Buy Cheap Carlsbad, TX Auto Insurance (2021)

Carlsbad, TX auto insurance rates average $293 a month. Minimum auto insurance requirements in Carlsbad, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Carlsbad, TX, compare Carlsbad 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 Carlsbad, TX for teens drivers are $6,242/year
  • The most expensive auto insurance company in Carlsbad is Allstate
  • Average auto insurance rates in Carlsbad, TX after a DUI are $3,993/year

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

See how Carlsbad, TX car insurance rates compare to Dallas auto insurance rates, Corpus Christi auto insurance rates, and Arlington auto insurance rates before you read more about the cost of auto insurance in Carlsbad.

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

Carlsbad, TX Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Carlsbad, Texas

Insurance Company Poor Fair Good
Allstate $6,775 $4,962 $4,239
American Family $5,239 $3,244 $2,841
GEICO $4,388 $2,497 $1,675
Nationwide $4,172 $3,340 $2,909
Progressive $5,211 $4,514 $4,187
State Farm $3,509 $2,187 $1,744
USAA $3,082 $1,763 $1,414

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Carlsbad, 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 $3,482 $3,536 $3,440 $3,440 $8,940 $10,875 $4,333 $4,559
American Family $2,343 $2,588 $2,157 $2,451 $5,880 $7,731 $3,294 $3,753
GEICO $2,139 $2,291 $2,033 $2,278 $4,630 $4,813 $2,315 $2,327
Nationwide $2,211 $2,256 $1,954 $2,075 $6,081 $7,839 $2,578 $2,796
Progressive $2,451 $2,340 $2,190 $2,227 $10,389 $11,610 $2,920 $2,968
State Farm $1,740 $1,740 $1,549 $1,549 $4,144 $5,278 $1,890 $1,949
USAA $1,355 $1,375 $1,287 $1,293 $3,629 $3,987 $1,805 $1,961

Buy Cheap Carlsbad, TX Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Carlsbad, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,940 $10,875
American Family $5,880 $7,731
GEICO $4,630 $4,813
Nationwide $6,081 $7,839
Progressive $10,389 $11,610
State Farm $4,144 $5,278
USAA $3,629 $3,987

Buy Cheap Carlsbad, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Carlsbad, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,440 $3,440
American Family $2,157 $2,451
GEICO $2,033 $2,278
Nationwide $1,954 $2,075
Progressive $2,190 $2,227
State Farm $1,549 $1,549
USAA $1,287 $1,293

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

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

Annual Auto Insurance Rates by Coverage Level in Carlsbad, Texas

Insurance Company Low Medium High
Allstate $5,241 $5,294 $5,441
American Family $3,549 $3,659 $4,116
GEICO $2,727 $2,829 $3,004
Nationwide $3,753 $3,325 $3,343
Progressive $4,406 $4,620 $4,885
State Farm $2,356 $2,475 $2,608
USAA $2,026 $2,080 $2,154

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Find Cheap Carlsbad, TX Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Carlsbad, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,206 $5,445
American Family $3,775 $3,775
GEICO $2,800 $2,906
Nationwide $3,474 $3,474
Progressive $4,637 $4,637
State Farm $2,480 $2,480
USAA $2,060 $2,113

Find Cheap Carlsbad, TX Auto Insurance Rates by Driving Record

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

Annual Carlsbad, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,212 $6,306 $6,571 $4,212
American Family $3,452 $4,362 $3,833 $3,452
GEICO $2,425 $3,183 $2,687 $3,118
Nationwide $3,010 $3,010 $4,471 $3,403
Progressive $4,041 $5,236 $4,718 $4,553
State Farm $2,206 $2,527 $2,981 $2,206
USAA $1,569 $2,287 $2,690 $1,799

Find Cheap Carlsbad, TX Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Carlsbad, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,571
American Family $3,833
GEICO $2,687
Nationwide $4,471
Progressive $4,718
State Farm $2,981
USAA $2,690

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

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

Best Annual Auto Insurance Rates by Company in Carlsbad, 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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Find Cheap Carlsbad, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Carlsbad, Texas

Insurance Company Average Annual Rates
Allstate $5,325
American Family $3,775
GEICO $2,853
Nationwide $3,474
Progressive $4,637
State Farm $2,480
USAA $2,086

Compare Auto Insurance Quotes in Carlsbad, TX

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

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