Compare Utopia, TX Car Insurance Rates (2021)

Car insurance in Utopia, TX averages $319 a month. Utopia, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Utopia car insurance rates, compare quotes from the top car insurance companies in Utopia, 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 Utopia, TX are $3,830/year
  • The cheapest car insurance company in Utopia for teen drivers is USAA
  • The cheapest car insurance company in Utopia is USAA

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

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

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

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

How do age, gender, and marital status affect Utopia, TX car insurance rates? Every Utopia, 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 Utopia, 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 $3,703 $3,758 $3,661 $3,661 $9,375 $11,385 $4,587 $4,814
American Family $2,647 $2,944 $2,462 $2,818 $6,923 $9,044 $3,784 $4,305
GEICO $2,332 $2,506 $2,244 $2,522 $4,988 $5,211 $2,515 $2,518
Nationwide $2,231 $2,271 $1,977 $2,092 $6,172 $7,920 $2,606 $2,817
Progressive $2,787 $2,639 $2,483 $2,529 $11,710 $13,061 $3,292 $3,309
State Farm $1,940 $1,940 $1,714 $1,714 $4,452 $5,639 $2,096 $2,164
USAA $1,459 $1,470 $1,388 $1,381 $4,046 $4,421 $1,941 $2,090

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Minimum Car Insurance in Utopia, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Utopia, Texas

Insurance Company Poor Fair Good
Allstate $7,165 $5,227 $4,462
American Family $6,000 $3,792 $3,306
GEICO $4,785 $2,714 $1,814
Nationwide $4,217 $3,379 $2,937
Progressive $5,888 $5,083 $4,708
State Farm $3,839 $2,385 $1,898
USAA $3,355 $1,924 $1,544

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

Annual Utopia, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,454 $6,655 $6,909 $4,454
American Family $3,981 $5,062 $4,440 $3,981
GEICO $2,638 $3,463 $2,919 $3,398
Nationwide $3,051 $3,051 $4,500 $3,441
Progressive $4,549 $5,909 $5,323 $5,126
State Farm $2,426 $2,756 $3,222 $2,426
USAA $1,702 $2,498 $2,946 $1,952

Cheapest Utopia, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Utopia, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,375 $11,385
American Family $6,923 $9,044
GEICO $4,988 $5,211
Nationwide $6,172 $7,920
Progressive $11,710 $13,061
State Farm $4,452 $5,639
USAA $4,046 $4,421

Cheapest Utopia, TX Car Insurance for Seniors

Take a look at Utopia, 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 Utopia, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,661 $3,661
American Family $2,462 $2,818
GEICO $2,244 $2,522
Nationwide $1,977 $2,092
Progressive $2,483 $2,529
State Farm $1,714 $1,714
USAA $1,388 $1,381

Cheapest Utopia, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Utopia, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,909
American Family $4,440
GEICO $2,919
Nationwide $4,500
Progressive $5,323
State Farm $3,222
USAA $2,946

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Cheapest Utopia, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Utopia, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,492 $5,744
American Family $4,366 $4,366
GEICO $3,045 $3,164
Nationwide $3,511 $3,511
Progressive $5,226 $5,226
State Farm $2,707 $2,707
USAA $2,246 $2,303

The Best Cheap Car Insurance Companies in Utopia, TX

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

Average Annual Car Insurance Rates by Company in Utopia, Texas

Insurance Company Average Annual Rates
Allstate $5,618
American Family $4,366
GEICO $3,105
Nationwide $3,511
Progressive $5,226
State Farm $2,707
USAA $2,275

Category Winners: Cheapest Car Insurance in Utopia, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Utopia, Texas

Insurance Company Low Medium High
Allstate $5,496 $5,572 $5,786
American Family $4,060 $4,200 $4,839
GEICO $2,946 $3,063 $3,304
Nationwide $3,774 $3,360 $3,398
Progressive $4,881 $5,198 $5,599
State Farm $2,577 $2,698 $2,847
USAA $2,208 $2,267 $2,349

What affects car insurance rates in Utopia, Texas?

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

Commute Time in Utopia

The more time you spend in your car the higher the risk of an accident. The average commute length in Utopia, TX is 7.9 minutes according to City-Data.

Compare Car Insurance Quotes in Utopia, TX

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

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