Compare Caldwell, TX Car Insurance Rates [2024]
Car insurance in Caldwell, TX averages $316 a month. Caldwell, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Caldwell car insurance rates, compare quotes from the top car insurance companies in Caldwell, TX.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Nov 27, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Nov 27, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Caldwell, TX after a DUI are $4,321/year
- Average car insurance rates in Caldwell, TX are $3,795/year
- The cheapest car insurance company in Caldwell for teen drivers is USAA
If you need to buy Caldwell, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Caldwell, TX is right here.
You’ll find Caldwell car insurance rates, the cheapest Caldwell, TX car insurance companies, and information on Texas car insurance laws. You can also compare Caldwell, Texas car insurance rates to Corpus Christi car insurance rates, Houston car insurance rates, and Laredo car insurance rates.
Ready to find affordable Caldwell, TX car insurance today? Enter your ZIP code for fast, free Caldwell car insurance quotes.
Cheapest Caldwell, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Caldwell, TX car insurance rates? Every Caldwell, Texas car insurance company weighs these factors differently, so check out the comparison 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 | $3,176 | $3,203 | $3,133 | $3,133 | $8,527 | $10,298 | $3,941 | $4,109 |
American Family | $2,608 | $2,908 | $2,445 | $2,805 | $6,944 | $9,042 | $3,752 | $4,265 |
Geico | $2,352 | $2,548 | $2,285 | $2,600 | $5,165 | $5,391 | $2,546 | $2,541 |
Nationwide | $2,653 | $2,700 | $2,340 | $2,481 | $7,582 | $9,752 | $3,123 | $3,383 |
Progressive | $2,467 | $2,325 | $2,207 | $2,247 | $10,649 | $11,827 | $2,911 | $2,928 |
State Farm | $1,953 | $1,953 | $1,735 | $1,735 | $4,634 | $5,900 | $2,120 | $2,189 |
USAA | $1,519 | $1,530 | $1,451 | $1,443 | $4,235 | $4,615 | $2,023 | $2,172 |
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Minimum Car Insurance in Caldwell, TX
Every driver must carry the minimum car insurance in Caldwell, TX. Take a look at the Texas car insurance requirements.
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 |
Cheapest Caldwell, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Caldwell, TX. Compare credit history car insurance rates in Caldwell from top companies for good, fair, and poor credit.
Insurance Company | Poor | Fair | Good |
---|---|---|---|
Allstate | $6,265 | $4,608 | $3,948 |
American Family | $5,947 | $3,792 | $3,299 |
Geico | $4,902 | $2,778 | $1,855 |
Nationwide | $5,109 | $4,093 | $3,552 |
Progressive | $5,259 | $4,575 | $4,252 |
State Farm | $3,935 | $2,448 | $1,950 |
USAA | $3,487 | $2,013 | $1,620 |
Cheapest Caldwell, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Caldwell, TX to rates for a clean record with top companies.
Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
---|---|---|---|---|
Allstate | $3,820 | $5,920 | $6,201 | $3,820 |
American Family | $3,955 | $5,050 | $4,424 | $3,955 |
Geico | $2,700 | $3,576 | $2,969 | $3,470 |
Nationwide | $3,682 | $3,682 | $5,478 | $4,165 |
Progressive | $4,092 | $5,319 | $4,768 | $4,603 |
State Farm | $2,473 | $2,830 | $3,334 | $2,473 |
USAA | $1,772 | $2,610 | $3,078 | $2,033 |
Cheapest Caldwell, TX Car Insurance for Teen Drivers
Teen car insurance in Caldwell, TX can be expensive. Take a look at rates from the top car insurance companies in Caldwell for teenagers.
Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
---|---|---|
Allstate | $8,527 | $10,298 |
American Family | $6,944 | $9,042 |
Geico | $5,165 | $5,391 |
Nationwide | $7,582 | $9,752 |
Progressive | $10,649 | $11,827 |
State Farm | $4,634 | $5,900 |
USAA | $4,235 | $4,615 |
Cheapest Caldwell, TX Car Insurance for Seniors
Take a look at Caldwell, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
---|---|---|
Allstate | $3,133 | $3,133 |
American Family | $2,445 | $2,805 |
Geico | $2,285 | $2,600 |
Nationwide | $2,340 | $2,481 |
Progressive | $2,207 | $2,247 |
State Farm | $1,735 | $1,735 |
USAA | $1,451 | $1,443 |
Cheapest Caldwell, TX Car Insurance Rates After a DUI
A DUI in Caldwell, TX increases car insurance rates. Compare Caldwell, Texas DUI car insurance by company to find the cheapest option.
