Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 annual number of car thefts in Dumas is 31.
  • Average car insurance rates in Dumas, TX for senior drivers are $2,447/year
  • The cheapest car insurance company in Dumas after a DUI is State Farm

Average car insurance rates in Dumas, Texas are $333 a month. But with a little research you can get a great deal from the top car insurance companies in Dumas, TX. Before you buy Dumas, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

It may even be helpful to compare Dumas car insurance rates with Dallas car insurance rates, Houston car insurance rates, or Fort Worth car insurance rates to make sure you’re getting the best Dumas, TX car insurance quotes available.

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

Dumas, TX Minimum Car Insurance Coverage

Dumas, 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 Dumas, 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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Dumas, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Dumas, Texas

Insurance Company Low Medium High
Allstate $5,241 $5,294 $5,441
American Family $5,230 $5,348 $5,823
GEICO $3,254 $3,343 $3,518
Nationwide $4,596 $4,046 $4,054
Progressive $4,481 $4,646 $4,867
State Farm $2,398 $2,499 $2,618
USAA $2,364 $2,412 $2,475

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Dumas, 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 $3,482 $3,536 $3,440 $3,440 $8,940 $10,875 $4,333 $4,559
American Family $3,759 $4,101 $3,174 $3,571 $7,881 $10,515 $5,023 $5,711
GEICO $2,595 $2,736 $2,374 $2,592 $5,356 $5,639 $2,811 $2,871
Nationwide $2,671 $2,729 $2,351 $2,503 $7,453 $9,632 $3,124 $3,393
Progressive $2,599 $2,513 $2,278 $2,340 $10,068 $11,233 $3,103 $3,183
State Farm $1,792 $1,792 $1,585 $1,585 $4,121 $5,224 $1,937 $2,005
USAA $1,594 $1,639 $1,497 $1,531 $4,047 $4,518 $2,138 $2,373

Dumas, TX Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Dumas, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,940 $10,875
American Family $7,881 $10,515
GEICO $5,356 $5,639
Nationwide $7,453 $9,632
Progressive $10,068 $11,233
State Farm $4,121 $5,224
USAA $4,047 $4,518

Dumas, TX Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Dumas, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,440 $3,440
American Family $3,174 $3,571
GEICO $2,374 $2,592
Nationwide $2,351 $2,503
Progressive $2,278 $2,340
State Farm $1,585 $1,585
USAA $1,497 $1,531

Dumas, TX Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Dumas, Texas

Insurance Company Poor Fair Good
Allstate $6,775 $4,962 $4,239
American Family $7,819 $4,595 $3,986
GEICO $5,208 $2,945 $1,962
Nationwide $5,100 $4,065 $3,531
Progressive $5,312 $4,519 $4,162
State Farm $3,550 $2,207 $1,758
USAA $3,624 $2,022 $1,606

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Dumas, TX Car Insurance Rates by Driver History

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

Annual Dumas, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,212 $6,306 $6,571 $4,212
American Family $5,037 $6,271 $5,522 $5,037
GEICO $2,860 $3,678 $3,228 $3,721
Nationwide $3,658 $3,658 $5,466 $4,145
Progressive $4,074 $5,193 $4,777 $4,614
State Farm $2,245 $2,550 $2,980 $2,245
USAA $1,833 $2,638 $3,094 $2,103

Dumas, TX Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Dumas, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,571
American Family $5,522
GEICO $3,228
Nationwide $5,466
Progressive $4,777
State Farm $2,980
USAA $3,094

Dumas, TX Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Dumas, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,206 $5,445
American Family $5,467 $5,467
GEICO $3,296 $3,447
Nationwide $4,232 $4,232
Progressive $4,665 $4,665
State Farm $2,505 $2,505
USAA $2,385 $2,449

Dumas, TX Cheapest Car Insurance Rates

How do the top Dumas, Texas car insurance companies’ average rates stack up against the Dumas average monthly car insurance rates of $333? Take a look and see.

Best Annual Car Insurance Rates by Company in Dumas, Texas

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

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Dumas, TX Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Dumas, Texas

Insurance Company Average Annual Rates
Allstate $5,325
American Family $5,467
GEICO $3,372
Nationwide $4,232
Progressive $4,665
State Farm $2,505
USAA $2,417

Other Factors Affecting Dumas, TX Car Insurance Rates

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

Dumas, TX Car Theft Rates

The car theft rate in Dumas, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Dumas, Texas is 31 stolen cars.

Dumas, TX Commute Time

How does your Dumas, TX commute time compare with the average driver? In Dumas, the average commute is 18.1 minutes.

Dumas, TX Car Insurance Quotes

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