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As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Cheapest recent rates near Galveston, Texas
Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $58/mo for full coverage in Galveston and other Texas cities.
*Quotes generated for Insurify users in and around Galveston, Texas within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Galveston, Texas within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Finding cheap car insurance can go a long way toward maximizing every dollar in your budget. Drivers in Galveston pay an overall average of $181 monthly for auto coverage. This is about the same as the statewide average of $185 in Texas but somewhat higher than the national overall average of $160 per month. These higher rates in Texas may be a result of frequent high-risk weather events and the large population of the state.
You have plenty of insurance options to choose from in Galveston, so you’ll want to take the time to compare coverages and quotes from as many companies as possible. Here’s what you need to know about buying car insurance in Galveston.
Quick Facts
State Farm, GEICO, and Hugo are the cheapest car insurance companies in Galveston.
High-risk drivers can participate in the Texas Automobile Insurance Plan Association (TAIPA) if they can’t find insurance.
Drivers in Galveston pay $123 per month for liability coverage and $239 for full coverage, on average.
3 of the cheapest car insurance companies in Galveston
Galveston drivers looking for affordable auto insurance should consider more than just the policy cost when shopping around. While a lower premium quote can help you save money each month, you want to ensure adequate coverage if you need to file a claim.
The companies below offer affordable coverage in Galveston, but they may not be the best options for your insurance needs and financial situation. You should always compare quotes from multiple insurance companies before buying a policy. The average rates in the table below are for Texas overall.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.6
$64
$38
Cheap rates
GEICO
4.4
$69
$42
Coverage options
Allstate
4.4
$90
$54
Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$63/mo
State Farm insures more than 9% of car insurance policyholders in the U.S. and Canada, making it North America’s largest auto insurance company. It’s also financially sound, with an AM Best financial strength rating of A++ (Superior). It offers cheap rates to Galveston drivers, along with various coverages and discounts.
Pros
Bundling discounts available, including for life and auto
Coverage choices for rideshare drivers, car rental, and travel expenses
Cons
Limited customer service options outside of mobile app
There isn't much customer loyalty; discounts are negligible.
Charles - May 15, 2024
Verified
Good but Pricey
The price went up 36% this year and 15% last year, but the coverage is good and the claims seem to be fair. I use insurance that is better than the state requirements.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$41/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$69/mo
GEICO first opened its doors as the Government Employees Insurance Company, providing government workers and military personnel with auto insurance. Today, it offers a range of insurance products — from homeowners to auto, flood, and life insurance — to millions of Americans. AM Best gives GEICO an A++ (Superior) rating for financial strength.
Pros
Affordable rates for good drivers, young drivers, and seniors
Offers an accident forgiveness program
Cons
Higher-than-average rates for drivers with violations
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$89/mo
Allstate is the oldest mutual insurer offering car insurance in the United States. Allstate first opened its doors in 1907. Today, it provides various insurance products, including auto, homeowners, personal liability, and marine insurance. AM Best gave it an A+ (Superior) financial strength rating.
Pros
Offers pay-per-mile coverage
Established company with superior ratings from AM Best
Cons
Poor customer satisfaction
Average rates compared to other insurance companies
They increased my rates with an unsatisfactory explanation about 'raising everyone's rates due to the number of claims in Colorado.' Rates should be raised on people who turn in claims, not safe drivers with no claims.
They increased my rates with an unsatisfactory explanation about 'raising everyone's rates due to the number of claims in Colorado.' Rates should be raised on people who turn in claims, not safe drivers with no claims.
Patrick - May 15, 2024
Verified
Let Down
It's a great insurance company, but they are dropping me because of two accidents, both of which were not my fault. I would not recommend signing up with All State.
…
How to get the cheapest car insurance in Galveston
Getting the cheapest car insurance rates in Galveston takes a little work and knowledge about how car insurance companies set rates. Insurers look at many factors when determining the cost of their policies, such as driver history, age, credit score, and ZIP code.
While some of these factors are out of your control, you can do a few things to qualify for the cheapest car insurance in Galveston:
Bundle your home and auto policies. Many insurance companies offer various insurance products. Bundle your homeowners insurance (or renters insurance) and auto policy to secure a discounted rate. You may also be able to bundle insurance for your motorcycle or boat.
Compare quotes from multiple insurance companies. One of the easiest ways to get the lowest cost for car insurance is to compare rates and coverage options from at least three insurance companies. Don’t just look at the total cost; also consider each company’s coverages and perks.
