Buy Cheap Elgin, TX Auto Insurance (2021)

Elgin, TX auto insurance rates average $320 a month. Minimum auto insurance requirements in Elgin, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Elgin, TX, compare Elgin auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • The most expensive auto insurance company in Elgin is Allstate
  • Average auto insurance rates in Elgin, TX after a DUI are $4,391/year
  • Average auto insurance rates in Elgin, TX for teens drivers are $6,879/year

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

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

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

Elgin, TX Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Elgin, 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Elgin, TX Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Elgin, Texas

Insurance Company Poor Fair Good
Allstate $6,667 $4,900 $4,200
American Family $6,019 $3,833 $3,349
GEICO $5,011 $2,837 $1,893
Nationwide $4,887 $3,921 $3,404
Progressive $4,773 $4,138 $3,839
State Farm $4,502 $2,802 $2,233
USAA $3,594 $2,088 $1,684

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Elgin, 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 $3,378 $3,398 $3,333 $3,333 $9,120 $10,976 $4,174 $4,333
American Family $2,569 $2,870 $2,449 $2,812 $7,129 $9,343 $3,747 $4,284
GEICO $2,397 $2,598 $2,328 $2,654 $5,300 $5,516 $2,596 $2,588
Nationwide $2,543 $2,585 $2,246 $2,378 $7,260 $9,322 $2,993 $3,239
Progressive $2,245 $2,134 $2,006 $2,039 $9,537 $10,661 $2,665 $2,713
State Farm $2,194 $2,194 $1,959 $1,959 $5,384 $6,883 $2,394 $2,464
USAA $1,568 $1,571 $1,504 $1,485 $4,426 $4,798 $2,079 $2,212

Buy Cheap Elgin, TX Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Elgin, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,120 $10,976
American Family $7,129 $9,343
GEICO $5,300 $5,516
Nationwide $7,260 $9,322
Progressive $9,537 $10,661
State Farm $5,384 $6,883
USAA $4,426 $4,798

Buy Cheap Elgin, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Elgin, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,333 $3,333
American Family $2,449 $2,812
GEICO $2,328 $2,654
Nationwide $2,246 $2,378
Progressive $2,006 $2,039
State Farm $1,959 $1,959
USAA $1,504 $1,485

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

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

Annual Auto Insurance Rates by Coverage Level in Elgin, Texas

Insurance Company Low Medium High
Allstate $5,132 $5,209 $5,425
American Family $4,108 $4,241 $4,852
GEICO $3,070 $3,204 $3,468
Nationwide $4,396 $3,901 $3,916
Progressive $4,060 $4,232 $4,457
State Farm $3,008 $3,171 $3,358
USAA $2,364 $2,445 $2,557

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Elgin, TX Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Elgin, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,127 $5,384
American Family $4,400 $4,400
GEICO $3,188 $3,306
Nationwide $4,071 $4,071
Progressive $4,250 $4,250
State Farm $3,179 $3,179
USAA $2,424 $2,486

Find Cheap Elgin, TX Auto Insurance Rates by Driving Record

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

Annual Elgin, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,039 $6,324 $6,620 $4,039
American Family $3,991 $5,135 $4,483 $3,991
GEICO $2,757 $3,658 $3,030 $3,543
Nationwide $3,529 $3,529 $5,237 $3,988
Progressive $3,707 $4,801 $4,324 $4,167
State Farm $2,811 $3,242 $3,852 $2,811
USAA $1,828 $2,707 $3,189 $2,098

Find Cheap Elgin, TX Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Elgin, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,620
American Family $4,483
GEICO $3,030
Nationwide $5,237
Progressive $4,324
State Farm $3,852
USAA $3,189

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

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

Best Annual Auto Insurance Rates by Company in Elgin, Texas

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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Elgin, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Elgin, Texas

Insurance Company Average Annual Rates
Allstate $5,256
American Family $4,400
GEICO $3,247
Nationwide $4,071
Progressive $4,250
State Farm $3,179
USAA $2,455

What affects Elgin, Texas auto insurance rates?

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

Auto Theft in Elgin

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

Commute Times in Elgin

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elgin, TX is 28.2 minutes according to City-Data.

Traffic in Elgin

How is traffic in Elgin, Texas? Inrix data shows that Elgin, TX traffic makes it the 862nd-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Elgin, TX

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption