Best Cheap Auto Insurance in Schertz, TX (2021)

The average Schertz, TX auto insurance rates are $298 per month. The minimum auto insurance in Schertz is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Schertz, 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 Schertz is USAA
  • The minimum auto insurance required in Schertz, Texas is 30/60/25
  • Average auto insurance rates in Schertz, TX for senior drivers are $2,182 per year

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

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

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

Minimum Auto Insurance in Schertz, Texas

Schertz, 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 Schertz, Texas.

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

Auto insurance rates in Schertz, 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 Schertz, 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 $3,198 $3,227 $3,155 $3,155 $8,562 $10,345 $3,969 $4,140
American Family $2,493 $2,779 $2,357 $2,702 $6,753 $8,835 $3,604 $4,111
GEICO $2,433 $2,631 $2,360 $2,691 $5,346 $5,519 $2,629 $2,607
Nationwide $2,054 $2,087 $1,820 $1,924 $5,771 $7,395 $2,408 $2,602
Progressive $2,192 $2,088 $1,959 $1,992 $9,216 $10,297 $2,601 $2,645
State Farm $2,110 $2,110 $1,890 $1,890 $5,166 $6,601 $2,302 $2,367
USAA $1,384 $1,383 $1,336 $1,317 $3,945 $4,259 $1,834 $1,942

Cheap Schertz, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Schertz, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,562 $10,345
American Family $6,753 $8,835
GEICO $5,346 $5,519
Nationwide $5,771 $7,395
Progressive $9,216 $10,297
State Farm $5,166 $6,601
USAA $3,945 $4,259

Cheap Schertz, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Schertz, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,155 $3,155
American Family $2,357 $2,702
GEICO $2,360 $2,691
Nationwide $1,820 $1,924
Progressive $1,959 $1,992
State Farm $1,890 $1,890
USAA $1,336 $1,317

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

Annual Schertz, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,847 $5,951 $6,230 $3,847
American Family $3,828 $4,881 $4,279 $3,828
GEICO $2,780 $3,681 $3,065 $3,581
Nationwide $2,831 $2,831 $4,175 $3,192
Progressive $3,599 $4,652 $4,197 $4,046
State Farm $2,701 $3,115 $3,701 $2,701
USAA $1,616 $2,403 $2,827 $1,854

Cheap Schertz, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Schertz, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,230
American Family $4,279
GEICO $3,065
Nationwide $4,175
Progressive $4,197
State Farm $3,701
USAA $2,827

Cheap Schertz, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Schertz, Texas

Insurance Company Poor Fair Good
Allstate $6,303 $4,634 $3,970
American Family $5,758 $3,655 $3,199
GEICO $5,058 $2,863 $1,910
Nationwide $3,899 $3,140 $2,733
Progressive $4,635 $4,014 $3,723
State Farm $4,313 $2,696 $2,154
USAA $3,153 $1,862 $1,511

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Cheap Schertz, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Schertz, Texas

ZIP Code Average Annual Rates
78154 $5,294

Cheap Schertz, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Schertz, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,850 $5,087
American Family $4,204 $4,204
GEICO $3,217 $3,337
Nationwide $3,257 $3,257
Progressive $4,124 $4,124
State Farm $3,054 $3,054
USAA $2,148 $2,202

Cheap Schertz, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Schertz, Texas

Insurance Company Low Medium High
Allstate $4,875 $4,934 $5,097
American Family $3,911 $4,049 $4,653
GEICO $3,089 $3,233 $3,509
Nationwide $3,510 $3,121 $3,141
Progressive $3,929 $4,107 $4,335
State Farm $2,874 $3,041 $3,249
USAA $2,081 $2,163 $2,281

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Best By Category: Cheapest Auto Insurance in Schertz, Texas

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

Best Annual Auto Insurance Rates by Company in Schertz, Texas

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

The Cheapest Schertz, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Schertz, Texas

Insurance Company Average Annual Rates
Allstate $4,969
American Family $4,204
GEICO $3,277
Nationwide $3,257
Progressive $4,124
State Farm $3,054
USAA $2,175

What affects auto insurance rates in Schertz, Texas?

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

Schertz Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Schertz, Texas auto theft statistics, there have been 36 auto thefts in the city.

Schertz Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Schertz, Texas commute length is 28.7 minutes according to City-Data.

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Compare Schertz, Texas Auto Insurance Quotes

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