Buy Cheap Hempstead, TX Auto Insurance (2021)

Hempstead, TX auto insurance rates average $344 a month. Minimum auto insurance requirements in Hempstead, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Hempstead, TX, compare Hempstead 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

  • The most expensive auto insurance company in Hempstead after a DUI is Allstate
  • Average auto insurance rates in Hempstead, TX after a DUI are $4,680/year
  • The most expensive auto insurance company in Hempstead is American Family

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

See how Hempstead, TX car insurance rates compare to Plano auto insurance rates, Laredo auto insurance rates, and Fort Worth auto insurance rates before you read more about the cost of auto insurance in Hempstead.

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

Hempstead, TX Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Hempstead, Texas

Insurance Company Poor Fair Good
Allstate $6,881 $5,048 $4,323
American Family $7,762 $5,046 $4,391
GEICO $5,394 $3,047 $2,028
Nationwide $4,736 $3,805 $3,302
Progressive $5,052 $4,371 $4,052
State Farm $4,269 $2,654 $2,113
USAA $4,073 $2,355 $1,894

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hempstead, 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 $3,502 $3,530 $3,456 $3,456 $9,317 $11,238 $4,331 $4,508
American Family $3,295 $3,708 $3,146 $3,644 $9,405 $12,234 $4,874 $5,558
GEICO $2,575 $2,796 $2,509 $2,874 $5,700 $5,909 $2,787 $2,765
Nationwide $2,461 $2,500 $2,175 $2,300 $7,060 $9,049 $2,900 $3,134
Progressive $2,392 $2,262 $2,133 $2,172 $10,072 $11,231 $2,823 $2,851
State Farm $2,115 $2,115 $1,879 $1,879 $5,035 $6,410 $2,297 $2,367
USAA $1,759 $1,768 $1,682 $1,668 $5,002 $5,441 $2,352 $2,518

Buy Cheap Hempstead, TX Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hempstead, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,317 $11,238
American Family $9,405 $12,234
GEICO $5,700 $5,909
Nationwide $7,060 $9,049
Progressive $10,072 $11,231
State Farm $5,035 $6,410
USAA $5,002 $5,441

Buy Cheap Hempstead, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hempstead, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,456 $3,456
American Family $3,146 $3,644
GEICO $2,509 $2,874
Nationwide $2,175 $2,300
Progressive $2,133 $2,172
State Farm $1,879 $1,879
USAA $1,682 $1,668

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

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

Annual Auto Insurance Rates by Coverage Level in Hempstead, Texas

Insurance Company Low Medium High
Allstate $5,294 $5,371 $5,587
American Family $5,270 $5,477 $6,452
GEICO $3,282 $3,436 $3,750
Nationwide $4,245 $3,778 $3,818
Progressive $4,247 $4,469 $4,760
State Farm $2,856 $3,003 $3,178
USAA $2,677 $2,762 $2,882

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Find Cheap Hempstead, TX Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Hempstead, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,286 $5,548
American Family $5,733 $5,733
GEICO $3,424 $3,555
Nationwide $3,947 $3,947
Progressive $4,492 $4,492
State Farm $3,012 $3,012
USAA $2,739 $2,809

Find Cheap Hempstead, TX Auto Insurance Rates by Driving Record

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

Annual Hempstead, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,193 $6,497 $6,786 $4,193
American Family $5,198 $6,692 $5,845 $5,198
GEICO $2,960 $3,930 $3,255 $3,813
Nationwide $3,426 $3,426 $5,071 $3,868
Progressive $3,916 $5,075 $4,573 $4,404
State Farm $2,679 $3,069 $3,621 $2,679
USAA $2,062 $3,053 $3,612 $2,368

Find Cheap Hempstead, TX Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hempstead, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,786
American Family $5,845
GEICO $3,255
Nationwide $5,071
Progressive $4,573
State Farm $3,621
USAA $3,612

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

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

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

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

Average Annual Auto Insurance Rates by Company in Hempstead, Texas

Insurance Company Average Annual Rates
Allstate $5,417
American Family $5,733
GEICO $3,489
Nationwide $3,947
Progressive $4,492
State Farm $3,012
USAA $2,774

What affects Hempstead, Texas auto insurance rates?

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

Auto Theft in Hempstead

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Hempstead, TX auto theft show a total of 7 vehicle thefts annually.

Commute Times in Hempstead

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Hempstead, TX is 28.0 minutes according to City-Data.

Traffic in Hempstead

How is traffic in Hempstead, Texas? Inrix data shows that Hempstead, TX traffic makes it the 169th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Hempstead, TX

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

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