Compare Cactus, TX Car Insurance Rates (2021)

Car insurance in Cactus, TX averages $333 a month. Cactus, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Cactus car insurance rates, compare quotes from the top car insurance companies in Cactus, 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

  • Average car insurance rates in Cactus, TX after a DUI are $4,516/year
  • The cheapest car insurance company in Cactus for teen drivers is USAA
  • Average car insurance rates in Cactus, TX are $3,995/year

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

You’ll find Cactus car insurance rates, the cheapest Cactus, TX car insurance companies, and information on Texas car insurance laws. You can also compare Cactus, Texas car insurance rates to El Paso car insurance rates, Corpus Christi car insurance rates, and Arlington car insurance rates.

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

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

How do age, gender, and marital status affect Cactus, TX car insurance rates? Every Cactus, 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 Cactus, 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 $3,482 $3,536 $3,440 $3,440 $8,940 $10,875 $4,333 $4,559
American Family $3,913 $4,278 $3,332 $3,758 $8,447 $11,284 $5,276 $6,012
GEICO $2,703 $2,853 $2,478 $2,705 $5,609 $5,929 $2,930 $2,999
Nationwide $2,671 $2,729 $2,351 $2,503 $7,453 $9,632 $3,124 $3,393
Progressive $2,324 $2,250 $2,040 $2,093 $8,912 $9,961 $2,772 $2,849
State Farm $1,807 $1,807 $1,598 $1,598 $4,160 $5,276 $1,953 $2,022
USAA $1,594 $1,639 $1,497 $1,531 $4,047 $4,518 $2,138 $2,373

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Minimum Car Insurance in Cactus, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Cactus, Texas

Insurance Company Poor Fair Good
Allstate $6,775 $4,962 $4,239
American Family $8,257 $4,876 $4,229
GEICO $5,451 $3,079 $2,048
Nationwide $5,100 $4,065 $3,531
Progressive $4,729 $4,020 $3,701
State Farm $3,582 $2,227 $1,773
USAA $3,624 $2,022 $1,606

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

Annual Cactus, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,212 $6,306 $6,571 $4,212
American Family $5,316 $6,665 $5,852 $5,316
GEICO $2,991 $3,856 $3,370 $3,887
Nationwide $3,658 $3,658 $5,466 $4,145
Progressive $3,629 $4,615 $4,253 $4,104
State Farm $2,265 $2,573 $3,008 $2,265
USAA $1,833 $2,638 $3,094 $2,103

Cheapest Cactus, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cactus, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,940 $10,875
American Family $8,447 $11,284
GEICO $5,609 $5,929
Nationwide $7,453 $9,632
Progressive $8,912 $9,961
State Farm $4,160 $5,276
USAA $4,047 $4,518

Cheapest Cactus, TX Car Insurance for Seniors

Take a look at Cactus, 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 Cactus, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,440 $3,440
American Family $3,332 $3,758
GEICO $2,478 $2,705
Nationwide $2,351 $2,503
Progressive $2,040 $2,093
State Farm $1,598 $1,598
USAA $1,497 $1,531

Cheapest Cactus, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cactus, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,571
American Family $5,852
GEICO $3,370
Nationwide $5,466
Progressive $4,253
State Farm $3,008
USAA $3,094

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Cheapest Cactus, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cactus, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,206 $5,445
American Family $5,788 $5,788
GEICO $3,448 $3,604
Nationwide $4,232 $4,232
Progressive $4,150 $4,150
State Farm $2,528 $2,528
USAA $2,385 $2,449

The Best Cheap Car Insurance Companies in Cactus, TX

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

Average Annual Car Insurance Rates by Company in Cactus, Texas

Insurance Company Average Annual Rates
Allstate $5,325
American Family $5,788
GEICO $3,526
Nationwide $4,232
Progressive $4,150
State Farm $2,528
USAA $2,417

Category Winners: Cheapest Car Insurance in Cactus, Texas

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

Best Annual Car Insurance Rates by Company in Cactus, Texas

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

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Cheapest Cactus, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cactus, Texas

Insurance Company Low Medium High
Allstate $5,241 $5,294 $5,441
American Family $5,538 $5,657 $6,168
GEICO $3,409 $3,498 $3,672
Nationwide $4,596 $4,046 $4,054
Progressive $3,985 $4,134 $4,331
State Farm $2,418 $2,522 $2,643
USAA $2,364 $2,412 $2,475

What affects car insurance rates in Cactus, Texas?

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

Car Theft in Cactus

High levels of vehicle theft can make car insurance more expensive. Cactus, TX car theft statistics from the FBI indicate 1 vehicle thefts a year.

Commute Time in Cactus

The more time you spend in your car the higher the risk of an accident. The average commute length in Cactus, TX is 11.1 minutes according to City-Data.

Compare Car Insurance Quotes in Cactus, TX

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

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