Look for discounts through local programs. If you belong to the AARP or you’re currently enrolled in school, you may qualify for discounts on your auto policy. You can also check with your employer to see if it offers discounted rates with a specific company.
Improve your credit score. Auto insurance companies can use your credit score to help determine what you pay for your policy. Improving your credit score could help you qualify for cheaper car insurance.
Enroll in a safe driving program. Talk to your insurance agent about whether your insurer offers safe driving discounts. Teens can take a course online that could qualify them for a discount.
Cheapest liability-only car insurance in Galveston: State Farm
Drivers looking for the cheapest car insurance rates in the state may want to consider liability-only car insurance. Liability policies cover personal property and injury for other parties involved in an accident but not damages to your vehicle or injuries to people in your vehicle. Liability-only policies in Galveston cost $123 per month, on average.
While the cheapest rate for liability insurance in Galveston is $38 per month, certain groups pay more for liability coverage. For example, the cheapest liability-only coverage for Galveston teens is $63. The table below provides insight into liability-only quotes from top insurers in Galveston.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
38
GEICO
41
Hugo
52
Mile Auto
52
Allstate
53
USAA
68
Safeco
79
Nationwide
90
Mercury
92
Midvale Home & Auto
95
Progressive
95
Dairyland
102
Clearcover
104
Chubb
115
National General
119
Liberty Mutual
123
Elephant
125
Commonwealth Casualty
129
Direct Auto
131
21st Century
133
The General
145
GAINSCO
147
Bristol West
160
State Auto
172
AssuranceAmerica
179
Infinity
186
Foremost
212
Hallmark
224
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Galveston: State Farm
Texas drivers who have a loan or can’t afford to pay out of pocket for repairs or injuries should consider full-coverage car insurance. It’s more expensive than liability coverage, but it offers more protection. In addition to covering expenses for other parties in an accident, full coverage also protects you, your passengers, and your vehicle.
The average rate for full-coverage car insurance in Galveston is $239 per month. The following table shows average full-coverage quotes from insurers serving Galveston.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
63
GEICO
69
Allstate
89
Mile Auto
104
USAA
112
Clearcover
138
Hugo
142
Mercury
147
Travelers
157
Nationwide
160
Progressive
169
Midvale Home & Auto
170
Safeco
170
Chubb
191
Elephant
204
21st Century
220
AssuranceAmerica
232
Liberty Mutual
252
Direct Auto
258
Dairyland
259
National General
263
Infinity
284
The General
292
Bristol West
303
State Auto
316
GAINSCO
318
Commonwealth Casualty
331
Foremost
427
Hallmark
445
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Texas
Drivers in Texas are required to show proof that they can pay for injuries and damages as a result of an at-fault accident. Most drivers do this by purchasing a liability policy since the state requires drivers to carry car insurance.
Texas is an at-fault state, meaning the driver responsible for the car accident will pay for injuries and damages resulting from the incident. Law enforcement officers can determine whether more than one party is at fault in an accident. In most cases, one driver will be deemed more responsible. Texas drivers must carry the following limits to drive legally:
Coverage
Minimum Requirements
Bodily injury liability
$30,000 per person $60,000 per accident
Property damage liability
$25,000 per accident
You only need to carry liability coverage to drive legally, but it can be a good idea to carry additional coverage, especially if you drive frequently. Some common coverage options to consider include:
Collision insurance
Collision insurance pays for damages to your vehicle after an accident or a collision with another object.
Comprehensive insurance
Comprehensive insurance covers damages to your vehicle resulting from a non-collision incident, such as theft, fire, storm, or vandalism.
Medical payments coverage
Medical payments covers you and any passenger’s medical expenses from injuries in an accident. Additionally, you’re protected while riding in someone else’s vehicle and walking down the street.
Texas Automobile Insurance Plan Association (TAIPA)
In Texas, drivers deemed “high risk” may be able to secure insurance through the Texas Automobile Insurance Plan Association (TAIPA). To qualify, drivers must have a valid driver’s license and request an SR-22. In addition, drivers must be residents of Texas and show proof of coverage rejection from at least two companies within the previous 60 days.
TAIPA provides the minimum liability coverage required by Texas state law. Drivers may only obtain an annual policy on TAIPA and are required to pay a $5 annual fee.[1]
Cheapest car insurance for drivers with an incident
Insurance companies often consider drivers with incidents on their driving record as higher-risk drivers. Insurance companies typically look at incidents like at-fault accents, DUIs, speeding tickets, and other moving violations when setting premiums.
Drivers can expect to pay higher rates if they have incidents on their records. In Galveston, the average full-coverage rate for drivers with traffic violations is $329 per month.
Drivers with more serious traffic violations (like DUIs) may be required to secure an SR-22 policy to obtain coverage. The rate of increase will vary based on the insurance company and the type of incident on your record.
Find Cheap Car Insurance After a Speeding Ticket
Galveston drivers can find rates as low as $49
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets may increase your insurance rate based on the number of offenses and the severity of the incidents. Insurance companies consider speeding risky driving behavior and increase your rates to account for that risk.
Galveston drivers with a speeding ticket face an average monthly cost of $176 for liability-only coverage and $343 per month for full coverage. Below are the cheapest car insurance companies for drivers in Galveston with speeding tickets.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
38
49
GEICO
41
53
Hugo
52
71
Mile Auto
52
73
Allstate
53
69
USAA
68
88
Safeco
79
104
Nationwide
90
118
Mercury
92
128
Midvale Home & Auto
95
127
Progressive
95
124
Dairyland
102
133
Clearcover
104
136
Chubb
115
151
National General
119
170
Liberty Mutual
123
176
Elephant
125
179
Commonwealth Casualty
129
185
Direct Auto
131
172
21st Century
133
177
The General
145
190
GAINSCO
147
210
Bristol West
160
206
State Auto
172
243
AssuranceAmerica
179
238
Infinity
186
251
Foremost
212
303
Hallmark
224
291
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
At-fault accidents may have a significant effect on your driving record and the cost of your auto insurance policy. At-fault auto accidents indicate to insurance companies that you engage in risky driving behaviors, which presents a financial risk for them.
If you have at-fault accidents on your record, you may see an increase in the cost of your insurance premium. In Galveston, drivers with at-fault accidents average $188 per month for liability-only auto insurance and $365 per month for full coverage.
Insurance companies also consider the factors that led to the accident (speed, alcohol, etc.). Below are the cheapest car insurance companies for drivers with at-fault accidents in Galveston.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
38
52
GEICO
41
57
Hugo
52
70
Mile Auto
52
79
Allstate
53
73
USAA
68
94
Safeco
79
106
Nationwide
90
125
Mercury
92
135
Midvale Home & Auto
95
138
Progressive
95
133
Dairyland
102
141
Clearcover
104
152
Chubb
115
160
National General
119
163
Liberty Mutual
123
185
Elephant
125
170
Commonwealth Casualty
129
176
Direct Auto
131
185
21st Century
133
187
The General
145
204
GAINSCO
147
197
Bristol West
160
218
State Auto
172
261
AssuranceAmerica
179
248
Infinity
186
253
Foremost
212
319
Hallmark
224
300
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Drivers with DUIs will find it more difficult to obtain cheap coverage than other drivers. Texas doesn’t add points to your driving record if you’re caught driving while intoxicated — instead, it attaches a conviction-based surcharge to your license.
Drivers convicted of a DUI must pay this surcharge for three years. In addition, drivers with a DUI conviction may be required to obtain an SR-22 policy.[2] The average monthly cost of car insurance with a DUI in Galveston is $213 for liability only and $413 for full coverage. Below are the cheapest car insurance companies for drivers in Galveston with DUIs.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
38
65
GEICO
41
70
Hugo
52
89
Mile Auto
52
81
Allstate
53
90
USAA
68
116
Safeco
79
135
Nationwide
90
153
Mercury
92
142
Midvale Home & Auto
95
162
Progressive
95
162
Dairyland
102
174
Clearcover
104
177
Chubb
115
196
National General
119
203
Liberty Mutual
123
210
Elephant
125
213
Commonwealth Casualty
129
220
Direct Auto
131
223
21st Century
133
227
The General
145
247
GAINSCO
147
250
Bristol West
160
273
State Auto
172
293
AssuranceAmerica
179
305
Infinity
186
317
Foremost
212
361
Hallmark
224
382
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Drivers older than 55 may get a senior discount, as insurance companies view them as more courteous and cautious.[3] However, once drivers turn 70, their rate of incidents increases — drivers older than 70 have a higher crash death rate than middle-aged drivers.