Insurance Company | Annual Car Insurance Rates With a DUI |
---|---|
Allstate | $6,201 |
American Family | $4,424 |
Geico | $2,969 |
Nationwide | $5,478 |
Progressive | $4,768 |
State Farm | $3,334 |
USAA | $3,078 |
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Cheapest Caldwell, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Caldwell, TX by commute? Take a look at a comparison of the top companies by commute length.
Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
---|---|---|
Allstate | $4,822 | $5,058 |
American Family | $4,346 | $4,346 |
Geico | $3,120 | $3,237 |
Nationwide | $4,252 | $4,252 |
Progressive | $4,695 | $4,695 |
State Farm | $2,778 | $2,778 |
USAA | $2,343 | $2,403 |
The Best Cheap Car Insurance Companies in Caldwell, TX
Take a look at a side-by-side comparison of the top car insurance companies in Caldwell, TX to find the best option for your needs.
Insurance Company | Average Annual Rates |
---|---|
Allstate | $4,940 |
American Family | $4,346 |
Geico | $3,178 |
Nationwide | $4,252 |
Progressive | $4,695 |
State Farm | $2,778 |
USAA | $2,373 |
Category Winners: Cheapest Car Insurance in Caldwell, Texas
Find the cheapest car insurance companies in Caldwell, TX for each category right here.
Category | Insurance Company |
---|---|
Teenagers | USAA |
Seniors | USAA |
Clean Record | USAA |
With 1 Accident | USAA |
With 1 DUI | Geico |
With 1 Speeding Violation | USAA |
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Cheapest Caldwell, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Caldwell car insurance rates. Find the cheapest Caldwell, TX car insurance rates by coverage level.
Insurance Company | Low | Medium | High |
---|---|---|---|
Allstate | $4,847 | $4,905 | $5,069 |
American Family | $4,039 | $4,179 | $4,820 |
Geico | $3,006 | $3,134 | $3,396 |
Nationwide | $4,583 | $4,068 | $4,104 |
Progressive | $4,464 | $4,670 | $4,951 |
State Farm | $2,641 | $2,769 | $2,923 |
USAA | $2,294 | $2,364 | $2,462 |
What affects car insurance rates in Caldwell, Texas?
What factors can have an impact on Caldwell, TX car insurance? There are several reasons why Caldwell car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Caldwell, Texas.
Car Theft in Caldwell
High levels of vehicle theft can make car insurance more expensive. Caldwell, TX car theft statistics from the FBI indicate 0 vehicle thefts a year.
Commute Time in Caldwell
The more time you spend in your car the higher the risk of an accident. The average commute length in Caldwell, TX is 20.5 minutes according to City-Data.
Compare Car Insurance Quotes in Caldwell, TX
Ready to find affordable Caldwell, Texas car insurance today? Enter your ZIP code for fast, free Caldwell, TX car insurance quotes.
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Frequently Asked Questions
How can I compare car insurance rates in Caldwell, TX?
To compare car insurance rates in Caldwell, TX, you can follow these steps:
- Gather information: Collect details about your vehicle, including its make, model, year, and any safety features it may have. You will also need your driver’s license number and information about your driving history.
- Research insurance companies: Look for reputable insurance providers that offer coverage in Caldwell, TX. You can check their websites, read customer reviews, or ask for recommendations from friends or family members.
- Obtain quotes: Contact different insurance companies and request quotes for car insurance. Provide the necessary information about your vehicle and driving history to get accurate quotes.
- Compare coverage options: Review the coverage options offered by each insurance company. Ensure that the policies meet your specific needs and provide adequate protection.
- Compare premiums: Compare the premiums quoted by different insurers. Remember that the lowest premium may not always be the best option. Consider the coverage provided, deductibles, and any additional benefits or discounts available.
