Best Granbury, Texas Auto Insurance in 2024
The average Granbury, TX auto insurance rates are $303 per month. The minimum auto insurance in Granbury is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Granbury, Texas, compare quotes from multiple companies.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 10, 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 10, 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 most expensive auto insurance company in Granbury for teen drivers is Progressive
- The cheapest auto insurance company in Granbury is USAA
- Average auto insurance rates in Granbury, TX for senior drivers are $2,202 per year
Granbury, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Granbury 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 Granbury, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Granbury to other Texas cities, including San Antonio auto insurance rates, Austin auto insurance rates, and Dallas auto insurance rates to see how Granbury, Texas auto insurance rates stack up.
Before you buy Granbury, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Granbury, Texas auto insurance quotes.
Minimum Auto Insurance in Granbury, Texas
Granbury, 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 Granbury, 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 Granbury, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Granbury, 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 | $3,198 | $3,227 | $3,155 | $3,155 | $8,562 | $10,345 | $3,969 | $4,140 |
| American Family | $2,303 | $2,548 | $2,131 | $2,425 | $5,842 | $7,664 | $3,250 | $3,699 |
| Geico | $2,307 | $2,488 | $2,231 | $2,519 | $5,068 | $5,280 | $2,494 | $2,497 |
| Nationwide | $2,730 | $2,778 | $2,407 | $2,551 | $7,853 | $10,095 | $3,218 | $3,485 |
| Progressive | $2,234 | $2,127 | $1,987 | $2,026 | $9,220 | $10,278 | $2,645 | $2,688 |
| State Farm | $1,912 | $1,912 | $1,705 | $1,705 | $4,628 | $5,907 | $2,083 | $2,146 |
| USAA | $1,490 | $1,499 | $1,424 | $1,414 | $4,141 | $4,511 | $1,980 | $2,123 |
Cheap Granbury, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Granbury, Texas is a challenge. Take a look at the annual teen auto insurance rates in Granbury, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,562 | $10,345 |
| American Family | $5,842 | $7,664 |
| Geico | $5,068 | $5,280 |
| Nationwide | $7,853 | $10,095 |
| Progressive | $9,220 | $10,278 |
| State Farm | $4,628 | $5,907 |
| USAA | $4,141 | $4,511 |
Cheap Granbury, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Granbury, 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 | $3,155 | $3,155 |
| American Family | $2,131 | $2,425 |
| Geico | $2,231 | $2,519 |
| Nationwide | $2,407 | $2,551 |
| Progressive | $1,987 | $2,026 |
| State Farm | $1,705 | $1,705 |
| USAA | $1,424 | $1,414 |
Cheap Granbury, 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 Granbury, Texas compared to the annual auto insurance rates with a clean record in Granbury, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,847 | $5,951 | $6,230 | $3,847 |
| American Family | $3,416 | $4,308 | $3,791 | $3,416 |
| Geico | $2,642 | $3,500 | $2,910 | $3,391 |
| Nationwide | $3,801 | $3,801 | $5,656 | $4,300 |
| Progressive | $3,624 | $4,670 | $4,229 | $4,079 |
| State Farm | $2,439 | $2,803 | $3,319 | $2,439 |
| USAA | $1,735 | $2,556 | $3,010 | $1,990 |
Cheap Granbury, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Granbury, Texas is not easy. Compare the annual rates for DUI auto insurance in Granbury, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,230 |
| American Family | $3,791 |
| Geico | $2,910 |
| Nationwide | $5,656 |
| Progressive | $4,229 |
| State Farm | $3,319 |
| USAA | $3,010 |
Cheap Granbury, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Granbury, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,303 | $4,634 | $3,970 |
| American Family | $5,164 | $3,215 | $2,818 |
| Geico | $4,795 | $2,719 | $1,817 |
| Nationwide | $5,276 | $4,227 | $3,666 |
| Progressive | $4,677 | $4,036 | $3,739 |
| State Farm | $3,893 | $2,424 | $1,933 |
| USAA | $3,412 | $1,971 | $1,586 |
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Cheap Granbury, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Granbury, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Granbury, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 76048 | $5,388 |
| 76049 | $5,347 |
Cheap Granbury, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Granbury, Texas auto insurance. Find the cheapest annual Granbury, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,850 | $5,087 |
| American Family | $3,733 | $3,733 |
| Geico | $3,056 | $3,165 |
| Nationwide | $4,390 | $4,390 |
| Progressive | $4,151 | $4,151 |
| State Farm | $2,750 | $2,750 |
| USAA | $2,293 | $2,352 |
Cheap Granbury, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Granbury, Texas? Check out the comparison of annual Granbury, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,875 | $4,934 | $5,097 |
| American Family | $3,491 | $3,607 | $4,100 |
| Geico | $2,961 | $3,080 | $3,291 |
| Nationwide | $4,740 | $4,200 | $4,228 |
| Progressive | $3,965 | $4,132 | $4,355 |
| State Farm | $2,609 | $2,745 | $2,895 |
| USAA | $2,244 | $2,314 | $2,410 |
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Best By Category: Cheapest Auto Insurance in Granbury, Texas
Compare the cheapest auto insurance companies in Granbury, 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 Granbury, Texas Auto Insurance Companies
What auto insurance companies in Granbury, Texas are the cheapest? Compare the top Granbury, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,969 |
| American Family | $3,733 |
| Geico | $3,111 |
| Nationwide | $4,390 |
| Progressive | $4,151 |
| State Farm | $2,750 |
| USAA | $2,323 |
What affects auto insurance rates in Granbury, Texas?
There are a lot of reasons why auto insurance rates in Granbury, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Granbury, Texas. Many local factors may affect your Granbury auto insurance rates.
Granbury Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Granbury, Texas auto theft statistics, there have been 15 auto thefts in the city.
Granbury Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Granbury, Texas commute length is 27.2 minutes according to City-Data.
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Compare Granbury, Texas Auto Insurance Quotes
Before you buy Granbury, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Granbury, Texas auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Granbury, TX?
Yes, auto insurance is mandatory in Granbury, TX, as it is in the rest of Texas. The state requires drivers to carry at least the minimum liability coverage limits set by law. Failure to have proper insurance can result in fines, license suspension, and other penalties.
What does auto insurance typically cover?
Auto insurance policies can vary, but they generally provide coverage for liability (damage to others), collision (damage to your own vehicle from an accident), comprehensive (damage from non-collision incidents like theft or vandalism), medical payments, and uninsured/underinsured motorist coverage.
How are auto insurance premiums determined?
Auto insurance premiums in Granbury, TX, are typically determined based on various factors, including your driving record, age, gender, location, type of vehicle, coverage limits, deductibles, and credit history. Insurance companies use these factors to assess the level of risk you present as a driver.
Are there any discounts available for auto insurance in Granbury, TX?
Yes, insurance companies often offer discounts to policyholders. Common discounts include safe driver discounts, multi-vehicle discounts, bundling auto insurance with other policies, good student discounts, and discounts for safety features installed in your vehicle.
What should I do if I’m involved in an accident?
If you’re involved in an accident in Granbury, TX, it’s important to prioritize your safety and the safety of others involved. After ensuring everyone is okay, exchange insurance information with the other party, take photos of the accident scene if possible, and report the incident to your insurance company promptly.
What factors should I consider when choosing an auto insurance provider in Granbury, TX?
When selecting an auto insurance provider in Granbury, TX, it’s important to consider factors such as their financial stability, customer service reputation, coverage options, claim process, discounts offered, and premium rates. Comparing multiple insurance companies can help you make an informed decision.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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.