Common factors that lead to accidents in older drivers include vision problems, medication side effects, and other medical conditions. The average cost of car insurance for senior drivers in Galveston is $172 per month for full coverage and $89 for liability only. Below are the cheapest car insurance companies for senior drivers in Galveston.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
27
45
GEICO
30
51
Hugo
34
94
Mile Auto
37
73
Allstate
40
67
USAA
50
83
Safeco
59
128
Nationwide
63
111
Progressive
63
113
Mercury
65
103
Midvale Home & Auto
67
120
Dairyland
76
194
Clearcover
77
103
Chubb
78
130
National General
89
197
Liberty Mutual
90
185
Elephant
92
150
21st Century
93
153
Direct Auto
94
185
Commonwealth Casualty
95
245
The General
111
224
GAINSCO
112
242
Bristol West
120
227
State Auto
123
227
AssuranceAmerica
126
164
Infinity
131
199
Foremost
154
311
Hallmark
159
315
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenagers’ lack of experience on the road is something that insurance companies weigh heavily when determining premiums. Because of this higher risk, teen drivers typically pay higher insurance rates than any other age group.
Teen drivers can save money on the cost of their insurance by staying on their parents’ policy, driving in a safer vehicle, and applying for good student discounts. On average, teen drivers in Galveston pay $211 per month for liability-only coverage and $410 for full coverage. Below are the cheapest car insurance companies for teenage drivers in Galveston.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
GEICO
63
106
State Farm
63
104
Hugo
89
242
Allstate
90
152
Mile Auto
98
197
USAA
110
181
Nationwide
150
266
Midvale Home & Auto
161
289
Safeco
162
348
Mercury
163
261
Dairyland
167
423
Progressive
168
299
Clearcover
198
262
Elephant
201
328
Chubb
207
343
21st Century
216
357
National General
217
479
Commonwealth Casualty
223
573
Liberty Mutual
224
458
The General
229
461
Direct Auto
233
460
GAINSCO
257
555
Bristol West
266
503
State Auto
297
546
AssuranceAmerica
324
421
Infinity
333
508
Foremost
366
738
Hallmark
389
772
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Galveston
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Galveston car insurance quotes by credit tier
Texas allows insurance companies to use your credit history as a factor when setting your premium, but they can’t use it as the sole reason to deny you coverage or not renew your policy. Insurance companies must also disclose when they use your credit history.[4]
Your credit indicates to an insurer if you’re likely to be a risky driver or likely to file claims. Drivers with good credit will likely qualify for cheaper insurance, while drivers with poor credit may have to pay more.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Galveston?
Drivers in Galveston pay an average of $181 per month for car insurance, which is about the same as the Texas state average of $185 and higher than the national average of $160. Galveston drivers also pay slightly more for auto insurance than drivers in most other cities in the state.
The cost of insurance can vary between cities. In addition to competition, population density and the number of cars in a city can affect insurance rates. Traffic incidents are higher in urban areas, so insurance companies will likely charge more for drivers in busy cities.
More cities in Texas
Many cities in Texas are about the same as or less expensive than Galveston for auto insurance, but Houston and Dallas have higher rates. The table below shows the average car insurance quotes in other major Texas cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Galveston car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Galveston.
How much is car insurance in Galveston?
Car insurance in Galveston costs $181 per month, on average. Drivers pay an average of $239 per month for full-coverage insurance and $123 per month for liability-only coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.
Which car insurance companies in Galveston are the cheapest?
State Farm has the cheapest car insurance in Galveston, with liability rates averaging $38 per month. You can also find low rates with GEICO and Hugo, which have liability-only rates of $41 and $52 per month, respectively.
What are the best car insurance companies in Galveston?
State Farm is the best car insurance company in Galveston, with an Insurify Quality (IQ) Score of 4.6 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Galveston choices include GEICO and Allstate.
How much is car insurance per month in Texas?
The overall average cost of car insurance in Texas is $185 per month. Drivers pay an average of $119 per month for liability coverage and $251 per month for full coverage.
Can you avoid paying for car insurance in Texas?
No. You can’t avoid paying for car insurance in Texas. All drivers must carry a minimum of $30,000 per person and $60,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Angela Brown is a freelance writer with 17 years of professional writing and editing experience. She specializes in finance, real estate, and insurance content. Angela uses her experience to create easy-to-understand content that helps consumers understand tough topics better. When she’s not working, she enjoys spending time with her family and planning vacations.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.