Compare Harker Heights, TX Car Insurance Rates (2021)

Car insurance in Harker Heights, TX averages $283 a month. Harker Heights, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Harker Heights car insurance rates, compare quotes from the top car insurance companies in Harker Heights, 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 Harker Heights for teen drivers is USAA
  • Average car insurance rates in Harker Heights, TX are $3,391/year
  • The cheapest car insurance company in Harker Heights is USAA

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

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

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

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

How do age, gender, and marital status affect Harker Heights, TX car insurance rates? Every Harker Heights, 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 Harker Heights, 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 $3,328 $3,353 $3,288 $3,288 $8,835 $10,650 $4,111 $4,272
American Family $2,510 $2,794 $2,357 $2,699 $6,688 $8,751 $3,608 $4,112
GEICO $2,011 $2,160 $1,931 $2,172 $4,354 $4,527 $2,172 $2,176
Nationwide $2,030 $2,064 $1,799 $1,902 $5,705 $7,307 $2,380 $2,570
Progressive $1,995 $1,915 $1,779 $1,812 $8,214 $9,179 $2,376 $2,435
State Farm $1,855 $1,855 $1,655 $1,655 $4,494 $5,738 $2,021 $2,084
USAA $1,355 $1,360 $1,295 $1,281 $3,796 $4,129 $1,795 $1,920

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Minimum Car Insurance in Harker Heights, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Harker Heights, Texas

Insurance Company Poor Fair Good
Allstate $6,547 $4,783 $4,092
American Family $5,745 $3,634 $3,191
GEICO $4,127 $2,354 $1,583
Nationwide $3,855 $3,104 $2,701
Progressive $4,180 $3,612 $3,348
State Farm $3,778 $2,354 $1,877
USAA $3,105 $1,797 $1,448

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

Annual Harker Heights, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,975 $6,179 $6,433 $3,975
American Family $3,832 $4,837 $4,259 $3,832
GEICO $2,287 $3,009 $2,524 $2,932
Nationwide $2,800 $2,800 $4,124 $3,156
Progressive $3,247 $4,171 $3,783 $3,652
State Farm $2,367 $2,722 $3,222 $2,367
USAA $1,582 $2,331 $2,740 $1,813

Cheapest Harker Heights, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Harker Heights, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,835 $10,650
American Family $6,688 $8,751
GEICO $4,354 $4,527
Nationwide $5,705 $7,307
Progressive $8,214 $9,179
State Farm $4,494 $5,738
USAA $3,796 $4,129

Cheapest Harker Heights, TX Car Insurance for Seniors

Take a look at Harker Heights, 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 Harker Heights, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,288 $3,288
American Family $2,357 $2,699
GEICO $1,931 $2,172
Nationwide $1,799 $1,902
Progressive $1,779 $1,812
State Farm $1,655 $1,655
USAA $1,295 $1,281

Cheapest Harker Heights, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Harker Heights, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,433
American Family $4,259
GEICO $2,524
Nationwide $4,124
Progressive $3,783
State Farm $3,222
USAA $2,740

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Cheapest Harker Heights, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Harker Heights, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,016 $5,265
American Family $4,190 $4,190
GEICO $2,640 $2,736
Nationwide $3,220 $3,220
Progressive $3,713 $3,713
State Farm $2,670 $2,670
USAA $2,090 $2,143

The Best Cheap Car Insurance Companies in Harker Heights, TX

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

Average Annual Car Insurance Rates by Company in Harker Heights, Texas

Insurance Company Average Annual Rates
Allstate $5,141
American Family $4,190
GEICO $2,688
Nationwide $3,220
Progressive $3,713
State Farm $2,670
USAA $2,116

Category Winners: Cheapest Car Insurance in Harker Heights, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Harker Heights, Texas

Insurance Company Low Medium High
Allstate $5,006 $5,090 $5,327
American Family $3,888 $4,041 $4,641
GEICO $2,562 $2,662 $2,840
Nationwide $3,477 $3,085 $3,098
Progressive $3,577 $3,701 $3,862
State Farm $2,536 $2,665 $2,808
USAA $2,047 $2,108 $2,194

What affects car insurance rates in Harker Heights, Texas?

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

Car Theft in Harker Heights

High levels of vehicle theft can make car insurance more expensive. Harker Heights, TX car theft statistics from the FBI indicate 43 vehicle thefts a year.

Commute Time in Harker Heights

The more time you spend in your car the higher the risk of an accident. The average commute length in Harker Heights, TX is 22.8 minutes according to City-Data.

Compare Car Insurance Quotes in Harker Heights, TX

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

Free Car Insurance Comparison

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

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