Spring, TX Auto Insurance (2024)
The average Spring, TX auto insurance rates are $357 per month. The minimum auto insurance in Spring is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Spring, 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 29, 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 29, 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 Spring is USAA
- Average auto insurance rates in Spring, TX for senior drivers are $2,585 per year
- The minimum auto insurance required in Spring, Texas is 30/60/25
Spring, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Spring 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 Spring, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Spring to other Texas cities, including Corpus Christi auto insurance rates, Laredo auto insurance rates, and Fort Worth auto insurance rates to see how Spring, Texas auto insurance rates stack up.
Before you buy Spring, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Spring, Texas auto insurance quotes.
Minimum Auto Insurance in Spring, Texas
Spring, 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 Spring, 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 Spring, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Spring, 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 | $3,606 | $3,627 | $3,558 | $3,558 | $9,647 | $11,610 | $4,449 | $4,617 |
| American Family | $3,451 | $3,894 | $3,325 | $3,861 | $10,113 | $13,171 | $5,156 | $5,891 |
| Geico | $2,697 | $2,933 | $2,634 | $3,029 | $6,063 | $6,249 | $2,922 | $2,889 |
| Nationwide | $2,428 | $2,465 | $2,145 | $2,268 | $6,983 | $8,952 | $2,863 | $3,095 |
| Progressive | $2,483 | $2,360 | $2,218 | $2,255 | $10,672 | $11,930 | $2,955 | $3,007 |
| State Farm | $2,296 | $2,296 | $2,052 | $2,052 | $5,620 | $7,181 | $2,504 | $2,576 |
| USAA | $1,693 | $1,694 | $1,625 | $1,604 | $4,836 | $5,236 | $2,251 | $2,392 |
Cheap Spring, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Spring, Texas is a challenge. Take a look at the annual teen auto insurance rates in Spring, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,647 | $11,610 |
| American Family | $10,113 | $13,171 |
| Geico | $6,063 | $6,249 |
| Nationwide | $6,983 | $8,952 |
| Progressive | $10,672 | $11,930 |
| State Farm | $5,620 | $7,181 |
| USAA | $4,836 | $5,236 |
Cheap Spring, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Spring, 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 | $3,558 | $3,558 |
| American Family | $3,325 | $3,861 |
| Geico | $2,634 | $3,029 |
| Nationwide | $2,145 | $2,268 |
| Progressive | $2,218 | $2,255 |
| State Farm | $2,052 | $2,052 |
| USAA | $1,625 | $1,604 |
Cheap Spring, 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 Spring, Texas compared to the annual auto insurance rates with a clean record in Spring, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,299 | $6,720 | $7,018 | $4,299 |
| American Family | $5,527 | $7,147 | $6,231 | $5,527 |
| Geico | $3,116 | $4,158 | $3,422 | $4,013 |
| Nationwide | $3,383 | $3,383 | $5,012 | $3,821 |
| Progressive | $4,125 | $5,356 | $4,816 | $4,643 |
| State Farm | $2,938 | $3,388 | $4,025 | $2,938 |
| USAA | $1,979 | $2,941 | $3,472 | $2,273 |
Cheap Spring, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Spring, Texas is not easy. Compare the annual rates for DUI auto insurance in Spring, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,018 |
| American Family | $6,231 |
| Geico | $3,422 |
| Nationwide | $5,012 |
| Progressive | $4,816 |
| State Farm | $4,025 |
| USAA | $3,472 |
Cheap Spring, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Spring, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,089 | $5,203 | $4,460 |
| American Family | $8,249 | $5,386 | $4,689 |
| Geico | $5,690 | $3,210 | $2,132 |
| Nationwide | $4,674 | $3,760 | $3,265 |
| Progressive | $5,314 | $4,611 | $4,279 |
| State Farm | $4,699 | $2,930 | $2,338 |
| USAA | $3,897 | $2,270 | $1,831 |
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Cheap Spring, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Spring, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Spring, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 77373 | $6,769 |
| 77379 | $6,611 |
| 77380 | $6,081 |
| 77388 | $6,497 |
| 77389 | $6,588 |
Cheap Spring, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Spring, Texas auto insurance. Find the cheapest annual Spring, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,445 | $5,723 |
| American Family | $6,108 | $6,108 |
| Geico | $3,611 | $3,743 |
| Nationwide | $3,900 | $3,900 |
| Progressive | $4,735 | $4,735 |
| State Farm | $3,322 | $3,322 |
| USAA | $2,633 | $2,700 |
Cheap Spring, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Spring, Texas? Check out the comparison of annual Spring, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,447 | $5,533 | $5,772 |
| American Family | $5,623 | $5,843 | $6,858 |
| Geico | $3,458 | $3,627 | $3,947 |
| Nationwide | $4,197 | $3,735 | $3,766 |
| Progressive | $4,522 | $4,716 | $4,967 |
| State Farm | $3,137 | $3,314 | $3,515 |
| USAA | $2,564 | $2,654 | $2,781 |
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Best By Category: Cheapest Auto Insurance in Spring, Texas
Compare the cheapest auto insurance companies in Spring, 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 Spring, Texas Auto Insurance Companies
What auto insurance companies in Spring, Texas are the cheapest? Compare the top Spring, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,584 |
| American Family | $6,108 |
| Geico | $3,677 |
| Nationwide | $3,900 |
| Progressive | $4,735 |
| State Farm | $3,322 |
| USAA | $2,666 |
What affects auto insurance rates in Spring, Texas?
