Compare Commerce, TX Car Insurance Rates (2021)

Car insurance in Commerce, TX averages $290 a month. Commerce, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Commerce car insurance rates, compare quotes from the top car insurance companies in Commerce, TX.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Commerce is USAA
  • Average car insurance rates in Commerce, TX are $3,481/year
  • The cheapest car insurance company in Commerce for teen drivers is USAA

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

You’ll find Commerce car insurance rates, the cheapest Commerce, TX car insurance companies, and information on Texas car insurance laws. You can also compare Commerce, Texas car insurance rates to Fort Worth car insurance rates, Austin car insurance rates, and Corpus Christi car insurance rates.

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

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

How do age, gender, and marital status affect Commerce, TX car insurance rates? Every Commerce, 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 Commerce, 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 $2,411 $2,669 $2,235 $2,545 $6,188 $8,139 $3,417 $3,898
GEICO $2,102 $2,257 $2,033 $2,281 $4,474 $4,658 $2,259 $2,257
Nationwide $2,268 $2,304 $2,010 $2,124 $6,366 $8,151 $2,659 $2,871
Progressive $2,174 $2,076 $1,935 $1,973 $8,907 $9,938 $2,577 $2,621
State Farm $1,904 $1,904 $1,694 $1,694 $4,553 $5,802 $2,069 $2,135
USAA $1,506 $1,517 $1,437 $1,428 $4,215 $4,597 $2,008 $2,158

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Minimum Car Insurance in Commerce, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Commerce, Texas

Insurance Company Poor Fair Good
Allstate $6,265 $4,608 $3,948
American Family $5,449 $3,390 $2,975
GEICO $4,289 $2,442 $1,640
Nationwide $4,312 $3,463 $3,008
Progressive $4,538 $3,913 $3,624
State Farm $3,851 $2,397 $1,910
USAA $3,468 $1,999 $1,607

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

Annual Commerce, 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 $3,600 $4,551 $4,000 $3,600
GEICO $2,373 $3,116 $2,623 $3,049
Nationwide $3,125 $3,125 $4,603 $3,523
Progressive $3,516 $4,524 $4,103 $3,957
State Farm $2,417 $2,771 $3,271 $2,417
USAA $1,761 $2,593 $3,060 $2,020

Cheapest Commerce, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Commerce, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,527 $10,298
American Family $6,188 $8,139
GEICO $4,474 $4,658
Nationwide $6,366 $8,151
Progressive $8,907 $9,938
State Farm $4,553 $5,802
USAA $4,215 $4,597

Cheapest Commerce, TX Car Insurance for Seniors

Take a look at Commerce, 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 Commerce, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,133 $3,133
American Family $2,235 $2,545
GEICO $2,033 $2,281
Nationwide $2,010 $2,124
Progressive $1,935 $1,973
State Farm $1,694 $1,694
USAA $1,437 $1,428

Cheapest Commerce, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Commerce, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,201
American Family $4,000
GEICO $2,623
Nationwide $4,603
Progressive $4,103
State Farm $3,271
USAA $3,060

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Cheapest Commerce, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Commerce, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,822 $5,058
American Family $3,938 $3,938
GEICO $2,739 $2,841
Nationwide $3,594 $3,594
Progressive $4,025 $4,025
State Farm $2,719 $2,719
USAA $2,329 $2,388

The Best Cheap Car Insurance Companies in Commerce, TX

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

Average Annual Car Insurance Rates by Company in Commerce, Texas

Insurance Company Average Annual Rates
Allstate $4,940
American Family $3,938
GEICO $2,790
Nationwide $3,594
Progressive $4,025
State Farm $2,719
USAA $2,358

Category Winners: Cheapest Car Insurance in Commerce, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Commerce, Texas

Insurance Company Low Medium High
Allstate $4,847 $4,905 $5,069
American Family $3,679 $3,802 $4,332
GEICO $2,649 $2,756 $2,965
Nationwide $3,859 $3,443 $3,482
Progressive $3,835 $4,008 $4,233
State Farm $2,582 $2,710 $2,866
USAA $2,283 $2,349 $2,443

What affects car insurance rates in Commerce, Texas?

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

Car Theft in Commerce

High levels of vehicle theft can make car insurance more expensive. Commerce, TX car theft statistics from the FBI indicate 12 vehicle thefts a year.

Commute Time in Commerce

The more time you spend in your car the higher the risk of an accident. The average commute length in Commerce, TX is 18.3 minutes according to City-Data.

Compare Car Insurance Quotes in Commerce, TX

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

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