Compare Wichita Falls, TX Car Insurance Rates [2023]
Car insurance in Wichita Falls, TX averages $280 a month. Wichita Falls, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Wichita Falls car insurance rates, compare quotes from the top car insurance companies in Wichita Falls, TX.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Jun 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Wichita Falls is USAA
- The cheapest ZIP code in Wichita Falls is 76306
- The cheapest car insurance company in Wichita Falls for teen drivers is USAA
If you need to buy Wichita Falls, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Wichita Falls, TX is right here.
You’ll find Wichita Falls car insurance rates, the cheapest Wichita Falls, TX car insurance companies, and information on Texas car insurance laws. You can also compare Wichita Falls, Texas car insurance rates to Dallas car insurance rates, Fort Worth car insurance rates, and El Paso car insurance rates.
Ready to find affordable Wichita Falls, TX car insurance today? Enter your ZIP code for fast, free Wichita Falls car insurance quotes.
Cheapest Wichita Falls, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Wichita Falls, TX car insurance rates? Every Wichita Falls, Texas car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $3,140 | $3,170 | $3,099 | $3,099 | $8,448 | $10,211 | $3,903 | $4,074 |
| American Family | $2,814 | $3,089 | $2,480 | $2,805 | $6,435 | $8,494 | $3,849 | $4,373 |
| Geico | $1,918 | $2,047 | $1,815 | $2,020 | $4,055 | $4,230 | $2,072 | $2,088 |
| Nationwide | $2,134 | $2,177 | $1,883 | $2,001 | $5,948 | $7,668 | $2,496 | $2,707 |
| Progressive | $2,111 | $2,032 | $1,869 | $1,911 | $8,425 | $9,401 | $2,512 | $2,574 |
| State Farm | $1,772 | $1,772 | $1,579 | $1,579 | $4,259 | $5,431 | $1,927 | $1,987 |
| USAA | $1,314 | $1,331 | $1,248 | $1,251 | $3,512 | $3,853 | $1,743 | $1,889 |
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Minimum Car Insurance in Wichita Falls, TX
Every driver must carry the minimum car insurance in Wichita Falls, TX. Take a look at the Texas car insurance requirements.
| 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 Wichita Falls, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Wichita Falls, TX. Compare credit history car insurance rates in Wichita Falls from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,206 | $4,564 | $3,909 |
| American Family | $6,042 | $3,658 | $3,177 |
| Geico | $3,879 | $2,218 | $1,496 |
| Nationwide | $4,050 | $3,249 | $2,831 |
| Progressive | $4,360 | $3,743 | $3,461 |
| State Farm | $3,591 | $2,238 | $1,785 |
| USAA | $2,980 | $1,705 | $1,368 |
Cheapest Wichita Falls, 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 Wichita Falls, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,786 | $5,859 | $6,140 | $3,786 |
| American Family | $3,934 | $4,952 | $4,350 | $3,934 |
| Geico | $2,155 | $2,805 | $2,393 | $2,769 |
| Nationwide | $2,924 | $2,924 | $4,351 | $3,308 |
| Progressive | $3,371 | $4,310 | $3,935 | $3,801 |
| State Farm | $2,253 | $2,587 | $3,058 | $2,253 |
| USAA | $1,519 | $2,213 | $2,598 | $1,741 |
Cheapest Wichita Falls, TX Car Insurance for Teen Drivers
Teen car insurance in Wichita Falls, TX can be expensive. Take a look at rates from the top car insurance companies in Wichita Falls for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,448 | $10,211 |
| American Family | $6,435 | $8,494 |
| Geico | $4,055 | $4,230 |
| Nationwide | $5,948 | $7,668 |
| Progressive | $8,425 | $9,401 |
| State Farm | $4,259 | $5,431 |
| USAA | $3,512 | $3,853 |
Cheapest Wichita Falls, TX Car Insurance for Seniors
Take a look at Wichita Falls, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,099 | $3,099 |
| American Family | $2,480 | $2,805 |
| Geico | $1,815 | $2,020 |
| Nationwide | $1,883 | $2,001 |
| Progressive | $1,869 | $1,911 |
| State Farm | $1,579 | $1,579 |
| USAA | $1,248 | $1,251 |
Cheapest Wichita Falls, TX Car Insurance Rates After a DUI
A DUI in Wichita Falls, TX increases car insurance rates. Compare Wichita Falls, Texas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,140 |
| American Family | $4,350 |
| Geico | $2,393 |
| Nationwide | $4,351 |
| Progressive | $3,935 |
| State Farm | $3,058 |
| USAA | $2,598 |
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Cheapest Wichita Falls, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Wichita Falls, TX by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,778 | $5,008 |
| American Family | $4,292 | $4,292 |
| Geico | $2,482 | $2,580 |
| Nationwide | $3,377 | $3,377 |
| Progressive | $3,854 | $3,854 |
| State Farm | $2,538 | $2,538 |
| USAA | $1,992 | $2,043 |
Cheapest Wichita Falls, TX Car Insurance Rates by ZIP Code
Wichita Falls car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Wichita Falls, TX.
