Compare South Padre Island, TX Car Insurance Rates (2021)

Car insurance in South Padre Island, TX averages $338 a month. South Padre Island, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap South Padre Island car insurance rates, compare quotes from the top car insurance companies in South Padre Island, 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 South Padre Island, TX after a DUI are $4,638/year
  • Average car insurance rates in South Padre Island, TX are $4,051/year
  • The cheapest car insurance company in South Padre Island for teen drivers is GEICO

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

You’ll find South Padre Island car insurance rates, the cheapest South Padre Island, TX car insurance companies, and information on Texas car insurance laws. You can also compare South Padre Island, Texas car insurance rates to Corpus Christi car insurance rates, Laredo car insurance rates, and Austin car insurance rates.

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

Cheapest South Padre Island, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect South Padre Island, TX car insurance rates? Every South Padre Island, 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 South Padre Island, 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 $3,566 $3,620 $3,523 $3,523 $9,147 $11,121 $4,434 $4,659
American Family $2,847 $3,167 $2,614 $2,995 $7,257 $9,431 $4,041 $4,580
GEICO $2,248 $2,438 $2,221 $2,558 $4,744 $4,834 $2,405 $2,335
Nationwide $3,009 $3,072 $2,646 $2,820 $8,365 $10,839 $3,519 $3,829
Progressive $2,593 $2,488 $2,282 $2,338 $10,136 $11,321 $3,074 $3,125
State Farm $2,061 $2,061 $1,829 $1,829 $4,852 $6,160 $2,235 $2,295
USAA $1,925 $1,961 $1,839 $1,860 $5,126 $5,639 $2,581 $2,813

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Minimum Car Insurance in South Padre Island, TX

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

Minimum Required Car Insurance Coverage in South Padre Island, 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 South Padre Island, TX Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in South Padre Island, Texas

Insurance Company Poor Fair Good
Allstate $6,939 $5,074 $4,334
American Family $6,336 $4,017 $3,497
GEICO $4,578 $2,600 $1,741
Nationwide $5,743 $4,570 $3,974
Progressive $5,313 $4,526 $4,170
State Farm $4,131 $2,569 $2,046
USAA $4,366 $2,515 $2,023

Cheapest South Padre Island, 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 South Padre Island, TX to rates for a clean record with top companies.

Annual South Padre Island, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,304 $6,465 $6,723 $4,304
American Family $4,226 $5,325 $4,689 $4,226
GEICO $2,526 $3,311 $2,786 $3,269
Nationwide $4,108 $4,108 $6,169 $4,663
Progressive $4,075 $5,219 $4,780 $4,604
State Farm $2,596 $2,969 $3,500 $2,596
USAA $2,225 $3,269 $3,821 $2,557

Cheapest South Padre Island, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in South Padre Island, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,147 $11,121
American Family $7,257 $9,431
GEICO $4,744 $4,834
Nationwide $8,365 $10,839
Progressive $10,136 $11,321
State Farm $4,852 $6,160
USAA $5,126 $5,639

Cheapest South Padre Island, TX Car Insurance for Seniors

Take a look at South Padre Island, 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 South Padre Island, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,523 $3,523
American Family $2,614 $2,995
GEICO $2,221 $2,558
Nationwide $2,646 $2,820
Progressive $2,282 $2,338
State Farm $1,829 $1,829
USAA $1,839 $1,860

Cheapest South Padre Island, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in South Padre Island, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,723
American Family $4,689
GEICO $2,786
Nationwide $6,169
Progressive $4,780
State Farm $3,500
USAA $3,821

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Cheapest South Padre Island, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in South Padre Island, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,325 $5,574
American Family $4,617 $4,617
GEICO $2,912 $3,034
Nationwide $4,762 $4,762
Progressive $4,670 $4,670
State Farm $2,915 $2,915
USAA $2,929 $3,007

The Best Cheap Car Insurance Companies in South Padre Island, TX

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

Average Annual Car Insurance Rates by Company in South Padre Island, Texas

Insurance Company Average Annual Rates
Allstate $5,449
American Family $4,617
GEICO $2,973
Nationwide $4,762
Progressive $4,670
State Farm $2,915
USAA $2,968

Category Winners: Cheapest Car Insurance in South Padre Island, Texas

Find the cheapest car insurance companies in South Padre Island, TX for each category right here.

Best Annual Car Insurance Rates by Company in South Padre Island, Texas

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation USAA

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Cheapest South Padre Island, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in South Padre Island, Texas

Insurance Company Low Medium High
Allstate $5,356 $5,414 $5,578
American Family $4,244 $4,413 $5,193
GEICO $2,738 $2,901 $3,280
Nationwide $5,091 $4,548 $4,648
Progressive $4,401 $4,646 $4,962
State Farm $2,730 $2,894 $3,122
USAA $2,850 $2,951 $3,103

What affects car insurance rates in South Padre Island, Texas?

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

Car Theft in South Padre Island

High levels of vehicle theft can make car insurance more expensive. South Padre Island, TX car theft statistics from the FBI indicate 30 vehicle thefts a year.

Commute Time in South Padre Island

The more time you spend in your car the higher the risk of an accident. The average commute length in South Padre Island, TX is 15.8 minutes according to City-Data.

Compare Car Insurance Quotes in South Padre Island, TX

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

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

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