Compare Elkhart, TX Car Insurance Rates (2021)

Car insurance in Elkhart, TX averages $310 a month. Elkhart, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Elkhart car insurance rates, compare quotes from the top car insurance companies in Elkhart, 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 Elkhart for teen drivers is USAA
  • The cheapest car insurance company in Elkhart is USAA
  • Average car insurance rates in Elkhart, TX after a DUI are $4,219/year

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

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

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

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

How do age, gender, and marital status affect Elkhart, TX car insurance rates? Every Elkhart, 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 Elkhart, 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 $3,284 $3,312 $3,244 $3,244 $8,642 $10,424 $4,054 $4,220
American Family $2,302 $2,546 $2,127 $2,419 $5,817 $7,639 $3,244 $3,695
GEICO $2,557 $2,755 $2,466 $2,771 $5,535 $5,830 $2,763 $2,781
Nationwide $2,221 $2,260 $1,965 $2,080 $6,237 $8,009 $2,603 $2,816
Progressive $2,625 $2,493 $2,334 $2,381 $11,096 $12,364 $3,116 $3,161
State Farm $2,074 $2,074 $1,839 $1,839 $4,871 $6,191 $2,248 $2,322
USAA $1,553 $1,565 $1,481 $1,473 $4,353 $4,751 $2,073 $2,230

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Minimum Car Insurance in Elkhart, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Elkhart, Texas

Insurance Company Poor Fair Good
Allstate $6,432 $4,703 $4,024
American Family $5,159 $3,205 $2,807
GEICO $5,303 $2,998 $1,996
Nationwide $4,227 $3,394 $2,952
Progressive $5,564 $4,813 $4,462
State Farm $4,157 $2,583 $2,056
USAA $3,583 $2,063 $1,658

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

Annual Elkhart, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,925 $6,054 $6,307 $3,925
American Family $3,406 $4,300 $3,782 $3,406
GEICO $2,914 $3,846 $3,218 $3,750
Nationwide $3,059 $3,059 $4,526 $3,453
Progressive $4,310 $5,582 $5,035 $4,858
State Farm $2,616 $2,987 $3,509 $2,616
USAA $1,817 $2,677 $3,159 $2,086

Cheapest Elkhart, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Elkhart, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,642 $10,424
American Family $5,817 $7,639
GEICO $5,535 $5,830
Nationwide $6,237 $8,009
Progressive $11,096 $12,364
State Farm $4,871 $6,191
USAA $4,353 $4,751

Cheapest Elkhart, TX Car Insurance for Seniors

Take a look at Elkhart, 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 Elkhart, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,244 $3,244
American Family $2,127 $2,419
GEICO $2,466 $2,771
Nationwide $1,965 $2,080
Progressive $2,334 $2,381
State Farm $1,839 $1,839
USAA $1,481 $1,473

Cheapest Elkhart, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Elkhart, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,307
American Family $3,782
GEICO $3,218
Nationwide $4,526
Progressive $5,035
State Farm $3,509
USAA $3,159

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Cheapest Elkhart, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Elkhart, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,933 $5,173
American Family $3,724 $3,724
GEICO $3,368 $3,496
Nationwide $3,524 $3,524
Progressive $4,946 $4,946
State Farm $2,932 $2,932
USAA $2,404 $2,465

The Best Cheap Car Insurance Companies in Elkhart, TX

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

Average Annual Car Insurance Rates by Company in Elkhart, Texas

Insurance Company Average Annual Rates
Allstate $5,053
American Family $3,724
GEICO $3,432
Nationwide $3,524
Progressive $4,946
State Farm $2,932
USAA $2,435

Category Winners: Cheapest Car Insurance in Elkhart, Texas

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

Best Annual Car Insurance Rates by Company in Elkhart, Texas

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

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Cheapest Elkhart, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Elkhart, Texas

Insurance Company Low Medium High
Allstate $4,923 $5,004 $5,232
American Family $3,485 $3,597 $4,090
GEICO $3,269 $3,390 $3,638
Nationwide $3,795 $3,373 $3,404
Progressive $4,723 $4,923 $5,192
State Farm $2,791 $2,923 $3,083
USAA $2,357 $2,425 $2,522

What affects car insurance rates in Elkhart, Texas?

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

Commute Time in Elkhart

The more time you spend in your car the higher the risk of an accident. The average commute length in Elkhart, TX is 24.3 minutes according to City-Data.

Compare Car Insurance Quotes in Elkhart, TX

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

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