Texarkana, TX Auto Insurance (2024)
The average Texarkana, TX auto insurance rates are $321 per month. The minimum auto insurance in Texarkana is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Texarkana, 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 25, 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 25, 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 average commute length in Texarkana is 17.3 minutes
- Average auto insurance rates in Texarkana, TX for senior drivers are $2,340 per year
- The minimum auto insurance required in Texarkana, Texas is 30/60/25
Texarkana, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Texarkana 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 Texarkana, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Texarkana to other Texas cities, including Dallas auto insurance rates, Fort Worth auto insurance rates, and San Antonio auto insurance rates to see how Texarkana, Texas auto insurance rates stack up.
Before you buy Texarkana, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Texarkana, Texas auto insurance quotes.
Minimum Auto Insurance in Texarkana, Texas
Texarkana, 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 Texarkana, 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 Texarkana, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Texarkana, 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 | $3,296 | $3,322 | $3,254 | $3,254 | $8,748 | $10,546 | $4,072 | $4,236 |
| American Family | $2,616 | $2,914 | $2,457 | $2,815 | $7,006 | $9,179 | $3,769 | $4,300 |
| Geico | $2,570 | $2,761 | $2,449 | $2,759 | $5,599 | $5,826 | $2,785 | $2,793 |
| Nationwide | $2,286 | $2,329 | $2,018 | $2,141 | $6,409 | $8,249 | $2,677 | $2,900 |
| Progressive | $2,638 | $2,542 | $2,324 | $2,379 | $10,533 | $11,777 | $3,152 | $3,231 |
| State Farm | $2,115 | $2,115 | $1,883 | $1,883 | $5,087 | $6,487 | $2,301 | $2,373 |
| USAA | $1,646 | $1,663 | $1,571 | $1,569 | $4,557 | $4,982 | $2,200 | $2,374 |
Cheap Texarkana, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Texarkana, Texas is a challenge. Take a look at the annual teen auto insurance rates in Texarkana, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,748 | $10,546 |
| American Family | $7,006 | $9,179 |
| Geico | $5,599 | $5,826 |
| Nationwide | $6,409 | $8,249 |
| Progressive | $10,533 | $11,777 |
| State Farm | $5,087 | $6,487 |
| USAA | $4,557 | $4,982 |
Cheap Texarkana, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Texarkana, 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 | $3,254 | $3,254 |
| American Family | $2,457 | $2,815 |
| Geico | $2,449 | $2,759 |
| Nationwide | $2,018 | $2,141 |
| Progressive | $2,324 | $2,379 |
| State Farm | $1,883 | $1,883 |
| USAA | $1,571 | $1,569 |
Cheap Texarkana, 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 Texarkana, Texas compared to the annual auto insurance rates with a clean record in Texarkana, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,942 | $6,105 | $6,375 | $3,942 |
| American Family | $3,993 | $5,083 | $4,458 | $3,993 |
| Geico | $2,920 | $3,845 | $3,238 | $3,769 |
| Nationwide | $3,143 | $3,143 | $4,667 | $3,552 |
| Progressive | $4,207 | $5,394 | $4,931 | $4,757 |
| State Farm | $2,691 | $3,089 | $3,651 | $2,691 |
| USAA | $1,920 | $2,827 | $3,330 | $2,205 |
Cheap Texarkana, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Texarkana, Texas is not easy. Compare the annual rates for DUI auto insurance in Texarkana, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,375 |
| American Family | $4,458 |
| Geico | $3,238 |
| Nationwide | $4,667 |
| Progressive | $4,931 |
| State Farm | $3,651 |
| USAA | $3,330 |
Cheap Texarkana, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Texarkana, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,467 | $4,743 | $4,062 |
| American Family | $6,014 | $3,803 | $3,328 |
| Geico | $5,320 | $3,007 | $2,002 |
| Nationwide | $4,353 | $3,490 | $3,035 |
| Progressive | $5,472 | $4,678 | $4,316 |
| State Farm | $4,294 | $2,671 | $2,127 |
| USAA | $3,783 | $2,178 | $1,750 |
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Cheap Texarkana, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Texarkana, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Texarkana, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 75503 | $5,880 |
| 75599 | $5,474 |
Cheap Texarkana, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Texarkana, Texas auto insurance. Find the cheapest annual Texarkana, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,968 | $5,214 |
| American Family | $4,382 | $4,382 |
| Geico | $3,377 | $3,509 |
| Nationwide | $3,626 | $3,626 |
| Progressive | $4,822 | $4,822 |
| State Farm | $3,030 | $3,030 |
