Best Boyd, Texas Auto Insurance in 2024
The average Boyd, TX auto insurance rates are $301 per month. The minimum auto insurance in Boyd is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Boyd, Texas, compare quotes from multiple companies.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
UPDATED: Sep 2, 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.
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: Sep 2, 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.
On This Page
- The cheapest auto insurance company in Boyd is USAA
- Average auto insurance rates in Boyd, TX for senior drivers are $2,204 per year
- The average commute length in Boyd is 28.0 minutes
Boyd, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Boyd 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 Boyd, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Boyd to other Texas cities, including Dallas auto insurance rates, Corpus Christi auto insurance rates, and Austin auto insurance rates to see how Boyd, Texas auto insurance rates stack up.
Before you buy Boyd, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Boyd, Texas auto insurance quotes.
Minimum Auto Insurance in Boyd, Texas
Boyd, 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 Boyd, 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 Boyd, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Boyd, 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 | $3,168 | $3,195 | $3,125 | $3,125 | $8,514 | $10,281 | $3,931 | $4,098 |
| American Family | $2,278 | $2,518 | $2,103 | $2,391 | $5,734 | $7,521 | $3,205 | $3,647 |
| Geico | $2,662 | $2,853 | $2,526 | $2,830 | $5,789 | $6,044 | $2,884 | $2,906 |
| Nationwide | $2,433 | $2,475 | $2,150 | $2,277 | $6,875 | $8,832 | $2,856 | $3,091 |
| Progressive | $2,161 | $2,049 | $1,926 | $1,963 | $8,930 | $9,937 | $2,546 | $2,573 |
| State Farm | $1,918 | $1,918 | $1,707 | $1,707 | $4,596 | $5,859 | $2,086 | $2,152 |
| USAA | $1,593 | $1,603 | $1,519 | $1,508 | $4,474 | $4,878 | $2,123 | $2,279 |
Cheap Boyd, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Boyd, Texas is a challenge. Take a look at the annual teen auto insurance rates in Boyd, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,514 | $10,281 |
| American Family | $5,734 | $7,521 |
| Geico | $5,789 | $6,044 |
| Nationwide | $6,875 | $8,832 |
| Progressive | $8,930 | $9,937 |
| State Farm | $4,596 | $5,859 |
| USAA | $4,474 | $4,878 |
Cheap Boyd, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Boyd, 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 | $3,125 | $3,125 |
| American Family | $2,103 | $2,391 |
| Geico | $2,526 | $2,830 |
| Nationwide | $2,150 | $2,277 |
| Progressive | $1,926 | $1,963 |
| State Farm | $1,707 | $1,707 |
| USAA | $1,519 | $1,508 |
Cheap Boyd, 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 Boyd, Texas compared to the annual auto insurance rates with a clean record in Boyd, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,810 | $5,909 | $6,190 | $3,810 |
| American Family | $3,362 | $4,243 | $3,732 | $3,362 |
| Geico | $3,020 | $3,975 | $3,354 | $3,898 |
| Nationwide | $3,359 | $3,359 | $4,980 | $3,795 |
| Progressive | $3,503 | $4,517 | $4,084 | $3,938 |
| State Farm | $2,438 | $2,796 | $3,301 | $2,438 |
| USAA | $1,862 | $2,747 | $3,241 | $2,138 |
Cheap Boyd, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Boyd, Texas is not easy. Compare the annual rates for DUI auto insurance in Boyd, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,190 |
| American Family | $3,732 |
| Geico | $3,354 |
| Nationwide | $4,980 |
| Progressive | $4,084 |
| State Farm | $3,301 |
| USAA | $3,241 |
Cheap Boyd, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Boyd, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,251 | $4,598 | $3,940 |
| American Family | $5,090 | $3,164 | $2,770 |
| Geico | $5,508 | $3,110 | $2,068 |
| Nationwide | $4,651 | $3,730 | $3,240 |
| Progressive | $4,515 | $3,901 | $3,616 |
| State Farm | $3,884 | $2,418 | $1,927 |
| USAA | $3,676 | $2,116 | $1,700 |
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Cheap Boyd, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Boyd, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Boyd, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 76023 | $5,285 |
Cheap Boyd, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Boyd, Texas auto insurance. Find the cheapest annual Boyd, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,811 | $5,047 |
| American Family | $3,675 | $3,675 |
| Geico | $3,494 | $3,630 |
| Nationwide | $3,873 | $3,873 |
| Progressive | $4,011 | $4,011 |
| State Farm | $2,743 | $2,743 |
| USAA | $2,466 | $2,529 |
Cheap Boyd, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Boyd, Texas? Check out the comparison of annual Boyd, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,836 | $4,895 | $5,058 |
| American Family | $3,437 | $3,548 | $4,038 |
| Geico | $3,405 | $3,530 | $3,751 |
| Nationwide | $4,173 | $3,708 | $3,739 |
| Progressive | $3,809 | $3,990 | $4,234 |
| State Farm | $2,605 | $2,735 | $2,889 |
| USAA | $2,417 | $2,488 | $2,586 |
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Best By Category: Cheapest Auto Insurance in Boyd, Texas
Compare the cheapest auto insurance companies in Boyd, 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 | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Boyd, Texas Auto Insurance Companies
What auto insurance companies in Boyd, Texas are the cheapest? Compare the top Boyd, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,929 |
| American Family | $3,675 |
| Geico | $3,562 |
| Nationwide | $3,873 |
| Progressive | $4,011 |
| State Farm | $2,743 |
| USAA | $2,497 |
What affects auto insurance rates in Boyd, Texas?
