021)

The average Palmer, TX auto insurance rates are $316 per month. The minimum auto insurance in Palmer is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Palmer, 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 average commute length in Palmer is 29.5 minutes
  • The most expensive auto insurance company in Palmer for teen drivers is Allstate
  • The minimum auto insurance required in Palmer, Texas is 30/60/25

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

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

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

Minimum Auto Insurance in Palmer, Texas

Palmer, 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 Palmer, Texas.

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

Auto insurance rates in Palmer, 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 Palmer, 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 $3,899 $3,929 $3,848 $3,848 $10,273 $12,391 $4,813 $5,007
American Family $2,282 $2,529 $2,125 $2,421 $5,871 $7,684 $3,236 $3,682
GEICO $2,558 $2,767 $2,483 $2,831 $5,642 $5,821 $2,765 $2,741
Nationwide $2,301 $2,338 $2,039 $2,155 $6,436 $8,248 $2,696 $2,912
Progressive $2,312 $2,184 $2,065 $2,101 $9,816 $10,935 $2,727 $2,756
State Farm $2,009 $2,009 $1,793 $1,793 $4,900 $6,260 $2,190 $2,256
USAA $1,561 $1,563 $1,497 $1,478 $4,441 $4,814 $2,072 $2,206

Cheap Palmer, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Palmer, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,273 $12,391
American Family $5,871 $7,684
GEICO $5,642 $5,821
Nationwide $6,436 $8,248
Progressive $9,816 $10,935
State Farm $4,900 $6,260
USAA $4,441 $4,814

Cheap Palmer, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Palmer, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,848 $3,848
American Family $2,125 $2,421
GEICO $2,483 $2,831
Nationwide $2,039 $2,155
Progressive $2,065 $2,101
State Farm $1,793 $1,793
USAA $1,497 $1,478

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

Annual Palmer, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,652 $7,203 $7,498 $4,652
American Family $3,408 $4,310 $3,790 $3,408
GEICO $2,926 $3,881 $3,227 $3,771
Nationwide $3,164 $3,164 $4,665 $3,568
Progressive $3,804 $4,931 $4,437 $4,275
State Farm $2,569 $2,958 $3,509 $2,569
USAA $1,825 $2,707 $3,189 $2,095

Cheap Palmer, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Palmer, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,498
American Family $3,790
GEICO $3,227
Nationwide $4,665
Progressive $4,437
State Farm $3,509
USAA $3,189

Cheap Palmer, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Palmer, Texas

Insurance Company Poor Fair Good
Allstate $7,633 $5,587 $4,783
American Family $5,143 $3,223 $2,821
GEICO $5,333 $3,014 $2,006
Nationwide $4,370 $3,506 $3,046
Progressive $4,898 $4,247 $3,941
State Farm $4,107 $2,558 $2,039
USAA $3,589 $2,089 $1,685

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Cheap Palmer, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Palmer, Texas

ZIP Code Average Annual Rates
75152 $5,553

Cheap Palmer, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Palmer, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,853 $6,149
American Family $3,729 $3,729
GEICO $3,388 $3,514
Nationwide $3,641 $3,641
Progressive $4,362 $4,362
State Farm $2,901 $2,901
USAA $2,423 $2,485

Cheap Palmer, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Palmer, Texas

Insurance Company Low Medium High
Allstate $5,855 $5,946 $6,203
American Family $3,476 $3,594 $4,117
GEICO $3,255 $3,406 $3,692
Nationwide $3,907 $3,487 $3,528
Progressive $4,144 $4,339 $4,602
State Farm $2,744 $2,891 $3,069
USAA $2,363 $2,443 $2,556

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Best By Category: Cheapest Auto Insurance in Palmer, Texas

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

Best Annual Auto Insurance Rates by Company in Palmer, Texas

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

The Cheapest Palmer, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Palmer, Texas

Insurance Company Average Annual Rates
Allstate $6,001
American Family $3,729
GEICO $3,451
Nationwide $3,641
Progressive $4,362
State Farm $2,901
USAA $2,454

What affects auto insurance rates in Palmer, Texas?

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

Palmer Auto Theft

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

Palmer Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Palmer, Texas commute length is 29.5 minutes according to City-Data.

Palmer Traffic

How does Palmer, Texas rank for traffic? According to Inrix Palmer, Texas is the 387th most congested worldwide.

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Compare Palmer, Texas Auto Insurance Quotes

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