Compare Carlsbad, TX Car Insurance Rates (2021)

Car insurance in Carlsbad, TX averages $293 a month. Carlsbad, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Carlsbad car insurance rates, compare quotes from the top car insurance companies in Carlsbad, 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 Carlsbad, TX after a DUI are $3,993/year
  • Average car insurance rates in Carlsbad, TX are $3,519/year
  • The cheapest car insurance company in Carlsbad for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Carlsbad, TX car insurance rates? Every Carlsbad, 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 Carlsbad, 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 $2,343 $2,588 $2,157 $2,451 $5,880 $7,731 $3,294 $3,753
GEICO $2,139 $2,291 $2,033 $2,278 $4,630 $4,813 $2,315 $2,327
Nationwide $2,211 $2,256 $1,954 $2,075 $6,081 $7,839 $2,578 $2,796
Progressive $2,451 $2,340 $2,190 $2,227 $10,389 $11,610 $2,920 $2,968
State Farm $1,740 $1,740 $1,549 $1,549 $4,144 $5,278 $1,890 $1,949
USAA $1,355 $1,375 $1,287 $1,293 $3,629 $3,987 $1,805 $1,961

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Minimum Car Insurance in Carlsbad, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Carlsbad, Texas

Insurance Company Poor Fair Good
Allstate $6,775 $4,962 $4,239
American Family $5,239 $3,244 $2,841
GEICO $4,388 $2,497 $1,675
Nationwide $4,172 $3,340 $2,909
Progressive $5,211 $4,514 $4,187
State Farm $3,509 $2,187 $1,744
USAA $3,082 $1,763 $1,414

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

Annual Carlsbad, 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 $3,452 $4,362 $3,833 $3,452
GEICO $2,425 $3,183 $2,687 $3,118
Nationwide $3,010 $3,010 $4,471 $3,403
Progressive $4,041 $5,236 $4,718 $4,553
State Farm $2,206 $2,527 $2,981 $2,206
USAA $1,569 $2,287 $2,690 $1,799

Cheapest Carlsbad, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Carlsbad, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,940 $10,875
American Family $5,880 $7,731
GEICO $4,630 $4,813
Nationwide $6,081 $7,839
Progressive $10,389 $11,610
State Farm $4,144 $5,278
USAA $3,629 $3,987

Cheapest Carlsbad, TX Car Insurance for Seniors

Take a look at Carlsbad, 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 Carlsbad, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,440 $3,440
American Family $2,157 $2,451
GEICO $2,033 $2,278
Nationwide $1,954 $2,075
Progressive $2,190 $2,227
State Farm $1,549 $1,549
USAA $1,287 $1,293

Cheapest Carlsbad, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Carlsbad, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,571
American Family $3,833
GEICO $2,687
Nationwide $4,471
Progressive $4,718
State Farm $2,981
USAA $2,690

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Cheapest Carlsbad, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Carlsbad, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,206 $5,445
American Family $3,775 $3,775
GEICO $2,800 $2,906
Nationwide $3,474 $3,474
Progressive $4,637 $4,637
State Farm $2,480 $2,480
USAA $2,060 $2,113

The Best Cheap Car Insurance Companies in Carlsbad, TX

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

Average Annual Car Insurance Rates by Company in Carlsbad, Texas

Insurance Company Average Annual Rates
Allstate $5,325
American Family $3,775
GEICO $2,853
Nationwide $3,474
Progressive $4,637
State Farm $2,480
USAA $2,086

Category Winners: Cheapest Car Insurance in Carlsbad, Texas

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

Best Annual Car Insurance Rates by Company in Carlsbad, 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 Carlsbad, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Carlsbad, Texas

Insurance Company Low Medium High
Allstate $5,241 $5,294 $5,441
American Family $3,549 $3,659 $4,116
GEICO $2,727 $2,829 $3,004
Nationwide $3,753 $3,325 $3,343
Progressive $4,406 $4,620 $4,885
State Farm $2,356 $2,475 $2,608
USAA $2,026 $2,080 $2,154

Compare Car Insurance Quotes in Carlsbad, TX

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

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