Buy Cheap Harker Heights, TX Auto Insurance (2021)

Harker Heights, TX auto insurance rates average $283 a month. Minimum auto insurance requirements in Harker Heights, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Harker Heights, TX, compare Harker Heights 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 Harker Heights after a DUI is Allstate
  • Average auto insurance rates in Harker Heights, TX are $283/month
  • Average auto insurance rates in Harker Heights, TX for teens drivers are $6,012/year

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

See how Harker Heights, TX car insurance rates compare to Laredo auto insurance rates, Plano auto insurance rates, and Houston auto insurance rates before you read more about the cost of auto insurance in Harker Heights.

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

Harker Heights, TX Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Harker Heights, 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 Harker Heights, TX Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Harker Heights, Texas

Insurance Company Poor Fair Good
Allstate $6,547 $4,783 $4,092
American Family $5,745 $3,634 $3,191
GEICO $4,127 $2,354 $1,583
Nationwide $3,855 $3,104 $2,701
Progressive $4,180 $3,612 $3,348
State Farm $3,778 $2,354 $1,877
USAA $3,105 $1,797 $1,448

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Harker Heights, 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 $3,328 $3,353 $3,288 $3,288 $8,835 $10,650 $4,111 $4,272
American Family $2,510 $2,794 $2,357 $2,699 $6,688 $8,751 $3,608 $4,112
GEICO $2,011 $2,160 $1,931 $2,172 $4,354 $4,527 $2,172 $2,176
Nationwide $2,030 $2,064 $1,799 $1,902 $5,705 $7,307 $2,380 $2,570
Progressive $1,995 $1,915 $1,779 $1,812 $8,214 $9,179 $2,376 $2,435
State Farm $1,855 $1,855 $1,655 $1,655 $4,494 $5,738 $2,021 $2,084
USAA $1,355 $1,360 $1,295 $1,281 $3,796 $4,129 $1,795 $1,920

Buy Cheap Harker Heights, TX Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Harker Heights, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,835 $10,650
American Family $6,688 $8,751
GEICO $4,354 $4,527
Nationwide $5,705 $7,307
Progressive $8,214 $9,179
State Farm $4,494 $5,738
USAA $3,796 $4,129

Buy Cheap Harker Heights, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Harker Heights, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,288 $3,288
American Family $2,357 $2,699
GEICO $1,931 $2,172
Nationwide $1,799 $1,902
Progressive $1,779 $1,812
State Farm $1,655 $1,655
USAA $1,295 $1,281

Find Cheap Auto Insurance Rates in Harker Heights, TX by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Harker Heights, Texas

Insurance Company Low Medium High
Allstate $5,006 $5,090 $5,327
American Family $3,888 $4,041 $4,641
GEICO $2,562 $2,662 $2,840
Nationwide $3,477 $3,085 $3,098
Progressive $3,577 $3,701 $3,862
State Farm $2,536 $2,665 $2,808
USAA $2,047 $2,108 $2,194

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Harker Heights, TX Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Harker Heights, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,016 $5,265
American Family $4,190 $4,190
GEICO $2,640 $2,736
Nationwide $3,220 $3,220
Progressive $3,713 $3,713
State Farm $2,670 $2,670
USAA $2,090 $2,143

Find Cheap Harker Heights, TX Auto Insurance Rates by Driving Record

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

Annual Harker Heights, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,975 $6,179 $6,433 $3,975
American Family $3,832 $4,837 $4,259 $3,832
GEICO $2,287 $3,009 $2,524 $2,932
Nationwide $2,800 $2,800 $4,124 $3,156
Progressive $3,247 $4,171 $3,783 $3,652
State Farm $2,367 $2,722 $3,222 $2,367
USAA $1,582 $2,331 $2,740 $1,813

Find Cheap Harker Heights, TX Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Harker Heights, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,433
American Family $4,259
GEICO $2,524
Nationwide $4,124
Progressive $3,783
State Farm $3,222
USAA $2,740

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

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

Best Annual Auto Insurance Rates by Company in Harker Heights, 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 Harker Heights, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Harker Heights, Texas

Insurance Company Average Annual Rates
Allstate $5,141
American Family $4,190
GEICO $2,688
Nationwide $3,220
Progressive $3,713
State Farm $2,670
USAA $2,116

What affects Harker Heights, Texas auto insurance rates?

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

Auto Theft in Harker Heights

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Harker Heights, TX auto theft show a total of 43 vehicle thefts annually.

Commute Times in Harker Heights

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Harker Heights, TX is 22.8 minutes according to City-Data.

Compare Auto Insurance Quotes in Harker Heights, TX

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption