Best Baytown, Texas Auto Insurance in 2024 (Check Out the Top 10 Companies)
State Farm, Geico, and Allstate have the best Baytown, Texas auto insurance. Minimum rates at the best Baytown companies can start as low as $43/mo. The minimum auto insurance in Baytown is at least 30/60/25 in liability coverage to comply with Texas auto insurance laws.
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Brandon Frady
Licensed Insurance Producer
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 Producer
UPDATED: Aug 22, 2024
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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: Aug 22, 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 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.
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Full Coverage in Baytown Texas
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A.M. Best Rating
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11,413 reviewsState Farm, Geico, and Allstate have the best Baytown, Texas auto insurance for drivers.
Finding the best auto insurance in Baytown can seem like a difficult task, but it’s simple if you shop at the top Baytown insurance companies below.
Our Top 10 Company Picks: Best Baytown, Texas Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Broad Coverage | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 10% | A+ | Coverage Options | Allstate |
 | #4 | 15% | A+ | Customizable Plan | Progressive |
 | #5 | 20% | A+ | Multi-Policy Discount | Nationwide |
 | #6 | 18% | A | Comprehensive Coverage | Farmers |
 | #7 | 10% | A | Variety of Discounts | Liberty Mutual |
 | #8 | 15% | A+ | Customer Satisfaction | Amica |
 | #9 | 13% | A++ | Safe Driving | Travelers |
 | #10 | 10% | A | 24/7 Claims | Mercury |
In addition to covering the best Baytown insurance companies, we’ll also cover factors that affect auto insurance rates in Baytown, Texas, including driving record, credit, commute time, and more.
Before you buy Baytown, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Baytown, Texas auto insurance quotes.
- The best auto insurance company in Baytown is State Farm
- The average commute length in Baytown is 25 minutes
- Baytown drivers need to carry 30/60/25 of liability insurance
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#1 – State Farm: Top Pick Overall
Pros
- Broad Coverage: State Farm insures drivers all over the U.S., not just Baytown, so customers can keep the company as a provider if they move.
- Local Support: There are local Baytown agents available for customer support. Visit our State Farm review for more details on customer service.
- Discount Options: Baytown residents can apply several discounts to their auto insurance policies.
Cons
- Financial Rating: Among the top Baytown companies, State Farm has the lowest A.M. Best rating.
- Limited Online Tools: Most policy changes and claim issues are handled by Baytown local agents.
#2 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Geico has some of the most affordable full coverage rates in Baytown, Texas. Visit our Geico review for more information on average rates.
- Online Convenience: Geico’s app provides online convenience to Baytown customers.
- Customer Satisfaction: Geioc has mostly positive feedback, so most Baytown customers should be satisfied with customer services.
Cons
- Fewer Coverages: Geico has fewer specialty add-on auto insurance coverages for Baytown drivers.
- No Local Agents: Geico doesn’t have agents in Baytown, so customers will have virtual customer assistance.
#3 – Allstate: Best for Coverage Options
Pros
- Coverage Options: Baytown residents have several optional coverages to choose from at Allstate, which we covered in our Allstate review.
- Discount Options: Baytown customers can save with small discounts like a paperless discount or larger discounts for good driving and more.
- Online Convenience: Allstate has a free app that Baytown drivers can use to manage claims and policies.
Cons
- Higher Rates: Allstate Baytown auto insurance rates are more expensive than those of other companies on our list.
- Customer Complaints: Allstate has numerous complaints from customers, which could mean that Baytown customers won’t be completely happy with Allstate’s customer service.
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#4 – Progressive: Best for Customizable Plan
Pros
- Customizable Plan: Baytown auto insurance plans can be customized with special add-ons, adjustable deductibles, and more. Visit our Progressive review for more details.
- Free Budget Tool: Customers in Baytown can use a free tool to help them choose coverages on a budget.
- Snapshot Good Driver Program: Baytown, Texas, customers can join Snapshot at any time during their enrollment.
Cons
- Higher Rates: Progressive’s full coverage rates in Baytown, Texas, are pricier than other companies on our list.
- Customer Service: Baytown residents may have issues with services, as not all of the company’s reviews highly rate the company.
#5 – Nationwide: Best for Multi-Policy Discount
Pros
- Multi-Policy Discount: Different policy types can be purchased by Baytown residents, such as Baytown home insurance or business insurance.
- Coverage Options: Learn what add-on coverage options Baytown customers can buy in our Nationwide review.
- Vanishing Deductible: Nationwide lowers deductibles for safe drivers in Baytown, Texas.
Cons
- Customer Service Ratings: Nationwide has average ratings, so Baytown customers may have issues with customer representatives.
