Buy Cheap Elkhart, TX Auto Insurance (2021)

Elkhart, TX auto insurance rates average $310 a month. Minimum auto insurance requirements in Elkhart, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Elkhart, TX, compare Elkhart 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 Elkhart, TX after a DUI are $4,219/year
  • Average auto insurance rates in Elkhart, TX are $310/month
  • Average auto insurance rates in Elkhart, TX for teens drivers are $6,650/year

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

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

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

Elkhart, TX Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Elkhart, Texas

Insurance Company Poor Fair Good
Allstate $6,432 $4,703 $4,024
American Family $5,159 $3,205 $2,807
GEICO $5,303 $2,998 $1,996
Nationwide $4,227 $3,394 $2,952
Progressive $5,564 $4,813 $4,462
State Farm $4,157 $2,583 $2,056
USAA $3,583 $2,063 $1,658

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Elkhart, 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 $3,284 $3,312 $3,244 $3,244 $8,642 $10,424 $4,054 $4,220
American Family $2,302 $2,546 $2,127 $2,419 $5,817 $7,639 $3,244 $3,695
GEICO $2,557 $2,755 $2,466 $2,771 $5,535 $5,830 $2,763 $2,781
Nationwide $2,221 $2,260 $1,965 $2,080 $6,237 $8,009 $2,603 $2,816
Progressive $2,625 $2,493 $2,334 $2,381 $11,096 $12,364 $3,116 $3,161
State Farm $2,074 $2,074 $1,839 $1,839 $4,871 $6,191 $2,248 $2,322
USAA $1,553 $1,565 $1,481 $1,473 $4,353 $4,751 $2,073 $2,230

Buy Cheap Elkhart, TX Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Elkhart, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,642 $10,424
American Family $5,817 $7,639
GEICO $5,535 $5,830
Nationwide $6,237 $8,009
Progressive $11,096 $12,364
State Farm $4,871 $6,191
USAA $4,353 $4,751

Buy Cheap Elkhart, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Elkhart, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,244 $3,244
American Family $2,127 $2,419
GEICO $2,466 $2,771
Nationwide $1,965 $2,080
Progressive $2,334 $2,381
State Farm $1,839 $1,839
USAA $1,481 $1,473

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

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

Annual Auto Insurance Rates by Coverage Level in Elkhart, Texas

Insurance Company Low Medium High
Allstate $4,923 $5,004 $5,232
American Family $3,485 $3,597 $4,090
GEICO $3,269 $3,390 $3,638
Nationwide $3,795 $3,373 $3,404
Progressive $4,723 $4,923 $5,192
State Farm $2,791 $2,923 $3,083
USAA $2,357 $2,425 $2,522

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Find Cheap Elkhart, TX Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Elkhart, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,933 $5,173
American Family $3,724 $3,724
GEICO $3,368 $3,496
Nationwide $3,524 $3,524
Progressive $4,946 $4,946
State Farm $2,932 $2,932
USAA $2,404 $2,465

Find Cheap Elkhart, TX Auto Insurance Rates by Driving Record

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

Annual Elkhart, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,925 $6,054 $6,307 $3,925
American Family $3,406 $4,300 $3,782 $3,406
GEICO $2,914 $3,846 $3,218 $3,750
Nationwide $3,059 $3,059 $4,526 $3,453
Progressive $4,310 $5,582 $5,035 $4,858
State Farm $2,616 $2,987 $3,509 $2,616
USAA $1,817 $2,677 $3,159 $2,086

Find Cheap Elkhart, TX Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Elkhart, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,307
American Family $3,782
GEICO $3,218
Nationwide $4,526
Progressive $5,035
State Farm $3,509
USAA $3,159

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

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

Best Annual Auto Insurance Rates by Company in Elkhart, Texas

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

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Find Cheap Elkhart, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Elkhart, Texas

Insurance Company Average Annual Rates
Allstate $5,053
American Family $3,724
GEICO $3,432
Nationwide $3,524
Progressive $4,946
State Farm $2,932
USAA $2,435

What affects Elkhart, Texas auto insurance rates?

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

Commute Times in Elkhart

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elkhart, TX is 24.3 minutes according to City-Data.

Compare Auto Insurance Quotes in Elkhart, TX

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

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