Best Cheap Auto Insurance in Wichita Falls, TX (2021)

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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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 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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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