- No Local Agents: Nationwide doesn’t have local support, so Baytown customers will contact customer service online.
#6 – Farmers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Farmers has great comprehensive coverage that protects Baytown drivers’ vehicles from animal damage, weather damage, and more.
- Local Agents: Baytown, Texas residents should have access to a local Farmers agent in their area.
- Add-On Coverages: Baytown, Texas, customers can purchase extras like new car replacement or roadside assistance.
Cons
- Higher Rates: Farmers’ average rates in Baytown, Texas, are expensive. Visit our review of Farmers for more rate details.
- Customer Satisfaction: Farmers’ ratings aren’t outstanding, so Baytown customers may be left slightly frustrated with services.
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#7 – Liberty Mutual: Best for Variety of Discounts
Pros
- Variety of Discounts: Liberty Mutual’s discount variety includes good driver discounts and more. Visit our Liberty Mutual review for a full list.
- Accident Forgiveness: Baytown customers can sign up for accident forgiveness at Liberty Mutual.
- Coverage Options: Liberty Mutual sells various optional coverages to Baytown, Texas customers.
Cons
- Customer Satisfaction: Negative feedback means some Baytown customers could have issues with customer service.
- Local Agent Availability: Liberty Mutual doesn’t have many agents in Baytown, Texas.
#8 – Amica: Best for Customer Satisfaction
Pros
- Customer Satisfaction: Baytown customers should be happy with services, as Amica has great ratings for customer satisfaction.
- Coverage Options: Amica has most popular add-ons for Baytown customers. Learn what Amica sells in our Amica review.
- Loyalty Discounts: Amica offers a loyalty discount to families in Baytown, Texas.
Cons
- Local Agent Availability: If Baytown residents don’t have a local agent in their area, they may have to contact customer service online.
- No Modified Car Insurance: Amica sells most coverages, but it doesn’t have modified car insurance for Baytown customers.
#9 – Travelers: Best for Safe Driving
Pros
- Safe Driving: Baytown customers who join IntelliDrive will be rewarded for safe driving habits.
- Financial Stability: Financial stability means Travelers will be able to keep Baytown auto insurance rates consistent.
- Coverage Choices: Baytown auto insurance policies can be customized with coverage choices. Visit our Travelers review to learn more.
Cons
- IntelliDrive Rate Increases: Risky driving habits could result in more expensive Baytown rates.
- Local Agent Availability: Customers in Baytown may not have local agents near them, so customer service will be virtual.
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#10 – Mercury: Best for 24/7 Claims
Pros
- 24/7 Claims: Baytown, Texas, customers can file a claim 24/7 at Mercury.
- Coverage Options: Mercury sells most popular add-ons to Baytown customers. Discover more in our Mercury review.
- Affordable Rates: Mercury has affordable rates for most Baytown, Texas auto insurance customers.
Cons
- Fewer Discounts: Mercury has fewer options for Baytown customers to save on their auto insurance policies.
- Online Management: Mercury’s online tools for Baytown drivers are lacking compared to other popular companies.
Best Baytown, Texas Companies Rates and Discounts
Baytown, 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 Baytown, Texas.
- Bodily Injury Liability: $30,000 per person and $60,000 per accident
- Property Damage Liability: $25,000 per accident
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $72 | $151 |
| Amica | $94 | $103 |
| Farmers | $90 | $178 |
| Geico | $71 | $129 |
| Liberty Mutual | $75 | $154 |
| Mercury | $70 | $132 |
| Nationwide | $83 | $146 |
| Progressive | $47 | $156 |
| State Farm | $69 | $139 |
| Travelers | $43 | $140 |
Cheap Baytown, Texas Auto Insurance by Age and Gender
Auto insurance rates in Baytown, Texas are affected by age and gender (Read More: Male vs. Female Auto Insurance Rates). See how demographics impact the cost of insurance.
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $804 | $967 | $373 | $387 | $303 | $304 | $299 | $299 |
| American Family | $803 | $1,052 | $414 | $474 | $279 | $314 | $267 | $309 |
| Geico | $528 | $545 | $257 | $254 | $237 | $258 | $232 | $265 |
| Nationwide | $610 | $782 | $251 | $272 | $214 | $217 | $189 | $200 |
| Progressive | $933 | $1,044 | $259 | $263 | $218 | $207 | $194 | $197 |
| State Farm | $457 | $583 | $207 | $213 | $190 | $190 | $169 | $169 |
| USAA | $421 | $457 | $198 | $211 | $149 | $149 | $143 | $141 |
Drivers in their teens will pay much more for auto insurance than drivers in their 60s. We cover the differences between ages in more detail below.
