Willis, TX Auto Insurance (2023)
The average Willis, TX auto insurance rates are $348 per month. The minimum auto insurance in Willis is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Willis, Texas, compare quotes from multiple companies.
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Travis Thompson
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...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Willis, TX for senior drivers are $2,522 per year
- The average commute length in Willis is 27.7 minutes
- The most expensive auto insurance company in Willis for teen drivers is American Family
Willis, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Willis 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 Willis, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Willis to other Texas cities, including Houston auto insurance rates, Dallas auto insurance rates, and Corpus Christi auto insurance rates to see how Willis, Texas auto insurance rates stack up.
Before you buy Willis, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Willis, Texas auto insurance quotes.
Minimum Auto Insurance in Willis, Texas
Willis, 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 Willis, 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 Willis, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Willis, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
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 | $3,509 | $3,533 | $3,462 | $3,462 | $9,377 | $11,300 | $4,337 | $4,508 |
American Family | $3,481 | $3,928 | $3,341 | $3,880 | $10,103 | $13,121 | $5,186 | $5,912 |
Geico | $2,589 | $2,805 | $2,505 | $2,862 | $5,747 | $5,949 | $2,807 | $2,791 |
Nationwide | $2,482 | $2,523 | $2,195 | $2,322 | $7,049 | $9,042 | $2,918 | $3,155 |
Progressive | $2,415 | $2,284 | $2,159 | $2,194 | $10,352 | $11,556 | $2,858 | $2,893 |
State Farm | $2,153 | $2,153 | $1,921 | $1,921 | $5,255 | $6,714 | $2,348 | $2,418 |
USAA | $1,617 | $1,621 | $1,551 | $1,535 | $4,594 | $4,984 | $2,154 | $2,296 |
Cheap Willis, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Willis, Texas is a challenge. Take a look at the annual teen auto insurance rates in Willis, Texas.
Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
---|---|---|
Allstate | $9,377 | $11,300 |
American Family | $10,103 | $13,121 |
Geico | $5,747 | $5,949 |
Nationwide | $7,049 | $9,042 |
Progressive | $10,352 | $11,556 |
State Farm | $5,255 | $6,714 |
USAA | $4,594 | $4,984 |
Cheap Willis, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Willis, Texas? Take a look at the annual average rates for older drivers.
Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
---|---|---|
Allstate | $3,462 | $3,462 |
American Family | $3,341 | $3,880 |
Geico | $2,505 | $2,862 |
Nationwide | $2,195 | $2,322 |
Progressive | $2,159 | $2,194 |
State Farm | $1,921 | $1,921 |
USAA | $1,551 | $1,535 |
Cheap Willis, 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 Willis, Texas compared to the annual auto insurance rates with a clean record in Willis, Texas.
Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
---|---|---|---|---|
Allstate | $4,194 | $6,533 | $6,823 | $4,194 |
American Family | $5,541 | $7,153 | $6,241 | $5,541 |
Geico | $2,973 | $3,946 | $3,276 | $3,832 |
Nationwide | $3,437 | $3,437 | $5,087 | $3,881 |
Progressive | $3,999 | $5,194 | $4,667 | $4,495 |
State Farm | $2,754 | $3,172 | $3,763 | $2,754 |
USAA | $1,891 | $2,804 | $3,311 | $2,171 |
Cheap Willis, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Willis, Texas is not easy. Compare the annual rates for DUI auto insurance in Willis, Texas to find the best deal.
Insurance Company | Annual Auto Insurance Rates With a DUI |
---|---|
Allstate | $6,823 |
American Family | $6,241 |
Geico | $3,276 |
Nationwide | $5,087 |
Progressive | $4,667 |
State Farm | $3,763 |
USAA | $3,311 |
Cheap Willis, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Willis, Texas annual auto insurance rates by credit history compare.
