Compare Pampa, TX Car Insurance Rates (2021)

Car insurance in Pampa, TX averages $316 a month. Pampa, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Pampa car insurance rates, compare quotes from the top car insurance companies in Pampa, 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 Pampa, TX are $3,793/year
  • The cheapest car insurance company in Pampa is USAA
  • Average car insurance rates in Pampa, TX after a DUI are $4,309/year

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

You’ll find Pampa car insurance rates, the cheapest Pampa, TX car insurance companies, and information on Texas car insurance laws. You can also compare Pampa, Texas car insurance rates to San Antonio car insurance rates, Arlington car insurance rates, and Austin car insurance rates.

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

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

How do age, gender, and marital status affect Pampa, TX car insurance rates? Every Pampa, 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 Pampa, 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 $3,611 $3,669 $3,570 $3,570 $9,262 $11,278 $4,500 $4,732
American Family $2,961 $3,248 $2,597 $2,935 $6,725 $8,907 $4,044 $4,600
GEICO $2,406 $2,529 $2,193 $2,379 $4,937 $5,209 $2,605 $2,669
Nationwide $2,471 $2,522 $2,179 $2,317 $6,871 $8,867 $2,888 $3,134
Progressive $2,450 $2,352 $2,161 $2,216 $9,794 $10,896 $2,912 $2,970
State Farm $1,871 $1,871 $1,654 $1,654 $4,306 $5,460 $2,022 $2,092
USAA $1,594 $1,639 $1,497 $1,531 $4,047 $4,518 $2,138 $2,373

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Minimum Car Insurance in Pampa, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Pampa, Texas

Insurance Company Poor Fair Good
Allstate $7,047 $5,140 $4,386
American Family $6,352 $3,824 $3,331
GEICO $4,803 $2,724 $1,820
Nationwide $4,700 $3,754 $3,264
Progressive $5,061 $4,338 $4,008
State Farm $3,709 $2,305 $1,835
USAA $3,624 $2,022 $1,606

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

Annual Pampa, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,367 $6,556 $6,805 $4,367
American Family $4,135 $5,181 $4,559 $4,135
GEICO $2,646 $3,395 $2,988 $3,435
Nationwide $3,381 $3,381 $5,037 $3,826
Progressive $3,903 $4,999 $4,563 $4,410
State Farm $2,344 $2,663 $3,113 $2,344
USAA $1,833 $2,638 $3,094 $2,103

Cheapest Pampa, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Pampa, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,262 $11,278
American Family $6,725 $8,907
GEICO $4,937 $5,209
Nationwide $6,871 $8,867
Progressive $9,794 $10,896
State Farm $4,306 $5,460
USAA $4,047 $4,518

Cheapest Pampa, TX Car Insurance for Seniors

Take a look at Pampa, 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 Pampa, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,570 $3,570
American Family $2,597 $2,935
GEICO $2,193 $2,379
Nationwide $2,179 $2,317
Progressive $2,161 $2,216
State Farm $1,654 $1,654
USAA $1,497 $1,531

Cheapest Pampa, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Pampa, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,805
American Family $4,559
GEICO $2,988
Nationwide $5,037
Progressive $4,563
State Farm $3,113
USAA $3,094

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Cheapest Pampa, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Pampa, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,399 $5,649
American Family $4,502 $4,502
GEICO $3,047 $3,185
Nationwide $3,906 $3,906
Progressive $4,469 $4,469
State Farm $2,616 $2,616
USAA $2,385 $2,449

The Best Cheap Car Insurance Companies in Pampa, TX

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

Average Annual Car Insurance Rates by Company in Pampa, Texas

Insurance Company Average Annual Rates
Allstate $5,524
American Family $4,502
GEICO $3,116
Nationwide $3,906
Progressive $4,469
State Farm $2,616
USAA $2,417

Category Winners: Cheapest Car Insurance in Pampa, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Pampa, Texas

Insurance Company Low Medium High
Allstate $5,431 $5,489 $5,652
American Family $4,275 $4,387 $4,844
GEICO $3,022 $3,096 $3,230
Nationwide $4,229 $3,737 $3,753
Progressive $4,293 $4,449 $4,665
State Farm $2,504 $2,612 $2,733
USAA $2,364 $2,412 $2,475

What affects car insurance rates in Pampa, Texas?

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

Car Theft in Pampa

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

Commute Time in Pampa

The more time you spend in your car the higher the risk of an accident. The average commute length in Pampa, TX is 17.8 minutes according to City-Data.

Compare Car Insurance Quotes in Pampa, TX

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

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