Best Channelview, Texas Auto Insurance in 2024
The average Channelview, TX auto insurance rates are $384 per month. The minimum auto insurance in Channelview is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Channelview, Texas, compare quotes from multiple companies.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Sep 4, 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 4, 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 average commute length in Channelview is 28.5 minutes
- The minimum auto insurance required in Channelview, Texas is 30/60/25
- The cheapest auto insurance company in Channelview is USAA
Channelview, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Channelview 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 Channelview, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Channelview to other Texas cities, including Laredo auto insurance rates, Houston auto insurance rates, and Austin auto insurance rates to see how Channelview, Texas auto insurance rates stack up.
Before you buy Channelview, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Channelview, Texas auto insurance quotes.
Minimum Auto Insurance in Channelview, Texas
Channelview, 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 Channelview, 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 Channelview, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Channelview, 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 | $4,335 | $4,365 | $4,280 | $4,280 | $11,470 | $13,819 | $5,346 | $5,554 |
| American Family | $3,510 | $3,945 | $3,342 | $3,867 | $10,020 | $13,110 | $5,193 | $5,941 |
| Geico | $2,783 | $3,019 | $2,714 | $3,108 | $6,154 | $6,354 | $3,008 | $2,975 |
| Nationwide | $2,631 | $2,674 | $2,326 | $2,461 | $7,463 | $9,574 | $3,092 | $3,343 |
| Progressive | $2,749 | $2,620 | $2,442 | $2,486 | $11,621 | $13,012 | $3,278 | $3,346 |
| State Farm | $2,390 | $2,390 | $2,130 | $2,130 | $5,734 | $7,306 | $2,600 | $2,676 |
| USAA | $1,824 | $1,826 | $1,753 | $1,730 | $5,200 | $5,631 | $2,422 | $2,575 |
Cheap Channelview, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Channelview, Texas is a challenge. Take a look at the annual teen auto insurance rates in Channelview, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,470 | $13,819 |
| American Family | $10,020 | $13,110 |
| Geico | $6,154 | $6,354 |
| Nationwide | $7,463 | $9,574 |
| Progressive | $11,621 | $13,012 |
| State Farm | $5,734 | $7,306 |
| USAA | $5,200 | $5,631 |
Cheap Channelview, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Channelview, 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 | $4,280 | $4,280 |
| American Family | $3,342 | $3,867 |
| Geico | $2,714 | $3,108 |
| Nationwide | $2,326 | $2,461 |
| Progressive | $2,442 | $2,486 |
| State Farm | $2,130 | $2,130 |
| USAA | $1,753 | $1,730 |
Cheap Channelview, 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 Channelview, Texas compared to the annual auto insurance rates with a clean record in Channelview, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,166 | $8,032 | $8,361 | $5,166 |
| American Family | $5,548 | $7,136 | $6,232 | $5,548 |
| Geico | $3,189 | $4,237 | $3,514 | $4,117 |
| Nationwide | $3,641 | $3,641 | $5,389 | $4,111 |
| Progressive | $4,522 | $5,861 | $5,294 | $5,099 |
| State Farm | $3,036 | $3,485 | $4,121 | $3,036 |
| USAA | $2,130 | $3,172 | $3,731 | $2,447 |
Cheap Channelview, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Channelview, Texas is not easy. Compare the annual rates for DUI auto insurance in Channelview, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $8,361 |
| American Family | $6,232 |
| Geico | $3,514 |
| Nationwide | $5,389 |
| Progressive | $5,294 |
| State Farm | $4,121 |
| USAA | $3,731 |
Cheap Channelview, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Channelview, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,501 | $6,218 | $5,324 |
| American Family | $8,311 | $5,359 | $4,678 |
| Geico | $5,828 | $3,285 | $2,180 |
| Nationwide | $5,044 | $4,039 | $3,503 |
| Progressive | $5,853 | $5,052 | $4,678 |
| State Farm | $4,837 | $3,016 | $2,406 |
| USAA | $4,195 | $2,444 | $1,971 |
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Cheap Channelview, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Channelview, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Channelview, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 77530 | $6,830 |
Cheap Channelview, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Channelview, Texas auto insurance. Find the cheapest annual Channelview, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,516 | $6,847 |
| American Family | $6,116 | $6,116 |
| Geico | $3,694 | $3,835 |
| Nationwide | $4,195 | $4,195 |
| Progressive | $5,194 | $5,194 |
| State Farm | $3,420 | $3,420 |
| USAA | $2,833 | $2,906 |
Cheap Channelview, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Channelview, Texas? Check out the comparison of annual Channelview, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,507 | $6,616 | $6,921 |
| American Family | $5,633 | $5,851 | $6,864 |
| Geico | $3,536 | $3,708 | $4,050 |
| Nationwide | $4,498 | $4,015 | $4,074 |
| Progressive | $4,959 | $5,173 | $5,451 |
| State Farm | $3,230 | $3,406 | $3,623 |
| USAA | $2,755 | $2,856 | $2,999 |
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Best By Category: Cheapest Auto Insurance in Channelview, Texas
Compare the cheapest auto insurance companies in Channelview, 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 Channelview, Texas Auto Insurance Companies
What auto insurance companies in Channelview, Texas are the cheapest? Compare the top Channelview, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,681 |
| American Family | $6,116 |
| Geico | $3,764 |
| Nationwide | $4,195 |
| Progressive | $5,194 |
| State Farm | $3,420 |
| USAA | $2,870 |
What affects auto insurance rates in Channelview, Texas?
