State Farm, Texas Farm Bureau, Geico and USAA offer the cheapest minimum-coverage insurance in Spring
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Spring’s minimum car-insurance coverage is about 31% higher than the national average, so if you’re a Spring driver, it’s good to explore different rates from different providers before settling on a car insurance company. We at the MarketWatch Guides Team have ranked the best car insurance companies on a variety of factors including cost. This article will focus on low-cost auto insurance in Spring, Texas according to various driving profiles.
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Best Cheap Car Insurance Companies in Spring, Texas How Much Is Car Insurance in Spring? Spring, Texas Car Insurance Quotes by Driver Profile Cheap Car Insurance in Spring, Texas: The Bottom Line
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Best Cheap Car Insurance Companies in Spring, Texas
State Farm, Texas Farm Bureau, Geico, USAA and Allstate are our preferred choices for car insurance in Spring. These providers offer rates that are lower than the city’s minimum and full-coverage averages, and they are renowned for their excellent customer service and thorough coverage policies.
Keep reading: Cheap Car Insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.
How Much Is Car Insurance in Spring?
The average cost of minimum-coverage insurance in Spring is about $68 per month or $819 per year. This is about 31% more than the national average of $52 per month or $625 per year. Similarly, full-coverage car insurance costs $199 per month or $2,392 per year on average, which is about 19% more expensive than the national average of $167 per month or $2,008 per year for full coverage.
State Farm offers the cheapest liability insurance with average rates of $35 per month or $415 per year. Texas Farm Bureau is the second-cheapest option in Spring with average rates of $36 per month or $432 per year.
Liability coverage is the minimum coverage required by the state of Texas. According to Texas law, all drivers must either meet or exceed the following minimum insurance requirements:
Full-coverage car insurance can be pricey in Spring. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Texas Farm Bureau is the cheapest full-coverage option with average rates of $105 per month or $1,259 per year.
Spring, Texas Car Insurance Quotes by Driver Profile
Auto insurers look at many parts of a Texas driver’s profile when setting their rates. This is why the cheapest company for one driver might not be the most affordable for another. This section will take a deeper dive into the cheapest car insurance rates based on different parts of Spring driver’s profile, such as their age, credit rating, ZIP code and driving history.
Car insurance coverage is most expensive for teenagers because they’re more likely to get into auto accidents or break traffic rules. Our data shows 16-year-olds pay about $300 per month or $3,603 per year for car insurance in Spring.
As drivers move into their 20s and later years, the cost of car insurance gets lower and lower, until they begin moving into middle age. Check out the average rates of minimum-coverage car insurance for Spring across different age ranges given below.
Cheapest Car Insurance in Spring: Teen Drivers
Car insurance for teens is expensive, but some providers tend to be more affordable than others. Our data shows Redpoint is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $61 per month or $727 per year. Texas Farm Bureau, State Farm and Geico also offer affordable premiums for Spring teens.
In Texas and most other states, your credit score can be used to calculate your rate. If you have a low credit score, expect to pay higher premiums. With a high credit score, you could see savings, as long as you’re not a teen driver or have too many speeding tickets or accidents on your driving record.
Cheapest Car Insurance in Spring: Poor Credit
Our rate data shows Redpoint is the cheapest option for car insurance for bad credit in Spring. The company offers minimum-coverage policies to drivers with poor credit for rates of $61 per month or $727 per year. This is 11% more than the overall state average for minimum coverage for good credit.
Expect an increase in your auto coverage rate if you get any speeding citations or DUI convictions. Your rates will also rise after a car accident that you’re found at fault for. On average, speeding can increase your rates by 47%, an at-fault accident by 107% and a DUI by 87%.
How high your premium will rise depends on your company. State Farm is the best choice for drivers with any traffic offenses on their record, according to our research. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers.
Cheapest Car Insurance in Spring: Speeding Ticket
According to our data, State Farm offers the cheapest rates to drivers who have a speeding ticket on their records — $35 per month or $415 per year. Texas Farm Bureau follows close behind with an average monthly rate of $36, while Allstate, USAA and Geico round out the top five options for cheap speeding ticket car insurance in Spring.
Cheapest Car Insurance in Spring: At-Fault Accident
Receiving a ticket for speeding may not result in as much of a rate increase as having a history of being at fault in auto accidents can. State Farm and Redpoint are the cheapest options here with average rates of about $43 per month and $61 per month, respectively. You can see some auto insurance providers charge significantly more for this amount for coverage after an accident.
Cheapest Car Insurance in Spring: DUI
Driving under the influence is a serious road violation that can skyrocket your Spring car insurance premiums by several hundred dollars annually. The good news is that Redpoint is very cheap compared to other insurance providers — it offers average rates of $61 per month or $727 per year for drivers with a DUI. State Farm, USAA and Texas Farm Bureau are also good options with rates under $83 per month on average.
The amounts of accidents, traffic, people and car thefts differ among various sections of the city, and this impacts the insurance premiums you need to pay. Below, you can see certain ZIP codes in Spring, Texas can be up to 12% cheaper or 4.5% more expensive than the city average.
Cheap Car Insurance in Spring, Texas: The Bottom Line
Although auto insurance rates in Spring are 25% higher than the state average and 31% higher than the national average, there are still budget-friendly options available. State Farm offers the most affordable minimum coverage in the area, costing about $35 per month. Additionally, Spring drivers can benefit from highly reasonable prices provided by Texas Farm Bureau, which charges $121 per month.
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Here are some frequently asked questions about the cheapest auto insurance in Spring:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.
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