Best Copperas Cove, Texas Auto Insurance in 2024
The average Copperas Cove, TX auto insurance rates are $281 per month. The minimum auto insurance in Copperas Cove is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Copperas Cove, Texas, compare quotes from multiple companies.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Sep 5, 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 5, 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 Copperas Cove is USAA
- The most expensive auto insurance company in Copperas Cove for teen drivers is Allstate
- The average commute length in Copperas Cove is 25.2 minutes
Copperas Cove, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Copperas Cove 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 Copperas Cove, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Copperas Cove to other Texas cities, including Corpus Christi auto insurance rates, Austin auto insurance rates, and Plano auto insurance rates to see how Copperas Cove, Texas auto insurance rates stack up.
Before you buy Copperas Cove, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Copperas Cove, Texas auto insurance quotes.
Minimum Auto Insurance in Copperas Cove, Texas
Copperas Cove, 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 Copperas Cove, 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 Copperas Cove, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Copperas Cove, 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 | $3,287 | $3,314 | $3,245 | $3,245 | $8,714 | $10,507 | $4,061 | $4,228 |
| American Family | $2,138 | $2,369 | $2,004 | $2,282 | $5,547 | $7,268 | $3,037 | $3,459 |
| Geico | $2,014 | $2,165 | $1,937 | $2,181 | $4,356 | $4,521 | $2,175 | $2,175 |
| Nationwide | $2,317 | $2,357 | $2,045 | $2,168 | $6,578 | $8,457 | $2,723 | $2,948 |
| Progressive | $1,963 | $1,868 | $1,764 | $1,791 | $8,342 | $9,301 | $2,326 | $2,360 |
| State Farm | $1,860 | $1,860 | $1,652 | $1,652 | $4,402 | $5,600 | $2,019 | $2,082 |
| USAA | $1,434 | $1,438 | $1,372 | $1,358 | $4,054 | $4,402 | $1,907 | $2,035 |
Cheap Copperas Cove, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Copperas Cove, Texas is a challenge. Take a look at the annual teen auto insurance rates in Copperas Cove, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,714 | $10,507 |
| American Family | $5,547 | $7,268 |
| Geico | $4,356 | $4,521 |
| Nationwide | $6,578 | $8,457 |
| Progressive | $8,342 | $9,301 |
| State Farm | $4,402 | $5,600 |
| USAA | $4,054 | $4,402 |
Cheap Copperas Cove, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Copperas Cove, 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 | $3,245 | $3,245 |
| American Family | $2,004 | $2,282 |
| Geico | $1,937 | $2,181 |
| Nationwide | $2,045 | $2,168 |
| Progressive | $1,764 | $1,791 |
| State Farm | $1,652 | $1,652 |
| USAA | $1,372 | $1,358 |
Cheap Copperas Cove, 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 Copperas Cove, Texas compared to the annual auto insurance rates with a clean record in Copperas Cove, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,937 | $6,074 | $6,352 | $3,937 |
| American Family | $3,208 | $4,064 | $3,571 | $3,208 |
| Geico | $2,289 | $3,011 | $2,526 | $2,936 |
| Nationwide | $3,206 | $3,206 | $4,761 | $3,624 |
| Progressive | $3,246 | $4,196 | $3,773 | $3,643 |
| State Farm | $2,352 | $2,691 | $3,169 | $2,352 |
| USAA | $1,676 | $2,476 | $2,926 | $1,923 |
Cheap Copperas Cove, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Copperas Cove, Texas is not easy. Compare the annual rates for DUI auto insurance in Copperas Cove, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,352 |
| American Family | $3,571 |
| Geico | $2,526 |
| Nationwide | $4,761 |
| Progressive | $3,773 |
| State Farm | $3,169 |
| USAA | $2,926 |
Cheap Copperas Cove, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Copperas Cove, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,446 | $4,730 | $4,050 |
| American Family | $4,845 | $3,034 | $2,660 |
| Geico | $4,131 | $2,356 | $1,584 |
| Nationwide | $4,435 | $3,563 | $3,099 |
| Progressive | $4,159 | $3,619 | $3,365 |
| State Farm | $3,740 | $2,328 | $1,855 |
| USAA | $3,295 | $1,913 | $1,543 |
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Cheap Copperas Cove, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Copperas Cove, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Copperas Cove, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 76522 | $4,991 |
Cheap Copperas Cove, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Copperas Cove, Texas auto insurance. Find the cheapest annual Copperas Cove, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,956 | $5,194 |
| American Family | $3,513 | $3,513 |
| Geico | $2,642 | $2,739 |
