Compare Wichita Falls, TX Car Insurance Rates (2021)

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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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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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.

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Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Wichita Falls, 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 $3,140 $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.

Minimum Required Car Insurance Coverage in Wichita Falls, 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 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.

Annual Car Insurance Rates by Credit Score in Wichita Falls, Texas

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.

Annual Wichita Falls, Texas Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Wichita Falls, Texas

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.

Annual Car Insurance Rates for Senior Drivers in Wichita Falls, Texas

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.

Annual Car Insurance Rates After a DUI in Wichita Falls, Texas

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.

Annual Car Insurance Rates by Commute Length in Wichita Falls, Texas

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.

Annual Car Insurance Rates by ZIP Code in Wichita Falls, Texas

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.

Average Annual Car Insurance Rates by Company in Wichita Falls, Texas

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.

Best Annual Car Insurance Rates by Company in Wichita Falls, 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 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.

Annual Car Insurance Rates by Coverage Level in Wichita Falls, Texas

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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