Affordable Car Insurance Rates in Stephenville, TX (2024)
Car insurance rates in Stephenville, TX are $291/month on average. By law, Texas drivers need to carry at least 30/60/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Stephenville car insurance companies to get the coverage you need at the best rates available.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 car insurance company in Stephenville for teen drivers is USAA
- The cheapest car insurance company in Stephenville after a DUI is Geico
- The annual number of car thefts in Stephenville is 24.
Average car insurance rates in Stephenville, Texas are $291 a month. But with a little research you can get a great deal from the top car insurance companies in Stephenville, TX. Before you buy Stephenville, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.
It may even be helpful to compare Stephenville car insurance rates with Plano car insurance rates, Corpus Christi car insurance rates, or Arlington car insurance rates to make sure you’re getting the best Stephenville, TX car insurance quotes available.
Need affordable Stephenville, TX car insurance? Enter your ZIP code to compare Stephenville car insurance quotes from multiple car insurance companies near you.
Stephenville, TX Minimum Car Insurance Coverage
Stephenville, Texas law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.
| 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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Stephenville, TX Car Insurance Rates by Coverage Level
Some Stephenville drivers can get by with the Texas minimum coverage of 30/60/25. Other drivers may need more. See how much your Stephenville, Texas car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,946 | $5,020 | $5,226 |
| American Family | $3,583 | $3,703 | $4,230 |
| Geico | $2,699 | $2,802 | $2,987 |
| Nationwide | $4,158 | $3,673 | $3,687 |
| Progressive | $3,916 | $4,083 | $4,310 |
| State Farm | $2,469 | $2,584 | $2,718 |
| USAA | $2,141 | $2,199 | $2,279 |
Stephenville, TX Car Insurance Rates by Age, Gender, and Marital Status
Stephenville, Texas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Stephenville, TX car insurance, get quotes from multiple car insurance companies in the Stephenville area and see how these criteria affect your rates.
| 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 | $3,290 | $3,320 | $3,248 | $3,248 | $8,656 | $10,447 | $4,065 | $4,238 |
| American Family | $2,348 | $2,604 | $2,184 | $2,491 | $6,048 | $7,910 | $3,333 | $3,791 |
| Geico | $2,129 | $2,279 | $2,026 | $2,269 | $4,569 | $4,752 | $2,301 | $2,310 |
| Nationwide | $2,407 | $2,452 | $2,122 | $2,252 | $6,818 | $8,775 | $2,825 | $3,061 |
| Progressive | $2,230 | $2,126 | $1,977 | $2,020 | $9,052 | $10,093 | $2,638 | $2,684 |
| State Farm | $1,829 | $1,829 | $1,624 | $1,624 | $4,307 | $5,479 | $1,983 | $2,049 |
| USAA | $1,425 | $1,441 | $1,355 | $1,354 | $3,881 | $4,251 | $1,896 | $2,050 |
Stephenville, TX Car Insurance Rates for Teens
How much is Stephenville, Texas car insurance for teens? Compare rates from top Stephenville car insurance companies below to help find the cheapest teen car insurance in Stephenville, TX.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,656 | $10,447 |
| American Family | $6,048 | $7,910 |
| Geico | $4,569 | $4,752 |
| Nationwide | $6,818 | $8,775 |
| Progressive | $9,052 | $10,093 |
| State Farm | $4,307 | $5,479 |
| USAA | $3,881 | $4,251 |
Stephenville, TX Car Insurance Rates for Seniors
Before seniors buy Stephenville, Texas car insurance, they should make sure to shop around. Some Stephenville, TX car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,248 | $3,248 |
| American Family | $2,184 | $2,491 |
| Geico | $2,026 | $2,269 |
| Nationwide | $2,122 | $2,252 |
| Progressive | $1,977 | $2,020 |
| State Farm | $1,624 | $1,624 |
| USAA | $1,355 | $1,354 |
Stephenville, TX Car Insurance Rates by Credit History
How does your credit history affect Stephenville, TX car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,434 | $4,719 | $4,039 |
| American Family | $5,291 | $3,321 | $2,903 |
| Geico | $4,351 | $2,476 | $1,661 |
| Nationwide | $4,611 | $3,696 | $3,211 |
| Progressive | $4,634 | $3,986 | $3,687 |
| State Farm | $3,669 | $2,283 | $1,819 |
| USAA | $3,258 | $1,865 | $1,496 |
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Stephenville, TX Car Insurance Rates by Driver History
How does a single speeding ticket affect your Stephenville, Texas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Stephenville.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,941 | $6,053 | $6,322 | $3,941 |
| American Family | $3,506 | $4,440 | $3,902 | $3,506 |
| Geico | $2,405 | $3,151 | $2,667 | $3,095 |
| Nationwide | $3,325 | $3,325 | $4,945 | $3,761 |
| Progressive | $3,584 | $4,606 | $4,186 | $4,035 |
| State Farm | $2,310 | $2,639 | $3,103 | $2,310 |
| USAA | $1,655 | $2,422 | $2,849 | $1,899 |
Stephenville, TX Car Insurance Rates With a DUI
Even a single DUI can increase your Stephenville, TX car insurance rates. Compare rates below to see which Stephenville car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,322 |
| American Family | $3,902 |
| Geico | $2,667 |
| Nationwide | $4,945 |
| Progressive | $4,186 |
| State Farm | $3,103 |
| USAA | $2,849 |
Stephenville, TX Car Insurance Rates by ZIP Code
Just like Stephenville car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Stephenville, TX car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 76401 | $5,077 |
| 76402 | $5,255 |
Stephenville, TX Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Stephenville, TX car insurance rates may be. Let’s take a look at average car insurance rates from top Stephenville companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,945 | $5,183 |
| American Family | $3,839 | $3,839 |
| Geico | $2,776 | $2,883 |
| Nationwide | $3,839 | $3,839 |
| Progressive | $4,103 | $4,103 |
| State Farm | $2,590 | $2,590 |
| USAA | $2,178 | $2,234 |
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Stephenville, TX Cheapest Car Insurance Rates
How do the top Stephenville, Texas car insurance companies’ average rates stack up against the Stephenville average monthly car insurance rates of $291? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Stephenville, TX Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Stephenville, Texas car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,064 |
| American Family | $3,839 |
| Geico | $2,829 |
| Nationwide | $3,839 |
| Progressive | $4,103 |
| State Farm | $2,591 |
| USAA | $2,206 |
Other Factors Affecting Stephenville, TX Car Insurance Rates
Before you buy Stephenville, Texas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Stephenville, TX Car Theft Rates
The car theft rate in Stephenville, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Stephenville, Texas is 24 stolen cars.
Stephenville, TX Commute Time
How does your Stephenville, TX commute time compare with the average driver? In Stephenville, the average commute is 14.6 minutes.
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Stephenville, TX Car Insurance Quotes
Compare Stephenville, TX car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.