Insurance Company | Poor | Fair | Good |
---|---|---|---|
Allstate | $6,902 | $5,066 | $4,341 |
American Family | $8,256 | $5,404 | $4,697 |
Geico | $5,421 | $3,062 | $2,037 |
Nationwide | $4,757 | $3,815 | $3,311 |
Progressive | $5,150 | $4,469 | $4,147 |
State Farm | $4,406 | $2,742 | $2,184 |
USAA | $3,719 | $2,166 | $1,747 |
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Cheap Willis, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Willis, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Willis, Texas to see how car insurance rates are affected by location.
ZIP Code | Average Annual Rates |
---|---|
77318 | $6,130 |
77378 | $6,327 |
Cheap Willis, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Willis, Texas auto insurance. Find the cheapest annual Willis, Texas auto insurance by commute length.
Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
---|---|---|
Allstate | $5,302 | $5,570 |
American Family | $6,119 | $6,119 |
Geico | $3,442 | $3,572 |
Nationwide | $3,961 | $3,961 |
Progressive | $4,589 | $4,589 |
State Farm | $3,110 | $3,110 |
USAA | $2,512 | $2,576 |
Cheap Willis, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Willis, Texas? Check out the comparison of annual Willis, Texas auto insurance rates by coverage level.
Insurance Company | Low | Medium | High |
---|---|---|---|
Allstate | $5,311 | $5,389 | $5,608 |
American Family | $5,619 | $5,845 | $6,893 |
Geico | $3,310 | $3,461 | $3,750 |
Nationwide | $4,265 | $3,792 | $3,826 |
Progressive | $4,356 | $4,567 | $4,843 |
State Farm | $2,945 | $3,103 | $3,283 |
USAA | $2,448 | $2,532 | $2,652 |
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Best By Category: Cheapest Auto Insurance in Willis, Texas
Compare the cheapest auto insurance companies in Willis, Texas in each category to find the company with the best rates for your personal needs.
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 Willis, Texas Auto Insurance Companies
What auto insurance companies in Willis, Texas are the cheapest? Compare the top Willis, Texas auto insurance companies to find the best annual rates.
Insurance Company | Average Annual Rates |
---|---|
Allstate | $5,436 |
American Family | $6,119 |
Geico | $3,507 |
Nationwide | $3,961 |
Progressive | $4,589 |
State Farm | $3,111 |
USAA | $2,544 |
What affects auto insurance rates in Willis, Texas?
There are a lot of reasons why auto insurance rates in Willis, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Willis, Texas. Many local factors may affect your Willis auto insurance rates.
Willis Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Willis, Texas auto theft statistics, there have been 15 auto thefts in the city.
Willis Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Willis, Texas commute length is 27.7 minutes according to City-Data.
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Compare Willis, Texas Auto Insurance Quotes
Before you buy Willis, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Willis, Texas auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a contract between an individual and an insurance company that provides financial protection in the event of an accident or damage to a vehicle. It helps cover the costs associated with repairs, medical expenses, and liability claims resulting from a car accident.
Is auto insurance mandatory in Willis, TX?
Yes, auto insurance is mandatory in Willis, TX, as it is in most states. Texas law requires drivers to carry a minimum amount of liability insurance to cover potential damages caused to others in an accident. The minimum liability coverage limits in Texas are currently $30,000 for bodily injury per person, $60,000 for bodily injury per accident involving multiple people, and $25,000 for property damage.
What types of coverage are available for auto insurance in Willis, TX?
In addition to the mandatory liability insurance, there are several types of optional coverage you can consider for your auto insurance in Willis, TX. These may include:
- Collision coverage: This covers the cost of repairs or replacement if your vehicle is damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: This provides coverage for non-collision events, such as theft, vandalism, fire, or natural disasters.
- Personal injury protection (PIP): This coverage pays for medical expenses, lost wages, and other related costs for you and your passengers, regardless of fault.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who has no insurance or insufficient coverage.
How can I lower my auto insurance premium in Willis, TX?
