Buy Cheap Electra, TX Auto Insurance (2021)

Electra, TX auto insurance rates average $294 a month. Minimum auto insurance requirements in Electra, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Electra, TX, compare Electra 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 Electra, TX are $294/month
  • The most expensive auto insurance company in Electra after a DUI is Allstate
  • The most expensive auto insurance company in Electra is Allstate

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

See how Electra, TX car insurance rates compare to Plano auto insurance rates, San Antonio auto insurance rates, and Austin auto insurance rates before you read more about the cost of auto insurance in Electra.

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

Electra, TX Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Electra, Texas

Insurance Company Poor Fair Good
Allstate $6,577 $4,815 $4,117
American Family $5,879 $3,558 $3,085
GEICO $3,891 $2,224 $1,500
Nationwide $4,554 $3,650 $3,174
Progressive $5,082 $4,380 $4,055
State Farm $3,499 $2,180 $1,738
USAA $3,055 $1,744 $1,399

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Electra, 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 $3,339 $3,379 $3,299 $3,299 $8,831 $10,705 $4,156 $4,349
American Family $2,764 $3,031 $2,424 $2,740 $6,218 $8,188 $3,762 $4,265
GEICO $1,924 $2,052 $1,820 $2,026 $4,071 $4,244 $2,078 $2,093
Nationwide $2,382 $2,428 $2,101 $2,230 $6,721 $8,657 $2,794 $3,029
Progressive $2,425 $2,310 $2,156 $2,198 $10,007 $11,164 $2,872 $2,911
State Farm $1,739 $1,739 $1,546 $1,546 $4,123 $5,247 $1,888 $1,948
USAA $1,346 $1,364 $1,278 $1,282 $3,590 $3,942 $1,787 $1,939

Buy Cheap Electra, TX Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Electra, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,831 $10,705
American Family $6,218 $8,188
GEICO $4,071 $4,244
Nationwide $6,721 $8,657
Progressive $10,007 $11,164
State Farm $4,123 $5,247
USAA $3,590 $3,942

Buy Cheap Electra, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Electra, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,299 $3,299
American Family $2,424 $2,740
GEICO $1,820 $2,026
Nationwide $2,101 $2,230
Progressive $2,156 $2,198
State Farm $1,546 $1,546
USAA $1,278 $1,282

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

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

Annual Auto Insurance Rates by Coverage Level in Electra, Texas

Insurance Company Low Medium High
Allstate $5,076 $5,135 $5,298
American Family $3,970 $4,069 $4,482
GEICO $2,428 $2,515 $2,673
Nationwide $4,105 $3,629 $3,645
Progressive $4,267 $4,484 $4,765
State Farm $2,348 $2,465 $2,602
USAA $2,006 $2,060 $2,131

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Find Cheap Electra, TX Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Electra, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,049 $5,290
American Family $4,174 $4,174
GEICO $2,490 $2,588
Nationwide $3,793 $3,793
Progressive $4,505 $4,505
State Farm $2,472 $2,472
USAA $2,039 $2,092

Find Cheap Electra, TX Auto Insurance Rates by Driving Record

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

Annual Electra, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,030 $6,177 $6,441 $4,030
American Family $3,829 $4,809 $4,228 $3,829
GEICO $2,162 $2,814 $2,400 $2,778
Nationwide $3,284 $3,284 $4,888 $3,715
Progressive $3,929 $5,073 $4,592 $4,427
State Farm $2,201 $2,519 $2,967 $2,201
USAA $1,555 $2,266 $2,659 $1,783

Find Cheap Electra, TX Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Electra, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,441
American Family $4,228
GEICO $2,400
Nationwide $4,888
Progressive $4,592
State Farm $2,967
USAA $2,659

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

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

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

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

Average Annual Auto Insurance Rates by Company in Electra, Texas

Insurance Company Average Annual Rates
Allstate $5,170
American Family $4,174
GEICO $2,539
Nationwide $3,793
Progressive $4,505
State Farm $2,472
USAA $2,066

What affects Electra, Texas auto insurance rates?

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

Auto Theft in Electra

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Electra, TX auto theft show a total of 4 vehicle thefts annually.

Commute Times in Electra

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Electra, TX is 20.3 minutes according to City-Data.

Compare Auto Insurance Quotes in Electra, TX

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

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