Compare Caldwell, TX Car Insurance Rates (2021)

Car insurance in Caldwell, TX averages $316 a month. Caldwell, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Caldwell car insurance rates, compare quotes from the top car insurance companies in Caldwell, 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 Caldwell, TX after a DUI are $4,321/year
  • Average car insurance rates in Caldwell, TX are $3,795/year
  • The cheapest car insurance company in Caldwell for teen drivers is USAA

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

You’ll find Caldwell car insurance rates, the cheapest Caldwell, TX car insurance companies, and information on Texas car insurance laws. You can also compare Caldwell, Texas car insurance rates to Corpus Christi car insurance rates, Houston car insurance rates, and Laredo car insurance rates.

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

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

How do age, gender, and marital status affect Caldwell, TX car insurance rates? Every Caldwell, 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 Caldwell, 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 $3,176 $3,203 $3,133 $3,133 $8,527 $10,298 $3,941 $4,109
American Family $2,608 $2,908 $2,445 $2,805 $6,944 $9,042 $3,752 $4,265
GEICO $2,352 $2,548 $2,285 $2,600 $5,165 $5,391 $2,546 $2,541
Nationwide $2,653 $2,700 $2,340 $2,481 $7,582 $9,752 $3,123 $3,383
Progressive $2,467 $2,325 $2,207 $2,247 $10,649 $11,827 $2,911 $2,928
State Farm $1,953 $1,953 $1,735 $1,735 $4,634 $5,900 $2,120 $2,189
USAA $1,519 $1,530 $1,451 $1,443 $4,235 $4,615 $2,023 $2,172

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Minimum Car Insurance in Caldwell, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Caldwell, Texas

Insurance Company Poor Fair Good
Allstate $6,265 $4,608 $3,948
American Family $5,947 $3,792 $3,299
GEICO $4,902 $2,778 $1,855
Nationwide $5,109 $4,093 $3,552
Progressive $5,259 $4,575 $4,252
State Farm $3,935 $2,448 $1,950
USAA $3,487 $2,013 $1,620

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

Annual Caldwell, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,820 $5,920 $6,201 $3,820
American Family $3,955 $5,050 $4,424 $3,955
GEICO $2,700 $3,576 $2,969 $3,470
Nationwide $3,682 $3,682 $5,478 $4,165
Progressive $4,092 $5,319 $4,768 $4,603
State Farm $2,473 $2,830 $3,334 $2,473
USAA $1,772 $2,610 $3,078 $2,033

Cheapest Caldwell, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Caldwell, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,527 $10,298
American Family $6,944 $9,042
GEICO $5,165 $5,391
Nationwide $7,582 $9,752
Progressive $10,649 $11,827
State Farm $4,634 $5,900
USAA $4,235 $4,615

Cheapest Caldwell, TX Car Insurance for Seniors

Take a look at Caldwell, 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 Caldwell, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,133 $3,133
American Family $2,445 $2,805
GEICO $2,285 $2,600
Nationwide $2,340 $2,481
Progressive $2,207 $2,247
State Farm $1,735 $1,735
USAA $1,451 $1,443

Cheapest Caldwell, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Caldwell, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,201
American Family $4,424
GEICO $2,969
Nationwide $5,478
Progressive $4,768
State Farm $3,334
USAA $3,078

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Cheapest Caldwell, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Caldwell, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,822 $5,058
American Family $4,346 $4,346
GEICO $3,120 $3,237
Nationwide $4,252 $4,252
Progressive $4,695 $4,695
State Farm $2,778 $2,778
USAA $2,343 $2,403

The Best Cheap Car Insurance Companies in Caldwell, TX

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

Average Annual Car Insurance Rates by Company in Caldwell, Texas

Insurance Company Average Annual Rates
Allstate $4,940
American Family $4,346
GEICO $3,178
Nationwide $4,252
Progressive $4,695
State Farm $2,778
USAA $2,373

Category Winners: Cheapest Car Insurance in Caldwell, Texas

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

Best Annual Car Insurance Rates by Company in Caldwell, Texas

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

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Cheapest Caldwell, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Caldwell, Texas

Insurance Company Low Medium High
Allstate $4,847 $4,905 $5,069
American Family $4,039 $4,179 $4,820
GEICO $3,006 $3,134 $3,396
Nationwide $4,583 $4,068 $4,104
Progressive $4,464 $4,670 $4,951
State Farm $2,641 $2,769 $2,923
USAA $2,294 $2,364 $2,462

What affects car insurance rates in Caldwell, Texas?

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

Car Theft in Caldwell

High levels of vehicle theft can make car insurance more expensive. Caldwell, TX car theft statistics from the FBI indicate 0 vehicle thefts a year.

Commute Time in Caldwell

The more time you spend in your car the higher the risk of an accident. The average commute length in Caldwell, TX is 20.5 minutes according to City-Data.

Compare Car Insurance Quotes in Caldwell, TX

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

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