Compare Cottonwood Shores, TX Car Insurance Rates (2021)

Car insurance in Cottonwood Shores, TX averages $312 a month. Cottonwood Shores, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Cottonwood Shores car insurance rates, compare quotes from the top car insurance companies in Cottonwood Shores, 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 Cottonwood Shores, TX after a DUI are $4,250/year
  • The cheapest car insurance company in Cottonwood Shores for teen drivers is USAA
  • Average car insurance rates in Cottonwood Shores, TX are $3,744/year

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

You’ll find Cottonwood Shores car insurance rates, the cheapest Cottonwood Shores, TX car insurance companies, and information on Texas car insurance laws. You can also compare Cottonwood Shores, Texas car insurance rates to El Paso car insurance rates, Austin car insurance rates, and Houston car insurance rates.

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

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

How do age, gender, and marital status affect Cottonwood Shores, TX car insurance rates? Every Cottonwood Shores, 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 Cottonwood Shores, 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 $3,150 $3,176 $3,107 $3,107 $8,486 $10,243 $3,908 $4,073
American Family $2,920 $3,247 $2,698 $3,090 $7,600 $9,963 $4,172 $4,755
GEICO $2,350 $2,530 $2,262 $2,551 $5,083 $5,304 $2,539 $2,542
Nationwide $2,213 $2,253 $1,957 $2,074 $6,162 $7,918 $2,588 $2,801
Progressive $2,487 $2,407 $2,184 $2,240 $9,724 $10,871 $2,975 $3,063
State Farm $2,104 $2,104 $1,865 $1,865 $4,951 $6,296 $2,281 $2,357
USAA $1,520 $1,531 $1,451 $1,442 $4,265 $4,651 $2,028 $2,178

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Minimum Car Insurance in Cottonwood Shores, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Cottonwood Shores, Texas

Insurance Company Poor Fair Good
Allstate $6,220 $4,577 $3,922
American Family $6,624 $4,167 $3,625
GEICO $4,850 $2,749 $1,837
Nationwide $4,195 $3,365 $2,927
Progressive $5,110 $4,356 $4,015
State Farm $4,222 $2,623 $2,088
USAA $3,502 $2,022 $1,626

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

Annual Cottonwood Shores, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,788 $5,884 $6,166 $3,788
American Family $4,373 $5,588 $4,888 $4,373
GEICO $2,672 $3,518 $2,952 $3,439
Nationwide $3,034 $3,034 $4,489 $3,426
Progressive $3,925 $5,008 $4,600 $4,442
State Farm $2,656 $3,033 $3,565 $2,656
USAA $1,778 $2,621 $3,093 $2,041

Cheapest Cottonwood Shores, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cottonwood Shores, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,486 $10,243
American Family $7,600 $9,963
GEICO $5,083 $5,304
Nationwide $6,162 $7,918
Progressive $9,724 $10,871
State Farm $4,951 $6,296
USAA $4,265 $4,651

Cheapest Cottonwood Shores, TX Car Insurance for Seniors

Take a look at Cottonwood Shores, 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 Cottonwood Shores, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,107 $3,107
American Family $2,698 $3,090
GEICO $2,262 $2,551
Nationwide $1,957 $2,074
Progressive $2,184 $2,240
State Farm $1,865 $1,865
USAA $1,451 $1,442

Cheapest Cottonwood Shores, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cottonwood Shores, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,166
American Family $4,888
GEICO $2,952
Nationwide $4,489
Progressive $4,600
State Farm $3,565
USAA $3,093

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Cheapest Cottonwood Shores, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cottonwood Shores, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,789 $5,024
American Family $4,805 $4,805
GEICO $3,086 $3,205
Nationwide $3,496 $3,496
Progressive $4,494 $4,494
State Farm $2,978 $2,978
USAA $2,353 $2,414

The Best Cheap Car Insurance Companies in Cottonwood Shores, TX

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

Average Annual Car Insurance Rates by Company in Cottonwood Shores, Texas

Insurance Company Average Annual Rates
Allstate $4,906
American Family $4,805
GEICO $3,145
Nationwide $3,496
Progressive $4,494
State Farm $2,978
USAA $2,383

Category Winners: Cheapest Car Insurance in Cottonwood Shores, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Cottonwood Shores, Texas

Insurance Company Low Medium High
Allstate $4,813 $4,871 $5,035
American Family $4,514 $4,653 $5,249
GEICO $2,986 $3,106 $3,344
Nationwide $3,769 $3,346 $3,372
Progressive $4,333 $4,478 $4,671
State Farm $2,840 $2,971 $3,122
USAA $2,305 $2,374 $2,471

What affects car insurance rates in Cottonwood Shores, Texas?

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

Commute Time in Cottonwood Shores

The more time you spend in your car the higher the risk of an accident. The average commute length in Cottonwood Shores, TX is 23.5 minutes according to City-Data.

Compare Car Insurance Quotes in Cottonwood Shores, TX

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

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