| USAA | $2,538 | $2,603 |
Cheap Texarkana, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Texarkana, Texas? Check out the comparison of annual Texarkana, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,969 | $5,046 | $5,258 |
| American Family | $4,076 | $4,219 | $4,851 |
| Geico | $3,276 | $3,406 | $3,647 |
| Nationwide | $3,916 | $3,469 | $3,494 |
| Progressive | $4,618 | $4,803 | $5,045 |
| State Farm | $2,875 | $3,021 | $3,195 |
| USAA | $2,484 | $2,559 | $2,668 |
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Best By Category: Cheapest Auto Insurance in Texarkana, Texas
Compare the cheapest auto insurance companies in Texarkana, 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 Texarkana, Texas Auto Insurance Companies
What auto insurance companies in Texarkana, Texas are the cheapest? Compare the top Texarkana, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,091 |
| American Family | $4,382 |
| Geico | $3,443 |
| Nationwide | $3,626 |
| Progressive | $4,822 |
| State Farm | $3,030 |
| USAA | $2,570 |
What affects auto insurance rates in Texarkana, Texas?
There are a lot of reasons why auto insurance rates in Texarkana, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Texarkana, Texas. Many local factors may affect your Texarkana auto insurance rates.
Texarkana Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Texarkana, Texas auto theft statistics, there have been 139 auto thefts in the city.
Texarkana Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Texarkana, Texas commute length is 17.3 minutes according to City-Data.
Texarkana Traffic
How does Texarkana, Texas rank for traffic? According to Inrix Texarkana, Texas is the 971st most congested worldwide.
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Compare Texarkana, Texas Auto Insurance Quotes
Before you buy Texarkana, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Texarkana, Texas auto insurance quotes.
Frequently Asked Questions
What is Texarkana, TX Auto Insurance?
Texarkana, TX Auto Insurance refers to automobile insurance policies specifically designed for residents of Texarkana, Texas. It provides coverage for vehicles registered and driven in Texarkana, TX, protecting drivers from financial loss in case of accidents, theft, or other damages.
What does Texarkana, TX Auto Insurance typically cover?
Texarkana, TX Auto Insurance typically covers various aspects related to vehicle accidents and damages. This may include liability coverage for bodily injury and property damage to others, collision coverage for damage to your vehicle caused by a collision, comprehensive coverage for non-collision-related damages such as theft, vandalism, or natural disasters, and uninsured/underinsured motorist coverage.
Is auto insurance mandatory in Texarkana, TX?
Yes, auto insurance is mandatory in Texarkana, TX, as it is in the entire state of Texas. The Texas law requires all drivers to have minimum liability coverage to legally operate a vehicle on public roads. Failure to maintain insurance can result in penalties, fines, and potential license suspension.
What are the minimum auto insurance requirements in Texarkana, TX?
In Texarkana, TX, the minimum auto insurance requirements mandated by Texas law are commonly referred to as “30/60/25” coverage. This means you must have at least $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
Are there additional coverage options available for Texarkana, TX Auto Insurance?
Yes, there are additional coverage options available beyond the minimum requirements. You can consider adding collision coverage, comprehensive coverage, medical payments coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, roadside assistance, and rental reimbursement coverage, among others. These options provide extra protection and peace of mind.
How are auto insurance premiums determined in Texarkana, TX?
Auto insurance premiums in Texarkana, TX are determined based on various factors, including but not limited to the driver’s age, gender, driving record, credit history, vehicle type, coverage limits, deductibles, and the number of miles driven. Insurance companies also consider local factors such as the crime rate and accident statistics in the Texarkana area.
Can I get discounts on auto insurance in Texarkana, TX?
Yes, insurance companies often offer discounts on auto insurance policies in Texarkana, TX. Common discounts include safe driver discounts, multi-vehicle discounts, bundling auto and home insurance policies, good student discounts, and discounts for installing anti-theft devices or safety features in your vehicle. It’s best to check with your insurance provider to explore available discounts.
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.