Compare Gary, TX Car Insurance Rates (2021)

Car insurance in Gary, TX averages $332 a month. Gary, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Gary car insurance rates, compare quotes from the top car insurance companies in Gary, 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 Gary is USAA
  • Average car insurance rates in Gary, TX are $3,989/year
  • The cheapest car insurance company in Gary for teen drivers is USAA

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

You’ll find Gary car insurance rates, the cheapest Gary, TX car insurance companies, and information on Texas car insurance laws. You can also compare Gary, Texas car insurance rates to Fort Worth car insurance rates, Houston car insurance rates, and San Antonio car insurance rates.

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

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

How do age, gender, and marital status affect Gary, TX car insurance rates? Every Gary, 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 Gary, 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 $3,951 $4,001 $3,903 $3,903 $10,129 $12,282 $4,893 $5,122
American Family $2,635 $2,933 $2,463 $2,821 $6,980 $9,136 $3,783 $4,311
GEICO $2,199 $2,366 $2,127 $2,398 $4,693 $4,876 $2,367 $2,358
Nationwide $2,466 $2,507 $2,177 $2,305 $7,052 $9,052 $2,903 $3,140
Progressive $2,792 $2,634 $2,498 $2,537 $12,154 $13,570 $3,307 $3,335
State Farm $2,006 $2,006 $1,778 $1,778 $4,698 $5,970 $2,173 $2,245
USAA $1,568 $1,580 $1,496 $1,487 $4,400 $4,800 $2,093 $2,250

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Minimum Car Insurance in Gary, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Gary, Texas

Insurance Company Poor Fair Good
Allstate $7,676 $5,603 $4,790
American Family $6,017 $3,802 $3,329
GEICO $4,498 $2,557 $1,713
Nationwide $4,741 $3,806 $3,304
Progressive $6,004 $5,215 $4,841
State Farm $4,014 $2,495 $1,986
USAA $3,619 $2,084 $1,674

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

Annual Gary, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,736 $7,176 $7,443 $4,736
American Family $4,002 $5,071 $4,456 $4,002
GEICO $2,485 $3,262 $2,747 $3,198
Nationwide $3,425 $3,425 $5,080 $3,870
Progressive $4,656 $6,076 $5,442 $5,240
State Farm $2,528 $2,884 $3,387 $2,528
USAA $1,835 $2,704 $3,192 $2,106

Cheapest Gary, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gary, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,129 $12,282
American Family $6,980 $9,136
GEICO $4,693 $4,876
Nationwide $7,052 $9,052
Progressive $12,154 $13,570
State Farm $4,698 $5,970
USAA $4,400 $4,800

Cheapest Gary, TX Car Insurance for Seniors

Take a look at Gary, 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 Gary, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,903 $3,903
American Family $2,463 $2,821
GEICO $2,127 $2,398
Nationwide $2,177 $2,305
Progressive $2,498 $2,537
State Farm $1,778 $1,778
USAA $1,496 $1,487

Cheapest Gary, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gary, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,443
American Family $4,456
GEICO $2,747
Nationwide $5,080
Progressive $5,442
State Farm $3,387
USAA $3,192

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Cheapest Gary, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gary, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,879 $6,167
American Family $4,383 $4,383
GEICO $2,868 $2,978
Nationwide $3,950 $3,950
Progressive $5,353 $5,353
State Farm $2,832 $2,832
USAA $2,428 $2,490

The Best Cheap Car Insurance Companies in Gary, TX

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

Average Annual Car Insurance Rates by Company in Gary, Texas

Insurance Company Average Annual Rates
Allstate $6,023
American Family $4,383
GEICO $2,923
Nationwide $3,950
Progressive $5,353
State Farm $2,832
USAA $2,459

Category Winners: Cheapest Car Insurance in Gary, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Gary, Texas

Insurance Company Low Medium High
Allstate $5,896 $5,976 $6,198
American Family $4,059 $4,210 $4,878
GEICO $2,764 $2,882 $3,123
Nationwide $4,253 $3,780 $3,818
Progressive $5,049 $5,327 $5,684
State Farm $2,695 $2,821 $2,979
USAA $2,380 $2,450 $2,547

What affects car insurance rates in Gary, Texas?

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

Commute Time in Gary

The more time you spend in your car the higher the risk of an accident. The average commute length in Gary, TX is 33.3 minutes according to City-Data.

Traffic in Gary

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Gary, TX traffic data from INRIX ranks Gary as the 948th-most congested in the world.

Compare Car Insurance Quotes in Gary, TX

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

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