Best Cheap Auto Insurance in Stephenville, TX (2021)

The average Stephenville, TX auto insurance rates are $291 per month. The minimum auto insurance in Stephenville is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Stephenville, 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

  • Average auto insurance rates in Stephenville, TX for senior drivers are $2,128 per year
  • The cheapest auto insurance company in Stephenville is USAA
  • The most expensive auto insurance company in Stephenville for teen drivers is Progressive

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

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

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

Minimum Auto Insurance in Stephenville, Texas

Stephenville, 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 Stephenville, Texas.

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

Auto insurance rates in Stephenville, 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 Stephenville, 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 $3,290 $3,320 $3,248 $3,248 $8,656 $10,447 $4,065 $4,238
American Family $2,348 $2,604 $2,184 $2,491 $6,048 $7,910 $3,333 $3,791
GEICO $2,129 $2,279 $2,026 $2,269 $4,569 $4,752 $2,301 $2,310
Nationwide $2,407 $2,452 $2,122 $2,252 $6,818 $8,775 $2,825 $3,061
Progressive $2,230 $2,126 $1,977 $2,020 $9,052 $10,093 $2,638 $2,684
State Farm $1,829 $1,829 $1,624 $1,624 $4,307 $5,479 $1,983 $2,049
USAA $1,425 $1,441 $1,355 $1,354 $3,881 $4,251 $1,896 $2,050

Cheap Stephenville, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Stephenville, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,656 $10,447
American Family $6,048 $7,910
GEICO $4,569 $4,752
Nationwide $6,818 $8,775
Progressive $9,052 $10,093
State Farm $4,307 $5,479
USAA $3,881 $4,251

Cheap Stephenville, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Stephenville, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,248 $3,248
American Family $2,184 $2,491
GEICO $2,026 $2,269
Nationwide $2,122 $2,252
Progressive $1,977 $2,020
State Farm $1,624 $1,624
USAA $1,355 $1,354

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

Annual Stephenville, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,941 $6,053 $6,322 $3,941
American Family $3,506 $4,440 $3,902 $3,506
GEICO $2,405 $3,151 $2,667 $3,095
Nationwide $3,325 $3,325 $4,945 $3,761
Progressive $3,584 $4,606 $4,186 $4,035
State Farm $2,310 $2,639 $3,103 $2,310
USAA $1,655 $2,422 $2,849 $1,899

Cheap Stephenville, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Stephenville, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,322
American Family $3,902
GEICO $2,667
Nationwide $4,945
Progressive $4,186
State Farm $3,103
USAA $2,849

Cheap Stephenville, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Stephenville, Texas

Insurance Company Poor Fair Good
Allstate $6,434 $4,719 $4,039
American Family $5,291 $3,321 $2,903
GEICO $4,351 $2,476 $1,661
Nationwide $4,611 $3,696 $3,211
Progressive $4,634 $3,986 $3,687
State Farm $3,669 $2,283 $1,819
USAA $3,258 $1,865 $1,496

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Cheap Stephenville, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Stephenville, Texas

ZIP Code Average Annual Rates
76401 $5,077
76402 $5,255

Cheap Stephenville, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Stephenville, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,945 $5,183
American Family $3,839 $3,839
GEICO $2,776 $2,883
Nationwide $3,839 $3,839
Progressive $4,103 $4,103
State Farm $2,590 $2,590
USAA $2,178 $2,234

Cheap Stephenville, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Stephenville, Texas

Insurance Company Low Medium High
Allstate $4,946 $5,020 $5,226
American Family $3,583 $3,703 $4,230
GEICO $2,699 $2,802 $2,987
Nationwide $4,158 $3,673 $3,687
Progressive $3,916 $4,083 $4,310
State Farm $2,469 $2,584 $2,718
USAA $2,141 $2,199 $2,279

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Best By Category: Cheapest Auto Insurance in Stephenville, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Stephenville, Texas

Insurance Company Average Annual Rates
Allstate $5,064
American Family $3,839
GEICO $2,829
Nationwide $3,839
Progressive $4,103
State Farm $2,591
USAA $2,206

What affects auto insurance rates in Stephenville, Texas?

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

Stephenville Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Stephenville, Texas auto theft statistics, there have been 24 auto thefts in the city.

Stephenville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Stephenville, Texas commute length is 14.6 minutes according to City-Data.

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Compare Stephenville, Texas Auto Insurance Quotes

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