Best Cheap Auto Insurance in Shepherd, TX (2021)

The average Shepherd, TX auto insurance rates are $348 per month. The minimum auto insurance in Shepherd is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Shepherd, 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: Jul 16, 2021

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Things to Remember

  • The cheapest auto insurance company in Shepherd is USAA
  • The minimum auto insurance required in Shepherd, Texas is 30/60/25
  • The most expensive auto insurance company in Shepherd for teen drivers is Progressive

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

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

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

Minimum Auto Insurance in Shepherd, Texas

Shepherd, 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 Shepherd, Texas.

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

Auto insurance rates in Shepherd, 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 Shepherd, 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 $3,586 $3,610 $3,540 $3,540 $9,409 $11,327 $4,411 $4,582
American Family $3,253 $3,653 $3,098 $3,581 $9,224 $12,048 $4,798 $5,481
GEICO $2,445 $2,638 $2,356 $2,664 $5,352 $5,589 $2,647 $2,652
Nationwide $2,603 $2,646 $2,296 $2,431 $7,499 $9,632 $3,069 $3,322
Progressive $2,671 $2,527 $2,379 $2,423 $11,331 $12,633 $3,159 $3,190
State Farm $2,072 $2,072 $1,837 $1,837 $4,884 $6,213 $2,247 $2,321
USAA $1,666 $1,682 $1,590 $1,585 $4,639 $5,067 $2,226 $2,399

Cheap Shepherd, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Shepherd, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,409 $11,327
American Family $9,224 $12,048
GEICO $5,352 $5,589
Nationwide $7,499 $9,632
Progressive $11,331 $12,633
State Farm $4,884 $6,213
USAA $4,639 $5,067

Cheap Shepherd, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Shepherd, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,540 $3,540
American Family $3,098 $3,581
GEICO $2,356 $2,664
Nationwide $2,296 $2,431
Progressive $2,379 $2,423
State Farm $1,837 $1,837
USAA $1,590 $1,585

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

Annual Shepherd, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,264 $6,602 $6,873 $4,264
American Family $5,124 $6,573 $5,748 $5,124
GEICO $2,795 $3,695 $3,084 $3,597
Nationwide $3,628 $3,628 $5,392 $4,102
Progressive $4,388 $5,697 $5,129 $4,942
State Farm $2,617 $2,990 $3,517 $2,617
USAA $1,945 $2,867 $3,380 $2,234

Cheap Shepherd, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Shepherd, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,873
American Family $5,748
GEICO $3,084
Nationwide $5,392
Progressive $5,129
State Farm $3,517
USAA $3,380

Cheap Shepherd, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Shepherd, Texas

Insurance Company Poor Fair Good
Allstate $6,996 $5,120 $4,385
American Family $7,665 $4,944 $4,317
GEICO $5,083 $2,877 $1,918
Nationwide $5,027 $4,034 $3,501
Progressive $5,668 $4,904 $4,545
State Farm $4,161 $2,586 $2,059
USAA $3,837 $2,209 $1,774

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Cheap Shepherd, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Shepherd, Texas

ZIP Code Average Annual Rates
77371 $6,255

Cheap Shepherd, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Shepherd, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,365 $5,636
American Family $5,642 $5,642
GEICO $3,232 $3,354
Nationwide $4,187 $4,187
Progressive $5,039 $5,039
State Farm $2,935 $2,935
USAA $2,573 $2,640

Cheap Shepherd, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Shepherd, Texas

Insurance Company Low Medium High
Allstate $5,349 $5,444 $5,708
American Family $5,196 $5,401 $6,330
GEICO $3,128 $3,254 $3,497
Nationwide $4,510 $4,006 $4,046
Progressive $4,766 $5,013 $5,338
State Farm $2,795 $2,926 $3,085
USAA $2,519 $2,596 $2,705

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Best By Category: Cheapest Auto Insurance in Shepherd, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Shepherd, Texas

Insurance Company Average Annual Rates
Allstate $5,501
American Family $5,642
GEICO $3,293
Nationwide $4,187
Progressive $5,039
State Farm $2,935
USAA $2,607

What affects auto insurance rates in Shepherd, Texas?

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

Shepherd Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Shepherd, Texas commute length is 32.4 minutes according to City-Data.

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Compare Shepherd, Texas Auto Insurance Quotes

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