Compare Elgin, TX Car Insurance Rates (2021)

Car insurance in Elgin, TX averages $320 a month. Elgin, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Elgin car insurance rates, compare quotes from the top car insurance companies in Elgin, 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 Elgin is USAA
  • The cheapest car insurance company in Elgin for teen drivers is USAA
  • Average car insurance rates in Elgin, TX are $3,837/year

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

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

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

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

How do age, gender, and marital status affect Elgin, TX car insurance rates? Every Elgin, 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 Elgin, 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 $3,378 $3,398 $3,333 $3,333 $9,120 $10,976 $4,174 $4,333
American Family $2,569 $2,870 $2,449 $2,812 $7,129 $9,343 $3,747 $4,284
GEICO $2,397 $2,598 $2,328 $2,654 $5,300 $5,516 $2,596 $2,588
Nationwide $2,543 $2,585 $2,246 $2,378 $7,260 $9,322 $2,993 $3,239
Progressive $2,245 $2,134 $2,006 $2,039 $9,537 $10,661 $2,665 $2,713
State Farm $2,194 $2,194 $1,959 $1,959 $5,384 $6,883 $2,394 $2,464
USAA $1,568 $1,571 $1,504 $1,485 $4,426 $4,798 $2,079 $2,212

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Minimum Car Insurance in Elgin, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Elgin, Texas

Insurance Company Poor Fair Good
Allstate $6,667 $4,900 $4,200
American Family $6,019 $3,833 $3,349
GEICO $5,011 $2,837 $1,893
Nationwide $4,887 $3,921 $3,404
Progressive $4,773 $4,138 $3,839
State Farm $4,502 $2,802 $2,233
USAA $3,594 $2,088 $1,684

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

Annual Elgin, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,039 $6,324 $6,620 $4,039
American Family $3,991 $5,135 $4,483 $3,991
GEICO $2,757 $3,658 $3,030 $3,543
Nationwide $3,529 $3,529 $5,237 $3,988
Progressive $3,707 $4,801 $4,324 $4,167
State Farm $2,811 $3,242 $3,852 $2,811
USAA $1,828 $2,707 $3,189 $2,098

Cheapest Elgin, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Elgin, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,120 $10,976
American Family $7,129 $9,343
GEICO $5,300 $5,516
Nationwide $7,260 $9,322
Progressive $9,537 $10,661
State Farm $5,384 $6,883
USAA $4,426 $4,798

Cheapest Elgin, TX Car Insurance for Seniors

Take a look at Elgin, 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 Elgin, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,333 $3,333
American Family $2,449 $2,812
GEICO $2,328 $2,654
Nationwide $2,246 $2,378
Progressive $2,006 $2,039
State Farm $1,959 $1,959
USAA $1,504 $1,485

Cheapest Elgin, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Elgin, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,620
American Family $4,483
GEICO $3,030
Nationwide $5,237
Progressive $4,324
State Farm $3,852
USAA $3,189

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Cheapest Elgin, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Elgin, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,127 $5,384
American Family $4,400 $4,400
GEICO $3,188 $3,306
Nationwide $4,071 $4,071
Progressive $4,250 $4,250
State Farm $3,179 $3,179
USAA $2,424 $2,486

The Best Cheap Car Insurance Companies in Elgin, TX

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

Average Annual Car Insurance Rates by Company in Elgin, Texas

Insurance Company Average Annual Rates
Allstate $5,256
American Family $4,400
GEICO $3,247
Nationwide $4,071
Progressive $4,250
State Farm $3,179
USAA $2,455

Category Winners: Cheapest Car Insurance in Elgin, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Elgin, Texas

Insurance Company Low Medium High
Allstate $5,132 $5,209 $5,425
American Family $4,108 $4,241 $4,852
GEICO $3,070 $3,204 $3,468
Nationwide $4,396 $3,901 $3,916
Progressive $4,060 $4,232 $4,457
State Farm $3,008 $3,171 $3,358
USAA $2,364 $2,445 $2,557

What affects car insurance rates in Elgin, Texas?

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

Car Theft in Elgin

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

Commute Time in Elgin

The more time you spend in your car the higher the risk of an accident. The average commute length in Elgin, TX is 28.2 minutes according to City-Data.

Traffic in Elgin

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Elgin, TX traffic data from INRIX ranks Elgin as the 862nd-most congested in the world.

Compare Car Insurance Quotes in Elgin, TX

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

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