Best Cheap Auto Insurance in Spearman, TX (2021)

The average Spearman, TX auto insurance rates are $323 per month. The minimum auto insurance in Spearman is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Spearman, 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 15, 2021

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Things to Remember

  • The cheapest auto insurance company in Spearman is State Farm
  • Average auto insurance rates in Spearman, TX for senior drivers are $2,380 per year
  • The average commute length in Spearman is 16.3 minutes

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

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

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

Minimum Auto Insurance in Spearman, Texas

Spearman, 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 Spearman, Texas.

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

Auto insurance rates in Spearman, 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 Spearman, 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 $3,617 $3,674 $3,576 $3,576 $9,094 $11,053 $4,481 $4,710
American Family $3,596 $3,933 $3,073 $3,467 $7,765 $10,326 $4,847 $5,510
GEICO $2,406 $2,529 $2,193 $2,379 $4,937 $5,209 $2,605 $2,669
Nationwide $2,671 $2,729 $2,351 $2,503 $7,453 $9,632 $3,124 $3,393
Progressive $2,325 $2,240 $2,051 $2,100 $9,248 $10,331 $2,773 $2,845
State Farm $1,710 $1,710 $1,510 $1,510 $3,898 $4,933 $1,845 $1,907
USAA $1,594 $1,639 $1,497 $1,531 $4,047 $4,518 $2,138 $2,373

Cheap Spearman, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Spearman, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,094 $11,053
American Family $7,765 $10,326
GEICO $4,937 $5,209
Nationwide $7,453 $9,632
Progressive $9,248 $10,331
State Farm $3,898 $4,933
USAA $4,047 $4,518

Cheap Spearman, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Spearman, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,576 $3,576
American Family $3,073 $3,467
GEICO $2,193 $2,379
Nationwide $2,351 $2,503
Progressive $2,051 $2,100
State Farm $1,510 $1,510
USAA $1,497 $1,531

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

Annual Spearman, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,354 $6,467 $6,715 $4,354
American Family $4,886 $6,113 $5,374 $4,886
GEICO $2,646 $3,395 $2,988 $3,435
Nationwide $3,658 $3,658 $5,466 $4,145
Progressive $3,704 $4,738 $4,333 $4,182
State Farm $2,134 $2,420 $2,824 $2,134
USAA $1,833 $2,638 $3,094 $2,103

Cheap Spearman, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Spearman, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,715
American Family $5,374
GEICO $2,988
Nationwide $5,466
Progressive $4,333
State Farm $2,824
USAA $3,094

Cheap Spearman, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Spearman, Texas

Insurance Company Poor Fair Good
Allstate $6,978 $5,093 $4,347
American Family $7,562 $4,490 $3,892
GEICO $4,803 $2,724 $1,820
Nationwide $5,100 $4,065 $3,531
Progressive $4,805 $4,114 $3,798
State Farm $3,369 $2,096 $1,669
USAA $3,624 $2,022 $1,606

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Cheap Spearman, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Spearman, Texas

ZIP Code Average Annual Rates
79081 $5,535

Cheap Spearman, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Spearman, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,351 $5,594
American Family $5,315 $5,315
GEICO $3,047 $3,185
Nationwide $4,232 $4,232
Progressive $4,239 $4,239
State Farm $2,378 $2,378
USAA $2,385 $2,449

Cheap Spearman, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Spearman, Texas

Insurance Company Low Medium High
Allstate $5,358 $5,430 $5,630
American Family $5,075 $5,192 $5,677
GEICO $3,022 $3,096 $3,230
Nationwide $4,596 $4,046 $4,054
Progressive $4,082 $4,223 $4,413
State Farm $2,268 $2,371 $2,496
USAA $2,364 $2,412 $2,475

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Best By Category: Cheapest Auto Insurance in Spearman, Texas

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

Best Annual Auto Insurance Rates by Company in Spearman, Texas

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

The Cheapest Spearman, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Spearman, Texas

Insurance Company Average Annual Rates
Allstate $5,473
American Family $5,315
GEICO $3,116
Nationwide $4,232
Progressive $4,239
State Farm $2,378
USAA $2,417

What affects auto insurance rates in Spearman, Texas?

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

Spearman Auto Theft

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

Spearman Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Spearman, Texas commute length is 16.3 minutes according to City-Data.

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Compare Spearman, Texas Auto Insurance Quotes

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