Best Cheap Auto Insurance in Somerset, TX (2021)

The average Somerset, TX auto insurance rates are $323 per month. The minimum auto insurance in Somerset is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Somerset, 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 most expensive auto insurance company in Somerset for teen drivers is Progressive
  • The cheapest auto insurance company in Somerset is USAA
  • The average commute length in Somerset is 25.9 minutes

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

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

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

Minimum Auto Insurance in Somerset, Texas

Somerset, 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 Somerset, Texas.

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

Auto insurance rates in Somerset, 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 Somerset, 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 $3,561 $3,585 $3,513 $3,513 $9,509 $11,459 $4,400 $4,572
American Family $2,792 $3,108 $2,600 $2,978 $7,377 $9,674 $4,008 $4,572
GEICO $2,353 $2,538 $2,267 $2,565 $5,109 $5,332 $2,545 $2,546
Nationwide $2,272 $2,317 $2,005 $2,130 $6,322 $8,150 $2,657 $2,881
Progressive $2,434 $2,320 $2,163 $2,204 $10,073 $11,262 $2,889 $2,940
State Farm $2,186 $2,186 $1,948 $1,948 $5,221 $6,646 $2,376 $2,442
USAA $1,634 $1,640 $1,572 $1,557 $4,611 $4,999 $2,172 $2,314

Cheap Somerset, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Somerset, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,509 $11,459
American Family $7,377 $9,674
GEICO $5,109 $5,332
Nationwide $6,322 $8,150
Progressive $10,073 $11,262
State Farm $5,221 $6,646
USAA $4,611 $4,999

Cheap Somerset, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Somerset, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,513 $3,513
American Family $2,600 $2,978
GEICO $2,267 $2,565
Nationwide $2,005 $2,130
Progressive $2,163 $2,204
State Farm $1,948 $1,948
USAA $1,572 $1,557

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

Annual Somerset, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,252 $6,632 $6,921 $4,252
American Family $4,228 $5,382 $4,717 $4,228
GEICO $2,681 $3,534 $2,960 $3,452
Nationwide $3,111 $3,111 $4,627 $3,519
Progressive $3,955 $5,107 $4,625 $4,455
State Farm $2,771 $3,178 $3,757 $2,771
USAA $1,906 $2,831 $3,325 $2,188

Cheap Somerset, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Somerset, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,921
American Family $4,717
GEICO $2,960
Nationwide $4,627
Progressive $4,625
State Farm $3,757
USAA $3,325

Cheap Somerset, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Somerset, Texas

Insurance Company Poor Fair Good
Allstate $7,002 $5,137 $4,403
American Family $6,381 $4,021 $3,513
GEICO $4,868 $2,759 $1,843
Nationwide $4,313 $3,455 $3,008
Progressive $5,118 $4,409 $4,080
State Farm $4,409 $2,752 $2,197
USAA $3,736 $2,185 $1,766

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Cheap Somerset, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Somerset, Texas

ZIP Code Average Annual Rates
78069 $5,732

Cheap Somerset, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Somerset, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,376 $5,652
American Family $4,639 $4,639
GEICO $3,096 $3,217
Nationwide $3,592 $3,592
Progressive $4,536 $4,536
State Farm $3,119 $3,119
USAA $2,530 $2,595

Cheap Somerset, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Somerset, Texas

Insurance Company Low Medium High
Allstate $5,387 $5,467 $5,689
American Family $4,317 $4,465 $5,133
GEICO $2,991 $3,114 $3,365
Nationwide $3,875 $3,436 $3,465
Progressive $4,311 $4,515 $4,780
State Farm $2,932 $3,102 $3,324
USAA $2,456 $2,549 $2,683

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Best By Category: Cheapest Auto Insurance in Somerset, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Somerset, Texas

Insurance Company Average Annual Rates
Allstate $5,514
American Family $4,639
GEICO $3,157
Nationwide $3,592
Progressive $4,536
State Farm $3,119
USAA $2,562

What affects auto insurance rates in Somerset, Texas?

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

Somerset Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Somerset, Texas auto theft statistics, there have been 2 auto thefts in the city.

Somerset Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Somerset, Texas commute length is 25.9 minutes according to City-Data.

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Compare Somerset, Texas Auto Insurance Quotes

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