Best Cheap Auto Insurance in Panhandle, TX (2021)

The average Panhandle, TX auto insurance rates are $347 per month. The minimum auto insurance in Panhandle is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Panhandle, 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 minimum auto insurance required in Panhandle, Texas is 30/60/25
  • The average commute length in Panhandle is 24.8 minutes
  • Average auto insurance rates in Panhandle, TX for senior drivers are $2,530 per year

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

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

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

Minimum Auto Insurance in Panhandle, Texas

Panhandle, 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 Panhandle, Texas.

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

Auto insurance rates in Panhandle, 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 Panhandle, 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 $3,617 $3,674 $3,576 $3,576 $9,094 $11,053 $4,481 $4,710
American Family $3,643 $3,991 $3,133 $3,541 $8,021 $10,653 $4,940 $5,619
GEICO $2,711 $2,859 $2,477 $2,701 $5,700 $6,004 $2,944 $3,017
Nationwide $2,818 $2,881 $2,475 $2,640 $7,904 $10,245 $3,300 $3,592
Progressive $2,810 $2,694 $2,485 $2,540 $11,557 $12,908 $3,355 $3,424
State Farm $1,834 $1,834 $1,624 $1,624 $4,253 $5,396 $1,984 $2,050
USAA $1,594 $1,639 $1,497 $1,531 $4,047 $4,518 $2,138 $2,373

Cheap Panhandle, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Panhandle, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,094 $11,053
American Family $8,021 $10,653
GEICO $5,700 $6,004
Nationwide $7,904 $10,245
Progressive $11,557 $12,908
State Farm $4,253 $5,396
USAA $4,047 $4,518

Cheap Panhandle, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Panhandle, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,576 $3,576
American Family $3,133 $3,541
GEICO $2,477 $2,701
Nationwide $2,475 $2,640
Progressive $2,485 $2,540
State Farm $1,624 $1,624
USAA $1,497 $1,531

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

Annual Panhandle, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,354 $6,467 $6,715 $4,354
American Family $4,995 $6,272 $5,508 $4,995
GEICO $3,011 $3,896 $3,392 $3,908
Nationwide $3,865 $3,865 $5,809 $4,388
Progressive $4,549 $5,867 $5,328 $5,142
State Farm $2,303 $2,622 $3,072 $2,303
USAA $1,833 $2,638 $3,094 $2,103

Cheap Panhandle, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Panhandle, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,715
American Family $5,508
GEICO $3,392
Nationwide $5,809
Progressive $5,328
State Farm $3,072
USAA $3,094

Cheap Panhandle, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Panhandle, Texas

Insurance Company Poor Fair Good
Allstate $6,978 $5,093 $4,347
American Family $7,721 $4,612 $3,996
GEICO $5,492 $3,101 $2,062
Nationwide $5,401 $4,304 $3,741
Progressive $5,902 $5,073 $4,690
State Farm $3,649 $2,269 $1,807
USAA $3,624 $2,022 $1,606

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Cheap Panhandle, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Panhandle, Texas

ZIP Code Average Annual Rates
79068 $6,050

Cheap Panhandle, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Panhandle, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,351 $5,594
American Family $5,443 $5,443
GEICO $3,476 $3,627
Nationwide $4,482 $4,482
Progressive $5,222 $5,222
State Farm $2,575 $2,575
USAA $2,385 $2,449

Cheap Panhandle, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Panhandle, Texas

Insurance Company Low Medium High
Allstate $5,358 $5,430 $5,630
American Family $5,195 $5,316 $5,817
GEICO $3,447 $3,535 $3,673
Nationwide $4,876 $4,285 $4,284
Progressive $4,990 $5,201 $5,475
State Farm $2,453 $2,568 $2,704
USAA $2,364 $2,412 $2,475

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Best By Category: Cheapest Auto Insurance in Panhandle, Texas

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

Best Annual Auto Insurance Rates by Company in Panhandle, Texas

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

The Cheapest Panhandle, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Panhandle, Texas

Insurance Company Average Annual Rates
Allstate $5,473
American Family $5,443
GEICO $3,552
Nationwide $4,482
Progressive $5,222
State Farm $2,575
USAA $2,417

What affects auto insurance rates in Panhandle, Texas?

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

Panhandle Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Panhandle, Texas auto theft statistics, there have been 2 auto thefts in the city.

Panhandle Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Panhandle, Texas commute length is 24.8 minutes according to City-Data.

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Compare Panhandle, Texas Auto Insurance Quotes

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