Cheap Baytown, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Baytown, Texas is a challenge. Take a look at the teen auto insurance rates in Baytown, Texas.
| Insurance Company | Age: 17 Female | Age: 17 Male |
|---|---|---|
| Allstate | $804 | $967 |
| American Family | $803 | $1,052 |
| Geico | $528 | $545 |
| Nationwide | $610 | $782 |
| Progressive | $933 | $1,044 |
| State Farm | $457 | $583 |
| USAA | $421 | $457 |
Baytown teens should join a parent's policy rather than purchasing their own auto insurance, as it will reduce rates by hundreds of dollars.Brandon Frady Licensed Insurance Producer
Cheap Baytown, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Baytown, Texas? Take a look at the average rates for older drivers in Baytown, Texas.
Baytown, Texas Senior Auto Insurance Monthly Rates
| Insurance Company | Age: 60 Female | Age: 60 Male |
|---|---|---|
| Allstate | $299 | $299 |
| American Family | $267 | $309 |
| Geico | $232 | $265 |
| Nationwide | $189 | $200 |
| Progressive | $194 | $197 |
| State Farm | $169 | $169 |
| USAA | $143 | $141 |
Senior drivers have some of the cheapest Baytown insurance rates because they have driving experience and usually drive fewer miles after retirement.
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Cheap Baytown, Texas Auto Insurance By Driving Record
See the auto insurance rates for a bad record in Baytown, Texas compared to the auto insurance rates with a clean record in Baytown, Texas.
Baytown, Texas Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| Allstate | $360 | $561 | $586 | $360 |
| American Family | $444 | $570 | $498 | $444 |
| Geico | $273 | $363 | $300 | $352 |
| Nationwide | $297 | $297 | $439 | $335 |
| Progressive | $361 | $469 | $422 | $406 |
| State Farm | $242 | $278 | $328 | $242 |
| USAA | $174 | $258 | $304 | $200 |
Driving record has a big impact on your auto insurance rates. Even one ticket or accident on a driver’s record will raise rates substantially.
Cheap Baytown, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Baytown, Texas is not easy. Compare the rates for DUI auto insurance in Baytown, Texas to find the best deal.
Baytown, Texas Full Coverage Auto Insurance Rates After a DUI
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $586 |
| American Family | $498 |
| Geico | $300 |
| Nationwide | $439 |
| Progressive | $422 |
| State Farm | $328 |
| USAA | $304 |
If drivers have a DUI in Baytown, Texas, they can expect to pay higher auto insurance rates for a few years after their DUI charge.
Cheap Baytown, Texas Auto Insurance By Credit History, ZIP, and Commute
Credit history can have a major effect on the cost of auto insurance. See how Baytown, Texas auto insurance rates by credit history compare.
| Insurance Company | Bad Credit | Fair Credit | Good Credit |
|---|---|---|---|
| Allstate | $593 | $435 | $373 |
| American Family | $664 | $428 | $374 |
| Geico | $499 | $281 | $186 |
| Nationwide | $410 | $329 | $286 |
| Progressive | $466 | $403 | $374 |
| State Farm | $385 | 240 | $192 |
| USAA | $342 | $199 | $160 |
Cheap Baytown, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Baytown, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Baytown, Texas, to see how car insurance rates are affected by location.
| ZIP Code | Monthly Rates |
|---|---|
| 77520 | $559 |
| 77521 | $533 |
| 77523 | $527 |
Cheap Baytown, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Baytown, Texas auto insurance. Find the cheapest Baytown, Texas auto insurance by commute length.
Baytown, Texas Auto Insurance Monthly Rates by Annual Mileage & Provider
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| Allstate | $455 | $910 |
| American Family | $489 | $978 |
| Geico | $316 | $632 |
| Nationwide | $342 | $684 |
| Progressive | $414 | $829 |
| State Farm | $272 | $545 |
| USAA | $231 | $462 |
The reason longer commutes result in higher rates is because the longer drivers are on the road, the more likely it is that they will be in an accident.
Best By Category: Cheapest Auto Insurance in Baytown, Texas
Compare auto insurance companies in Baytown, Texas in each category to find the company with the best rates for your personal needs.
Baytown, Texas Best Auto Insurance Providers by Category
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Now that you know which companies are the best for different needs, what auto insurance companies in Baytown, Texas, are the cheapest? Compare the top Baytown, Texas auto insurance companies to find the best rates.
Baytown, Texas Auto Insurance Monthly Rates by Provider
| Insurance Company | Rates |
|---|---|
| Allstate | $467 |
| American Family | $489 |
| Geico | $322 |
| Nationwide | $342 |
| Progressive | $414 |
| State Farm | $272 |
| USAA | $234 |
Make sure to also consider a company’s ratings and coverages in addition to rates (Read More: How to Research Auto Insurance Companies Before Buying).
