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 Flower Mound is 34.
  • Average car insurance rates in Flower Mound, TX for senior drivers are $2,231/year
  • Average car insurance rates in Flower Mound, TX are $306/month

Average car insurance rates in Flower Mound, Texas are $306 a month. But with a little research you can get a great deal from the top car insurance companies in Flower Mound, TX. Before you buy Flower Mound, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

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

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

Flower Mound, TX Minimum Car Insurance Coverage

Flower Mound, 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 Flower Mound, 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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Flower Mound, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Flower Mound, Texas

Insurance Company Low Medium High
Allstate $4,903 $4,970 $5,158
American Family $4,116 $4,248 $4,817
GEICO $3,277 $3,420 $3,662
Nationwide $3,465 $3,087 $3,106
Progressive $4,156 $4,300 $4,487
State Farm $2,757 $2,911 $3,081
USAA $2,303 $2,377 $2,479

Flower Mound, TX Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Flower Mound, 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 $3,213 $3,232 $3,169 $3,169 $8,707 $10,487 $3,976 $4,130
American Family $2,671 $2,970 $2,479 $2,838 $6,955 $9,086 $3,814 $4,338
GEICO $2,542 $2,749 $2,456 $2,795 $5,691 $5,884 $2,757 $2,747
Nationwide $2,023 $2,053 $1,792 $1,893 $5,721 $7,329 $2,376 $2,567
Progressive $2,341 $2,257 $2,073 $2,119 $9,479 $10,580 $2,797 $2,868
State Farm $2,006 $2,006 $1,795 $1,795 $4,950 $6,332 $2,191 $2,254
USAA $1,506 $1,505 $1,444 $1,420 $4,361 $4,721 $2,005 $2,128

Flower Mound, TX Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Flower Mound, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,707 $10,487
American Family $6,955 $9,086
GEICO $5,691 $5,884
Nationwide $5,721 $7,329
Progressive $9,479 $10,580
State Farm $4,950 $6,332
USAA $4,361 $4,721

Flower Mound, TX Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Flower Mound, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,169 $3,169
American Family $2,479 $2,838
GEICO $2,456 $2,795
Nationwide $1,792 $1,893
Progressive $2,073 $2,119
State Farm $1,795 $1,795
USAA $1,444 $1,420

Flower Mound, TX Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Flower Mound, Texas

Insurance Company Poor Fair Good
Allstate $6,351 $4,673 $4,007
American Family $6,043 $3,817 $3,321
GEICO $5,336 $3,015 $2,007
Nationwide $3,847 $3,105 $2,706
Progressive $4,875 $4,191 $3,876
State Farm $4,127 $2,571 $2,050
USAA $3,490 $2,031 $1,638

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Flower Mound, TX Car Insurance Rates by Driver History

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

Annual Flower Mound, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,846 $6,032 $6,317 $3,846
American Family $4,001 $5,103 $4,469 $4,001
GEICO $2,927 $3,896 $3,224 $3,764
Nationwide $2,797 $2,797 $4,129 $3,155
Progressive $3,768 $4,832 $4,402 $4,255
State Farm $2,576 $2,974 $3,539 $2,576
USAA $1,771 $2,628 $3,114 $2,032

Flower Mound, TX Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Flower Mound, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,317
American Family $4,469
GEICO $3,224
Nationwide $4,129
Progressive $4,402
State Farm $3,539
USAA $3,114

Flower Mound, TX Car Insurance Rates by ZIP Code

Just like Flower Mound car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Flower Mound, TX car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Flower Mound, Texas

ZIP Code Average Annual Rates
75022 $5,449
75028 $5,274

Flower Mound, TX Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Flower Mound, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,886 $5,135
American Family $4,394 $4,394
GEICO $3,392 $3,513
Nationwide $3,219 $3,219
Progressive $4,314 $4,314
State Farm $2,916 $2,916
USAA $2,357 $2,416

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Flower Mound, TX Cheapest Car Insurance Rates

How do the top Flower Mound, Texas car insurance companies’ average rates stack up against the Flower Mound average monthly car insurance rates of $306? Take a look and see.

Best Annual Car Insurance Rates by Company in Flower Mound, Texas

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

Flower Mound, TX Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Flower Mound, Texas

Insurance Company Average Annual Rates
Allstate $5,010
American Family $4,394
GEICO $3,453
Nationwide $3,219
Progressive $4,314
State Farm $2,916
USAA $2,386

Other Factors Affecting Flower Mound, TX Car Insurance Rates

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

Flower Mound, TX Car Theft Rates

The car theft rate in Flower Mound, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Flower Mound, Texas is 34 stolen cars.

Flower Mound, TX Commute Time

How does your Flower Mound, TX commute time compare with the average driver? In Flower Mound, the average commute is 28.4 minutes.

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Flower Mound, TX Car Insurance Quotes

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