Buy Cheap Desoto, TX Auto Insurance (2021)

Desoto, TX auto insurance rates average $364 a month. Minimum auto insurance requirements in Desoto, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Desoto, TX, compare Desoto 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
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UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in DeSoto after a DUI is Allstate
  • The most expensive auto insurance company in DeSoto is Allstate
  • Average auto insurance rates in DeSoto, TX for teens drivers are $7,765/year

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

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

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

DeSoto, TX Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in DeSoto, Texas

Insurance Company Poor Fair Good
Allstate $8,018 $5,876 $5,035
American Family $8,267 $5,323 $4,656
GEICO $5,388 $3,044 $2,026
Nationwide $4,811 $3,861 $3,357
Progressive $5,055 $4,353 $4,028
State Farm $4,765 $2,973 $2,373
USAA $4,145 $2,415 $1,948

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in DeSoto, 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 $4,094 $4,123 $4,039 $4,039 $10,830 $13,051 $5,050 $5,249
American Family $3,506 $3,938 $3,329 $3,850 $9,941 $13,004 $5,174 $5,917
GEICO $2,587 $2,796 $2,506 $2,853 $5,696 $5,879 $2,796 $2,775
Nationwide $2,505 $2,548 $2,209 $2,342 $7,142 $9,189 $2,947 $3,194
Progressive $2,408 $2,299 $2,138 $2,180 $9,929 $11,099 $2,861 $2,916
State Farm $2,342 $2,342 $2,092 $2,092 $5,679 $7,245 $2,551 $2,623
USAA $1,805 $1,806 $1,735 $1,711 $5,136 $5,558 $2,394 $2,542

Buy Cheap DeSoto, TX Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in DeSoto, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,830 $13,051
American Family $9,941 $13,004
GEICO $5,696 $5,879
Nationwide $7,142 $9,189
Progressive $9,929 $11,099
State Farm $5,679 $7,245
USAA $5,136 $5,558

Buy Cheap DeSoto, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in DeSoto, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,039 $4,039
American Family $3,329 $3,850
GEICO $2,506 $2,853
Nationwide $2,209 $2,342
Progressive $2,138 $2,180
State Farm $2,092 $2,092
USAA $1,735 $1,711

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

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

Annual Auto Insurance Rates by Coverage Level in DeSoto, Texas

Insurance Company Low Medium High
Allstate $6,157 $6,252 $6,519
American Family $5,584 $5,814 $6,849
GEICO $3,290 $3,441 $3,727
Nationwide $4,314 $3,838 $3,876
Progressive $4,270 $4,459 $4,707
State Farm $3,171 $3,354 $3,587
USAA $2,722 $2,823 $2,963

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Find Cheap DeSoto, TX Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in DeSoto, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,151 $6,468
American Family $6,082 $6,082
GEICO $3,422 $3,550
Nationwide $4,010 $4,010
Progressive $4,479 $4,479
State Farm $3,371 $3,371
USAA $2,800 $2,872

Find Cheap DeSoto, TX Auto Insurance Rates by Driving Record

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

Annual DeSoto, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,878 $7,582 $7,899 $4,878
American Family $5,530 $7,075 $6,194 $5,530
GEICO $2,955 $3,916 $3,262 $3,811
Nationwide $3,471 $3,471 $5,169 $3,927
Progressive $3,907 $5,038 $4,568 $4,402
State Farm $2,986 $3,436 $4,074 $2,986
USAA $2,105 $3,133 $3,687 $2,418

Find Cheap DeSoto, TX Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in DeSoto, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,899
American Family $6,194
GEICO $3,262
Nationwide $5,169
Progressive $4,568
State Farm $4,074
USAA $3,687

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

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

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

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

Average Annual Auto Insurance Rates by Company in DeSoto, Texas

Insurance Company Average Annual Rates
Allstate $6,309
American Family $6,082
GEICO $3,486
Nationwide $4,010
Progressive $4,479
State Farm $3,371
USAA $2,836

What affects DeSoto, Texas auto insurance rates?

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

Auto Theft in DeSoto

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for DeSoto, TX auto theft show a total of 185 vehicle thefts annually.

Commute Times in DeSoto

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in DeSoto, TX is 31.7 minutes according to City-Data.

Compare Auto Insurance Quotes in DeSoto, TX

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

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