There are a lot of reasons why auto insurance rates in Boyd, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Boyd, Texas. Many local factors may affect your Boyd auto insurance rates.
Boyd Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Boyd, Texas auto theft statistics, there have been 0 auto thefts in the city.
Boyd Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Boyd, Texas commute length is 28.0 minutes according to City-Data.
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Compare Boyd, Texas Auto Insurance Quotes
Before you buy Boyd, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Boyd, Texas auto insurance quotes.
Frequently Asked Questions
What is auto insurance and why is it important in Boyd, TX?
Auto insurance is a contract between you and an insurance company that provides financial protection in case of accidents, theft, or damage to your vehicle. It is important in Boyd, TX, as it is required by law to have at least the minimum liability coverage to drive legally. Auto insurance helps cover the costs of repairs, medical expenses, and liability claims that may arise from accidents.
What are the minimum auto insurance requirements in Boyd, TX?
In Boyd, TX, the minimum auto insurance requirements include liability coverage of at least $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident. This is often referred to as 30/60/25 coverage.
Are there any additional coverage options to consider for auto insurance in Boyd, TX?
Yes, in addition to the minimum liability coverage, there are several additional coverage options you may want to consider for auto insurance in Boyd, TX. These include comprehensive coverage (for damage to your vehicle from non-accident-related incidents like theft or weather damage), collision coverage (for damage to your vehicle in case of an accident), uninsured/underinsured motorist coverage (protection if you’re in an accident with someone who has no insurance or inadequate coverage), and medical payments coverage (for medical expenses resulting from an accident).
How can I find affordable auto insurance in Boyd, TX?
To find affordable auto insurance in Boyd, TX, it’s important to shop around and compare quotes from different insurance companies. You can contact insurance agents directly, use online comparison tools, or work with an independent insurance broker who can help you find the best rates. Additionally, maintaining a good driving record, opting for higher deductibles, and bundling your auto insurance with other policies (such as home or renters insurance) may also help lower your premiums.
Can I get discounts on auto insurance in Boyd, TX?
Yes, many insurance companies offer discounts that can help lower your auto insurance premiums in Boyd, TX. Common discounts include safe driver discounts, multi-policy discounts (when you have multiple policies with the same insurer), good student discounts, and discounts for safety features installed in your vehicle, such as anti-theft systems or anti-lock brakes. It’s recommended to ask your insurance provider about the available discounts and see if you qualify for any.
What should I do if I’m involved in an accident in Boyd, TX?
If you’re involved in an accident in Boyd, TX, it’s important to first ensure your safety and the safety of others involved. Contact the local authorities to report the accident and exchange information with the other party, including names, contact information, and insurance details. Notify your insurance company about the accident as soon as possible and provide them with all the necessary information. They will guide you through the claims process and help you with any questions or concerns you may have.
Can I change my auto insurance policy or switch insurance providers in Boyd, TX?
Yes, you have the right to change your auto insurance policy or switch insurance providers in Boyd, TX. It’s important to review your policy regularly and make changes as needed to ensure you have the coverage that meets your needs. When switching providers, consider factors such as coverage options, customer service, and pricing to make an informed decision. Be mindful of any cancellation fees or potential gaps in coverage when making the switch.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
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.