Best Cheap Auto Insurance in Vernon, TX (2021)

The average Vernon, TX auto insurance rates are $291 per month. The minimum auto insurance in Vernon is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Vernon, 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 cheapest auto insurance company in Vernon is USAA
  • The most expensive auto insurance company in Vernon for teen drivers is Allstate
  • The minimum auto insurance required in Vernon, Texas is 30/60/25

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

Compare auto insurance in Vernon to other Texas cities, including Laredo auto insurance rates, El Paso auto insurance rates, and Houston auto insurance rates to see how Vernon, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Vernon, Texas

Vernon, 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 Vernon, Texas.

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

Auto insurance rates in Vernon, 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 Vernon, 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 $3,482 $3,536 $3,440 $3,440 $8,940 $10,875 $4,333 $4,559
American Family $2,731 $2,995 $2,405 $2,717 $6,203 $8,186 $3,726 $4,231
GEICO $1,918 $2,047 $1,815 $2,020 $4,055 $4,230 $2,072 $2,088
Nationwide $2,341 $2,391 $2,064 $2,196 $6,476 $8,367 $2,732 $2,967
Progressive $2,200 $2,120 $1,946 $1,991 $8,799 $9,811 $2,622 $2,688
State Farm $1,795 $1,795 $1,588 $1,588 $4,139 $5,247 $1,940 $2,005
USAA $1,454 $1,480 $1,376 $1,388 $3,876 $4,276 $1,946 $2,126

Cheap Vernon, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Vernon, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,940 $10,875
American Family $6,203 $8,186
GEICO $4,055 $4,230
Nationwide $6,476 $8,367
Progressive $8,799 $9,811
State Farm $4,139 $5,247
USAA $3,876 $4,276

Cheap Vernon, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Vernon, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,440 $3,440
American Family $2,405 $2,717
GEICO $1,815 $2,020
Nationwide $2,064 $2,196
Progressive $1,946 $1,991
State Farm $1,588 $1,588
USAA $1,376 $1,388

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

Annual Vernon, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,212 $6,306 $6,571 $4,212
American Family $3,804 $4,784 $4,204 $3,804
GEICO $2,155 $2,805 $2,393 $2,769
Nationwide $3,194 $3,194 $4,763 $3,616
Progressive $3,517 $4,497 $4,106 $3,969
State Farm $2,249 $2,558 $2,993 $2,249
USAA $1,686 $2,452 $2,888 $1,934

Cheap Vernon, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Vernon, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,571
American Family $4,204
GEICO $2,393
Nationwide $4,763
Progressive $4,106
State Farm $2,993
USAA $2,888

Cheap Vernon, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Vernon, Texas

Insurance Company Poor Fair Good
Allstate $6,775 $4,962 $4,239
American Family $5,846 $3,534 $3,069
GEICO $3,879 $2,218 $1,496
Nationwide $4,439 $3,548 $3,088
Progressive $4,549 $3,906 $3,611
State Farm $3,560 $2,214 $1,763
USAA $3,323 $1,888 $1,510

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Cheap Vernon, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Vernon, Texas

ZIP Code Average Annual Rates
76384 $5,080

Cheap Vernon, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Vernon, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,206 $5,445
American Family $4,149 $4,149
GEICO $2,482 $2,580
Nationwide $3,692 $3,692
Progressive $4,022 $4,022
State Farm $2,512 $2,512
USAA $2,212 $2,269

Cheap Vernon, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Vernon, Texas

Insurance Company Low Medium High
Allstate $5,241 $5,294 $5,441
American Family $3,947 $4,043 $4,458
GEICO $2,421 $2,507 $2,665
Nationwide $4,001 $3,530 $3,544
Progressive $3,881 $4,008 $4,178
State Farm $2,394 $2,505 $2,638
USAA $2,181 $2,233 $2,307

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Best By Category: Cheapest Auto Insurance in Vernon, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Vernon, Texas

Insurance Company Average Annual Rates
Allstate $5,325
American Family $4,149
GEICO $2,531
Nationwide $3,692
Progressive $4,022
State Farm $2,512
USAA $2,240

What affects auto insurance rates in Vernon, Texas?

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

Vernon Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Vernon, Texas auto theft statistics, there have been 10 auto thefts in the city.

Vernon Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Vernon, Texas commute length is 13.0 minutes according to City-Data.

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Compare Vernon, Texas Auto Insurance Quotes

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