Compare Somerville, TX Car Insurance Rates (2021)

Car insurance in Somerville, TX averages $317 a month. Somerville, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Somerville car insurance rates, compare quotes from the top car insurance companies in Somerville, 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 Somerville is USAA
  • The cheapest car insurance company in Somerville for teen drivers is USAA
  • Average car insurance rates in Somerville, TX after a DUI are $4,333/year

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

You’ll find Somerville car insurance rates, the cheapest Somerville, TX car insurance companies, and information on Texas car insurance laws. You can also compare Somerville, Texas car insurance rates to Houston car insurance rates, Fort Worth car insurance rates, and Dallas car insurance rates.

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

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

How do age, gender, and marital status affect Somerville, TX car insurance rates? Every Somerville, 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 Somerville, 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 $3,362 $3,395 $3,322 $3,322 $8,766 $10,589 $4,153 $4,330
American Family $2,619 $2,911 $2,431 $2,781 $6,808 $8,897 $3,735 $4,249
GEICO $2,291 $2,476 $2,216 $2,509 $5,052 $5,277 $2,481 $2,487
Nationwide $2,653 $2,700 $2,340 $2,481 $7,582 $9,752 $3,123 $3,383
Progressive $2,403 $2,268 $2,147 $2,186 $10,269 $11,425 $2,836 $2,858
State Farm $2,019 $2,019 $1,795 $1,795 $4,825 $6,148 $2,194 $2,263
USAA $1,519 $1,530 $1,451 $1,443 $4,235 $4,615 $2,023 $2,172

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Minimum Car Insurance in Somerville, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Somerville, Texas

Insurance Company Poor Fair Good
Allstate $6,567 $4,797 $4,101
American Family $5,920 $3,734 $3,257
GEICO $4,776 $2,709 $1,811
Nationwide $5,109 $4,093 $3,552
Progressive $5,103 $4,431 $4,113
State Farm $4,083 $2,540 $2,023
USAA $3,487 $2,013 $1,620

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

Annual Somerville, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,022 $6,163 $6,412 $4,022
American Family $3,926 $4,987 $4,376 $3,926
GEICO $2,633 $3,490 $2,896 $3,377
Nationwide $3,682 $3,682 $5,478 $4,165
Progressive $3,965 $5,147 $4,624 $4,460
State Farm $2,562 $2,937 $3,467 $2,562
USAA $1,772 $2,610 $3,078 $2,033

Cheapest Somerville, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Somerville, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,766 $10,589
American Family $6,808 $8,897
GEICO $5,052 $5,277
Nationwide $7,582 $9,752
Progressive $10,269 $11,425
State Farm $4,825 $6,148
USAA $4,235 $4,615

Cheapest Somerville, TX Car Insurance for Seniors

Take a look at Somerville, 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 Somerville, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,322 $3,322
American Family $2,431 $2,781
GEICO $2,216 $2,509
Nationwide $2,340 $2,481
Progressive $2,147 $2,186
State Farm $1,795 $1,795
USAA $1,451 $1,443

Cheapest Somerville, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Somerville, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,412
American Family $4,376
GEICO $2,896
Nationwide $5,478
Progressive $4,624
State Farm $3,467
USAA $3,078

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Cheapest Somerville, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Somerville, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,033 $5,276
American Family $4,304 $4,304
GEICO $3,044 $3,154
Nationwide $4,252 $4,252
Progressive $4,549 $4,549
State Farm $2,882 $2,882
USAA $2,343 $2,403

The Best Cheap Car Insurance Companies in Somerville, TX

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

Average Annual Car Insurance Rates by Company in Somerville, Texas

Insurance Company Average Annual Rates
Allstate $5,155
American Family $4,304
GEICO $3,099
Nationwide $4,252
Progressive $4,549
State Farm $2,882
USAA $2,373

Category Winners: Cheapest Car Insurance in Somerville, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Somerville, Texas

Insurance Company Low Medium High
Allstate $5,024 $5,106 $5,334
American Family $4,010 $4,147 $4,755
GEICO $2,948 $3,065 $3,284
Nationwide $4,583 $4,068 $4,104
Progressive $4,318 $4,525 $4,803
State Farm $2,735 $2,873 $3,038
USAA $2,294 $2,364 $2,462

What affects car insurance rates in Somerville, Texas?

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

Car Theft in Somerville

High levels of vehicle theft can make car insurance more expensive. Somerville, TX car theft statistics from the FBI indicate 3 vehicle thefts a year.

Commute Time in Somerville

The more time you spend in your car the higher the risk of an accident. The average commute length in Somerville, TX is 22.9 minutes according to City-Data.

Compare Car Insurance Quotes in Somerville, TX

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

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