Buy Cheap Katy, TX Auto Insurance (2021)

Katy, TX auto insurance rates average $367 a month. Minimum auto insurance requirements in Katy, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Katy, TX, compare Katy 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 Katy, TX are $367/month
  • Average auto insurance rates in Katy, TX after a DUI are $4,984/year
  • The most expensive auto insurance company in Katy is American Family

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

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

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

Katy, TX Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Katy, Texas

Insurance Company Poor Fair Good
Allstate $7,047 $5,170 $4,432
American Family $8,934 $5,867 $5,112
GEICO $5,629 $3,176 $2,110
Nationwide $4,800 $3,859 $3,351
Progressive $5,668 $4,909 $4,552
State Farm $4,491 $2,799 $2,233
USAA $4,082 $2,369 $1,909

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Katy, 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 $3,592 $3,610 $3,543 $3,543 $9,583 $11,521 $4,422 $4,584
American Family $3,708 $4,196 $3,593 $4,182 $11,064 $14,395 $5,583 $6,381
GEICO $2,670 $2,903 $2,598 $2,990 $6,003 $6,182 $2,897 $2,866
Nationwide $2,493 $2,531 $2,202 $2,329 $7,164 $9,191 $2,939 $3,179
Progressive $2,649 $2,511 $2,363 $2,402 $11,363 $12,711 $3,147 $3,196
State Farm $2,203 $2,203 $1,967 $1,967 $5,354 $6,833 $2,401 $2,469
USAA $1,769 $1,775 $1,696 $1,679 $5,032 $5,463 $2,360 $2,519

Buy Cheap Katy, TX Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Katy, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,583 $11,521
American Family $11,064 $14,395
GEICO $6,003 $6,182
Nationwide $7,164 $9,191
Progressive $11,363 $12,711
State Farm $5,354 $6,833
USAA $5,032 $5,463

Buy Cheap Katy, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Katy, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,543 $3,543
American Family $3,593 $4,182
GEICO $2,598 $2,990
Nationwide $2,202 $2,329
Progressive $2,363 $2,402
State Farm $1,967 $1,967
USAA $1,696 $1,679

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

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

Annual Auto Insurance Rates by Coverage Level in Katy, Texas

Insurance Company Low Medium High
Allstate $5,404 $5,495 $5,751
American Family $6,084 $6,337 $7,492
GEICO $3,420 $3,588 $3,908
Nationwide $4,300 $3,834 $3,876
Progressive $4,790 $5,020 $5,318
State Farm $2,995 $3,164 $3,364
USAA $2,683 $2,774 $2,903

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Find Cheap Katy, TX Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Katy, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,410 $5,689
American Family $6,638 $6,638
GEICO $3,572 $3,705
Nationwide $4,003 $4,003
Progressive $5,043 $5,043
State Farm $3,174 $3,174
USAA $2,751 $2,822

Find Cheap Katy, TX Auto Insurance Rates by ZIP Code

Auto insurance rates in Katy, Texas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Katy, TX to see how much where you live in Katy affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Katy, Texas

ZIP Code Average Annual Rates
77449 $6,799
77450 $6,185
77493 $6,414
77494 $6,031

Find Cheap Katy, TX Auto Insurance Rates by Driving Record

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

Annual Katy, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,272 $6,682 $6,974 $4,272
American Family $6,006 $7,766 $6,773 $6,006
GEICO $3,083 $4,108 $3,389 $3,974
Nationwide $3,471 $3,471 $5,150 $3,922
Progressive $4,390 $5,707 $5,133 $4,941
State Farm $2,811 $3,236 $3,839 $2,811
USAA $2,070 $3,071 $3,628 $2,377

Find Cheap Katy, TX Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Katy, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,974
American Family $6,773
GEICO $3,389
Nationwide $5,150
Progressive $5,133
State Farm $3,839
USAA $3,628

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

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

Best Annual Auto Insurance Rates by Company in Katy, Texas

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

Find Cheap Katy, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Katy, Texas

Insurance Company Average Annual Rates
Allstate $5,550
American Family $6,638
GEICO $3,639
Nationwide $4,003
Progressive $5,043
State Farm $3,174
USAA $2,787

What affects Katy, Texas auto insurance rates?

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

Auto Theft in Katy

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Katy, TX auto theft show a total of 29 vehicle thefts annually.

Commute Times in Katy

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Katy, TX is 31.4 minutes according to City-Data.

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Compare Auto Insurance Quotes in Katy, TX

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

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