Compare Galveston, TX Car Insurance Rates (2021)

Car insurance in Galveston, TX averages $356 a month. Galveston, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Galveston car insurance rates, compare quotes from the top car insurance companies in Galveston, TX.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

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 Galveston, TX are $4,275/year
  • The cheapest car insurance company in Galveston for teen drivers is USAA
  • The cheapest ZIP code in Galveston is 77555

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

You’ll find Galveston car insurance rates, the cheapest Galveston, TX car insurance companies, and information on Texas car insurance laws. You can also compare Galveston, Texas car insurance rates to Arlington car insurance rates, El Paso car insurance rates, and San Antonio car insurance rates.

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

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

How do age, gender, and marital status affect Galveston, TX car insurance rates? Every Galveston, 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 Galveston, 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 $3,705 $3,731 $3,658 $3,658 $9,726 $11,716 $4,562 $4,741
American Family $3,329 $3,749 $3,193 $3,699 $9,614 $12,533 $4,945 $5,650
GEICO $2,661 $2,896 $2,600 $2,994 $5,943 $6,131 $2,883 $2,848
Nationwide $2,448 $2,490 $2,161 $2,289 $6,980 $8,970 $2,880 $3,118
Progressive $2,912 $2,813 $2,562 $2,624 $11,680 $13,066 $3,492 $3,586
State Farm $2,000 $2,000 $1,789 $1,789 $4,856 $6,197 $2,179 $2,241
USAA $1,677 $1,680 $1,609 $1,589 $4,783 $5,184 $2,231 $2,375

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 Galveston, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Galveston, Texas

Insurance Company Poor Fair Good
Allstate $7,236 $5,293 $4,532
American Family $7,905 $5,135 $4,476
GEICO $5,599 $3,160 $2,100
Nationwide $4,701 $3,773 $3,278
Progressive $6,063 $5,182 $4,781
State Farm $4,067 $2,543 $2,033
USAA $3,865 $2,247 $1,811

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

Annual Galveston, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,409 $6,826 $7,104 $4,409
American Family $5,291 $6,820 $5,953 $5,291
GEICO $3,068 $4,084 $3,370 $3,955
Nationwide $3,394 $3,394 $5,042 $3,837
Progressive $4,656 $5,976 $5,462 $5,273
State Farm $2,552 $2,937 $3,484 $2,552
USAA $1,962 $2,912 $3,437 $2,253

Cheapest Galveston, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Galveston, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,726 $11,716
American Family $9,614 $12,533
GEICO $5,943 $6,131
Nationwide $6,980 $8,970
Progressive $11,680 $13,066
State Farm $4,856 $6,197
USAA $4,783 $5,184

Cheapest Galveston, TX Car Insurance for Seniors

Take a look at Galveston, 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 Galveston, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,658 $3,658
American Family $3,193 $3,699
GEICO $2,600 $2,994
Nationwide $2,161 $2,289
Progressive $2,562 $2,624
State Farm $1,789 $1,789
USAA $1,609 $1,589

Cheapest Galveston, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Galveston, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,104
American Family $5,953
GEICO $3,370
Nationwide $5,042
Progressive $5,462
State Farm $3,484
USAA $3,437

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Galveston, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Galveston, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,547 $5,827
American Family $5,839 $5,839
GEICO $3,552 $3,687
Nationwide $3,917 $3,917
Progressive $5,342 $5,342
State Farm $2,881 $2,881
USAA $2,608 $2,674

Cheapest Galveston, TX Car Insurance Rates by ZIP Code

Galveston car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Galveston, TX.

Annual Car Insurance Rates by ZIP Code in Galveston, Texas

ZIP Code Average Annual Rates
77550 $6,388
77551 $6,481
77554 $6,361
77555 $6,309

The Best Cheap Car Insurance Companies in Galveston, TX

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

Average Annual Car Insurance Rates by Company in Galveston, Texas

Insurance Company Average Annual Rates
Allstate $5,687
American Family $5,839
GEICO $3,619
Nationwide $3,917
Progressive $5,342
State Farm $2,881
USAA $2,641

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Galveston, Texas

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

Best Annual Car Insurance Rates by Company in Galveston, Texas

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

Cheapest Galveston, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Galveston, Texas

Insurance Company Low Medium High
Allstate $5,534 $5,630 $5,897
American Family $5,372 $5,582 $6,563
GEICO $3,393 $3,562 $3,903
Nationwide $4,223 $3,749 $3,779
Progressive $5,125 $5,323 $5,577
State Farm $2,715 $2,871 $3,057
USAA $2,542 $2,629 $2,751

What affects car insurance rates in Galveston, Texas?

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

Car Theft in Galveston

High levels of vehicle theft can make car insurance more expensive. Galveston, TX car theft statistics from the FBI indicate 253 vehicle thefts a year.

Commute Time in Galveston

The more time you spend in your car the higher the risk of an accident. The average commute length in Galveston, TX is 20.2 minutes according to City-Data.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Galveston, TX

Ready to find affordable Galveston, Texas car insurance today? Enter your ZIP code for fast, free Galveston, 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