Best Cheap Auto Insurance in Saratoga, TX (2021)

The average Saratoga, TX auto insurance rates are $363 per month. The minimum auto insurance in Saratoga is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Saratoga, 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 Saratoga, Texas is 30/60/25
  • The cheapest auto insurance company in Saratoga is USAA
  • The most expensive auto insurance company in Saratoga for teen drivers is Progressive

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

Compare auto insurance in Saratoga to other Texas cities, including El Paso auto insurance rates, Austin auto insurance rates, and Fort Worth auto insurance rates to see how Saratoga, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Saratoga, Texas

Saratoga, 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 Saratoga, Texas.

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

Auto insurance rates in Saratoga, 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 Saratoga, 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 $3,525 $3,545 $3,479 $3,479 $9,312 $11,198 $4,334 $4,496
American Family $2,854 $3,190 $2,699 $3,104 $7,852 $10,278 $4,157 $4,747
GEICO $2,642 $2,870 $2,571 $2,950 $5,885 $6,098 $2,863 $2,841
Nationwide $2,517 $2,554 $2,223 $2,350 $7,271 $9,326 $2,971 $3,214
Progressive $3,477 $3,247 $3,122 $3,165 $15,630 $17,435 $4,102 $4,090
State Farm $2,215 $2,215 $1,970 $1,970 $5,311 $6,770 $2,409 $2,483
USAA $1,671 $1,677 $1,600 $1,584 $4,764 $5,175 $2,230 $2,382

Cheap Saratoga, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Saratoga, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,312 $11,198
American Family $7,852 $10,278
GEICO $5,885 $6,098
Nationwide $7,271 $9,326
Progressive $15,630 $17,435
State Farm $5,311 $6,770
USAA $4,764 $5,175

Cheap Saratoga, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Saratoga, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,479 $3,479
American Family $2,699 $3,104
GEICO $2,571 $2,950
Nationwide $2,223 $2,350
Progressive $3,122 $3,165
State Farm $1,970 $1,970
USAA $1,600 $1,584

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

Annual Saratoga, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,188 $6,516 $6,792 $4,188
American Family $4,408 $5,673 $4,951 $4,408
GEICO $3,044 $4,048 $3,346 $3,922
Nationwide $3,514 $3,514 $5,214 $3,971
Progressive $5,883 $7,746 $6,883 $6,620
State Farm $2,814 $3,228 $3,814 $2,814
USAA $1,959 $2,903 $3,430 $2,249

Cheap Saratoga, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Saratoga, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,792
American Family $4,951
GEICO $3,346
Nationwide $5,214
Progressive $6,883
State Farm $3,814
USAA $3,430

Cheap Saratoga, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Saratoga, Texas

Insurance Company Poor Fair Good
Allstate $6,890 $5,048 $4,325
American Family $6,647 $4,240 $3,693
GEICO $5,553 $3,134 $2,083
Nationwide $4,858 $3,908 $3,394
Progressive $7,586 $6,615 $6,149
State Farm $4,490 $2,791 $2,222
USAA $3,862 $2,240 $1,804

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Cheap Saratoga, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Saratoga, Texas

ZIP Code Average Annual Rates
77585 $6,746

Cheap Saratoga, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Saratoga, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,286 $5,556
American Family $4,860 $4,860
GEICO $3,523 $3,657
Nationwide $4,053 $4,053
Progressive $6,783 $6,783
State Farm $3,168 $3,168
USAA $2,602 $2,669

Cheap Saratoga, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Saratoga, Texas

Insurance Company Low Medium High
Allstate $5,270 $5,364 $5,629
American Family $4,523 $4,671 $5,386
GEICO $3,378 $3,537 $3,856
Nationwide $4,342 $3,880 $3,937
Progressive $6,305 $6,744 $7,300
State Farm $3,002 $3,156 $3,345
USAA $2,541 $2,624 $2,741

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Best By Category: Cheapest Auto Insurance in Saratoga, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Saratoga, Texas

Insurance Company Average Annual Rates
Allstate $5,421
American Family $4,860
GEICO $3,590
Nationwide $4,053
Progressive $6,783
State Farm $3,168
USAA $2,635

Compare Saratoga, Texas Auto Insurance Quotes

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