| ZIP Code | Average Annual Rates |
|---|---|
| 76301 | $4,957 |
| 76302 | $4,903 |
| 76305 | $5,148 |
| 76306 | $4,691 |
| 76308 | $4,910 |
| 76309 | $4,820 |
| 76310 | $4,882 |
| 76311 | $4,878 |
The Best Cheap Car Insurance Companies in Wichita Falls, TX
Take a look at a side-by-side comparison of the top car insurance companies in Wichita Falls, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,893 |
| American Family | $4,292 |
| Geico | $2,531 |
| Nationwide | $3,377 |
| Progressive | $3,854 |
| State Farm | $2,538 |
| USAA | $2,018 |
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Category Winners: Cheapest Car Insurance in Wichita Falls, Texas
Find the cheapest car insurance companies in Wichita Falls, TX for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Cheapest Wichita Falls, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Wichita Falls car insurance rates. Find the cheapest Wichita Falls, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,805 | $4,860 | $5,014 |
| American Family | $4,086 | $4,187 | $4,604 |
| Geico | $2,421 | $2,507 | $2,665 |
| Nationwide | $3,664 | $3,232 | $3,234 |
| Progressive | $3,711 | $3,840 | $4,012 |
| State Farm | $2,408 | $2,532 | $2,674 |
| USAA | $1,959 | $2,011 | $2,083 |
What affects car insurance rates in Wichita Falls, Texas?
What factors can have an impact on Wichita Falls, TX car insurance? There are several reasons why Wichita Falls car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Wichita Falls, Texas.
Car Theft in Wichita Falls
High levels of vehicle theft can make car insurance more expensive. Wichita Falls, TX car theft statistics from the FBI indicate 251 vehicle thefts a year.
Commute Time in Wichita Falls
The more time you spend in your car the higher the risk of an accident. The average commute length in Wichita Falls, TX is 14.4 minutes according to City-Data.
Traffic in Wichita Falls
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Wichita Falls, TX traffic data from INRIX ranks Wichita Falls as the 981st-most congested in the world.
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Compare Car Insurance Quotes in Wichita Falls, TX
Ready to find affordable Wichita Falls, Texas car insurance today? Enter your ZIP code for fast, free Wichita Falls, TX car insurance quotes.
Frequently Asked Questions
How long does a car insurance policy last in Wichita Falls, TX?
Car insurance policies in Wichita Falls, TX typically last for six months or one year. Renewal is usually done annually.
Are there discounts available for car insurance in Wichita Falls, TX?
Yes, discounts like safe driver, multi-policy, and good student discounts are often available. Inquire with insurance providers for details.
Does car insurance cover damage from natural disasters in Wichita Falls, TX?
Comprehensive coverage typically covers damage from natural disasters. Review your policy or consult your insurance provider for details.
Can I change my car insurance coverage and limits in Wichita Falls, TX?
Yes, contact your insurance provider to discuss and make changes to your car insurance coverage and limits.
What should I do if I’m involved in a car accident in Wichita Falls, TX?
Ensure safety, call emergency services if needed, exchange info, and report the incident to your insurance provider promptly.
Can I bundle my car insurance with other policies in Wichita Falls, TX?
Yes, bundling car insurance with other policies can lead to discounts. Check with your insurance provider for bundling options.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.