Baytown, TX Auto Insurance (2024)
The average Baytown, TX auto insurance rates are $363 per month. The minimum auto insurance in Baytown is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Baytown, Texas, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
UPDATED: Jun 21, 2023
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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
On This Page
- The cheapest auto insurance company in Baytown is USAA
- The average commute length in Baytown is 25.0 minutes
- The minimum auto insurance required in Baytown, Texas is 30/60/25
Baytown, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Baytown can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Baytown, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Baytown to other Texas cities, including Fort Worth auto insurance rates, Plano auto insurance rates, and Arlington auto insurance rates to see how Baytown, Texas auto insurance rates stack up.
Before you buy Baytown, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Baytown, Texas auto insurance quotes.
Minimum Auto Insurance in Baytown, Texas
Baytown, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Baytown, 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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Cheap Baytown, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Baytown, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,631 | $3,652 | $3,582 | $3,582 | $9,644 | $11,604 | $4,472 | $4,642 |
| American Family | $3,347 | $3,762 | $3,203 | $3,704 | $9,633 | $12,623 | $4,963 | $5,686 |
| Geico | $2,846 | $3,090 | $2,779 | $3,185 | $6,330 | $6,542 | $3,078 | $3,046 |
| Nationwide | $2,562 | $2,603 | $2,265 | $2,395 | $7,321 | $9,386 | $3,017 | $3,261 |
| Progressive | $2,612 | $2,479 | $2,329 | $2,367 | $11,195 | $12,530 | $3,106 | $3,160 |
| State Farm | $2,281 | $2,281 | $2,033 | $2,033 | $5,485 | $6,992 | $2,482 | $2,556 |
| USAA | $1,787 | $1,793 | $1,714 | $1,696 | $5,053 | $5,484 | $2,377 | $2,536 |
Cheap Baytown, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Baytown, Texas is a challenge. Take a look at the annual teen auto insurance rates in Baytown, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,644 | $11,604 |
| American Family | $9,633 | $12,623 |
| Geico | $6,330 | $6,542 |
| Nationwide | $7,321 | $9,386 |
| Progressive | $11,195 | $12,530 |
| State Farm | $5,485 | $6,992 |
| USAA | $5,053 | $5,484 |
Cheap Baytown, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Baytown, Texas? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,582 | $3,582 |
| American Family | $3,203 | $3,704 |
| Geico | $2,779 | $3,185 |
| Nationwide | $2,265 | $2,395 |
| Progressive | $2,329 | $2,367 |
| State Farm | $2,033 | $2,033 |
| USAA | $1,714 | $1,696 |
Cheap Baytown, Texas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Baytown, Texas compared to the annual auto insurance rates with a clean record in Baytown, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,322 | $6,735 | $7,027 | $4,322 |
| American Family | $5,322 | $6,839 | $5,977 | $5,322 |
| Geico | $3,271 | $4,356 | $3,600 | $4,220 |
| Nationwide | $3,559 | $3,559 | $5,268 | $4,019 |
| Progressive | $4,329 | $5,625 | $5,062 | $4,873 |
| State Farm | $2,901 | $3,331 | $3,939 | $2,901 |
| USAA | $2,085 | $3,095 | $3,644 | $2,396 |
Cheap Baytown, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Baytown, Texas is not easy. Compare the annual rates for DUI auto insurance in Baytown, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,027 |
| American Family | $5,977 |
| Geico | $3,600 |
| Nationwide | $5,268 |
| Progressive | $5,062 |
| State Farm | $3,939 |
| USAA | $3,644 |
Cheap Baytown, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Baytown, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,113 | $5,218 | $4,472 |
| American Family | $7,971 | $5,132 | $4,492 |
| Geico | $5,982 | $3,370 | $2,234 |
| Nationwide | $4,925 | $3,951 | $3,428 |
| Progressive | $5,588 | $4,840 | $4,488 |
| State Farm | $4,624 | $2,881 | $2,298 |
| USAA | $4,109 | $2,385 | $1,921 |
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Cheap Baytown, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Baytown, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Baytown, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 77520 | $6,712 |
| 77521 | $6,398 |
| 77523 | $6,319 |
Cheap Baytown, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Baytown, Texas auto insurance. Find the cheapest annual Baytown, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,461 | $5,741 |
| American Family | $5,865 | $5,865 |
| Geico | $3,791 | $3,933 |
| Nationwide | $4,101 | $4,101 |
| Progressive | $4,972 | $4,972 |
| State Farm | $3,268 | $3,268 |
| USAA | $2,769 | $2,841 |
Cheap Baytown, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Baytown, Texas? Check out the comparison of annual Baytown, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,457 | $5,547 | $5,799 |
| American Family | $5,411 | $5,622 | $6,562 |
| Geico | $3,631 | $3,806 | $4,149 |
| Nationwide | $4,405 | $3,927 | $3,972 |
| Progressive | $4,733 | $4,951 | $5,233 |
| State Farm | $3,090 | $3,257 | $3,456 |
| USAA | $2,698 | $2,792 | $2,925 |
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Best By Category: Cheapest Auto Insurance in Baytown, Texas
Compare the cheapest auto insurance companies in Baytown, Texas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
The Cheapest Baytown, Texas Auto Insurance Companies
What auto insurance companies in Baytown, Texas are the cheapest? Compare the top Baytown, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,601 |
| American Family | $5,865 |
| Geico | $3,862 |
| Nationwide | $4,101 |
| Progressive | $4,972 |
| State Farm | $3,268 |
| USAA | $2,805 |
What affects auto insurance rates in Baytown, Texas?
