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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Written by
Rachel Bodine
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Reviewed by
Daniel Walker
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UPDATED: May 17, 2021
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.