Compare Breckenridge, TX Car Insurance Rates (2021)

Car insurance in Breckenridge, TX averages $303 a month. Breckenridge, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Breckenridge car insurance rates, compare quotes from the top car insurance companies in Breckenridge, 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 Breckenridge for teen drivers is USAA
  • Average car insurance rates in Breckenridge, TX are $3,636/year
  • Average car insurance rates in Breckenridge, TX after a DUI are $4,136/year

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

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

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

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

How do age, gender, and marital status affect Breckenridge, TX car insurance rates? Every Breckenridge, 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 Breckenridge, 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 $3,578 $3,634 $3,538 $3,538 $9,210 $11,209 $4,458 $4,686
American Family $2,652 $2,913 $2,372 $2,682 $6,273 $8,324 $3,662 $4,179
GEICO $2,312 $2,477 $2,198 $2,460 $4,936 $5,169 $2,500 $2,517
Nationwide $2,430 $2,480 $2,141 $2,277 $6,780 $8,753 $2,842 $3,085
Progressive $2,191 $2,094 $1,955 $1,989 $9,218 $10,306 $2,610 $2,670
State Farm $1,833 $1,833 $1,624 $1,624 $4,274 $5,429 $1,984 $2,052
USAA $1,425 $1,441 $1,355 $1,354 $3,881 $4,251 $1,896 $2,050

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Minimum Car Insurance in Breckenridge, TX

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

Minimum Required Car Insurance Coverage in Breckenridge, 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 Breckenridge, TX Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Breckenridge, Texas

Insurance Company Poor Fair Good
Allstate $6,990 $5,100 $4,354
American Family $5,812 $3,514 $3,071
GEICO $4,732 $2,685 $1,795
Nationwide $4,628 $3,700 $3,218
Progressive $4,641 $4,019 $3,727
State Farm $3,658 $2,275 $1,812
USAA $3,258 $1,865 $1,496

Cheapest Breckenridge, 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 Breckenridge, TX to rates for a clean record with top companies.

Annual Breckenridge, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,327 $6,510 $6,761 $4,327
American Family $3,784 $4,771 $4,190 $3,784
GEICO $2,609 $3,414 $2,896 $3,365
Nationwide $3,329 $3,329 $4,966 $3,770
Progressive $3,604 $4,653 $4,203 $4,055
State Farm $2,307 $2,629 $3,083 $2,307
USAA $1,655 $2,422 $2,849 $1,899

Cheapest Breckenridge, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Breckenridge, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,210 $11,209
American Family $6,273 $8,324
GEICO $4,936 $5,169
Nationwide $6,780 $8,753
Progressive $9,218 $10,306
State Farm $4,274 $5,429
USAA $3,881 $4,251

Cheapest Breckenridge, TX Car Insurance for Seniors

Take a look at Breckenridge, 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 Breckenridge, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,538 $3,538
American Family $2,372 $2,682
GEICO $2,198 $2,460
Nationwide $2,141 $2,277
Progressive $1,955 $1,989
State Farm $1,624 $1,624
USAA $1,355 $1,354

Cheapest Breckenridge, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Breckenridge, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,761
American Family $4,190
GEICO $2,896
Nationwide $4,966
Progressive $4,203
State Farm $3,083
USAA $2,849

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Cheapest Breckenridge, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Breckenridge, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,357 $5,606
American Family $4,132 $4,132
GEICO $3,010 $3,132
Nationwide $3,849 $3,849
Progressive $4,129 $4,129
State Farm $2,582 $2,582
USAA $2,178 $2,234

The Best Cheap Car Insurance Companies in Breckenridge, TX

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

Average Annual Car Insurance Rates by Company in Breckenridge, Texas

Insurance Company Average Annual Rates
Allstate $5,481
American Family $4,132
GEICO $3,071
Nationwide $3,849
Progressive $4,129
State Farm $2,582
USAA $2,206

Category Winners: Cheapest Car Insurance in Breckenridge, Texas

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

Best Annual Car Insurance Rates by Company in Breckenridge, Texas

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

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Cheapest Breckenridge, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Breckenridge, Texas

Insurance Company Low Medium High
Allstate $5,388 $5,447 $5,609
American Family $3,928 $4,027 $4,441
GEICO $2,927 $3,034 $3,251
Nationwide $4,170 $3,681 $3,695
Progressive $3,970 $4,114 $4,302
State Farm $2,463 $2,575 $2,707
USAA $2,141 $2,199 $2,279

What affects car insurance rates in Breckenridge, Texas?

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

Car Theft in Breckenridge

High levels of vehicle theft can make car insurance more expensive. Breckenridge, TX car theft statistics from the FBI indicate 4 vehicle thefts a year.

Commute Time in Breckenridge

The more time you spend in your car the higher the risk of an accident. The average commute length in Breckenridge, TX is 18.0 minutes according to City-Data.

Compare Car Insurance Quotes in Breckenridge, TX

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

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