Best Cheap Auto Insurance in Ratcliff, TX (2021)

The average Ratcliff, TX auto insurance rates are $320 per month. The minimum auto insurance in Ratcliff is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Ratcliff, 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 Ratcliff, Texas is 30/60/25
  • The most expensive auto insurance company in Ratcliff for teen drivers is Progressive
  • The cheapest auto insurance company in Ratcliff is USAA

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

Compare auto insurance in Ratcliff to other Texas cities, including Plano auto insurance rates, Dallas auto insurance rates, and El Paso auto insurance rates to see how Ratcliff, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Ratcliff, Texas

Ratcliff, 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 Ratcliff, Texas.

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

Auto insurance rates in Ratcliff, 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 Ratcliff, 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 $3,277 $3,311 $3,234 $3,234 $8,687 $10,511 $4,068 $4,251
American Family $2,798 $3,127 $2,632 $3,027 $7,580 $9,879 $4,054 $4,614
GEICO $2,309 $2,488 $2,222 $2,511 $5,002 $5,209 $2,496 $2,496
Nationwide $2,366 $2,407 $2,090 $2,213 $6,727 $8,637 $2,781 $3,009
Progressive $2,638 $2,507 $2,333 $2,382 $10,852 $12,131 $3,127 $3,182
State Farm $2,047 $2,047 $1,816 $1,816 $4,819 $6,128 $2,220 $2,292
USAA $1,553 $1,565 $1,481 $1,473 $4,353 $4,751 $2,073 $2,230

Cheap Ratcliff, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ratcliff, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,687 $10,511
American Family $7,580 $9,879
GEICO $5,002 $5,209
Nationwide $6,727 $8,637
Progressive $10,852 $12,131
State Farm $4,819 $6,128
USAA $4,353 $4,751

Cheap Ratcliff, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ratcliff, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,234 $3,234
American Family $2,632 $3,027
GEICO $2,222 $2,511
Nationwide $2,090 $2,213
Progressive $2,333 $2,382
State Farm $1,816 $1,816
USAA $1,481 $1,473

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

Annual Ratcliff, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,945 $6,061 $6,335 $3,945
American Family $4,288 $5,480 $4,799 $4,288
GEICO $2,626 $3,458 $2,901 $3,381
Nationwide $3,278 $3,278 $4,858 $3,702
Progressive $4,265 $5,506 $4,997 $4,808
State Farm $2,584 $2,952 $3,471 $2,584
USAA $1,817 $2,677 $3,159 $2,086

Cheap Ratcliff, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ratcliff, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,335
American Family $4,799
GEICO $2,901
Nationwide $4,858
Progressive $4,997
State Farm $3,471
USAA $3,159

Cheap Ratcliff, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ratcliff, Texas

Insurance Company Poor Fair Good
Allstate $6,439 $4,728 $4,048
American Family $6,437 $4,118 $3,587
GEICO $4,765 $2,703 $1,807
Nationwide $4,535 $3,640 $3,162
Progressive $5,534 $4,754 $4,394
State Farm $4,108 $2,553 $2,033
USAA $3,583 $2,063 $1,658

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Cheap Ratcliff, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ratcliff, Texas

ZIP Code Average Annual Rates
75858 $5,739

Cheap Ratcliff, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ratcliff, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,952 $5,191
American Family $4,714 $4,714
GEICO $3,033 $3,150
Nationwide $3,779 $3,779
Progressive $4,894 $4,894
State Farm $2,898 $2,898
USAA $2,404 $2,465

Cheap Ratcliff, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ratcliff, Texas

Insurance Company Low Medium High
Allstate $4,978 $5,037 $5,200
American Family $4,361 $4,519 $5,261
GEICO $2,930 $3,051 $3,293
Nationwide $4,069 $3,614 $3,653
Progressive $4,657 $4,869 $5,156
State Farm $2,757 $2,889 $3,048
USAA $2,357 $2,425 $2,522

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Best By Category: Cheapest Auto Insurance in Ratcliff, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Ratcliff, Texas

Insurance Company Average Annual Rates
Allstate $5,072
American Family $4,714
GEICO $3,092
Nationwide $3,779
Progressive $4,894
State Farm $2,898
USAA $2,435

Compare Ratcliff, Texas Auto Insurance Quotes

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