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

  • Average car insurance rates in Hardin, TX are $363/month
  • The cheapest car insurance company in Hardin for teen drivers is USAA
  • Average car insurance rates in Hardin, TX for senior drivers are $2,624/year

Average car insurance rates in Hardin, Texas are $363 a month. But with a little research you can get a great deal from the top car insurance companies in Hardin, TX. Before you buy Hardin, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

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

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

Hardin, TX Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Hardin, Texas

Insurance Company Low Medium High
Allstate $5,501 $5,597 $5,865
American Family $5,440 $5,658 $6,646
GEICO $3,395 $3,561 $3,901
Nationwide $4,342 $3,880 $3,937
Progressive $4,992 $5,257 $5,597
State Farm $3,035 $3,187 $3,370
USAA $2,691 $2,778 $2,901

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hardin, 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 $3,672 $3,694 $3,624 $3,624 $9,716 $11,692 $4,521 $4,691
American Family $3,389 $3,814 $3,237 $3,750 $9,713 $12,661 $5,021 $5,733
GEICO $2,659 $2,894 $2,590 $2,983 $5,941 $6,144 $2,884 $2,856
Nationwide $2,517 $2,554 $2,223 $2,350 $7,271 $9,326 $2,971 $3,214
Progressive $2,766 $2,616 $2,468 $2,507 $11,927 $13,360 $3,283 $3,329
State Farm $2,240 $2,240 $1,991 $1,991 $5,352 $6,819 $2,435 $2,511
USAA $1,784 $1,797 $1,705 $1,696 $4,977 $5,426 $2,378 $2,555

Hardin, TX Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Hardin, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,716 $11,692
American Family $9,713 $12,661
GEICO $5,941 $6,144
Nationwide $7,271 $9,326
Progressive $11,927 $13,360
State Farm $5,352 $6,819
USAA $4,977 $5,426

Hardin, TX Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Hardin, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,624 $3,624
American Family $3,237 $3,750
GEICO $2,590 $2,983
Nationwide $2,223 $2,350
Progressive $2,468 $2,507
State Farm $1,991 $1,991
USAA $1,705 $1,696

Hardin, TX Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Hardin, Texas

Insurance Company Poor Fair Good
Allstate $7,190 $5,264 $4,509
American Family $8,013 $5,198 $4,533
GEICO $5,598 $3,159 $2,099
Nationwide $4,858 $3,908 $3,394
Progressive $5,937 $5,142 $4,767
State Farm $4,533 $2,817 $2,242
USAA $4,102 $2,366 $1,902

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Hardin, TX Car Insurance Rates by Driver History

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

Annual Hardin, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,368 $6,799 $7,083 $4,368
American Family $5,366 $6,898 $6,029 $5,366
GEICO $3,068 $4,081 $3,371 $3,956
Nationwide $3,514 $3,514 $5,214 $3,971
Progressive $4,594 $5,986 $5,378 $5,170
State Farm $2,843 $3,258 $3,845 $2,843
USAA $2,080 $3,074 $3,617 $2,389

Hardin, TX Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Hardin, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,083
American Family $6,029
GEICO $3,371
Nationwide $5,214
Progressive $5,378
State Farm $3,845
USAA $3,617

Hardin, TX Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Hardin, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,514 $5,795
American Family $5,915 $5,915
GEICO $3,550 $3,687
Nationwide $4,053 $4,053
Progressive $5,282 $5,282
State Farm $3,197 $3,197
USAA $2,754 $2,825

Hardin, TX Cheapest Car Insurance Rates

How do the top Hardin, Texas car insurance companies’ average rates stack up against the Hardin average monthly car insurance rates of $363? Take a look and see.

Best Annual Car Insurance Rates by Company in Hardin, Texas

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

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Hardin, TX Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Hardin, Texas

Insurance Company Average Annual Rates
Allstate $5,654
American Family $5,915
GEICO $3,619
Nationwide $4,053
Progressive $5,282
State Farm $3,197
USAA $2,790

Other Factors Affecting Hardin, TX Car Insurance Rates

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

Hardin, TX Commute Time

How does your Hardin, TX commute time compare with the average driver? In Hardin, the average commute is 34.6 minutes.

Hardin, TX Car Insurance Quotes

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