Best Wichita Falls, Texas Auto Insurance in 2025
The average Wichita Falls, TX auto insurance rates are $280 per month. The minimum auto insurance in Wichita Falls is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Wichita Falls, Texas, compare quotes from multiple companies.
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Insurance and Finance Writer
Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life...
Maria Hanson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Travis Thompson
Updated October 2024
- The minimum auto insurance required in Wichita Falls, Texas is 30/60/25
- The average commute length in Wichita Falls is 14.4 minutes
- The cheapest auto insurance company in Wichita Falls is USAA
Wichita Falls, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Wichita Falls 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 Wichita Falls, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Wichita Falls to other Texas cities, including El Paso auto insurance rates, Corpus Christi auto insurance rates, and Laredo auto insurance rates to see how Wichita Falls, Texas auto insurance rates stack up.
Before you buy Wichita Falls, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Wichita Falls, Texas auto insurance quotes.
Minimum Auto Insurance in Wichita Falls, Texas
Wichita Falls, 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 Wichita Falls, Texas.
Minimum Required Auto Insurance Coverage in Wichita Falls, 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 Wichita Falls, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Wichita Falls, 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 Wichita Falls, 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 | $3,140 | $3,170 | $3,099 | $3,099 | $8,448 | $10,211 | $3,903 | $4,074 |
| American Family | $2,814 | $3,089 | $2,480 | $2,805 | $6,435 | $8,494 | $3,849 | $4,373 |
| Geico | $1,918 | $2,047 | $1,815 | $2,020 | $4,055 | $4,230 | $2,072 | $2,088 |
| Nationwide | $2,134 | $2,177 | $1,883 | $2,001 | $5,948 | $7,668 | $2,496 | $2,707 |
| Progressive | $2,111 | $2,032 | $1,869 | $1,911 | $8,425 | $9,401 | $2,512 | $2,574 |
| State Farm | $1,772 | $1,772 | $1,579 | $1,579 | $4,259 | $5,431 | $1,927 | $1,987 |
| USAA | $1,314 | $1,331 | $1,248 | $1,251 | $3,512 | $3,853 | $1,743 | $1,889 |
Cheap Wichita Falls, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Wichita Falls, Texas is a challenge. Take a look at the annual teen auto insurance rates in Wichita Falls, Texas.
Annual Auto Insurance Rates for Teen Drivers in Wichita Falls, Texas
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,448 | $10,211 |
| American Family | $6,435 | $8,494 |
| Geico | $4,055 | $4,230 |
| Nationwide | $5,948 | $7,668 |
| Progressive | $8,425 | $9,401 |
| State Farm | $4,259 | $5,431 |
| USAA | $3,512 | $3,853 |
Cheap Wichita Falls, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Wichita Falls, Texas? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Wichita Falls, Texas
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,099 | $3,099 |
| American Family | $2,480 | $2,805 |
| Geico | $1,815 | $2,020 |
| Nationwide | $1,883 | $2,001 |
| Progressive | $1,869 | $1,911 |
| State Farm | $1,579 | $1,579 |
| USAA | $1,248 | $1,251 |
Cheap Wichita Falls, 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 Wichita Falls, Texas compared to the annual auto insurance rates with a clean record in Wichita Falls, Texas.
Annual Wichita Falls, Texas Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,786 | $5,859 | $6,140 | $3,786 |
| American Family | $3,934 | $4,952 | $4,350 | $3,934 |
| Geico | $2,155 | $2,805 | $2,393 | $2,769 |
| Nationwide | $2,924 | $2,924 | $4,351 | $3,308 |
| Progressive | $3,371 | $4,310 | $3,935 | $3,801 |
| State Farm | $2,253 | $2,587 | $3,058 | $2,253 |
| USAA | $1,519 | $2,213 | $2,598 | $1,741 |
Cheap Wichita Falls, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Wichita Falls, Texas is not easy. Compare the annual rates for DUI auto insurance in Wichita Falls, Texas to find the best deal.
