Compare Bay City, TX Car Insurance Rates (2021)

Car insurance in Bay City, TX averages $325 a month. Bay City, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Bay City car insurance rates, compare quotes from the top car insurance companies in Bay City, TX.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Bay City is USAA
  • Average car insurance rates in Bay City, TX after a DUI are $4,413/year
  • The cheapest car insurance company in Bay City for teen drivers is USAA

If you need to buy Bay City, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Bay City, TX is right here.

You’ll find Bay City car insurance rates, the cheapest Bay City, TX car insurance companies, and information on Texas car insurance laws. You can also compare Bay City, Texas car insurance rates to Arlington car insurance rates, San Antonio car insurance rates, and Plano car insurance rates.

Ready to find affordable Bay City, TX car insurance today? Enter your ZIP code for fast, free Bay City car insurance quotes.

Cheapest Bay City, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Bay City, TX car insurance rates? Every Bay City, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bay City, 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 $3,273 $3,300 $3,233 $3,233 $8,625 $10,401 $4,041 $4,205
American Family $3,101 $3,486 $2,962 $3,426 $8,811 $11,470 $4,577 $5,219
GEICO $2,283 $2,475 $2,237 $2,546 $4,972 $5,176 $2,461 $2,445
Nationwide $2,324 $2,361 $2,055 $2,173 $6,629 $8,499 $2,735 $2,956
Progressive $2,603 $2,470 $2,320 $2,362 $11,058 $12,341 $3,088 $3,129
State Farm $1,898 $1,898 $1,686 $1,686 $4,480 $5,696 $2,059 $2,122
USAA $1,596 $1,608 $1,527 $1,519 $4,450 $4,850 $2,128 $2,285

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Minimum Car Insurance in Bay City, TX

Every driver must carry the minimum car insurance in Bay City, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Bay City, 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

Cheapest Bay City, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Bay City, TX. Compare credit history car insurance rates in Bay City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Bay City, Texas

Insurance Company Poor Fair Good
Allstate $6,413 $4,690 $4,013
American Family $7,294 $4,729 $4,121
GEICO $4,737 $2,688 $1,797
Nationwide $4,455 $3,582 $3,112
Progressive $5,534 $4,790 $4,441
State Farm $3,811 $2,372 $1,889
USAA $3,662 $2,119 $1,706

Cheapest Bay City, TX Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bay City, TX to rates for a clean record with top companies.

Annual Bay City, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,912 $6,039 $6,293 $3,912
American Family $4,883 $6,274 $5,485 $4,883
GEICO $2,612 $3,459 $2,870 $3,356
Nationwide $3,226 $3,226 $4,772 $3,641
Progressive $4,287 $5,562 $5,009 $4,828
State Farm $2,397 $2,741 $3,228 $2,397
USAA $1,861 $2,747 $3,236 $2,137

Cheapest Bay City, TX Car Insurance for Teen Drivers

Teen car insurance in Bay City, TX can be expensive. Take a look at rates from the top car insurance companies in Bay City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Bay City, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,625 $10,401
American Family $8,811 $11,470
GEICO $4,972 $5,176
Nationwide $6,629 $8,499
Progressive $11,058 $12,341
State Farm $4,480 $5,696
USAA $4,450 $4,850

Cheapest Bay City, TX Car Insurance for Seniors

Take a look at Bay City, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Bay City, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,233 $3,233
American Family $2,962 $3,426
GEICO $2,237 $2,546
Nationwide $2,055 $2,173
Progressive $2,320 $2,362
State Farm $1,686 $1,686
USAA $1,527 $1,519

Cheapest Bay City, TX Car Insurance Rates After a DUI

A DUI in Bay City, TX increases car insurance rates. Compare Bay City, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Bay City, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,293
American Family $5,485
GEICO $2,870
Nationwide $4,772
Progressive $5,009
State Farm $3,228
USAA $3,236

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Cheapest Bay City, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Bay City, TX by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Bay City, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,919 $5,159
American Family $5,382 $5,382
GEICO $3,018 $3,130
Nationwide $3,716 $3,716
Progressive $4,921 $4,921
State Farm $2,691 $2,691
USAA $2,464 $2,527

The Best Cheap Car Insurance Companies in Bay City, TX

Take a look at a side-by-side comparison of the top car insurance companies in Bay City, TX to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Bay City, Texas

Insurance Company Average Annual Rates
Allstate $5,039
American Family $5,382
GEICO $3,074
Nationwide $3,716
Progressive $4,921
State Farm $2,691
USAA $2,495

Category Winners: Cheapest Car Insurance in Bay City, Texas

Find the cheapest car insurance companies in Bay City, TX for each category right here.

Best Annual Car Insurance Rates by Company in Bay City, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation USAA

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Cheapest Bay City, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Bay City car insurance rates. Find the cheapest Bay City, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bay City, Texas

Insurance Company Low Medium High
Allstate $4,908 $4,990 $5,218
American Family $4,943 $5,138 $6,063
GEICO $2,896 $3,027 $3,299
Nationwide $3,996 $3,558 $3,595
Progressive $4,673 $4,899 $5,193
State Farm $2,551 $2,683 $2,839
USAA $2,406 $2,484 $2,595

What affects car insurance rates in Bay City, Texas?

What factors can have an impact on Bay City, TX car insurance? There are several reasons why Bay City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bay City, Texas.

Car Theft in Bay City

High levels of vehicle theft can make car insurance more expensive. Bay City, TX car theft statistics from the FBI indicate 18 vehicle thefts a year.

Commute Time in Bay City

The more time you spend in your car the higher the risk of an accident. The average commute length in Bay City, TX is 22.5 minutes according to City-Data.

Compare Car Insurance Quotes in Bay City, TX

Ready to find affordable Bay City, Texas car insurance today? Enter your ZIP code for fast, free Bay City, TX car insurance quotes.

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