Compare West, TX Car Insurance Rates (2021)

Car insurance in West, TX averages $281 a month. West, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap West car insurance rates, compare quotes from the top car insurance companies in West, 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 West, TX after a DUI are $3,879/year
  • The cheapest car insurance company in West is USAA
  • Average car insurance rates in West, TX are $3,373/year

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

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

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

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

How do age, gender, and marital status affect West, TX car insurance rates? Every West, 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 West, 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 $3,392 $3,421 $3,352 $3,352 $8,936 $10,784 $4,192 $4,362
American Family $2,341 $2,585 $2,136 $2,427 $5,729 $7,489 $3,266 $3,705
GEICO $1,962 $2,106 $1,887 $2,115 $4,188 $4,374 $2,116 $2,123
Nationwide $2,189 $2,225 $1,937 $2,049 $6,166 $7,908 $2,568 $2,775
Progressive $1,835 $1,740 $1,633 $1,668 $7,431 $8,246 $2,154 $2,184
State Farm $1,952 $1,952 $1,742 $1,742 $4,764 $6,090 $2,128 $2,196
USAA $1,544 $1,551 $1,475 $1,462 $4,312 $4,693 $2,047 $2,192

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Minimum Car Insurance in West, TX

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

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

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

Annual Car Insurance Rates by Credit Score in West, Texas

Insurance Company Poor Fair Good
Allstate $6,657 $4,859 $4,155
American Family $5,144 $3,195 $2,790
GEICO $4,002 $2,285 $1,539
Nationwide $4,167 $3,350 $2,914
Progressive $3,786 $3,269 $3,029
State Farm $3,993 $2,487 $1,983
USAA $3,541 $2,044 $1,643

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

Annual West, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,054 $6,268 $6,519 $4,054
American Family $3,401 $4,272 $3,765 $3,401
GEICO $2,222 $2,912 $2,454 $2,849
Nationwide $3,020 $3,020 $4,461 $3,407
Progressive $2,945 $3,771 $3,424 $3,305
State Farm $2,499 $2,876 $3,410 $2,499
USAA $1,799 $2,655 $3,120 $2,064

Cheapest West, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in West, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,936 $10,784
American Family $5,729 $7,489
GEICO $4,188 $4,374
Nationwide $6,166 $7,908
Progressive $7,431 $8,246
State Farm $4,764 $6,090
USAA $4,312 $4,693

Cheapest West, TX Car Insurance for Seniors

Take a look at West, 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 West, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,352 $3,352
American Family $2,136 $2,427
GEICO $1,887 $2,115
Nationwide $1,937 $2,049
Progressive $1,633 $1,668
State Farm $1,742 $1,742
USAA $1,475 $1,462

Cheapest West, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in West, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,519
American Family $3,765
GEICO $2,454
Nationwide $4,461
Progressive $3,424
State Farm $3,410
USAA $3,120

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Cheapest West, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in West, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,098 $5,349
American Family $3,710 $3,710
GEICO $2,561 $2,657
Nationwide $3,477 $3,477
Progressive $3,361 $3,361
State Farm $2,821 $2,821
USAA $2,379 $2,440

The Best Cheap Car Insurance Companies in West, TX

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

Average Annual Car Insurance Rates by Company in West, Texas

Insurance Company Average Annual Rates
Allstate $5,224
American Family $3,710
GEICO $2,609
Nationwide $3,477
Progressive $3,361
State Farm $2,821
USAA $2,409

Category Winners: Cheapest Car Insurance in West, Texas

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

Best Annual Car Insurance Rates by Company in West, Texas

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

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Cheapest West, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in West, Texas

Insurance Company Low Medium High
Allstate $5,089 $5,173 $5,410
American Family $3,473 $3,588 $4,068
GEICO $2,485 $2,580 $2,762
Nationwide $3,746 $3,330 $3,355
Progressive $3,234 $3,343 $3,507
State Farm $2,682 $2,814 $2,967
USAA $2,328 $2,400 $2,500

What affects car insurance rates in West, Texas?

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

Car Theft in West

High levels of vehicle theft can make car insurance more expensive. West, TX car theft statistics from the FBI indicate 2 vehicle thefts a year.

Commute Time in West

The more time you spend in your car the higher the risk of an accident. The average commute length in West, TX is 31.4 minutes according to City-Data.

Traffic in West

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. West, TX traffic data from INRIX ranks West as the 608th-most congested in the world.

Compare Car Insurance Quotes in West, TX

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

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