Compare Wharton, TX Car Insurance Rates (2021)

Car insurance in Wharton, TX averages $315 a month. Wharton, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Wharton car insurance rates, compare quotes from the top car insurance companies in Wharton, TX.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Wharton, TX after a DUI are $4,295/year
  • The cheapest car insurance company in Wharton for teen drivers is USAA
  • The cheapest car insurance company in Wharton is USAA

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

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

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

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

How do age, gender, and marital status affect Wharton, TX car insurance rates? Every Wharton, 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 Wharton, 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 $3,578 $3,601 $3,531 $3,531 $9,396 $11,309 $4,401 $4,570
American Family $3,175 $3,562 $3,007 $3,474 $8,861 $11,545 $4,656 $5,308
GEICO $2,200 $2,373 $2,125 $2,415 $4,773 $4,926 $2,376 $2,358
Nationwide $2,164 $2,199 $1,916 $2,026 $6,107 $7,828 $2,540 $2,745
Progressive $2,197 $2,080 $1,965 $1,998 $9,301 $10,375 $2,594 $2,626
State Farm $1,900 $1,900 $1,687 $1,687 $4,488 $5,710 $2,061 $2,127
USAA $1,497 $1,508 $1,428 $1,420 $4,185 $4,565 $1,995 $2,145

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Minimum Car Insurance in Wharton, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Wharton, Texas

Insurance Company Poor Fair Good
Allstate $6,981 $5,111 $4,377
American Family $7,403 $4,776 $4,166
GEICO $4,531 $2,575 $1,725
Nationwide $4,121 $3,316 $2,885
Progressive $4,650 $4,033 $3,742
State Farm $3,817 $2,375 $1,892
USAA $3,443 $1,987 $1,598

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

Annual Wharton, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,253 $6,590 $6,862 $4,253
American Family $4,955 $6,335 $5,548 $4,955
GEICO $2,500 $3,292 $2,761 $3,220
Nationwide $2,989 $2,989 $4,413 $3,372
Progressive $3,614 $4,681 $4,213 $4,059
State Farm $2,401 $2,745 $3,231 $2,401
USAA $1,749 $2,576 $3,038 $2,007

Cheapest Wharton, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Wharton, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,396 $11,309
American Family $8,861 $11,545
GEICO $4,773 $4,926
Nationwide $6,107 $7,828
Progressive $9,301 $10,375
State Farm $4,488 $5,710
USAA $4,185 $4,565

Cheapest Wharton, TX Car Insurance for Seniors

Take a look at Wharton, 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 Wharton, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,531 $3,531
American Family $3,007 $3,474
GEICO $2,125 $2,415
Nationwide $1,916 $2,026
Progressive $1,965 $1,998
State Farm $1,687 $1,687
USAA $1,428 $1,420

Cheapest Wharton, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Wharton, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,862
American Family $5,548
GEICO $2,761
Nationwide $4,413
Progressive $4,213
State Farm $3,231
USAA $3,038

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Cheapest Wharton, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Wharton, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,354 $5,625
American Family $5,448 $5,448
GEICO $2,888 $2,999
Nationwide $3,441 $3,441
Progressive $4,142 $4,142
State Farm $2,695 $2,695
USAA $2,313 $2,372

The Best Cheap Car Insurance Companies in Wharton, TX

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

Average Annual Car Insurance Rates by Company in Wharton, Texas

Insurance Company Average Annual Rates
Allstate $5,490
American Family $5,448
GEICO $2,943
Nationwide $3,441
Progressive $4,142
State Farm $2,695
USAA $2,343

Category Winners: Cheapest Car Insurance in Wharton, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Wharton, Texas

Insurance Company Low Medium High
Allstate $5,339 $5,433 $5,698
American Family $5,013 $5,215 $6,117
GEICO $2,776 $2,903 $3,151
Nationwide $3,697 $3,295 $3,330
Progressive $3,933 $4,122 $4,370
State Farm $2,561 $2,685 $2,839
USAA $2,266 $2,333 $2,428

What affects car insurance rates in Wharton, Texas?

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

Car Theft in Wharton

High levels of vehicle theft can make car insurance more expensive. Wharton, TX car theft statistics from the FBI indicate 9 vehicle thefts a year.

Commute Time in Wharton

The more time you spend in your car the higher the risk of an accident. The average commute length in Wharton, TX is 22.2 minutes according to City-Data.

Compare Car Insurance Quotes in Wharton, TX

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

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