Compare Murphy, TX Car Insurance Rates (2021)

Car insurance in Murphy, TX averages $323 a month. Murphy, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Murphy car insurance rates, compare quotes from the top car insurance companies in Murphy, 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 Murphy for teen drivers is USAA
  • The cheapest car insurance company in Murphy is USAA
  • Average car insurance rates in Murphy, TX after a DUI are $4,420/year

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

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

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

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

How do age, gender, and marital status affect Murphy, TX car insurance rates? Every Murphy, 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 Murphy, 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 $3,476 $3,494 $3,428 $3,428 $9,373 $11,278 $4,292 $4,452
American Family $2,672 $2,984 $2,531 $2,907 $7,332 $9,603 $3,885 $4,437
GEICO $2,736 $2,966 $2,649 $3,029 $6,153 $6,355 $2,969 $2,952
Nationwide $2,218 $2,251 $1,961 $2,073 $6,340 $8,128 $2,611 $2,823
Progressive $2,317 $2,219 $2,065 $2,105 $9,664 $10,777 $2,760 $2,812
State Farm $2,119 $2,119 $1,896 $1,896 $5,251 $6,721 $2,316 $2,380
USAA $1,588 $1,583 $1,526 $1,496 $4,637 $5,006 $2,113 $2,233

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Minimum Car Insurance in Murphy, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Murphy, Texas

Insurance Company Poor Fair Good
Allstate $6,854 $5,035 $4,318
American Family $6,219 $3,958 $3,455
GEICO $5,768 $3,252 $2,159
Nationwide $4,248 $3,424 $2,979
Progressive $4,882 $4,222 $3,915
State Farm $4,370 $2,722 $2,170
USAA $3,684 $2,149 $1,734

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

Annual Murphy, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,146 $6,512 $6,806 $4,146
American Family $4,126 $5,296 $4,628 $4,126
GEICO $3,156 $4,207 $3,475 $4,066
Nationwide $3,081 $3,081 $4,561 $3,479
Progressive $3,787 $4,885 $4,418 $4,269
State Farm $2,724 $3,149 $3,752 $2,724
USAA $1,868 $2,780 $3,299 $2,144

Cheapest Murphy, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Murphy, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,373 $11,278
American Family $7,332 $9,603
GEICO $6,153 $6,355
Nationwide $6,340 $8,128
Progressive $9,664 $10,777
State Farm $5,251 $6,721
USAA $4,637 $5,006

Cheapest Murphy, TX Car Insurance for Seniors

Take a look at Murphy, 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 Murphy, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,428 $3,428
American Family $2,531 $2,907
GEICO $2,649 $3,029
Nationwide $1,961 $2,073
Progressive $2,065 $2,105
State Farm $1,896 $1,896
USAA $1,526 $1,496

Cheapest Murphy, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Murphy, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,806
American Family $4,628
GEICO $3,475
Nationwide $4,561
Progressive $4,418
State Farm $3,752
USAA $3,299

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Cheapest Murphy, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Murphy, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,266 $5,539
American Family $4,544 $4,544
GEICO $3,660 $3,793
Nationwide $3,551 $3,551
Progressive $4,340 $4,340
State Farm $3,087 $3,087
USAA $2,491 $2,554

The Best Cheap Car Insurance Companies in Murphy, TX

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

Average Annual Car Insurance Rates by Company in Murphy, Texas

Insurance Company Average Annual Rates
Allstate $5,403
American Family $4,544
GEICO $3,726
Nationwide $3,551
Progressive $4,340
State Farm $3,087
USAA $2,523

Category Winners: Cheapest Car Insurance in Murphy, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Murphy, Texas

Insurance Company Low Medium High
Allstate $5,276 $5,355 $5,577
American Family $4,244 $4,384 $5,004
GEICO $3,524 $3,685 $3,970
Nationwide $3,821 $3,403 $3,428
Progressive $4,155 $4,324 $4,540
State Farm $2,913 $3,080 $3,268
USAA $2,431 $2,512 $2,625

What affects car insurance rates in Murphy, Texas?

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

Car Theft in Murphy

High levels of vehicle theft can make car insurance more expensive. Murphy, TX car theft statistics from the FBI indicate 5 vehicle thefts a year.

Commute Time in Murphy

The more time you spend in your car the higher the risk of an accident. The average commute length in Murphy, TX is 33.0 minutes according to City-Data.

Compare Car Insurance Quotes in Murphy, TX

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

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