| Nationwide | $3,699 | $3,699 |
| Progressive | $3,714 | $3,714 |
| State Farm | $2,641 | $2,641 |
| USAA | $2,222 | $2,278 |
Cheap Copperas Cove, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Copperas Cove, Texas? Check out the comparison of annual Copperas Cove, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,953 | $5,029 | $5,243 |
| American Family | $3,296 | $3,403 | $3,839 |
| Geico | $2,559 | $2,663 | $2,849 |
| Nationwide | $3,995 | $3,542 | $3,561 |
| Progressive | $3,546 | $3,700 | $3,897 |
| State Farm | $2,509 | $2,634 | $2,780 |
| USAA | $2,172 | $2,241 | $2,337 |
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Best By Category: Cheapest Auto Insurance in Copperas Cove, Texas
Compare the cheapest auto insurance companies in Copperas Cove, 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 Copperas Cove, Texas Auto Insurance Companies
What auto insurance companies in Copperas Cove, Texas are the cheapest? Compare the top Copperas Cove, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,075 |
| American Family | $3,513 |
| Geico | $2,690 |
| Nationwide | $3,699 |
| Progressive | $3,714 |
| State Farm | $2,641 |
| USAA | $2,250 |
What affects auto insurance rates in Copperas Cove, Texas?
There are a lot of reasons why auto insurance rates in Copperas Cove, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Copperas Cove, Texas. Many local factors may affect your Copperas Cove auto insurance rates.
Copperas Cove Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Copperas Cove, Texas auto theft statistics, there have been 20 auto thefts in the city.
Copperas Cove Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Copperas Cove, Texas commute length is 25.2 minutes according to City-Data.
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Compare Copperas Cove, Texas Auto Insurance Quotes
Before you buy Copperas Cove, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Copperas Cove, Texas auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection against physical damage and bodily injury resulting from traffic collisions and other incidents involving automobiles. It helps cover the costs associated with repairs, medical expenses, liability claims, and other related expenses.
Is auto insurance mandatory in Copperas Cove, TX?
Yes, auto insurance is mandatory in Copperas Cove, TX, as it is in most states in the United States. Texas law requires drivers to carry liability insurance coverage that meets the state’s minimum requirements. Failure to maintain proper insurance coverage can result in fines, license suspension, and other penalties.
What are the minimum auto insurance requirements in Copperas Cove, TX?
In Copperas Cove, TX, drivers are required to carry a minimum liability insurance coverage of 30/60/25. This means that the policy must provide at least $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
What does liability insurance cover?
Liability insurance covers the costs associated with injuries or property damage that you cause to others in an at-fault accident. Bodily injury liability coverage helps pay for medical expenses, rehabilitation, and legal fees if you injure someone. Property damage liability coverage helps cover the costs of repairing or replacing damaged property, such as vehicles, buildings, or fences.
Are there additional auto insurance coverages I should consider in Copperas Cove, TX?
While liability insurance meets the minimum legal requirements, it’s often a good idea to consider additional coverages for enhanced protection. Some common optional coverages include:
- Collision coverage: Helps pay for repairs or replacement of your vehicle in the event of a collision, regardless of fault.
- Comprehensive coverage: Provides coverage for non-collision incidents, such as theft, vandalism, fire, or weather-related damage.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance coverage.
- Personal injury protection (PIP): Covers medical expenses, lost wages, and other related costs for you and your passengers, regardless of fault.
How are auto insurance rates determined in Copperas Cove, TX?
Auto insurance rates in Copperas Cove, TX, are determined based on several factors, including:
- Your driving record: Insurance companies consider your past accidents, traffic violations, and claims history.
- Vehicle information: The make, model, age, and safety features of your vehicle can affect the rates.
- Coverage options: The types and amounts of coverage you choose will impact the cost.
- Deductibles: A higher deductible usually leads to lower premiums.
- Credit history: In some states, including Texas, credit history can be used to determine insurance rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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.