Best Cheap Auto Insurance in South Padre Island, TX (2021)

The average South Padre Island, TX auto insurance rates are $338 per month. The minimum auto insurance in South Padre Island is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in South Padre Island, 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 South Padre Island is 15.8 minutes
  • Average auto insurance rates in South Padre Island, TX for senior drivers are $2,491 per year
  • The minimum auto insurance required in South Padre Island, Texas is 30/60/25

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

Compare auto insurance in South Padre Island to other Texas cities, including Laredo auto insurance rates, San Antonio auto insurance rates, and Houston auto insurance rates to see how South Padre Island, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in South Padre Island, Texas

South Padre Island, 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 South Padre Island, Texas.

Minimum Required Auto Insurance Coverage in South Padre Island, 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 South Padre Island, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in South Padre Island, 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 South Padre Island, 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 $3,566 $3,620 $3,523 $3,523 $9,147 $11,121 $4,434 $4,659
American Family $2,847 $3,167 $2,614 $2,995 $7,257 $9,431 $4,041 $4,580
GEICO $2,248 $2,438 $2,221 $2,558 $4,744 $4,834 $2,405 $2,335
Nationwide $3,009 $3,072 $2,646 $2,820 $8,365 $10,839 $3,519 $3,829
Progressive $2,593 $2,488 $2,282 $2,338 $10,136 $11,321 $3,074 $3,125
State Farm $2,061 $2,061 $1,829 $1,829 $4,852 $6,160 $2,235 $2,295
USAA $1,925 $1,961 $1,839 $1,860 $5,126 $5,639 $2,581 $2,813

Cheap South Padre Island, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in South Padre Island, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,147 $11,121
American Family $7,257 $9,431
GEICO $4,744 $4,834
Nationwide $8,365 $10,839
Progressive $10,136 $11,321
State Farm $4,852 $6,160
USAA $5,126 $5,639

Cheap South Padre Island, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in South Padre Island, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,523 $3,523
American Family $2,614 $2,995
GEICO $2,221 $2,558
Nationwide $2,646 $2,820
Progressive $2,282 $2,338
State Farm $1,829 $1,829
USAA $1,839 $1,860

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

Annual South Padre Island, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,304 $6,465 $6,723 $4,304
American Family $4,226 $5,325 $4,689 $4,226
GEICO $2,526 $3,311 $2,786 $3,269
Nationwide $4,108 $4,108 $6,169 $4,663
Progressive $4,075 $5,219 $4,780 $4,604
State Farm $2,596 $2,969 $3,500 $2,596
USAA $2,225 $3,269 $3,821 $2,557

Cheap South Padre Island, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in South Padre Island, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,723
American Family $4,689
GEICO $2,786
Nationwide $6,169
Progressive $4,780
State Farm $3,500
USAA $3,821

Cheap South Padre Island, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in South Padre Island, Texas

Insurance Company Poor Fair Good
Allstate $6,939 $5,074 $4,334
American Family $6,336 $4,017 $3,497
GEICO $4,578 $2,600 $1,741
Nationwide $5,743 $4,570 $3,974
Progressive $5,313 $4,526 $4,170
State Farm $4,131 $2,569 $2,046
USAA $4,366 $2,515 $2,023

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Cheap South Padre Island, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in South Padre Island, Texas

ZIP Code Average Annual Rates
78597 $5,934

Cheap South Padre Island, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in South Padre Island, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,325 $5,574
American Family $4,617 $4,617
GEICO $2,912 $3,034
Nationwide $4,762 $4,762
Progressive $4,670 $4,670
State Farm $2,915 $2,915
USAA $2,929 $3,007

Cheap South Padre Island, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in South Padre Island, Texas

Insurance Company Low Medium High
Allstate $5,356 $5,414 $5,578
American Family $4,244 $4,413 $5,193
GEICO $2,738 $2,901 $3,280
Nationwide $5,091 $4,548 $4,648
Progressive $4,401 $4,646 $4,962
State Farm $2,730 $2,894 $3,122
USAA $2,850 $2,951 $3,103

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Best By Category: Cheapest Auto Insurance in South Padre Island, Texas

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

Best Annual Auto Insurance Rates by Company in South Padre Island, Texas

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

The Cheapest South Padre Island, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in South Padre Island, Texas

Insurance Company Average Annual Rates
Allstate $5,449
American Family $4,617
GEICO $2,973
Nationwide $4,762
Progressive $4,670
State Farm $2,915
USAA $2,968

What affects auto insurance rates in South Padre Island, Texas?

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

South Padre Island Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual South Padre Island, Texas auto theft statistics, there have been 30 auto thefts in the city.

South Padre Island Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average South Padre Island, Texas commute length is 15.8 minutes according to City-Data.

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Compare South Padre Island, Texas Auto Insurance Quotes

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