Compare Stephenville, TX Car Insurance Rates (2021)

Car insurance in Stephenville, TX averages $291 a month. Stephenville, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Stephenville car insurance rates, compare quotes from the top car insurance companies in Stephenville, 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 Stephenville is USAA
  • Average car insurance rates in Stephenville, TX are $3,496/year
  • Average car insurance rates in Stephenville, TX after a DUI are $3,996/year

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

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

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

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

How do age, gender, and marital status affect Stephenville, TX car insurance rates? Every Stephenville, 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 Stephenville, 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 $3,290 $3,320 $3,248 $3,248 $8,656 $10,447 $4,065 $4,238
American Family $2,348 $2,604 $2,184 $2,491 $6,048 $7,910 $3,333 $3,791
GEICO $2,129 $2,279 $2,026 $2,269 $4,569 $4,752 $2,301 $2,310
Nationwide $2,407 $2,452 $2,122 $2,252 $6,818 $8,775 $2,825 $3,061
Progressive $2,230 $2,126 $1,977 $2,020 $9,052 $10,093 $2,638 $2,684
State Farm $1,829 $1,829 $1,624 $1,624 $4,307 $5,479 $1,983 $2,049
USAA $1,425 $1,441 $1,355 $1,354 $3,881 $4,251 $1,896 $2,050

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Minimum Car Insurance in Stephenville, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Stephenville, Texas

Insurance Company Poor Fair Good
Allstate $6,434 $4,719 $4,039
American Family $5,291 $3,321 $2,903
GEICO $4,351 $2,476 $1,661
Nationwide $4,611 $3,696 $3,211
Progressive $4,634 $3,986 $3,687
State Farm $3,669 $2,283 $1,819
USAA $3,258 $1,865 $1,496

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

Annual Stephenville, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,941 $6,053 $6,322 $3,941
American Family $3,506 $4,440 $3,902 $3,506
GEICO $2,405 $3,151 $2,667 $3,095
Nationwide $3,325 $3,325 $4,945 $3,761
Progressive $3,584 $4,606 $4,186 $4,035
State Farm $2,310 $2,639 $3,103 $2,310
USAA $1,655 $2,422 $2,849 $1,899

Cheapest Stephenville, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Stephenville, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,656 $10,447
American Family $6,048 $7,910
GEICO $4,569 $4,752
Nationwide $6,818 $8,775
Progressive $9,052 $10,093
State Farm $4,307 $5,479
USAA $3,881 $4,251

Cheapest Stephenville, TX Car Insurance for Seniors

Take a look at Stephenville, 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 Stephenville, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,248 $3,248
American Family $2,184 $2,491
GEICO $2,026 $2,269
Nationwide $2,122 $2,252
Progressive $1,977 $2,020
State Farm $1,624 $1,624
USAA $1,355 $1,354

Cheapest Stephenville, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Stephenville, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,322
American Family $3,902
GEICO $2,667
Nationwide $4,945
Progressive $4,186
State Farm $3,103
USAA $2,849

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Cheapest Stephenville, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Stephenville, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,945 $5,183
American Family $3,839 $3,839
GEICO $2,776 $2,883
Nationwide $3,839 $3,839
Progressive $4,103 $4,103
State Farm $2,590 $2,590
USAA $2,178 $2,234

Cheapest Stephenville, TX Car Insurance Rates by ZIP Code

Stephenville car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Stephenville, TX.

Annual Car Insurance Rates by ZIP Code in Stephenville, Texas

ZIP Code Average Annual Rates
76401 $5,077
76402 $5,255

The Best Cheap Car Insurance Companies in Stephenville, TX

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

Average Annual Car Insurance Rates by Company in Stephenville, Texas

Insurance Company Average Annual Rates
Allstate $5,064
American Family $3,839
GEICO $2,829
Nationwide $3,839
Progressive $4,103
State Farm $2,591
USAA $2,206

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Category Winners: Cheapest Car Insurance in Stephenville, Texas

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

Best Annual Car Insurance Rates by Company in Stephenville, Texas

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

Cheapest Stephenville, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Stephenville, Texas

Insurance Company Low Medium High
Allstate $4,946 $5,020 $5,226
American Family $3,583 $3,703 $4,230
GEICO $2,699 $2,802 $2,987
Nationwide $4,158 $3,673 $3,687
Progressive $3,916 $4,083 $4,310
State Farm $2,469 $2,584 $2,718
USAA $2,141 $2,199 $2,279

What affects car insurance rates in Stephenville, Texas?

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

Car Theft in Stephenville

High levels of vehicle theft can make car insurance more expensive. Stephenville, TX car theft statistics from the FBI indicate 24 vehicle thefts a year.

Commute Time in Stephenville

The more time you spend in your car the higher the risk of an accident. The average commute length in Stephenville, TX is 14.6 minutes according to City-Data.

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Compare Car Insurance Quotes in Stephenville, TX

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

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