Buy Cheap Bay City, TX Auto Insurance (2021)

Bay City, TX auto insurance rates average $325 a month. Minimum auto insurance requirements in Bay City, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Bay City, TX, compare Bay City auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Bay City, TX for teens drivers are $7,004/year
  • The most expensive auto insurance company in Bay City after a DUI is Allstate
  • Average auto insurance rates in Bay City, TX are $325/month

Finding affordable Bay City, Texas auto insurance can be challenging, but everything you need to know to buy cheap Bay City, TX auto insurance with confidence is right here. Auto insurance rates in Bay City are affected by local factors as well as personal ones like your driving record.

See how Bay City, TX car insurance rates compare to Houston auto insurance rates, Austin auto insurance rates, and Arlington auto insurance rates before you read more about the cost of auto insurance in Bay City.

Don’t buy Bay City, TX auto insurance until you’ve compared rates. Get free Bay City, Texas auto insurance quotes when you enter your ZIP code above.

Bay City, TX Minimum Auto Insurance Requirements

The required auto insurance in Bay City, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Bay City, Texas is outlined here.

Minimum Required Auto Insurance Coverage in Bay City, 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

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Find Cheap Bay City, TX Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Bay City, TX. Take a look at Bay City, Texas auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Bay City, Texas

Insurance Company Poor Fair Good
Allstate $6,413 $4,690 $4,013
American Family $7,294 $4,729 $4,121
GEICO $4,737 $2,688 $1,797
Nationwide $4,455 $3,582 $3,112
Progressive $5,534 $4,790 $4,441
State Farm $3,811 $2,372 $1,889
USAA $3,662 $2,119 $1,706

Buy Cheap Bay City, TX Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Bay City, Texas auto insurance rates? Find out how car insurance rates in Bay City, TX are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Bay City, 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 $3,273 $3,300 $3,233 $3,233 $8,625 $10,401 $4,041 $4,205
American Family $3,101 $3,486 $2,962 $3,426 $8,811 $11,470 $4,577 $5,219
GEICO $2,283 $2,475 $2,237 $2,546 $4,972 $5,176 $2,461 $2,445
Nationwide $2,324 $2,361 $2,055 $2,173 $6,629 $8,499 $2,735 $2,956
Progressive $2,603 $2,470 $2,320 $2,362 $11,058 $12,341 $3,088 $3,129
State Farm $1,898 $1,898 $1,686 $1,686 $4,480 $5,696 $2,059 $2,122
USAA $1,596 $1,608 $1,527 $1,519 $4,450 $4,850 $2,128 $2,285

Buy Cheap Bay City, TX Auto Insurance for Teen Drivers

Auto insurance for teenagers in Bay City can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Bay City, TX are listed here.

Annual Auto Insurance Rates for Teen Drivers in Bay City, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,625 $10,401
American Family $8,811 $11,470
GEICO $4,972 $5,176
Nationwide $6,629 $8,499
Progressive $11,058 $12,341
State Farm $4,480 $5,696
USAA $4,450 $4,850

Buy Cheap Bay City, TX Auto Insurance for Seniors

You can save on senior auto insurance rates in Bay City, Texas by comparing Bay City senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Bay City, TX here.

Annual Auto Insurance Rates for Senior Drivers in Bay City, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,233 $3,233
American Family $2,962 $3,426
GEICO $2,237 $2,546
Nationwide $2,055 $2,173
Progressive $2,320 $2,362
State Farm $1,686 $1,686
USAA $1,527 $1,519

Find Cheap Auto Insurance Rates in Bay City, TX by Coverage Level

The amount of coverage you choose is a big factor in the cost of Bay City, Texas auto insurance. Compare Bay City, TX auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Bay City, Texas

Insurance Company Low Medium High
Allstate $4,908 $4,990 $5,218
American Family $4,943 $5,138 $6,063
GEICO $2,896 $3,027 $3,299
Nationwide $3,996 $3,558 $3,595
Progressive $4,673 $4,899 $5,193
State Farm $2,551 $2,683 $2,839
USAA $2,406 $2,484 $2,595

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Find Cheap Bay City, TX Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Bay City. Compare auto insurance rates in Bay City, TX by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Bay City, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,919 $5,159
American Family $5,382 $5,382
GEICO $3,018 $3,130
Nationwide $3,716 $3,716
Progressive $4,921 $4,921
State Farm $2,691 $2,691
USAA $2,464 $2,527

Find Cheap Bay City, TX Auto Insurance Rates by Driving Record

Auto insurance rates in Bay City, Texas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Bay City, TX, take a look at the average cost for various violations versus rates for a clean driving record in Bay City.

Annual Bay City, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,912 $6,039 $6,293 $3,912
American Family $4,883 $6,274 $5,485 $4,883
GEICO $2,612 $3,459 $2,870 $3,356
Nationwide $3,226 $3,226 $4,772 $3,641
Progressive $4,287 $5,562 $5,009 $4,828
State Farm $2,397 $2,741 $3,228 $2,397
USAA $1,861 $2,747 $3,236 $2,137

Find Cheap Bay City, TX Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Bay City, Texas is higher than for a clean driving record. You can buy auto insurance after a DUI in Bay City for less when you shop around and compare rates from multiple Bay City, TX auto insurance companies.

Annual Auto Insurance Rates After a DUI in Bay City, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,293
American Family $5,485
GEICO $2,870
Nationwide $4,772
Progressive $5,009
State Farm $3,228
USAA $3,236

Winners by Category: Where to Buy Cheap Auto Insurance in Bay City, TX

Compare rates from the cheapest auto insurance companies in Bay City, TX for your needs. Take a look at how Bay City, Texas auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Bay City, Texas

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

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Find Cheap Bay City, Texas Auto Insurance Companies

If you’re looking for the cheapest Bay City, TX auto insurance companies overall, you can compare them here. Find the best price for Bay City, Texas car insurance by company.

Average Annual Auto Insurance Rates by Company in Bay City, Texas

Insurance Company Average Annual Rates
Allstate $5,039
American Family $5,382
GEICO $3,074
Nationwide $3,716
Progressive $4,921
State Farm $2,691
USAA $2,495

What affects Bay City, Texas auto insurance rates?

Local factors affect auto insurance rates in Bay City, TX, including traffic, theft statistics, and commute length. Take a look at the things that impact Bay City auto insurance rates.

Auto Theft in Bay City

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Bay City, TX auto theft show a total of 18 vehicle thefts annually.

Commute Times in Bay City

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Bay City, TX is 22.5 minutes according to City-Data.

Compare Auto Insurance Quotes in Bay City, TX

You can buy cheap Bay City, TX auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Bay City, Texas auto insurance quotes from top companies.

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