There are a lot of reasons why auto insurance rates in Spring, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Spring, Texas. Many local factors may affect your Spring auto insurance rates.
Spring Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Spring, Texas commute length is 24.2 minutes according to City-Data.
Spring Traffic
How does Spring, Texas rank for traffic? According to Inrix Spring, Texas is the 536th most congested worldwide.
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Compare Spring, Texas Auto Insurance Quotes
Before you buy Spring, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Spring, Texas auto insurance quotes.
Frequently Asked Questions
What factors should be considered when purchasing auto insurance in Spring, TX?
When purchasing auto insurance in Spring, TX, there are several factors to consider:
- Coverage options: Evaluate the types of coverage offered, such as liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection, to ensure they meet your needs.
- Deductibles: Determine the amount you’re comfortable paying out of pocket in the event of a claim and select a deductible that aligns with your financial situation.
- Policy limits: Understand the maximum amount your insurer will pay for covered claims, as inadequate policy limits could leave you personally responsible for any excess costs.
- Discounts: Inquire about available discounts for safe driving records, bundled policies, anti-theft devices, or completing driver’s education courses.
- Financial stability: Research the financial strength and reputation of the insurance company to ensure they have the capacity to pay claims promptly.
What are the minimum auto insurance requirements in Spring, TX?
In Spring, TX, the minimum auto insurance requirements mandated by the state are as follows:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Can my auto insurance policy be transferred if I move to Spring, TX from another state?
If you move to Spring, TX, from another state, you generally cannot transfer your auto insurance policy directly. Since each state has its own specific insurance requirements, policies must be issued based on the regulations and coverage options available in the new state. Contact your current insurance provider, explain your situation, and inquire if they operate in Texas or have any affiliated companies that can assist you in transitioning your coverage.
What happens if I let my auto insurance policy lapse in Spring, TX?
Allowing your auto insurance policy to lapse in Spring, TX, can have several consequences:
- Legal penalties: Driving without insurance is illegal in Texas, and if caught, you may face fines, suspension of your driver’s license, and potential vehicle impoundment.
- Financial risk: If you’re involved in an accident while uninsured, you would be personally responsible for all damages, medical expenses, and potential legal costs. This can lead to significant financial hardship.
- Difficulty obtaining coverage: A history of lapsed coverage can make it challenging to secure affordable insurance in the future, as insurance companies may view you as high-risk.
How can I lower my auto insurance premiums in Spring, TX?
- Choose a higher deductible: Increasing your deductible means you’ll pay more out of pocket in the event of a claim, but it can lower your premiums.
- Take advantage of discounts: Inquire about available discounts such as safe driver discounts, multi-policy discounts (if you have other insurance policies with the same company), or discounts for safety features installed in your vehicle.
- Drive a safer car: Vehicles with advanced safety features or a strong safety record often qualify for lower insurance rates.
- Shop around and compare quotes: Get quotes from multiple insurance providers to find the best rate for your desired coverage. Use our free quote tool by entering your ZIP code to get started on obtaining quotes from top-rated auto insurance companies.
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.