There are a lot of reasons why auto insurance rates in Channelview, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Channelview, Texas. Many local factors may affect your Channelview auto insurance rates.
Channelview Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Channelview, Texas commute length is 28.5 minutes according to City-Data.
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Compare Channelview, Texas Auto Insurance Quotes
Before you buy Channelview, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Channelview, Texas auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a contract between an individual and an insurance company that provides financial protection in the event of a covered accident or damage to a vehicle. It typically includes coverage for liability, collision, comprehensive, and medical expenses.
What types of auto insurance coverage are available in Channelview, TX?
In Channelview, TX, you can typically find the following types of auto insurance coverage:
- Liability coverage: This covers injuries and property damage you may cause to others in an accident.
- Collision coverage: This covers damage to your vehicle in the event of a collision with another vehicle or object.
- Comprehensive coverage: This covers damage to your vehicle caused by incidents other than collisions, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: This provides protection if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
- Personal injury protection (PIP): This coverage pays for medical expenses and lost wages for you and your passengers, regardless of who caused the accident.
Is auto insurance mandatory in Channelview, TX?
Yes, auto insurance is mandatory in Channelview, TX. The state requires drivers to carry minimum liability insurance coverage to help cover costs in case of an accident. The current minimum liability coverage limits in Texas are 30/60/25, meaning $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage.
How much does auto insurance cost in Channelview, TX?
The cost of auto insurance in Channelview, TX varies depending on several factors, including your age, driving record, type of vehicle, coverage limits, and the insurance company you choose. It’s best to obtain quotes from multiple insurers to compare rates and find the most affordable coverage that meets your needs.
How can I lower my auto insurance premiums in Channelview, TX?
Here are some tips to help lower your auto insurance premiums in Channelview, TX:
- Maintain a clean driving record.
- Choose a higher deductible, but make sure you can afford it in case of a claim.
- Take advantage of available discounts, such as safe driver discounts, multi-policy discounts, or discounts for completing a defensive driving course.
- Bundle your auto insurance with other insurance policies, such as homeowners or renters insurance.
- Consider installing safety features in your vehicle that may qualify for discounts.
- Review your coverage periodically to ensure you have appropriate coverage limits and eliminate any unnecessary coverage.
Can I get auto insurance if I have a poor driving record?
Yes, you can still get auto insurance with a poor driving record. However, insurance companies may consider you a high-risk driver, which could result in higher premiums compared to drivers with clean records.
Will my poor driving record affect my auto insurance premiums?
Yes, a poor driving record can significantly impact your auto insurance premiums. Insurance companies consider your driving history when determining rates. If you have a history of accidents, traffic violations, or DUI convictions, you’re likely to face higher premiums.
How long does a poor driving record affect my auto insurance rates?
The length of time a poor driving record affects your auto insurance rates varies depending on the insurance company and state regulations. Generally, violations and accidents remain on your record for three to five years, and insurance companies may use this information to calculate your premiums during that period.
Are there insurance companies that specialize in providing coverage to drivers with a poor driving record?
Yes, there are insurance companies that specialize in providing coverage to drivers with a poor driving record. These companies often cater to high-risk drivers and may offer policies with higher premiums but still provide the required coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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.