Compare Hardin, TX Car Insurance Rates (2021)

Car insurance in Hardin, TX averages $363 a month. Hardin, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Hardin car insurance rates, compare quotes from the top car insurance companies in Hardin, 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

  • Average car insurance rates in Hardin, TX are $4,359/year
  • The cheapest car insurance company in Hardin for teen drivers is USAA
  • The cheapest car insurance company in Hardin is USAA

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

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

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

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

How do age, gender, and marital status affect Hardin, TX car insurance rates? Every Hardin, 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 Hardin, 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 $3,672 $3,694 $3,624 $3,624 $9,716 $11,692 $4,521 $4,691
American Family $3,389 $3,814 $3,237 $3,750 $9,713 $12,661 $5,021 $5,733
GEICO $2,659 $2,894 $2,590 $2,983 $5,941 $6,144 $2,884 $2,856
Nationwide $2,517 $2,554 $2,223 $2,350 $7,271 $9,326 $2,971 $3,214
Progressive $2,766 $2,616 $2,468 $2,507 $11,927 $13,360 $3,283 $3,329
State Farm $2,240 $2,240 $1,991 $1,991 $5,352 $6,819 $2,435 $2,511
USAA $1,784 $1,797 $1,705 $1,696 $4,977 $5,426 $2,378 $2,555

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Minimum Car Insurance in Hardin, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Hardin, Texas

Insurance Company Poor Fair Good
Allstate $7,190 $5,264 $4,509
American Family $8,013 $5,198 $4,533
GEICO $5,598 $3,159 $2,099
Nationwide $4,858 $3,908 $3,394
Progressive $5,937 $5,142 $4,767
State Farm $4,533 $2,817 $2,242
USAA $4,102 $2,366 $1,902

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

Annual Hardin, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,368 $6,799 $7,083 $4,368
American Family $5,366 $6,898 $6,029 $5,366
GEICO $3,068 $4,081 $3,371 $3,956
Nationwide $3,514 $3,514 $5,214 $3,971
Progressive $4,594 $5,986 $5,378 $5,170
State Farm $2,843 $3,258 $3,845 $2,843
USAA $2,080 $3,074 $3,617 $2,389

Cheapest Hardin, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hardin, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,716 $11,692
American Family $9,713 $12,661
GEICO $5,941 $6,144
Nationwide $7,271 $9,326
Progressive $11,927 $13,360
State Farm $5,352 $6,819
USAA $4,977 $5,426

Cheapest Hardin, TX Car Insurance for Seniors

Take a look at Hardin, 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 Hardin, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,624 $3,624
American Family $3,237 $3,750
GEICO $2,590 $2,983
Nationwide $2,223 $2,350
Progressive $2,468 $2,507
State Farm $1,991 $1,991
USAA $1,705 $1,696

Cheapest Hardin, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hardin, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,083
American Family $6,029
GEICO $3,371
Nationwide $5,214
Progressive $5,378
State Farm $3,845
USAA $3,617

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Cheapest Hardin, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hardin, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,514 $5,795
American Family $5,915 $5,915
GEICO $3,550 $3,687
Nationwide $4,053 $4,053
Progressive $5,282 $5,282
State Farm $3,197 $3,197
USAA $2,754 $2,825

The Best Cheap Car Insurance Companies in Hardin, TX

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

Average Annual Car Insurance Rates by Company in Hardin, Texas

Insurance Company Average Annual Rates
Allstate $5,654
American Family $5,915
GEICO $3,619
Nationwide $4,053
Progressive $5,282
State Farm $3,197
USAA $2,790

Category Winners: Cheapest Car Insurance in Hardin, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Hardin, Texas

Insurance Company Low Medium High
Allstate $5,501 $5,597 $5,865
American Family $5,440 $5,658 $6,646
GEICO $3,395 $3,561 $3,901
Nationwide $4,342 $3,880 $3,937
Progressive $4,992 $5,257 $5,597
State Farm $3,035 $3,187 $3,370
USAA $2,691 $2,778 $2,901

What affects car insurance rates in Hardin, Texas?

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

Commute Time in Hardin

The more time you spend in your car the higher the risk of an accident. The average commute length in Hardin, TX is 34.6 minutes according to City-Data.

Compare Car Insurance Quotes in Hardin, TX

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

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