Annual Auto Insurance Rates After a DUI in Wichita Falls, Texas
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,140 |
| American Family | $4,350 |
| Geico | $2,393 |
| Nationwide | $4,351 |
| Progressive | $3,935 |
| State Farm | $3,058 |
| USAA | $2,598 |
Cheap Wichita Falls, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Wichita Falls, Texas annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Wichita Falls, Texas
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,206 | $4,564 | $3,909 |
| American Family | $6,042 | $3,658 | $3,177 |
| Geico | $3,879 | $2,218 | $1,496 |
| Nationwide | $4,050 | $3,249 | $2,831 |
| Progressive | $4,360 | $3,743 | $3,461 |
| State Farm | $3,591 | $2,238 | $1,785 |
| USAA | $2,980 | $1,705 | $1,368 |
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Cheap Wichita Falls, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Wichita Falls, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Wichita Falls, Texas to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Wichita Falls, Texas
| ZIP Code | Average Annual Rates |
|---|---|
| 76301 | $4,957 |
| 76302 | $4,903 |
| 76305 | $5,148 |
| 76306 | $4,691 |
| 76308 | $4,910 |
| 76309 | $4,820 |
| 76310 | $4,882 |
| 76311 | $4,878 |
Cheap Wichita Falls, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Wichita Falls, Texas auto insurance. Find the cheapest annual Wichita Falls, Texas auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Wichita Falls, Texas
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,778 | $5,008 |
| American Family | $4,292 | $4,292 |
| Geico | $2,482 | $2,580 |
| Nationwide | $3,377 | $3,377 |
| Progressive | $3,854 | $3,854 |
| State Farm | $2,538 | $2,538 |
| USAA | $1,992 | $2,043 |
Cheap Wichita Falls, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Wichita Falls, Texas? Check out the comparison of annual Wichita Falls, Texas auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Wichita Falls, Texas
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,805 | $4,860 | $5,014 |
| American Family | $4,086 | $4,187 | $4,604 |
| Geico | $2,421 | $2,507 | $2,665 |
| Nationwide | $3,664 | $3,232 | $3,234 |
| Progressive | $3,711 | $3,840 | $4,012 |
| State Farm | $2,408 | $2,532 | $2,674 |
| USAA | $1,959 | $2,011 | $2,083 |
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Best By Category: Cheapest Auto Insurance in Wichita Falls, Texas
Compare the cheapest auto insurance companies in Wichita Falls, Texas in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Wichita Falls, 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 Wichita Falls, Texas Auto Insurance Companies
What auto insurance companies in Wichita Falls, Texas are the cheapest? Compare the top Wichita Falls, Texas auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Wichita Falls, Texas
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,893 |
| American Family | $4,292 |
| Geico | $2,531 |
| Nationwide | $3,377 |
| Progressive | $3,854 |
| State Farm | $2,538 |
| USAA | $2,018 |
What affects auto insurance rates in Wichita Falls, Texas?
There are a lot of reasons why auto insurance rates in Wichita Falls, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Wichita Falls, Texas. Many local factors may affect your Wichita Falls auto insurance rates.
Wichita Falls Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Wichita Falls, Texas auto theft statistics, there have been 251 auto thefts in the city.
Wichita Falls Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Wichita Falls, Texas commute length is 14.4 minutes according to City-Data.
Wichita Falls Traffic
How does Wichita Falls, Texas rank for traffic? According to Inrix Wichita Falls, Texas is the 981st most congested worldwide.
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Compare Wichita Falls, Texas Auto Insurance Quotes
Before you buy Wichita Falls, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Wichita Falls, Texas auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection against physical damage or bodily injury resulting from traffic collisions and other incidents involving vehicles. It helps cover the costs of repairing or replacing your vehicle, as well as medical expenses and legal liabilities.
Is auto insurance mandatory in Wichita Falls, TX?
Yes, auto insurance is mandatory in Wichita Falls, TX, as it is in most states in the United States. The state of Texas requires all drivers to carry a minimum amount of liability insurance coverage to legally operate a motor vehicle.
What is the minimum auto insurance coverage required in Wichita Falls, TX?
In Wichita Falls, TX, the minimum auto insurance coverage required by law is known as 30/60/25 coverage. This means you must have at least:
- $30,000 bodily injury liability coverage per person injured in an accident
- $60,000 bodily injury liability coverage per accident for all persons injured
- $25,000 property damage liability coverage per accident
How can I find affordable auto insurance in Wichita Falls, TX?
To find affordable auto insurance in Wichita Falls, TX, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a good driving record and avoid traffic violations.
- Increase your deductibles, but make sure you can afford them if you need to file a claim.
- Ask about available discounts, such as safe driver discounts or bundling your auto insurance with other policies.
What factors can affect my auto insurance premium in Wichita Falls, TX?
Several factors can influence your auto insurance premium, including:
- Your driving record and claims history.
- The type, make, and model of your vehicle.
- Your age, gender, and marital status.
- Your credit score.
- The coverage options and deductibles you choose.
- The distance you drive each year.
- The location where your vehicle is parked.
Can I cancel my auto insurance policy in Wichita Falls, TX?
Yes, you can cancel your auto insurance policy in Wichita Falls, TX. However, it’s important to review the terms and conditions of your policy and check if there are any cancellation fees or penalties. Notify your insurance provider in advance and make sure you have alternative coverage in place to avoid a lapse in coverage.
What should I do after an accident in Wichita Falls, TX?
After an accident in Wichita Falls, TX, follow these steps:
- Ensure your safety and the safety of others involved.
- Call the police to report the accident.
- Exchange information with the other party, including names, contact details, and insurance information.
- Take photos of the accident scene and any damages.
- Notify your insurance provider and report the accident.
- Cooperate with the insurance claims process and provide all necessary documentation.
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