Best Cheap Auto Insurance in Utopia, TX (2021)

The average Utopia, TX auto insurance rates are $319 per month. The minimum auto insurance in Utopia is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Utopia, Texas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Utopia for teen drivers is Progressive
  • The cheapest auto insurance company in Utopia is USAA
  • Average auto insurance rates in Utopia, TX for senior drivers are $2,332 per year

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

Compare auto insurance in Utopia to other Texas cities, including Arlington auto insurance rates, Plano auto insurance rates, and Dallas auto insurance rates to see how Utopia, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Utopia, Texas

Utopia, 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 Utopia, Texas.

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

Auto insurance rates in Utopia, 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 Utopia, 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 $3,703 $3,758 $3,661 $3,661 $9,375 $11,385 $4,587 $4,814
American Family $2,647 $2,944 $2,462 $2,818 $6,923 $9,044 $3,784 $4,305
GEICO $2,332 $2,506 $2,244 $2,522 $4,988 $5,211 $2,515 $2,518
Nationwide $2,231 $2,271 $1,977 $2,092 $6,172 $7,920 $2,606 $2,817
Progressive $2,787 $2,639 $2,483 $2,529 $11,710 $13,061 $3,292 $3,309
State Farm $1,940 $1,940 $1,714 $1,714 $4,452 $5,639 $2,096 $2,164
USAA $1,459 $1,470 $1,388 $1,381 $4,046 $4,421 $1,941 $2,090

Cheap Utopia, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Utopia, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,375 $11,385
American Family $6,923 $9,044
GEICO $4,988 $5,211
Nationwide $6,172 $7,920
Progressive $11,710 $13,061
State Farm $4,452 $5,639
USAA $4,046 $4,421

Cheap Utopia, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Utopia, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,661 $3,661
American Family $2,462 $2,818
GEICO $2,244 $2,522
Nationwide $1,977 $2,092
Progressive $2,483 $2,529
State Farm $1,714 $1,714
USAA $1,388 $1,381

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

Annual Utopia, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,454 $6,655 $6,909 $4,454
American Family $3,981 $5,062 $4,440 $3,981
GEICO $2,638 $3,463 $2,919 $3,398
Nationwide $3,051 $3,051 $4,500 $3,441
Progressive $4,549 $5,909 $5,323 $5,126
State Farm $2,426 $2,756 $3,222 $2,426
USAA $1,702 $2,498 $2,946 $1,952

Cheap Utopia, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Utopia, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,909
American Family $4,440
GEICO $2,919
Nationwide $4,500
Progressive $5,323
State Farm $3,222
USAA $2,946

Cheap Utopia, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Utopia, Texas

Insurance Company Poor Fair Good
Allstate $7,165 $5,227 $4,462
American Family $6,000 $3,792 $3,306
GEICO $4,785 $2,714 $1,814
Nationwide $4,217 $3,379 $2,937
Progressive $5,888 $5,083 $4,708
State Farm $3,839 $2,385 $1,898
USAA $3,355 $1,924 $1,544

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Cheap Utopia, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Utopia, Texas

ZIP Code Average Annual Rates
78884 $5,715

Cheap Utopia, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Utopia, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,492 $5,744
American Family $4,366 $4,366
GEICO $3,045 $3,164
Nationwide $3,511 $3,511
Progressive $5,226 $5,226
State Farm $2,707 $2,707
USAA $2,246 $2,303

Cheap Utopia, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Utopia, Texas

Insurance Company Low Medium High
Allstate $5,496 $5,572 $5,786
American Family $4,060 $4,200 $4,839
GEICO $2,946 $3,063 $3,304
Nationwide $3,774 $3,360 $3,398
Progressive $4,881 $5,198 $5,599
State Farm $2,577 $2,698 $2,847
USAA $2,208 $2,267 $2,349

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Best By Category: Cheapest Auto Insurance in Utopia, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Utopia, Texas

Insurance Company Average Annual Rates
Allstate $5,618
American Family $4,366
GEICO $3,105
Nationwide $3,511
Progressive $5,226
State Farm $2,707
USAA $2,275

What affects auto insurance rates in Utopia, Texas?

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

Utopia Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Utopia, Texas commute length is 7.9 minutes according to City-Data.

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Compare Utopia, Texas Auto Insurance Quotes

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