Compare Garden Ridge, TX Car Insurance Rates (2022)

Car insurance in Garden Ridge, TX averages $312 a month. Garden Ridge, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Garden Ridge car insurance rates, compare quotes from the top car insurance companies in Garden Ridge, TX.

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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.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 22, 2022

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Here's What You Need to Know

  • The cheapest car insurance company in Garden Ridge is USAA
  • Average car insurance rates in Garden Ridge, TX after a DUI are $4,252/year
  • Average car insurance rates in Garden Ridge, TX are $3,743/year

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

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

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

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

How do age, gender, and marital status affect Garden Ridge, TX car insurance rates? Every Garden Ridge, 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 Garden Ridge, 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 $3,198 $3,227 $3,155 $3,155 $8,562 $10,345 $3,969 $4,140
American Family $2,567 $2,858 $2,398 $2,747 $6,766 $8,831 $3,679 $4,185
GEICO $2,503 $2,711 $2,429 $2,781 $5,576 $5,721 $2,709 $2,678
Nationwide $2,359 $2,395 $2,086 $2,204 $6,772 $8,674 $2,780 $3,004
Progressive $2,373 $2,244 $2,125 $2,160 $10,219 $11,392 $2,807 $2,837
State Farm $2,110 $2,110 $1,879 $1,879 $5,086 $6,486 $2,296 $2,364
USAA $1,438 $1,441 $1,380 $1,363 $4,085 $4,429 $1,912 $2,035

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Minimum Car Insurance in Garden Ridge, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Garden Ridge, Texas

Insurance Company Poor Fair Good
Allstate $6,303 $4,634 $3,970
American Family $5,837 $3,699 $3,224
GEICO $5,234 $2,960 $1,971
Nationwide $4,535 $3,649 $3,169
Progressive $5,065 $4,403 $4,090
State Farm $4,287 $2,667 $2,124
USAA $3,301 $1,925 $1,555

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

Annual Garden Ridge, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,847 $5,951 $6,230 $3,847
American Family $3,875 $4,937 $4,327 $3,875
GEICO $2,872 $3,817 $3,164 $3,700
Nationwide $3,286 $3,286 $4,858 $3,708
Progressive $3,939 $5,119 $4,593 $4,428
State Farm $2,685 $3,084 $3,650 $2,685
USAA $1,682 $2,490 $2,939 $1,930

Cheapest Garden Ridge, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Garden Ridge, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,562 $10,345
American Family $6,766 $8,831
GEICO $5,576 $5,721
Nationwide $6,772 $8,674
Progressive $10,219 $11,392
State Farm $5,086 $6,486
USAA $4,085 $4,429

Cheapest Garden Ridge, TX Car Insurance for Seniors

Take a look at Garden Ridge, 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 Garden Ridge, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,155 $3,155
American Family $2,398 $2,747
GEICO $2,429 $2,781
Nationwide $2,086 $2,204
Progressive $2,125 $2,160
State Farm $1,879 $1,879
USAA $1,380 $1,363

Cheapest Garden Ridge, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Garden Ridge, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,230
American Family $4,327
GEICO $3,164
Nationwide $4,858
Progressive $4,593
State Farm $3,650
USAA $2,939

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Cheapest Garden Ridge, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Garden Ridge, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,850 $5,087
American Family $4,254 $4,254
GEICO $3,327 $3,449
Nationwide $3,784 $3,784
Progressive $4,520 $4,520
State Farm $3,026 $3,026
USAA $2,232 $2,289

The Best Cheap Car Insurance Companies in Garden Ridge, TX

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

Average Annual Car Insurance Rates by Company in Garden Ridge, Texas

Insurance Company Average Annual Rates
Allstate $4,969
American Family $4,254
GEICO $3,388
Nationwide $3,784
Progressive $4,519
State Farm $3,026
USAA $2,260

Category Winners: Cheapest Car Insurance in Garden Ridge, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Garden Ridge, Texas

Insurance Company Low Medium High
Allstate $4,875 $4,934 $5,097
American Family $3,962 $4,097 $4,702
GEICO $3,192 $3,347 $3,627
Nationwide $4,075 $3,625 $3,653
Progressive $4,291 $4,498 $4,769
State Farm $2,864 $3,018 $3,196
USAA $2,177 $2,250 $2,354

What affects car insurance rates in Garden Ridge, Texas?

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

Car Theft in Garden Ridge

High levels of vehicle theft can make car insurance more expensive. Garden Ridge, TX car theft statistics from the FBI indicate 2 vehicle thefts a year.

Commute Time in Garden Ridge

The more time you spend in your car the higher the risk of an accident. The average commute length in Garden Ridge, TX is 29.2 minutes according to City-Data.

Compare Car Insurance Quotes in Garden Ridge, TX

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

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

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