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Factors That Affect Auto Insurance Rates in Baytown, Texas
Many local factors may affect your Baytown auto insurance rates, such as theft or traffic in your area (read More: Top 7 Factors That Affect Auto Insurance Rates).
- Baytown Auto Theft: More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Baytown, Texas auto theft statistics, there have been 499 auto thefts in the city.
- Baytown Commute Time: Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Baytown, Texas commute length is 25.0 minutes according to City-Data.
- Baytown Traffic: How does Baytown, Texas rank for traffic? According to Inrix Baytown, Texas is the 908th most congested worldwide.
There are a lot of reasons why auto insurance rates in Baytown, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Baytown, Texas.
Finding the Best Baytown, Texas Auto Insurance
Drivers will find the best Baytown, Texas auto insurance at State Farm, Geico, and Allstate. Before you buy Baytown, Texas auto insurance, make sure you have compared rates from a few different companies to find which price and coverage is best for you (Read More: How to Compare Auto Insurance Quotes).
Ready to shop for Baytown, TX auto insurance? Enter your ZIP code below to get free car insurance quotes in Baytown, TX.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection for vehicles against physical damage and liability resulting from traffic collisions, theft, or other incidents. It typically includes coverage for property damage, bodily injury, medical expenses, and legal expenses.
Is auto insurance mandatory in Baytown, TX?
Yes, auto insurance is mandatory in Baytown, TX, as it is in the rest of Texas. All drivers are required to carry at least the minimum liability insurance coverage as mandated by the state.
What is the minimum auto insurance coverage required in Baytown, TX?
In Baytown, TX, drivers must carry at least the minimum liability insurance coverage, which includes:
- $30,000 for bodily injury or death per person.
- $60,000 for bodily injury or death per accident if multiple people are involved.
- $25,000 for property damage per accident.
In most cases, Texas drivers should carry more than the Texas minimum auto insurance requirements.
Can I purchase additional coverage options for my auto insurance in Baytown, TX?
Yes, you can purchase additional coverage options to enhance your auto insurance policy in Baytown, TX. Common additional coverage options include comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, personal injury protection, and roadside assistance.
How are auto insurance premiums determined in Baytown, TX?
Auto insurance premiums in Baytown, TX are determined based on several factors, including but not limited to:
- Your driving record, age, and gender
- The type of vehicle you drive
- Your credit history
- The coverage options and deductibles you choose
- The number of miles you drive annually
If factors outside your control are making your Baytown insurance rates expensive, make sure to shop for quotes with our free quote tool.
Are there any discounts available for auto insurance in Baytown, TX?
Yes, insurance companies often offer various auto insurance discounts to policyholders in Baytown, TX. Common discounts for Baytown car insurance may include safe driver discounts, multi-policy discounts (for bundling auto and home insurance, for example), good student discounts, and discounts for vehicles equipped with safety features.
How can I find affordable auto insurance in Baytown, TX?
To find affordable auto insurance in Baytown, TX, you can follow these tips:
- Maintain a good driving record.
- Opt for a higher deductible if financially feasible.
- Consider bundling your auto insurance with other policies.
- Inquire about available discounts and take advantage of those you qualify for.
Baytown drivers should also shop around and compare auto insurance quotes in Baytown, TX, from multiple insurance companies.
What should I do in case of an auto accident in Baytown, TX?
In case of an auto accident in Baytown, TX, follow these steps:
- Ensure your safety and the safety of others involved. Move to a safe location if possible.
- Call emergency services if necessary and report the accident to the police.
- Exchange information with the other driver(s) involved, including names, contact details, and insurance information.
- Document the accident scene by taking pictures and noting important details.
- Notify your insurance company about the accident and provide them with the necessary information.
Remember to consult with your insurance agent or provider for specific instructions based on your policy.
Can I insure my vehicle if I have a bad driving record in Baytown, TX?
Yes, even if you have a bad driving record, you can still insure your vehicle in Baytown, TX. However, insurance companies may consider you a higher risk and require you to purchase high-risk auto insurance, and your premiums could be higher as a result. It’s important to compare quotes from different car insurance companies in Baytown, TX, to find the best car insurance in Baytown for your situation.
How often should I review my auto insurance policy in Baytown, TX?
It’s a good practice to review your Baytown, TX auto insurance policy annually or whenever significant life changes occur, such as purchasing a new vehicle, moving to a new location, or experiencing changes in your driving habits. Regularly reviewing your policy helps ensure that your coverage aligns with your current needs and provides an opportunity to find cheap auto insurance in Baytown, Texas.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brandon Frady
Licensed Insurance Producer
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 Producer
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.