There are a lot of reasons why auto insurance rates in Baytown, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Baytown, Texas. Many local factors may affect your Baytown auto insurance rates.
Baytown Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Baytown, Texas auto theft statistics, there have been 499 auto thefts in the city.
Baytown Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Baytown, Texas commute length is 25.0 minutes according to City-Data.
Baytown Traffic
How does Baytown, Texas rank for traffic? According to Inrix Baytown, Texas is the 908th most congested worldwide.
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Compare Baytown, Texas Auto Insurance Quotes
Before you buy Baytown, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Baytown, Texas auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection for vehicles against physical damage and liability resulting from traffic collisions, theft, or other incidents. It typically includes coverage for property damage, bodily injury, medical expenses, and legal expenses.
Is auto insurance mandatory in Baytown, TX?
Yes, auto insurance is mandatory in Baytown, TX, as it is in the rest of Texas. All drivers are required to carry at least the minimum liability insurance coverage as mandated by the state.
What is the minimum auto insurance coverage required in Baytown, TX?
In Baytown, TX, drivers must carry at least the minimum liability insurance coverage, which includes:
- $30,000 for bodily injury or death per person.
- $60,000 for bodily injury or death per accident if multiple people are involved.
- $25,000 for property damage per accident.
Can I purchase additional coverage options for my auto insurance in Baytown, TX?
Yes, you can purchase additional coverage options to enhance your auto insurance policy in Baytown, TX. Common additional coverage options include comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, personal injury protection, and roadside assistance.
How are auto insurance premiums determined in Baytown, TX?
Auto insurance premiums in Baytown, TX are determined based on several factors, including but not limited to:
- Your driving record
- Your age and gender
- The type of vehicle you drive
- Your credit history
- The coverage options and deductibles you choose
- Your location (Baytown, TX) and the local crime rates
- The number of miles you drive annually
Are there any discounts available for auto insurance in Baytown, TX?
Yes, insurance companies often offer various discounts to policyholders in Baytown, TX. Common discounts may include safe driver discounts, multi-policy discounts (for bundling auto and home insurance, for example), good student discounts, and discounts for vehicles equipped with safety features.
How can I find affordable auto insurance in Baytown, TX?
To find affordable auto insurance in Baytown, TX, you can follow these tips:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a good driving record.
- Opt for a higher deductible, if financially feasible.
- Consider bundling your auto insurance with other policies.
- Inquire about available discounts and take advantage of those you qualify for.
What should I do in case of an auto accident in Baytown, TX?
In case of an auto accident in Baytown, TX, follow these steps:
- Ensure your safety and the safety of others involved. Move to a safe location if possible.
- Call emergency services if necessary and report the accident to the police.
- Exchange information with the other driver(s) involved, including names, contact details, and insurance information.
- Document the accident scene by taking pictures and noting important details.
- Notify your insurance company about the accident and provide them with the necessary information.
- Seek medical attention if needed, even for minor injuries.
- Cooperate with the insurance company’s claims process and provide accurate information.
Remember to consult with your insurance agent or provider for specific instructions based on your policy.
Can I insure my vehicle if I have a bad driving record in Baytown, TX?
Yes, even if you have a bad driving record, you can still insure your vehicle in Baytown, TX. However, insurance companies may consider you a higher risk, and your premiums could be higher as a result. It’s important to compare quotes from different insurance companies to find the best available options for your situation.
How often should I review my auto insurance policy in Baytown, TX?
It’s a good practice to review your auto insurance policy annually or whenever significant life changes occur, such as purchasing a new vehicle, moving to a new location, or experiencing changes in your driving habits. Regularly reviewing your policy helps ensure that your coverage aligns with your current needs and provides an opportunity to explore potential savings or better options.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.