Best Cheap Auto Insurance in Point, TX (2021)

The average Point, TX auto insurance rates are $307 per month. The minimum auto insurance in Point is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Point, 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

  • Average auto insurance rates in Point, TX for senior drivers are $2,220 per year
  • The cheapest auto insurance company in Point is USAA
  • The most expensive auto insurance company in Point for teen drivers is Progressive

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

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

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

Minimum Auto Insurance in Point, Texas

Point, 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 Point, Texas.

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

Auto insurance rates in Point, 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 Point, 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 $3,454 $3,479 $3,409 $3,409 $9,241 $11,137 $4,270 $4,440
American Family $2,301 $2,548 $2,132 $2,427 $5,851 $7,659 $3,250 $3,697
GEICO $2,259 $2,414 $2,155 $2,403 $4,770 $4,974 $2,433 $2,441
Nationwide $2,209 $2,247 $1,953 $2,067 $6,263 $8,036 $2,594 $2,806
Progressive $2,611 $2,479 $2,328 $2,369 $11,196 $12,503 $3,104 $3,154
State Farm $1,923 $1,923 $1,710 $1,710 $4,585 $5,841 $2,089 $2,156
USAA $1,578 $1,589 $1,505 $1,496 $4,431 $4,832 $2,107 $2,263

Cheap Point, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Point, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,241 $11,137
American Family $5,851 $7,659
GEICO $4,770 $4,974
Nationwide $6,263 $8,036
Progressive $11,196 $12,503
State Farm $4,585 $5,841
USAA $4,431 $4,832

Cheap Point, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Point, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,409 $3,409
American Family $2,132 $2,427
GEICO $2,155 $2,403
Nationwide $1,953 $2,067
Progressive $2,328 $2,369
State Farm $1,710 $1,710
USAA $1,505 $1,496

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

Annual Point, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,133 $6,430 $6,722 $4,133
American Family $3,415 $4,311 $3,793 $3,415
GEICO $2,533 $3,308 $2,816 $3,267
Nationwide $3,057 $3,057 $4,523 $3,451
Progressive $4,326 $5,618 $5,054 $4,873
State Farm $2,439 $2,794 $3,296 $2,439
USAA $1,846 $2,721 $3,214 $2,119

Cheap Point, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Point, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,722
American Family $3,793
GEICO $2,816
Nationwide $4,523
Progressive $5,054
State Farm $3,296
USAA $3,214

Cheap Point, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Point, Texas

Insurance Company Poor Fair Good
Allstate $6,798 $4,990 $4,276
American Family $5,157 $3,222 $2,820
GEICO $4,590 $2,607 $1,746
Nationwide $4,222 $3,394 $2,950
Progressive $5,579 $4,837 $4,488
State Farm $3,884 $2,417 $1,926
USAA $3,642 $2,098 $1,685

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Cheap Point, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Point, Texas

ZIP Code Average Annual Rates
75472 $5,534

Cheap Point, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Point, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,225 $5,485
American Family $3,733 $3,733
GEICO $2,923 $3,039
Nationwide $3,522 $3,522
Progressive $4,968 $4,968
State Farm $2,742 $2,742
USAA $2,444 $2,507

Cheap Point, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Point, Texas

Insurance Company Low Medium High
Allstate $5,231 $5,309 $5,524
American Family $3,482 $3,600 $4,117
GEICO $2,840 $2,947 $3,156
Nationwide $3,804 $3,371 $3,390
Progressive $4,740 $4,947 $5,218
State Farm $2,604 $2,733 $2,889
USAA $2,396 $2,466 $2,564

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Best By Category: Cheapest Auto Insurance in Point, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Point, Texas

Insurance Company Average Annual Rates
Allstate $5,355
American Family $3,733
GEICO $2,981
Nationwide $3,522
Progressive $4,968
State Farm $2,742
USAA $2,475

What affects auto insurance rates in Point, Texas?

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

Point Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Point, Texas commute length is 28.8 minutes according to City-Data.

Point Traffic

How does Point, Texas rank for traffic? According to Inrix Point, Texas is the 880th most congested worldwide.

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Compare Point, Texas Auto Insurance Quotes

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

Free Auto Insurance Comparison

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