Compare Desoto, TX Car Insurance Rates (2021)

Car insurance in Desoto, TX averages $364 a month. Desoto, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Desoto car insurance rates, compare quotes from the top car insurance companies in Desoto, TX.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in DeSoto, TX are $4,368/year
  • Average car insurance rates in DeSoto, TX after a DUI are $4,979/year
  • The cheapest car insurance company in DeSoto is USAA

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

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

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

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

How do age, gender, and marital status affect DeSoto, TX car insurance rates? Every DeSoto, 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 DeSoto, 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 $4,094 $4,123 $4,039 $4,039 $10,830 $13,051 $5,050 $5,249
American Family $3,506 $3,938 $3,329 $3,850 $9,941 $13,004 $5,174 $5,917
GEICO $2,587 $2,796 $2,506 $2,853 $5,696 $5,879 $2,796 $2,775
Nationwide $2,505 $2,548 $2,209 $2,342 $7,142 $9,189 $2,947 $3,194
Progressive $2,408 $2,299 $2,138 $2,180 $9,929 $11,099 $2,861 $2,916
State Farm $2,342 $2,342 $2,092 $2,092 $5,679 $7,245 $2,551 $2,623
USAA $1,805 $1,806 $1,735 $1,711 $5,136 $5,558 $2,394 $2,542

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in DeSoto, TX

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

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

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

Annual Car Insurance Rates by Credit Score in DeSoto, Texas

Insurance Company Poor Fair Good
Allstate $8,018 $5,876 $5,035
American Family $8,267 $5,323 $4,656
GEICO $5,388 $3,044 $2,026
Nationwide $4,811 $3,861 $3,357
Progressive $5,055 $4,353 $4,028
State Farm $4,765 $2,973 $2,373
USAA $4,145 $2,415 $1,948

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

Annual DeSoto, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,878 $7,582 $7,899 $4,878
American Family $5,530 $7,075 $6,194 $5,530
GEICO $2,955 $3,916 $3,262 $3,811
Nationwide $3,471 $3,471 $5,169 $3,927
Progressive $3,907 $5,038 $4,568 $4,402
State Farm $2,986 $3,436 $4,074 $2,986
USAA $2,105 $3,133 $3,687 $2,418

Cheapest DeSoto, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in DeSoto, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,830 $13,051
American Family $9,941 $13,004
GEICO $5,696 $5,879
Nationwide $7,142 $9,189
Progressive $9,929 $11,099
State Farm $5,679 $7,245
USAA $5,136 $5,558

Cheapest DeSoto, TX Car Insurance for Seniors

Take a look at DeSoto, 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 DeSoto, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,039 $4,039
American Family $3,329 $3,850
GEICO $2,506 $2,853
Nationwide $2,209 $2,342
Progressive $2,138 $2,180
State Farm $2,092 $2,092
USAA $1,735 $1,711

Cheapest DeSoto, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in DeSoto, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,899
American Family $6,194
GEICO $3,262
Nationwide $5,169
Progressive $4,568
State Farm $4,074
USAA $3,687

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest DeSoto, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in DeSoto, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,151 $6,468
American Family $6,082 $6,082
GEICO $3,422 $3,550
Nationwide $4,010 $4,010
Progressive $4,479 $4,479
State Farm $3,371 $3,371
USAA $2,800 $2,872

The Best Cheap Car Insurance Companies in DeSoto, TX

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

Average Annual Car Insurance Rates by Company in DeSoto, Texas

Insurance Company Average Annual Rates
Allstate $6,309
American Family $6,082
GEICO $3,486
Nationwide $4,010
Progressive $4,479
State Farm $3,371
USAA $2,836

Category Winners: Cheapest Car Insurance in DeSoto, Texas

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

Best Annual Car Insurance Rates by Company in DeSoto, Texas

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest DeSoto, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in DeSoto, Texas

Insurance Company Low Medium High
Allstate $6,157 $6,252 $6,519
American Family $5,584 $5,814 $6,849
GEICO $3,290 $3,441 $3,727
Nationwide $4,314 $3,838 $3,876
Progressive $4,270 $4,459 $4,707
State Farm $3,171 $3,354 $3,587
USAA $2,722 $2,823 $2,963

What affects car insurance rates in DeSoto, Texas?

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

Car Theft in DeSoto

High levels of vehicle theft can make car insurance more expensive. DeSoto, TX car theft statistics from the FBI indicate 185 vehicle thefts a year.

Commute Time in DeSoto

The more time you spend in your car the higher the risk of an accident. The average commute length in DeSoto, TX is 31.7 minutes according to City-Data.

Compare Car Insurance Quotes in DeSoto, TX

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption