Best Cheap Auto Insurance in Baytown, TX (2021)

The average Baytown, TX auto insurance rates are $363 per month. The minimum auto insurance in Baytown is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Baytown, Texas, compare quotes from multiple companies.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 17, 2021

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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.

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Things to Remember

  • The cheapest auto insurance company in Baytown is USAA
  • The average commute length in Baytown is 25.0 minutes
  • The minimum auto insurance required in Baytown, Texas is 30/60/25

Baytown, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Baytown can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Baytown, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Baytown to other Texas cities, including Fort Worth auto insurance rates, Plano auto insurance rates, and Arlington auto insurance rates to see how Baytown, Texas auto insurance rates stack up.

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.

Minimum Auto Insurance in Baytown, Texas

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.

Minimum Required Auto Insurance Coverage in Baytown, Texas

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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Cheap Baytown, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Baytown, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Baytown, Texas

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 $3,631 $3,652 $3,582 $3,582 $9,644 $11,604 $4,472 $4,642
American Family $3,347 $3,762 $3,203 $3,704 $9,633 $12,623 $4,963 $5,686
GEICO $2,846 $3,090 $2,779 $3,185 $6,330 $6,542 $3,078 $3,046
Nationwide $2,562 $2,603 $2,265 $2,395 $7,321 $9,386 $3,017 $3,261
Progressive $2,612 $2,479 $2,329 $2,367 $11,195 $12,530 $3,106 $3,160
State Farm $2,281 $2,281 $2,033 $2,033 $5,485 $6,992 $2,482 $2,556
USAA $1,787 $1,793 $1,714 $1,696 $5,053 $5,484 $2,377 $2,536

Cheap Baytown, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Baytown, Texas is a challenge. Take a look at the annual teen auto insurance rates in Baytown, Texas.

Annual Auto Insurance Rates for Teen Drivers in Baytown, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,644 $11,604
American Family $9,633 $12,623
GEICO $6,330 $6,542
Nationwide $7,321 $9,386
Progressive $11,195 $12,530
State Farm $5,485 $6,992
USAA $5,053 $5,484

Cheap Baytown, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Baytown, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Baytown, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,582 $3,582
American Family $3,203 $3,704
GEICO $2,779 $3,185
Nationwide $2,265 $2,395
Progressive $2,329 $2,367
State Farm $2,033 $2,033
USAA $1,714 $1,696

Cheap Baytown, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Baytown, Texas compared to the annual auto insurance rates with a clean record in Baytown, Texas.

Annual Baytown, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,322 $6,735 $7,027 $4,322
American Family $5,322 $6,839 $5,977 $5,322
GEICO $3,271 $4,356 $3,600 $4,220
Nationwide $3,559 $3,559 $5,268 $4,019
Progressive $4,329 $5,625 $5,062 $4,873
State Farm $2,901 $3,331 $3,939 $2,901
USAA $2,085 $3,095 $3,644 $2,396

Cheap Baytown, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Baytown, Texas is not easy. Compare the annual rates for DUI auto insurance in Baytown, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Baytown, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,027
American Family $5,977
GEICO $3,600
Nationwide $5,268
Progressive $5,062
State Farm $3,939
USAA $3,644

Cheap Baytown, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Baytown, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Baytown, Texas

Insurance Company Poor Fair Good
Allstate $7,113 $5,218 $4,472
American Family $7,971 $5,132 $4,492
GEICO $5,982 $3,370 $2,234
Nationwide $4,925 $3,951 $3,428
Progressive $5,588 $4,840 $4,488
State Farm $4,624 $2,881 $2,298
USAA $4,109 $2,385 $1,921

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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.

Annual Auto Insurance Rates by ZIP Code in Baytown, Texas

ZIP Code Average Annual Rates
77520 $6,712
77521 $6,398
77523 $6,319

Cheap Baytown, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Baytown, Texas auto insurance. Find the cheapest annual Baytown, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Baytown, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,461 $5,741
American Family $5,865 $5,865
GEICO $3,791 $3,933
Nationwide $4,101 $4,101
Progressive $4,972 $4,972
State Farm $3,268 $3,268
USAA $2,769 $2,841

Cheap Baytown, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Baytown, Texas? Check out the comparison of annual Baytown, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Baytown, Texas

Insurance Company Low Medium High
Allstate $5,457 $5,547 $5,799
American Family $5,411 $5,622 $6,562
GEICO $3,631 $3,806 $4,149
Nationwide $4,405 $3,927 $3,972
Progressive $4,733 $4,951 $5,233
State Farm $3,090 $3,257 $3,456
USAA $2,698 $2,792 $2,925

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Best By Category: Cheapest Auto Insurance in Baytown, Texas

Compare the cheapest auto insurance companies in Baytown, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Baytown, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Baytown, Texas Auto Insurance Companies

What auto insurance companies in Baytown, Texas are the cheapest? Compare the top Baytown, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Baytown, Texas

Insurance Company Average Annual Rates
Allstate $5,601
American Family $5,865
GEICO $3,862
Nationwide $4,101
Progressive $4,972
State Farm $3,268
USAA $2,805

What affects auto insurance rates in Baytown, Texas?

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. Many local factors may affect your Baytown 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.

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Compare Baytown, Texas Auto Insurance Quotes

Before you buy Baytown, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Baytown, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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