Compare Josephine, TX Car Insurance Rates (2021)

Car insurance in Josephine, TX averages $333 a month. Josephine, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Josephine car insurance rates, compare quotes from the top car insurance companies in Josephine, 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 Josephine, TX are $3,994/year
  • Average car insurance rates in Josephine, TX after a DUI are $4,564/year
  • The cheapest car insurance company in Josephine for teen drivers is USAA

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

You’ll find Josephine car insurance rates, the cheapest Josephine, TX car insurance companies, and information on Texas car insurance laws. You can also compare Josephine, Texas car insurance rates to Austin car insurance rates, Fort Worth car insurance rates, and El Paso car insurance rates.

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

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

How do age, gender, and marital status affect Josephine, TX car insurance rates? Every Josephine, 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 Josephine, 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 $3,916 $3,939 $3,862 $3,862 $10,479 $12,612 $4,831 $5,017
American Family $2,787 $3,122 $2,641 $3,044 $7,679 $9,974 $4,063 $4,620
GEICO $2,665 $2,879 $2,569 $2,917 $5,870 $6,109 $2,887 $2,885
Nationwide $2,237 $2,270 $1,978 $2,090 $6,434 $8,240 $2,637 $2,849
Progressive $2,219 $2,114 $1,982 $2,017 $9,325 $10,401 $2,632 $2,674
State Farm $2,229 $2,229 $1,994 $1,994 $5,528 $7,076 $2,436 $2,506
USAA $1,609 $1,609 $1,541 $1,518 $4,641 $5,029 $2,143 $2,279

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Minimum Car Insurance in Josephine, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Josephine, Texas

Insurance Company Poor Fair Good
Allstate $7,690 $5,655 $4,850
American Family $6,448 $4,161 $3,615
GEICO $5,564 $3,141 $2,088
Nationwide $4,299 $3,465 $3,012
Progressive $4,686 $4,059 $3,766
State Farm $4,600 $2,864 $2,282
USAA $3,729 $2,165 $1,744

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

Annual Josephine, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,672 $7,290 $7,625 $4,672
American Family $4,304 $5,526 $4,831 $4,304
GEICO $3,050 $4,040 $3,367 $3,933
Nationwide $3,119 $3,119 $4,611 $3,519
Progressive $3,640 $4,704 $4,243 $4,095
State Farm $2,867 $3,314 $3,948 $2,867
USAA $1,890 $2,804 $3,321 $2,169

Cheapest Josephine, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Josephine, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,479 $12,612
American Family $7,679 $9,974
GEICO $5,870 $6,109
Nationwide $6,434 $8,240
Progressive $9,325 $10,401
State Farm $5,528 $7,076
USAA $4,641 $5,029

Cheapest Josephine, TX Car Insurance for Seniors

Take a look at Josephine, 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 Josephine, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,862 $3,862
American Family $2,641 $3,044
GEICO $2,569 $2,917
Nationwide $1,978 $2,090
Progressive $1,982 $2,017
State Farm $1,994 $1,994
USAA $1,541 $1,518

Cheapest Josephine, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Josephine, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,625
American Family $4,831
GEICO $3,367
Nationwide $4,611
Progressive $4,243
State Farm $3,948
USAA $3,321

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Cheapest Josephine, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Josephine, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,914 $6,216
American Family $4,741 $4,741
GEICO $3,530 $3,665
Nationwide $3,592 $3,592
Progressive $4,170 $4,170
State Farm $3,249 $3,249
USAA $2,514 $2,578

The Best Cheap Car Insurance Companies in Josephine, TX

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

Average Annual Car Insurance Rates by Company in Josephine, Texas

Insurance Company Average Annual Rates
Allstate $6,065
American Family $4,741
GEICO $3,598
Nationwide $3,592
Progressive $4,170
State Farm $3,249
USAA $2,546

Category Winners: Cheapest Car Insurance in Josephine, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Josephine, Texas

Insurance Company Low Medium High
Allstate $5,923 $6,012 $6,260
American Family $4,396 $4,555 $5,273
GEICO $3,408 $3,552 $3,832
Nationwide $3,864 $3,440 $3,472
Progressive $3,977 $4,153 $4,381
State Farm $3,067 $3,240 $3,439
USAA $2,458 $2,536 $2,645

What affects car insurance rates in Josephine, Texas?

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

Commute Time in Josephine

The more time you spend in your car the higher the risk of an accident. The average commute length in Josephine, TX is 43.3 minutes according to City-Data.

Compare Car Insurance Quotes in Josephine, TX

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

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