Best Cheap Auto Insurance in Scotland, TX (2021)

The average Scotland, TX auto insurance rates are $299 per month. The minimum auto insurance in Scotland is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Scotland, 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

  • Average auto insurance rates in Scotland, TX for senior drivers are $2,188 per year
  • The minimum auto insurance required in Scotland, Texas is 30/60/25
  • The cheapest auto insurance company in Scotland is USAA

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

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

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

Minimum Auto Insurance in Scotland, Texas

Scotland, 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 Scotland, Texas.

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

Auto insurance rates in Scotland, 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 Scotland, 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 $3,293 $3,330 $3,253 $3,253 $8,758 $10,608 $4,098 $4,284
American Family $2,854 $3,127 $2,488 $2,809 $6,340 $8,372 $3,871 $4,392
GEICO $2,308 $2,481 $2,207 $2,484 $4,999 $5,211 $2,498 $2,506
Nationwide $2,382 $2,428 $2,101 $2,230 $6,721 $8,657 $2,794 $3,029
Progressive $2,142 $2,045 $1,912 $1,948 $8,959 $9,985 $2,544 $2,590
State Farm $1,835 $1,835 $1,629 $1,629 $4,319 $5,493 $1,990 $2,056
USAA $1,417 $1,430 $1,350 $1,345 $3,911 $4,274 $1,887 $2,033

Cheap Scotland, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Scotland, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,758 $10,608
American Family $6,340 $8,372
GEICO $4,999 $5,211
Nationwide $6,721 $8,657
Progressive $8,959 $9,985
State Farm $4,319 $5,493
USAA $3,911 $4,274

Cheap Scotland, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Scotland, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,253 $3,253
American Family $2,488 $2,809
GEICO $2,207 $2,484
Nationwide $2,101 $2,230
Progressive $1,912 $1,948
State Farm $1,629 $1,629
USAA $1,350 $1,345

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

Annual Scotland, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,973 $6,113 $6,380 $3,973
American Family $3,931 $4,930 $4,335 $3,931
GEICO $2,622 $3,448 $2,902 $3,376
Nationwide $3,284 $3,284 $4,888 $3,715
Progressive $3,508 $4,523 $4,086 $3,947
State Farm $2,318 $2,647 $3,111 $2,318
USAA $1,651 $2,423 $2,856 $1,894

Cheap Scotland, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Scotland, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,380
American Family $4,335
GEICO $2,902
Nationwide $4,888
Progressive $4,086
State Farm $3,111
USAA $2,856

Cheap Scotland, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Scotland, Texas

Insurance Company Poor Fair Good
Allstate $6,498 $4,760 $4,071
American Family $6,051 $3,639 $3,156
GEICO $4,758 $2,699 $1,804
Nationwide $4,554 $3,650 $3,174
Progressive $4,512 $3,909 $3,627
State Farm $3,680 $2,290 $1,825
USAA $3,249 $1,868 $1,500

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Cheap Scotland, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Scotland, Texas

ZIP Code Average Annual Rates
76379 $5,217

Cheap Scotland, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Scotland, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,990 $5,230
American Family $4,282 $4,282
GEICO $3,028 $3,146
Nationwide $3,793 $3,793
Progressive $4,016 $4,016
State Farm $2,598 $2,598
USAA $2,178 $2,234

Cheap Scotland, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Scotland, Texas

Insurance Company Low Medium High
Allstate $5,016 $5,075 $5,238
American Family $4,081 $4,179 $4,585
GEICO $2,937 $3,052 $3,272
Nationwide $4,105 $3,629 $3,645
Progressive $3,853 $4,000 $4,195
State Farm $2,476 $2,592 $2,727
USAA $2,138 $2,198 $2,281

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Best By Category: Cheapest Auto Insurance in Scotland, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Scotland, Texas

Insurance Company Average Annual Rates
Allstate $5,110
American Family $4,282
GEICO $3,087
Nationwide $3,793
Progressive $4,016
State Farm $2,598
USAA $2,206

What affects auto insurance rates in Scotland, Texas?

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

Scotland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Scotland, Texas commute length is 26.0 minutes according to City-Data.

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Compare Scotland, Texas Auto Insurance Quotes

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