A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Breckenridge after a DUI is USAA
  • The annual number of car thefts in Breckenridge is 4.
  • The cheapest car insurance company in Breckenridge for teen drivers is USAA

Average car insurance rates in Breckenridge, Texas are $303 a month. But with a little research you can get a great deal from the top car insurance companies in Breckenridge, TX. Before you buy Breckenridge, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

It may even be helpful to compare Breckenridge car insurance rates with Dallas car insurance rates, Arlington car insurance rates, or San Antonio car insurance rates to make sure you’re getting the best Breckenridge, TX car insurance quotes available.

Need affordable Breckenridge, TX car insurance? Enter your ZIP code to compare Breckenridge car insurance quotes from multiple car insurance companies near you.

Breckenridge, TX Minimum Car Insurance Coverage

Breckenridge, Texas law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Breckenridge, 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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Breckenridge, TX Car Insurance Rates by Coverage Level

Some Breckenridge drivers can get by with the Texas minimum coverage of 30/60/25. Other drivers may need more. See how much your Breckenridge, Texas car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Breckenridge, Texas

Insurance Company Low Medium High
Allstate $5,388 $5,447 $5,609
American Family $3,928 $4,027 $4,441
GEICO $2,927 $3,034 $3,251
Nationwide $4,170 $3,681 $3,695
Progressive $3,970 $4,114 $4,302
State Farm $2,463 $2,575 $2,707
USAA $2,141 $2,199 $2,279

Breckenridge, TX Car Insurance Rates by Age, Gender, and Marital Status

Breckenridge, Texas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Breckenridge, TX car insurance, get quotes from multiple car insurance companies in the Breckenridge area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Breckenridge, Texas

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 $3,578 $3,634 $3,538 $3,538 $9,210 $11,209 $4,458 $4,686
American Family $2,652 $2,913 $2,372 $2,682 $6,273 $8,324 $3,662 $4,179
GEICO $2,312 $2,477 $2,198 $2,460 $4,936 $5,169 $2,500 $2,517
Nationwide $2,430 $2,480 $2,141 $2,277 $6,780 $8,753 $2,842 $3,085
Progressive $2,191 $2,094 $1,955 $1,989 $9,218 $10,306 $2,610 $2,670
State Farm $1,833 $1,833 $1,624 $1,624 $4,274 $5,429 $1,984 $2,052
USAA $1,425 $1,441 $1,355 $1,354 $3,881 $4,251 $1,896 $2,050

Breckenridge, TX Car Insurance Rates for Teens

How much is Breckenridge, Texas car insurance for teens? Compare rates from top Breckenridge car insurance companies below to help find the cheapest teen car insurance in Breckenridge, TX.

Annual Car Insurance Rates for Teen Drivers in Breckenridge, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,210 $11,209
American Family $6,273 $8,324
GEICO $4,936 $5,169
Nationwide $6,780 $8,753
Progressive $9,218 $10,306
State Farm $4,274 $5,429
USAA $3,881 $4,251

Breckenridge, TX Car Insurance Rates for Seniors

Before seniors buy Breckenridge, Texas car insurance, they should make sure to shop around. Some Breckenridge, TX car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Breckenridge, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,538 $3,538
American Family $2,372 $2,682
GEICO $2,198 $2,460
Nationwide $2,141 $2,277
Progressive $1,955 $1,989
State Farm $1,624 $1,624
USAA $1,355 $1,354

Breckenridge, TX Car Insurance Rates by Credit History

How does your credit history affect Breckenridge, TX car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Breckenridge, Texas

Insurance Company Poor Fair Good
Allstate $6,990 $5,100 $4,354
American Family $5,812 $3,514 $3,071
GEICO $4,732 $2,685 $1,795
Nationwide $4,628 $3,700 $3,218
Progressive $4,641 $4,019 $3,727
State Farm $3,658 $2,275 $1,812
USAA $3,258 $1,865 $1,496

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Breckenridge, TX Car Insurance Rates by Driver History

How does a single speeding ticket affect your Breckenridge, Texas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Breckenridge.

Annual Breckenridge, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,327 $6,510 $6,761 $4,327
American Family $3,784 $4,771 $4,190 $3,784
GEICO $2,609 $3,414 $2,896 $3,365
Nationwide $3,329 $3,329 $4,966 $3,770
Progressive $3,604 $4,653 $4,203 $4,055
State Farm $2,307 $2,629 $3,083 $2,307
USAA $1,655 $2,422 $2,849 $1,899

Breckenridge, TX Car Insurance Rates With a DUI

Even a single DUI can increase your Breckenridge, TX car insurance rates. Compare rates below to see which Breckenridge car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Breckenridge, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,761
American Family $4,190
GEICO $2,896
Nationwide $4,966
Progressive $4,203
State Farm $3,083
USAA $2,849

Breckenridge, TX Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Breckenridge, TX car insurance rates may be. Let’s take a look at average car insurance rates from top Breckenridge companies based on commute time.

Annual Car Insurance Rates by Commute Length in Breckenridge, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,357 $5,606
American Family $4,132 $4,132
GEICO $3,010 $3,132
Nationwide $3,849 $3,849
Progressive $4,129 $4,129
State Farm $2,582 $2,582
USAA $2,178 $2,234

Breckenridge, TX Cheapest Car Insurance Rates

How do the top Breckenridge, Texas car insurance companies’ average rates stack up against the Breckenridge average monthly car insurance rates of $303? Take a look and see.

Best Annual Car Insurance Rates by Company in Breckenridge, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Breckenridge, TX Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Breckenridge, Texas car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Breckenridge, Texas

Insurance Company Average Annual Rates
Allstate $5,481
American Family $4,132
GEICO $3,071
Nationwide $3,849
Progressive $4,129
State Farm $2,582
USAA $2,206

Other Factors Affecting Breckenridge, TX Car Insurance Rates

Before you buy Breckenridge, Texas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Breckenridge, TX Car Theft Rates

The car theft rate in Breckenridge, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Breckenridge, Texas is 4 stolen cars.

Breckenridge, TX Commute Time

How does your Breckenridge, TX commute time compare with the average driver? In Breckenridge, the average commute is 18.0 minutes.

Breckenridge, TX Car Insurance Quotes

Compare Breckenridge, TX car insurance quotes from multiple companies by entering your ZIP code now.