Buy Cheap Chico, TX Auto Insurance (2021)

Chico, TX auto insurance rates average $311 a month. Minimum auto insurance requirements in Chico, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Chico, TX, compare Chico 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

  • The most expensive auto insurance company in Chico is Allstate
  • Average auto insurance rates in Chico, TX are $311/month
  • Average auto insurance rates in Chico, TX for teens drivers are $6,630/year

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

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

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

Chico, TX Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Chico, Texas

Insurance Company Poor Fair Good
Allstate $6,512 $4,775 $4,088
American Family $5,507 $3,404 $2,974
GEICO $5,508 $3,110 $2,068
Nationwide $4,708 $3,777 $3,283
Progressive $4,959 $4,280 $3,965
State Farm $3,768 $2,346 $1,870
USAA $3,676 $2,116 $1,700

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Chico, 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 $3,322 $3,350 $3,280 $3,280 $8,790 $10,601 $4,105 $4,273
American Family $2,496 $2,755 $2,270 $2,579 $6,115 $8,027 $3,486 $3,963
GEICO $2,662 $2,853 $2,526 $2,830 $5,789 $6,044 $2,884 $2,906
Nationwide $2,449 $2,494 $2,158 $2,290 $6,987 $8,998 $2,880 $3,123
Progressive $2,366 $2,250 $2,102 $2,146 $9,800 $10,908 $2,800 $2,840
State Farm $1,861 $1,861 $1,656 $1,656 $4,457 $5,683 $2,023 $2,090
USAA $1,593 $1,603 $1,519 $1,508 $4,474 $4,878 $2,123 $2,279

Buy Cheap Chico, TX Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Chico, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,790 $10,601
American Family $6,115 $8,027
GEICO $5,789 $6,044
Nationwide $6,987 $8,998
Progressive $9,800 $10,908
State Farm $4,457 $5,683
USAA $4,474 $4,878

Buy Cheap Chico, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Chico, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,280 $3,280
American Family $2,270 $2,579
GEICO $2,526 $2,830
Nationwide $2,158 $2,290
Progressive $2,102 $2,146
State Farm $1,656 $1,656
USAA $1,519 $1,508

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

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

Annual Auto Insurance Rates by Coverage Level in Chico, Texas

Insurance Company Low Medium High
Allstate $5,003 $5,079 $5,292
American Family $3,709 $3,828 $4,348
GEICO $3,405 $3,530 $3,751
Nationwide $4,246 $3,753 $3,768
Progressive $4,202 $4,380 $4,623
State Farm $2,532 $2,653 $2,797
USAA $2,417 $2,488 $2,586

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Find Cheap Chico, TX Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Chico, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,002 $5,248
American Family $3,961 $3,961
GEICO $3,494 $3,630
Nationwide $3,922 $3,922
Progressive $4,401 $4,401
State Farm $2,661 $2,661
USAA $2,466 $2,529

Find Cheap Chico, TX Auto Insurance Rates by Driving Record

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

Annual Chico, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,974 $6,141 $6,410 $3,974
American Family $3,629 $4,568 $4,020 $3,629
GEICO $3,020 $3,975 $3,354 $3,898
Nationwide $3,394 $3,394 $5,059 $3,842
Progressive $3,841 $4,954 $4,484 $4,327
State Farm $2,366 $2,712 $3,200 $2,366
USAA $1,862 $2,747 $3,241 $2,138

Find Cheap Chico, TX Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Chico, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,410
American Family $4,020
GEICO $3,354
Nationwide $5,059
Progressive $4,484
State Farm $3,200
USAA $3,241

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

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

Best Annual Auto Insurance Rates by Company in Chico, Texas

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

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Find Cheap Chico, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Chico, Texas

Insurance Company Average Annual Rates
Allstate $5,125
American Family $3,961
GEICO $3,562
Nationwide $3,922
Progressive $4,401
State Farm $2,661
USAA $2,497

What affects Chico, Texas auto insurance rates?

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

Commute Times in Chico

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Chico, TX is 19.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Chico, TX

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

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