Compare Chico, TX Car Insurance Rates (2021)

Car insurance in Chico, TX averages $311 a month. Chico, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Chico car insurance rates, compare quotes from the top car insurance companies in Chico, 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 Chico, TX after a DUI are $4,253/year
  • The cheapest car insurance company in Chico for teen drivers is USAA
  • The cheapest car insurance company in Chico is USAA

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

You’ll find Chico car insurance rates, the cheapest Chico, TX car insurance companies, and information on Texas car insurance laws. You can also compare Chico, Texas car insurance rates to Fort Worth car insurance rates, San Antonio car insurance rates, and Houston car insurance rates.

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

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

How do age, gender, and marital status affect Chico, TX car insurance rates? Every Chico, 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 Chico, 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 $3,322 $3,350 $3,280 $3,280 $8,790 $10,601 $4,105 $4,273
American Family $2,496 $2,755 $2,270 $2,579 $6,115 $8,027 $3,486 $3,963
GEICO $2,662 $2,853 $2,526 $2,830 $5,789 $6,044 $2,884 $2,906
Nationwide $2,449 $2,494 $2,158 $2,290 $6,987 $8,998 $2,880 $3,123
Progressive $2,366 $2,250 $2,102 $2,146 $9,800 $10,908 $2,800 $2,840
State Farm $1,861 $1,861 $1,656 $1,656 $4,457 $5,683 $2,023 $2,090
USAA $1,593 $1,603 $1,519 $1,508 $4,474 $4,878 $2,123 $2,279

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Minimum Car Insurance in Chico, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Chico, Texas

Insurance Company Poor Fair Good
Allstate $6,512 $4,775 $4,088
American Family $5,507 $3,404 $2,974
GEICO $5,508 $3,110 $2,068
Nationwide $4,708 $3,777 $3,283
Progressive $4,959 $4,280 $3,965
State Farm $3,768 $2,346 $1,870
USAA $3,676 $2,116 $1,700

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

Annual Chico, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,974 $6,141 $6,410 $3,974
American Family $3,629 $4,568 $4,020 $3,629
GEICO $3,020 $3,975 $3,354 $3,898
Nationwide $3,394 $3,394 $5,059 $3,842
Progressive $3,841 $4,954 $4,484 $4,327
State Farm $2,366 $2,712 $3,200 $2,366
USAA $1,862 $2,747 $3,241 $2,138

Cheapest Chico, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Chico, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,790 $10,601
American Family $6,115 $8,027
GEICO $5,789 $6,044
Nationwide $6,987 $8,998
Progressive $9,800 $10,908
State Farm $4,457 $5,683
USAA $4,474 $4,878

Cheapest Chico, TX Car Insurance for Seniors

Take a look at Chico, 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 Chico, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,280 $3,280
American Family $2,270 $2,579
GEICO $2,526 $2,830
Nationwide $2,158 $2,290
Progressive $2,102 $2,146
State Farm $1,656 $1,656
USAA $1,519 $1,508

Cheapest Chico, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Chico, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,410
American Family $4,020
GEICO $3,354
Nationwide $5,059
Progressive $4,484
State Farm $3,200
USAA $3,241

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Cheapest Chico, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Chico, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,002 $5,248
American Family $3,961 $3,961
GEICO $3,494 $3,630
Nationwide $3,922 $3,922
Progressive $4,401 $4,401
State Farm $2,661 $2,661
USAA $2,466 $2,529

The Best Cheap Car Insurance Companies in Chico, TX

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

Average Annual Car Insurance Rates by Company in Chico, Texas

Insurance Company Average Annual Rates
Allstate $5,125
American Family $3,961
GEICO $3,562
Nationwide $3,922
Progressive $4,401
State Farm $2,661
USAA $2,497

Category Winners: Cheapest Car Insurance in Chico, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Chico, Texas

Insurance Company Low Medium High
Allstate $5,003 $5,079 $5,292
American Family $3,709 $3,828 $4,348
GEICO $3,405 $3,530 $3,751
Nationwide $4,246 $3,753 $3,768
Progressive $4,202 $4,380 $4,623
State Farm $2,532 $2,653 $2,797
USAA $2,417 $2,488 $2,586

What affects car insurance rates in Chico, Texas?

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

Commute Time in Chico

The more time you spend in your car the higher the risk of an accident. The average commute length in Chico, TX is 19.7 minutes according to City-Data.

Compare Car Insurance Quotes in Chico, TX

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

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