Buy Cheap Commerce, TX Auto Insurance (2021)

Commerce, TX auto insurance rates average $290 a month. Minimum auto insurance requirements in Commerce, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Commerce, TX, compare Commerce 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 Commerce is Allstate
  • Average auto insurance rates in Commerce, TX after a DUI are $3,980/year
  • Average auto insurance rates in Commerce, TX are $290/month

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

See how Commerce, TX car insurance rates compare to Fort Worth auto insurance rates, Plano auto insurance rates, and Houston auto insurance rates before you read more about the cost of auto insurance in Commerce.

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

Commerce, TX Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Commerce, Texas

Insurance Company Poor Fair Good
Allstate $6,265 $4,608 $3,948
American Family $5,449 $3,390 $2,975
GEICO $4,289 $2,442 $1,640
Nationwide $4,312 $3,463 $3,008
Progressive $4,538 $3,913 $3,624
State Farm $3,851 $2,397 $1,910
USAA $3,468 $1,999 $1,607

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Commerce, 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 $3,176 $3,203 $3,133 $3,133 $8,527 $10,298 $3,941 $4,109
American Family $2,411 $2,669 $2,235 $2,545 $6,188 $8,139 $3,417 $3,898
GEICO $2,102 $2,257 $2,033 $2,281 $4,474 $4,658 $2,259 $2,257
Nationwide $2,268 $2,304 $2,010 $2,124 $6,366 $8,151 $2,659 $2,871
Progressive $2,174 $2,076 $1,935 $1,973 $8,907 $9,938 $2,577 $2,621
State Farm $1,904 $1,904 $1,694 $1,694 $4,553 $5,802 $2,069 $2,135
USAA $1,506 $1,517 $1,437 $1,428 $4,215 $4,597 $2,008 $2,158

Buy Cheap Commerce, TX Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Commerce, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,527 $10,298
American Family $6,188 $8,139
GEICO $4,474 $4,658
Nationwide $6,366 $8,151
Progressive $8,907 $9,938
State Farm $4,553 $5,802
USAA $4,215 $4,597

Buy Cheap Commerce, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Commerce, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,133 $3,133
American Family $2,235 $2,545
GEICO $2,033 $2,281
Nationwide $2,010 $2,124
Progressive $1,935 $1,973
State Farm $1,694 $1,694
USAA $1,437 $1,428

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

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

Annual Auto Insurance Rates by Coverage Level in Commerce, Texas

Insurance Company Low Medium High
Allstate $4,847 $4,905 $5,069
American Family $3,679 $3,802 $4,332
GEICO $2,649 $2,756 $2,965
Nationwide $3,859 $3,443 $3,482
Progressive $3,835 $4,008 $4,233
State Farm $2,582 $2,710 $2,866
USAA $2,283 $2,349 $2,443

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Find Cheap Commerce, TX Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Commerce, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,822 $5,058
American Family $3,938 $3,938
GEICO $2,739 $2,841
Nationwide $3,594 $3,594
Progressive $4,025 $4,025
State Farm $2,719 $2,719
USAA $2,329 $2,388

Find Cheap Commerce, TX Auto Insurance Rates by Driving Record

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

Annual Commerce, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,820 $5,920 $6,201 $3,820
American Family $3,600 $4,551 $4,000 $3,600
GEICO $2,373 $3,116 $2,623 $3,049
Nationwide $3,125 $3,125 $4,603 $3,523
Progressive $3,516 $4,524 $4,103 $3,957
State Farm $2,417 $2,771 $3,271 $2,417
USAA $1,761 $2,593 $3,060 $2,020

Find Cheap Commerce, TX Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Commerce, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,201
American Family $4,000
GEICO $2,623
Nationwide $4,603
Progressive $4,103
State Farm $3,271
USAA $3,060

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

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

Best Annual Auto Insurance Rates by Company in Commerce, 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 Commerce, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Commerce, Texas

Insurance Company Average Annual Rates
Allstate $4,940
American Family $3,938
GEICO $2,790
Nationwide $3,594
Progressive $4,025
State Farm $2,719
USAA $2,358

What affects Commerce, Texas auto insurance rates?

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

Auto Theft in Commerce

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Commerce, TX auto theft show a total of 12 vehicle thefts annually.

Commute Times in Commerce

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Commerce, TX is 18.3 minutes according to City-Data.

Compare Auto Insurance Quotes in Commerce, TX

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

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