Buy Cheap South Padre Island, TX Auto Insurance (2022)

South Padre Island, TX auto insurance rates average $338 a month. Minimum auto insurance requirements in South Padre Island, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in South Padre Island, TX, compare South Padre Island 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
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UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in South Padre Island, TX after a DUI are $4,638/year
  • The most expensive auto insurance company in South Padre Island is Allstate
  • Average auto insurance rates in South Padre Island, TX are $338/month

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

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

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

South Padre Island, TX Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in South Padre Island, 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 South Padre Island, TX Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in South Padre Island, Texas

Insurance Company Poor Fair Good
Allstate $6,939 $5,074 $4,334
American Family $6,336 $4,017 $3,497
GEICO $4,578 $2,600 $1,741
Nationwide $5,743 $4,570 $3,974
Progressive $5,313 $4,526 $4,170
State Farm $4,131 $2,569 $2,046
USAA $4,366 $2,515 $2,023

Buy Cheap South Padre Island, TX Auto Insurance by Age, Gender, and Marital Status

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in South Padre Island, 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 $3,566 $3,620 $3,523 $3,523 $9,147 $11,121 $4,434 $4,659
American Family $2,847 $3,167 $2,614 $2,995 $7,257 $9,431 $4,041 $4,580
GEICO $2,248 $2,438 $2,221 $2,558 $4,744 $4,834 $2,405 $2,335
Nationwide $3,009 $3,072 $2,646 $2,820 $8,365 $10,839 $3,519 $3,829
Progressive $2,593 $2,488 $2,282 $2,338 $10,136 $11,321 $3,074 $3,125
State Farm $2,061 $2,061 $1,829 $1,829 $4,852 $6,160 $2,235 $2,295
USAA $1,925 $1,961 $1,839 $1,860 $5,126 $5,639 $2,581 $2,813

Buy Cheap South Padre Island, TX Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in South Padre Island, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,147 $11,121
American Family $7,257 $9,431
GEICO $4,744 $4,834
Nationwide $8,365 $10,839
Progressive $10,136 $11,321
State Farm $4,852 $6,160
USAA $5,126 $5,639

Buy Cheap South Padre Island, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in South Padre Island, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,523 $3,523
American Family $2,614 $2,995
GEICO $2,221 $2,558
Nationwide $2,646 $2,820
Progressive $2,282 $2,338
State Farm $1,829 $1,829
USAA $1,839 $1,860

Find Cheap Auto Insurance Rates in South Padre Island, TX by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in South Padre Island, Texas

Insurance Company Low Medium High
Allstate $5,356 $5,414 $5,578
American Family $4,244 $4,413 $5,193
GEICO $2,738 $2,901 $3,280
Nationwide $5,091 $4,548 $4,648
Progressive $4,401 $4,646 $4,962
State Farm $2,730 $2,894 $3,122
USAA $2,850 $2,951 $3,103

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Find Cheap South Padre Island, TX Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in South Padre Island, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,325 $5,574
American Family $4,617 $4,617
GEICO $2,912 $3,034
Nationwide $4,762 $4,762
Progressive $4,670 $4,670
State Farm $2,915 $2,915
USAA $2,929 $3,007

Find Cheap South Padre Island, TX Auto Insurance Rates by Driving Record

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

Annual South Padre Island, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,304 $6,465 $6,723 $4,304
American Family $4,226 $5,325 $4,689 $4,226
GEICO $2,526 $3,311 $2,786 $3,269
Nationwide $4,108 $4,108 $6,169 $4,663
Progressive $4,075 $5,219 $4,780 $4,604
State Farm $2,596 $2,969 $3,500 $2,596
USAA $2,225 $3,269 $3,821 $2,557

Find Cheap South Padre Island, TX Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in South Padre Island, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,723
American Family $4,689
GEICO $2,786
Nationwide $6,169
Progressive $4,780
State Farm $3,500
USAA $3,821

Winners by Category: Where to Buy Cheap Auto Insurance in South Padre Island, TX

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

Best Annual Auto Insurance Rates by Company in South Padre Island, Texas

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

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Find Cheap South Padre Island, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in South Padre Island, Texas

Insurance Company Average Annual Rates
Allstate $5,449
American Family $4,617
GEICO $2,973
Nationwide $4,762
Progressive $4,670
State Farm $2,915
USAA $2,968

What affects South Padre Island, Texas auto insurance rates?

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

Auto Theft in South Padre Island

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for South Padre Island, TX auto theft show a total of 30 vehicle thefts annually.

Commute Times in South Padre Island

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in South Padre Island, TX is 15.8 minutes according to City-Data.

Compare Auto Insurance Quotes in South Padre Island, TX

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

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