Best Cheap Auto Insurance in Rancho Chico, TX (2021)

The average Rancho Chico, TX auto insurance rates are $319 per month. The minimum auto insurance in Rancho Chico is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Rancho Chico, 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 Rancho Chico is USAA
  • Average auto insurance rates in Rancho Chico, TX for senior drivers are $2,325 per year
  • The most expensive auto insurance company in Rancho Chico for teen drivers is American Family

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

Compare auto insurance in Rancho Chico to other Texas cities, including El Paso auto insurance rates, Houston auto insurance rates, and Austin auto insurance rates to see how Rancho Chico, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Rancho Chico, Texas

Rancho Chico, 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 Rancho Chico, Texas.

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

Auto insurance rates in Rancho Chico, 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 Rancho Chico, 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 $3,273 $3,300 $3,233 $3,233 $8,625 $10,401 $4,041 $4,205
American Family $3,115 $3,507 $2,994 $3,467 $8,992 $11,708 $4,623 $5,278
GEICO $2,198 $2,391 $2,175 $2,507 $4,747 $4,869 $2,361 $2,307
Nationwide $2,798 $2,844 $2,471 $2,616 $7,951 $10,217 $3,291 $3,563
Progressive $2,183 $2,062 $1,956 $1,985 $9,281 $10,372 $2,574 $2,600
State Farm $1,690 $1,690 $1,506 $1,506 $4,044 $5,149 $1,838 $1,890
USAA $1,514 $1,524 $1,455 $1,449 $4,255 $4,627 $2,023 $2,167

Cheap Rancho Chico, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Rancho Chico, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,625 $10,401
American Family $8,992 $11,708
GEICO $4,747 $4,869
Nationwide $7,951 $10,217
Progressive $9,281 $10,372
State Farm $4,044 $5,149
USAA $4,255 $4,627

Cheap Rancho Chico, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Rancho Chico, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,233 $3,233
American Family $2,994 $3,467
GEICO $2,175 $2,507
Nationwide $2,471 $2,616
Progressive $1,956 $1,985
State Farm $1,506 $1,506
USAA $1,455 $1,449

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

Annual Rancho Chico, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,912 $6,039 $6,293 $3,912
American Family $4,938 $6,395 $5,571 $4,938
GEICO $2,502 $3,304 $2,747 $3,223
Nationwide $3,872 $3,872 $5,753 $4,378
Progressive $3,599 $4,671 $4,198 $4,038
State Farm $2,144 $2,460 $2,908 $2,144
USAA $1,770 $2,622 $3,084 $2,031

Cheap Rancho Chico, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Rancho Chico, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,293
American Family $5,571
GEICO $2,747
Nationwide $5,753
Progressive $4,198
State Farm $2,908
USAA $3,084

Cheap Rancho Chico, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Rancho Chico, Texas

Insurance Company Poor Fair Good
Allstate $6,413 $4,690 $4,013
American Family $7,393 $4,808 $4,180
GEICO $4,532 $2,575 $1,725
Nationwide $5,373 $4,301 $3,732
Progressive $4,632 $4,018 $3,729
State Farm $3,414 $2,129 $1,699
USAA $3,460 $2,028 $1,642

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Cheap Rancho Chico, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Rancho Chico, Texas

ZIP Code Average Annual Rates
78387 $5,727

Cheap Rancho Chico, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Rancho Chico, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,919 $5,159
American Family $5,460 $5,460
GEICO $2,888 $3,000
Nationwide $4,469 $4,469
Progressive $4,126 $4,126
State Farm $2,414 $2,414
USAA $2,347 $2,407

Cheap Rancho Chico, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Rancho Chico, Texas

Insurance Company Low Medium High
Allstate $4,908 $4,990 $5,218
American Family $5,028 $5,211 $6,142
GEICO $2,731 $2,883 $3,219
Nationwide $4,767 $4,275 $4,365
Progressive $3,891 $4,106 $4,383
State Farm $2,272 $2,402 $2,568
USAA $2,278 $2,362 $2,490

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Best By Category: Cheapest Auto Insurance in Rancho Chico, Texas

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

Best Annual Auto Insurance Rates by Company in Rancho Chico, Texas

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

The Cheapest Rancho Chico, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Rancho Chico, Texas

Insurance Company Average Annual Rates
Allstate $5,039
American Family $5,460
GEICO $2,944
Nationwide $4,469
Progressive $4,126
State Farm $2,414
USAA $2,377

What affects auto insurance rates in Rancho Chico, Texas?

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

Rancho Chico Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Rancho Chico, Texas commute length is 19.7 minutes according to City-Data.

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Compare Rancho Chico, Texas Auto Insurance Quotes

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