Best Cheap Auto Insurance in Ponder, TX (2021)

The average Ponder, TX auto insurance rates are $307 per month. The minimum auto insurance in Ponder is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Ponder, 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 cheapest auto insurance company in Ponder is USAA
  • The most expensive auto insurance company in Ponder for teen drivers is Progressive
  • The average commute length in Ponder is 30.9 minutes

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

Compare auto insurance in Ponder to other Texas cities, including Fort Worth auto insurance rates, Corpus Christi auto insurance rates, and Dallas auto insurance rates to see how Ponder, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Ponder, Texas

Ponder, 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 Ponder, Texas.

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

Auto insurance rates in Ponder, 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 Ponder, 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 $3,074 $3,095 $3,031 $3,031 $8,365 $10,083 $3,812 $3,966
American Family $2,697 $3,008 $2,530 $2,904 $7,226 $9,433 $3,889 $4,429
GEICO $2,410 $2,605 $2,324 $2,641 $5,329 $5,534 $2,613 $2,609
Nationwide $1,934 $1,963 $1,713 $1,810 $5,464 $7,000 $2,271 $2,453
Progressive $2,509 $2,405 $2,230 $2,275 $10,443 $11,650 $2,993 $3,052
State Farm $2,006 $2,006 $1,792 $1,792 $4,922 $6,292 $2,189 $2,252
USAA $1,592 $1,589 $1,527 $1,501 $4,602 $4,977 $2,115 $2,242

Cheap Ponder, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ponder, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,365 $10,083
American Family $7,226 $9,433
GEICO $5,329 $5,534
Nationwide $5,464 $7,000
Progressive $10,443 $11,650
State Farm $4,922 $6,292
USAA $4,602 $4,977

Cheap Ponder, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ponder, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,031 $3,031
American Family $2,530 $2,904
GEICO $2,324 $2,641
Nationwide $1,713 $1,810
Progressive $2,230 $2,275
State Farm $1,792 $1,792
USAA $1,527 $1,501

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

Annual Ponder, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,693 $5,778 $6,064 $3,693
American Family $4,106 $5,250 $4,595 $4,106
GEICO $2,765 $3,663 $3,047 $3,557
Nationwide $2,673 $2,673 $3,944 $3,014
Progressive $4,094 $5,283 $4,782 $4,620
State Farm $2,570 $2,964 $3,522 $2,570
USAA $1,868 $2,776 $3,285 $2,144

Cheap Ponder, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ponder, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,064
American Family $4,595
GEICO $3,047
Nationwide $3,944
Progressive $4,782
State Farm $3,522
USAA $3,285

Cheap Ponder, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ponder, Texas

Insurance Company Poor Fair Good
Allstate $6,089 $4,486 $3,847
American Family $6,183 $3,934 $3,427
GEICO $5,028 $2,847 $1,899
Nationwide $3,673 $2,968 $2,588
Progressive $5,289 $4,566 $4,230
State Farm $4,113 $2,563 $2,043
USAA $3,683 $2,143 $1,728

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Cheap Ponder, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ponder, Texas

ZIP Code Average Annual Rates
76259 $5,494

Cheap Ponder, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ponder, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,691 $4,924
American Family $4,515 $4,515
GEICO $3,198 $3,318
Nationwide $3,076 $3,076
Progressive $4,695 $4,695
State Farm $2,906 $2,906
USAA $2,487 $2,550

Cheap Ponder, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ponder, Texas

Insurance Company Low Medium High
Allstate $4,714 $4,772 $4,936
American Family $4,210 $4,352 $4,982
GEICO $3,089 $3,221 $3,464
Nationwide $3,313 $2,949 $2,966
Progressive $4,496 $4,677 $4,911
State Farm $2,747 $2,899 $3,073
USAA $2,427 $2,508 $2,619

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Best By Category: Cheapest Auto Insurance in Ponder, Texas

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

Best Annual Auto Insurance Rates by Company in Ponder, Texas

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

The Cheapest Ponder, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Ponder, Texas

Insurance Company Average Annual Rates
Allstate $4,807
American Family $4,515
GEICO $3,258
Nationwide $3,076
Progressive $4,695
State Farm $2,906
USAA $2,518

What affects auto insurance rates in Ponder, Texas?

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

Ponder Auto Theft

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

Ponder Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ponder, Texas commute length is 30.9 minutes according to City-Data.

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Compare Ponder, Texas Auto Insurance Quotes

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