Best Cheap Auto Insurance in Shiner, TX (2021)

The average Shiner, TX auto insurance rates are $303 per month. The minimum auto insurance in Shiner is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Shiner, 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 average commute length in Shiner is 27.3 minutes
  • Average auto insurance rates in Shiner, TX for senior drivers are $2,219 per year
  • The cheapest auto insurance company in Shiner is USAA

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

Compare auto insurance in Shiner to other Texas cities, including Austin auto insurance rates, San Antonio auto insurance rates, and Corpus Christi auto insurance rates to see how Shiner, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Shiner, Texas

Shiner, 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 Shiner, Texas.

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

Auto insurance rates in Shiner, 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 Shiner, 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 $3,303 $3,339 $3,262 $3,262 $8,595 $10,390 $4,084 $4,267
American Family $2,870 $3,195 $2,649 $3,037 $7,423 $9,674 $4,094 $4,650
GEICO $2,200 $2,373 $2,125 $2,415 $4,773 $4,926 $2,376 $2,358
Nationwide $2,264 $2,310 $2,000 $2,124 $6,246 $8,054 $2,642 $2,865
Progressive $2,296 $2,186 $2,043 $2,085 $9,543 $10,629 $2,720 $2,761
State Farm $1,816 $1,816 $1,608 $1,608 $4,211 $5,343 $1,965 $2,030
USAA $1,497 $1,508 $1,428 $1,420 $4,185 $4,565 $1,995 $2,145

Cheap Shiner, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Shiner, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,595 $10,390
American Family $7,423 $9,674
GEICO $4,773 $4,926
Nationwide $6,246 $8,054
Progressive $9,543 $10,629
State Farm $4,211 $5,343
USAA $4,185 $4,565

Cheap Shiner, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Shiner, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,262 $3,262
American Family $2,649 $3,037
GEICO $2,125 $2,415
Nationwide $2,000 $2,124
Progressive $2,043 $2,085
State Farm $1,608 $1,608
USAA $1,428 $1,420

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

Annual Shiner, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,964 $6,029 $6,294 $3,964
American Family $4,281 $5,454 $4,779 $4,281
GEICO $2,500 $3,292 $2,761 $3,220
Nationwide $3,087 $3,087 $4,588 $3,491
Progressive $3,738 $4,823 $4,361 $4,209
State Farm $2,280 $2,596 $3,042 $2,280
USAA $1,749 $2,576 $3,038 $2,007

Cheap Shiner, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Shiner, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,294
American Family $4,779
GEICO $2,761
Nationwide $4,588
Progressive $4,361
State Farm $3,042
USAA $3,038

Cheap Shiner, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Shiner, Texas

Insurance Company Poor Fair Good
Allstate $6,435 $4,717 $4,036
American Family $6,456 $4,090 $3,551
GEICO $4,531 $2,575 $1,725
Nationwide $4,282 $3,426 $2,982
Progressive $4,821 $4,166 $3,861
State Farm $3,613 $2,247 $1,790
USAA $3,443 $1,987 $1,598

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Cheap Shiner, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Shiner, Texas

ZIP Code Average Annual Rates
77984 $5,355

Cheap Shiner, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Shiner, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,946 $5,179
American Family $4,699 $4,699
GEICO $2,888 $2,999
Nationwide $3,563 $3,563
Progressive $4,283 $4,283
State Farm $2,550 $2,550
USAA $2,313 $2,372

Cheap Shiner, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Shiner, Texas

Insurance Company Low Medium High
Allstate $4,948 $5,020 $5,220
American Family $4,365 $4,513 $5,219
GEICO $2,776 $2,903 $3,151
Nationwide $3,847 $3,409 $3,434
Progressive $4,091 $4,263 $4,494
State Farm $2,428 $2,542 $2,680
USAA $2,266 $2,333 $2,428

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Best By Category: Cheapest Auto Insurance in Shiner, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Shiner, Texas

Insurance Company Average Annual Rates
Allstate $5,063
American Family $4,699
GEICO $2,943
Nationwide $3,563
Progressive $4,283
State Farm $2,550
USAA $2,343

What affects auto insurance rates in Shiner, Texas?

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

Shiner Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Shiner, Texas auto theft statistics, there have been 1 auto thefts in the city.

Shiner Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Shiner, Texas commute length is 27.3 minutes according to City-Data.

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Compare Shiner, Texas Auto Insurance Quotes

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