Buy Cheap Baytown, TX Auto Insurance (2021)

Baytown, TX auto insurance rates average $363 a month. Minimum auto insurance requirements in Baytown, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Baytown, TX, compare Baytown 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 Baytown, TX after a DUI are $4,931/year
  • Average auto insurance rates in Baytown, TX are $363/month
  • The most expensive auto insurance company in Baytown after a DUI is Allstate

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

See how Baytown, TX car insurance rates compare to Corpus Christi auto insurance rates, Laredo auto insurance rates, and El Paso auto insurance rates before you read more about the cost of auto insurance in Baytown.

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

Baytown, TX Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Baytown, 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 Baytown, TX Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Baytown, Texas

Insurance Company Poor Fair Good
Allstate $7,113 $5,218 $4,472
American Family $7,971 $5,132 $4,492
GEICO $5,982 $3,370 $2,234
Nationwide $4,925 $3,951 $3,428
Progressive $5,588 $4,840 $4,488
State Farm $4,624 $2,881 $2,298
USAA $4,109 $2,385 $1,921

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Baytown, 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 $3,631 $3,652 $3,582 $3,582 $9,644 $11,604 $4,472 $4,642
American Family $3,347 $3,762 $3,203 $3,704 $9,633 $12,623 $4,963 $5,686
GEICO $2,846 $3,090 $2,779 $3,185 $6,330 $6,542 $3,078 $3,046
Nationwide $2,562 $2,603 $2,265 $2,395 $7,321 $9,386 $3,017 $3,261
Progressive $2,612 $2,479 $2,329 $2,367 $11,195 $12,530 $3,106 $3,160
State Farm $2,281 $2,281 $2,033 $2,033 $5,485 $6,992 $2,482 $2,556
USAA $1,787 $1,793 $1,714 $1,696 $5,053 $5,484 $2,377 $2,536

Buy Cheap Baytown, TX Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Baytown, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,644 $11,604
American Family $9,633 $12,623
GEICO $6,330 $6,542
Nationwide $7,321 $9,386
Progressive $11,195 $12,530
State Farm $5,485 $6,992
USAA $5,053 $5,484

Buy Cheap Baytown, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Baytown, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,582 $3,582
American Family $3,203 $3,704
GEICO $2,779 $3,185
Nationwide $2,265 $2,395
Progressive $2,329 $2,367
State Farm $2,033 $2,033
USAA $1,714 $1,696

Find Cheap Auto Insurance Rates in Baytown, TX by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Baytown, Texas

Insurance Company Low Medium High
Allstate $5,457 $5,547 $5,799
American Family $5,411 $5,622 $6,562
GEICO $3,631 $3,806 $4,149
Nationwide $4,405 $3,927 $3,972
Progressive $4,733 $4,951 $5,233
State Farm $3,090 $3,257 $3,456
USAA $2,698 $2,792 $2,925

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Find Cheap Baytown, TX Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Baytown, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,461 $5,741
American Family $5,865 $5,865
GEICO $3,791 $3,933
Nationwide $4,101 $4,101
Progressive $4,972 $4,972
State Farm $3,268 $3,268
USAA $2,769 $2,841

Find Cheap Baytown, TX Auto Insurance Rates by ZIP Code

Auto insurance rates in Baytown, Texas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Baytown, TX to see how much where you live in Baytown affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Baytown, Texas

ZIP Code Average Annual Rates
77520 $6,712
77521 $6,398
77523 $6,319

Find Cheap Baytown, TX Auto Insurance Rates by Driving Record

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

Annual Baytown, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,322 $6,735 $7,027 $4,322
American Family $5,322 $6,839 $5,977 $5,322
GEICO $3,271 $4,356 $3,600 $4,220
Nationwide $3,559 $3,559 $5,268 $4,019
Progressive $4,329 $5,625 $5,062 $4,873
State Farm $2,901 $3,331 $3,939 $2,901
USAA $2,085 $3,095 $3,644 $2,396

Find Cheap Baytown, TX Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Baytown, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,027
American Family $5,977
GEICO $3,600
Nationwide $5,268
Progressive $5,062
State Farm $3,939
USAA $3,644

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

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

Best Annual Auto Insurance Rates by Company in Baytown, Texas

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

Find Cheap Baytown, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Baytown, Texas

Insurance Company Average Annual Rates
Allstate $5,601
American Family $5,865
GEICO $3,862
Nationwide $4,101
Progressive $4,972
State Farm $3,268
USAA $2,805

What affects Baytown, Texas auto insurance rates?

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

Auto Theft in Baytown

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Baytown, TX auto theft show a total of 499 vehicle thefts annually.

Commute Times in Baytown

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Baytown, TX is 25.0 minutes according to City-Data.

Traffic in Baytown

How is traffic in Baytown, Texas? Inrix data shows that Baytown, TX traffic makes it the 908th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Baytown, TX

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

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