- Evaluate customer service: Research the reputation of the insurance companies regarding customer service. Read reviews or check online forums to gauge customer satisfaction levels.
- Make an informed decision: Based on your research, compare the rates, coverage, and customer service of different insurance companies. Choose the policy that offers the best value for your needs.
What factors affect car insurance rates in Caldwell, TX?
Several factors can influence car insurance rates in Caldwell, TX. Here are some of the primary factors:
- Age and driving experience: Young and inexperienced drivers often face higher insurance rates compared to older, more experienced drivers.
- Vehicle type: The make, model, and year of your vehicle can impact your insurance rates. Generally, expensive or high-performance cars tend to have higher premiums.
- Driving record: Drivers with a clean driving record, free from accidents and traffic violations, usually enjoy lower insurance rates. On the other hand, a history of accidents or violations can increase premiums.
- Location: Your location can affect your insurance rates. If you live in an area with high rates of accidents or vehicle theft, your premiums may be higher.
- Coverage and deductibles: The level of coverage you choose and the deductibles you select can affect your insurance rates. Higher coverage limits and lower deductibles typically result in higher premiums.
- Credit history: In some states, including Texas, insurance companies may consider your credit history when determining your rates. A lower credit score can lead to higher premiums.
- Annual mileage: The distance you drive each year can impact your insurance rates. Generally, the more you drive, the higher the risk of accidents, which can increase premiums.
Are there any discounts available to lower car insurance rates in Caldwell, TX?
Yes, many insurance companies offer various discounts that can help lower car insurance rates in Caldwell, TX. Here are some common discounts you may be eligible for:
- Safe driver discount: If you have a clean driving record without accidents or traffic violations, you may qualify for a safe driver discount.
- Multi-policy discount: If you purchase multiple insurance policies, such as car insurance and homeowners insurance, from the same provider, you could receive a discount on both policies.
- Good student discount: Full-time students with good grades may be eligible for a discount on their car insurance premiums.
- Low-mileage discount: If you drive your vehicle less than the average annual mileage, you may qualify for a low-mileage discount.
- Anti-theft device discount: Installing anti-theft devices or alarm systems in your vehicle can lead to a discount on your insurance premiums.
- Defensive driving course discount: Completing an approved defensive driving course can make you eligible for a discount.
- Loyalty discount: Some insurance companies offer discounts to customers who have been with them for a certain period.
Can I change my car insurance provider if I find better rates in Caldwell, TX?
Yes, you have the freedom to change your car insurance provider if you find better rates in Caldwell, TX. Here are the general steps to follow:
- Research new insurance providers: Look for insurance companies that offer competitive rates and reliable coverage in Caldwell, TX.
- Obtain quotes: Contact the new insurance providers and request quotes for the coverage you need. Provide accurate information about your vehicle, driving history, and any additional details requested.
- Compare rates and coverage: Review the quotes received from different insurance companies. Consider the coverage options, deductibles, and any additional benefits or discounts offered.
- Check for cancellation fees: If you decide to switch insurers before your current policy expires, check if there are any cancellation fees or penalties. Consider these costs when comparing the potential savings from switching.
- Notify your current insurer: Once you have chosen a new insurance provider, inform your current insurer about your decision to cancel your policy. Follow their instructions regarding the cancellation process.
- Purchase a new policy: After canceling your current policy, purchase the new car insurance policy from the chosen provider. Ensure there is no gap in coverage during the transition.
Are there any specific car insurance requirements in Caldwell, TX?
Yes, Caldwell, TX, like other areas in Texas, has specific car insurance requirements. These requirements include:
- Liability insurance: All drivers in Texas, including Caldwell, must have liability insurance coverage. The minimum liability coverage limits mandated by law in Texas are 30/60/25. 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 per accident.
- Proof of insurance: You are required to carry proof of insurance in your vehicle at all times. If you are stopped by law enforcement or involved in an accident, you may be asked to provide proof of insurance.
- Financial responsibility: Texas also allows drivers to meet the insurance requirements through alternative methods, such as posting a cash deposit or a surety bond with the Department of Public Safety.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed 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.