Compare Electra, TX Car Insurance Rates (2021)

Car insurance in Electra, TX averages $294 a month. Electra, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Electra car insurance rates, compare quotes from the top car insurance companies in Electra, 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

  • Average car insurance rates in Electra, TX after a DUI are $4,025/year
  • The cheapest car insurance company in Electra is USAA
  • Average car insurance rates in Electra, TX are $3,531/year

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

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

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

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

How do age, gender, and marital status affect Electra, TX car insurance rates? Every Electra, 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 Electra, 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 $3,339 $3,379 $3,299 $3,299 $8,831 $10,705 $4,156 $4,349
American Family $2,764 $3,031 $2,424 $2,740 $6,218 $8,188 $3,762 $4,265
GEICO $1,924 $2,052 $1,820 $2,026 $4,071 $4,244 $2,078 $2,093
Nationwide $2,382 $2,428 $2,101 $2,230 $6,721 $8,657 $2,794 $3,029
Progressive $2,425 $2,310 $2,156 $2,198 $10,007 $11,164 $2,872 $2,911
State Farm $1,739 $1,739 $1,546 $1,546 $4,123 $5,247 $1,888 $1,948
USAA $1,346 $1,364 $1,278 $1,282 $3,590 $3,942 $1,787 $1,939

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Minimum Car Insurance in Electra, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Electra, Texas

Insurance Company Poor Fair Good
Allstate $6,577 $4,815 $4,117
American Family $5,879 $3,558 $3,085
GEICO $3,891 $2,224 $1,500
Nationwide $4,554 $3,650 $3,174
Progressive $5,082 $4,380 $4,055
State Farm $3,499 $2,180 $1,738
USAA $3,055 $1,744 $1,399

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

Annual Electra, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,030 $6,177 $6,441 $4,030
American Family $3,829 $4,809 $4,228 $3,829
GEICO $2,162 $2,814 $2,400 $2,778
Nationwide $3,284 $3,284 $4,888 $3,715
Progressive $3,929 $5,073 $4,592 $4,427
State Farm $2,201 $2,519 $2,967 $2,201
USAA $1,555 $2,266 $2,659 $1,783

Cheapest Electra, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Electra, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,831 $10,705
American Family $6,218 $8,188
GEICO $4,071 $4,244
Nationwide $6,721 $8,657
Progressive $10,007 $11,164
State Farm $4,123 $5,247
USAA $3,590 $3,942

Cheapest Electra, TX Car Insurance for Seniors

Take a look at Electra, 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 Electra, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,299 $3,299
American Family $2,424 $2,740
GEICO $1,820 $2,026
Nationwide $2,101 $2,230
Progressive $2,156 $2,198
State Farm $1,546 $1,546
USAA $1,278 $1,282

Cheapest Electra, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Electra, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,441
American Family $4,228
GEICO $2,400
Nationwide $4,888
Progressive $4,592
State Farm $2,967
USAA $2,659

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Cheapest Electra, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Electra, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,049 $5,290
American Family $4,174 $4,174
GEICO $2,490 $2,588
Nationwide $3,793 $3,793
Progressive $4,505 $4,505
State Farm $2,472 $2,472
USAA $2,039 $2,092

The Best Cheap Car Insurance Companies in Electra, TX

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

Average Annual Car Insurance Rates by Company in Electra, Texas

Insurance Company Average Annual Rates
Allstate $5,170
American Family $4,174
GEICO $2,539
Nationwide $3,793
Progressive $4,505
State Farm $2,472
USAA $2,066

Category Winners: Cheapest Car Insurance in Electra, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Electra, Texas

Insurance Company Low Medium High
Allstate $5,076 $5,135 $5,298
American Family $3,970 $4,069 $4,482
GEICO $2,428 $2,515 $2,673
Nationwide $4,105 $3,629 $3,645
Progressive $4,267 $4,484 $4,765
State Farm $2,348 $2,465 $2,602
USAA $2,006 $2,060 $2,131

What affects car insurance rates in Electra, Texas?

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

Car Theft in Electra

High levels of vehicle theft can make car insurance more expensive. Electra, TX car theft statistics from the FBI indicate 4 vehicle thefts a year.

Commute Time in Electra

The more time you spend in your car the higher the risk of an accident. The average commute length in Electra, TX is 20.3 minutes according to City-Data.

Compare Car Insurance Quotes in Electra, TX

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

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