Best Cheap Auto Insurance in Sebastian, TX (2021)

The average Sebastian, TX auto insurance rates are $334 per month. The minimum auto insurance in Sebastian is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Sebastian, 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 Sebastian, TX for senior drivers are $2,466 per year
  • The minimum auto insurance required in Sebastian, Texas is 30/60/25
  • The cheapest auto insurance company in Sebastian is State Farm

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

Compare auto insurance in Sebastian to other Texas cities, including Austin auto insurance rates, Houston auto insurance rates, and Plano auto insurance rates to see how Sebastian, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Sebastian, Texas

Sebastian, 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 Sebastian, Texas.

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

Auto insurance rates in Sebastian, 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 Sebastian, 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 $3,672 $3,711 $3,625 $3,625 $9,558 $11,564 $4,544 $4,745
American Family $2,957 $3,287 $2,700 $3,092 $7,460 $9,706 $4,185 $4,743
GEICO $2,335 $2,532 $2,304 $2,648 $4,946 $5,066 $2,500 $2,437
Nationwide $3,009 $3,072 $2,646 $2,820 $8,365 $10,839 $3,519 $3,829
Progressive $2,419 $2,309 $2,149 $2,194 $9,798 $10,924 $2,860 $2,890
State Farm $1,792 $1,792 $1,585 $1,585 $4,122 $5,218 $1,937 $1,993
USAA $1,853 $1,877 $1,774 $1,780 $5,099 $5,578 $2,486 $2,688

Cheap Sebastian, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Sebastian, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,558 $11,564
American Family $7,460 $9,706
GEICO $4,946 $5,066
Nationwide $8,365 $10,839
Progressive $9,798 $10,924
State Farm $4,122 $5,218
USAA $5,099 $5,578

Cheap Sebastian, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Sebastian, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,625 $3,625
American Family $2,700 $3,092
GEICO $2,304 $2,648
Nationwide $2,646 $2,820
Progressive $2,149 $2,194
State Farm $1,585 $1,585
USAA $1,774 $1,780

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

Annual Sebastian, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,396 $6,732 $6,998 $4,396
American Family $4,365 $5,495 $4,840 $4,365
GEICO $2,629 $3,453 $2,900 $3,402
Nationwide $4,108 $4,108 $6,169 $4,663
Progressive $3,876 $4,994 $4,532 $4,370
State Farm $2,239 $2,548 $2,985 $2,239
USAA $2,158 $3,187 $3,744 $2,479

Cheap Sebastian, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Sebastian, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,998
American Family $4,840
GEICO $2,900
Nationwide $6,169
Progressive $4,532
State Farm $2,985
USAA $3,744

Cheap Sebastian, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Sebastian, Texas

Insurance Company Poor Fair Good
Allstate $7,166 $5,241 $4,485
American Family $6,554 $4,141 $3,603
GEICO $4,772 $2,707 $1,809
Nationwide $5,743 $4,570 $3,974
Progressive $5,022 $4,316 $3,991
State Farm $3,546 $2,206 $1,757
USAA $4,239 $2,457 $1,980

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Cheap Sebastian, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Sebastian, Texas

ZIP Code Average Annual Rates
78594 $5,890

Cheap Sebastian, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Sebastian, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,493 $5,768
American Family $4,766 $4,766
GEICO $3,033 $3,158
Nationwide $4,762 $4,762
Progressive $4,443 $4,443
State Farm $2,503 $2,503
USAA $2,854 $2,929

Cheap Sebastian, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Sebastian, Texas

Insurance Company Low Medium High
Allstate $5,510 $5,585 $5,797
American Family $4,385 $4,558 $5,356
GEICO $2,861 $3,024 $3,403
Nationwide $5,091 $4,548 $4,648
Progressive $4,171 $4,421 $4,737
State Farm $2,357 $2,487 $2,665
USAA $2,777 $2,875 $3,024

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Best By Category: Cheapest Auto Insurance in Sebastian, Texas

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

Best Annual Auto Insurance Rates by Company in Sebastian, Texas

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

The Cheapest Sebastian, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Sebastian, Texas

Insurance Company Average Annual Rates
Allstate $5,631
American Family $4,766
GEICO $3,096
Nationwide $4,762
Progressive $4,443
State Farm $2,503
USAA $2,892

What affects auto insurance rates in Sebastian, Texas?

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

Sebastian Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sebastian, Texas commute length is 26.4 minutes according to City-Data.

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Compare Sebastian, Texas Auto Insurance Quotes

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