Here are a few ways you can potentially lower your auto insurance premium in Willis, TX:
- Compare quotes: Shop around and obtain quotes from multiple insurance companies to find the best rates and coverage options.
- Increase deductibles: Opting for higher deductibles can lower your premium. Just make sure you can afford to pay the deductible amount in case of a claim.
- Bundle policies: Many insurance companies offer discounts if you bundle your auto insurance with other policies, such as homeowners or renters insurance.
- Maintain a good driving record: Avoid accidents and traffic violations to keep your driving record clean, as a history of incidents can lead to higher premiums.
- Take advantage of discounts: Inquire about available discounts, such as safe driver discounts, good student discounts, or discounts for installing safety features in your vehicle.
How is auto insurance premium determined in Willis, TX?
Auto insurance premiums in Willis, TX are determined based on various factors, including:
- Your driving record: Insurance companies consider your past driving history, including any accidents or traffic violations.
- Vehicle make and model: The type of vehicle you drive can affect the premium. Generally, more expensive or high-performance cars may have higher premiums.
- Age and gender: Younger and less experienced drivers may face higher premiums, as they statistically have a higher risk of accidents. Gender can also be a factor, as certain age groups or genders may have different risk profiles.
- Coverage limits and deductibles: Higher coverage limits and lower deductibles typically result in higher premiums.
- Location: Where you live, such as Willis, TX, can impact your premium due to factors like population density, crime rates, and frequency of accidents in the area.
- Credit history: In some states, including Texas, insurance companies can consider your credit history as a factor in determining your premium.
What should I do if I’m involved in a car accident in Willis, TX?
If you’re involved in a car accident in Willis, TX, here are the steps to follow:
- Check for injuries: First and foremost, check if anyone involved in the accident requires immediate medical attention. Call for emergency medical assistance if necessary.
- Move to a safe location: If possible, move your vehicle to the side of the road or a safe area to avoid obstructing traffic and further accidents. Turn on hazard lights to alert other drivers.
- Call the police: Contact the local police department and report the accident. They will document the incident and create an official report, which can be useful for insurance claims.
- Exchange information: Exchange contact, insurance, and vehicle information with the other driver(s) involved in the accident. Include names, phone numbers, addresses, insurance policy numbers, and vehicle details.
- Document the scene: Take photos or videos of the accident scene, including damage to vehicles, skid marks, and any other relevant details. This evidence can assist in the claims process.
- Notify your insurance company: Contact your auto insurance provider as soon as possible to report the accident. Provide them with accurate and detailed information about the incident.
- Seek medical attention: Even if you don’t have visible injuries, it’s advisable to seek medical attention to ensure there are no underlying injuries. Some injuries may manifest later, so it’s important to document them promptly.
- Cooperate with the investigation: If the police arrive at the scene, cooperate with their investigation and provide an accurate account of what happened. Avoid admitting fault or making speculations about the accident.
- Gather witness statements: If there were any witnesses to the accident, ask them for their contact information and request a statement regarding what they saw. This can support your version of events.
- Keep records: Keep a record of all documents related to the accident, including the police report, medical bills, repair estimates, and correspondence with insurance companies. These will be important for your insurance claim.
- Contact a towing service: If your vehicle is not drivable, arrange for a towing service to transport it to a repair shop or a designated location.
- Obtain multiple repair estimates: Get estimates from reputable auto repair shops for the necessary repairs to your vehicle. Share the estimates with your insurance company.
- Cooperate with the insurance claims process: Work closely with your insurance company’s claims adjuster to provide all requested information and documentation. Be honest and accurate in your statements.
- Understand your coverage: Familiarize yourself with the details of your auto insurance policy, including deductibles, coverage limits, and any additional benefits you may have.
- Consider consulting an attorney: If you encounter difficulties with the insurance claims process, face disputes, or suffer severe injuries, it may be beneficial to consult with a qualified attorney specializing in auto accidents.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Travis Thompson
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...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.