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 Hempstead is 7.
  • Average car insurance rates in Hempstead, TX for senior drivers are $2,498/year
  • The cheapest car insurance company in Hempstead for teen drivers is USAA

Average car insurance rates in Hempstead, Texas are $344 a month. But with a little research you can get a great deal from the top car insurance companies in Hempstead, TX. Before you buy Hempstead, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

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

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

Hempstead, TX Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Hempstead, Texas

Insurance Company Low Medium High
Allstate $5,294 $5,371 $5,587
American Family $5,270 $5,477 $6,452
GEICO $3,282 $3,436 $3,750
Nationwide $4,245 $3,778 $3,818
Progressive $4,247 $4,469 $4,760
State Farm $2,856 $3,003 $3,178
USAA $2,677 $2,762 $2,882

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hempstead, 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 $3,502 $3,530 $3,456 $3,456 $9,317 $11,238 $4,331 $4,508
American Family $3,295 $3,708 $3,146 $3,644 $9,405 $12,234 $4,874 $5,558
GEICO $2,575 $2,796 $2,509 $2,874 $5,700 $5,909 $2,787 $2,765
Nationwide $2,461 $2,500 $2,175 $2,300 $7,060 $9,049 $2,900 $3,134
Progressive $2,392 $2,262 $2,133 $2,172 $10,072 $11,231 $2,823 $2,851
State Farm $2,115 $2,115 $1,879 $1,879 $5,035 $6,410 $2,297 $2,367
USAA $1,759 $1,768 $1,682 $1,668 $5,002 $5,441 $2,352 $2,518

Hempstead, TX Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Hempstead, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,317 $11,238
American Family $9,405 $12,234
GEICO $5,700 $5,909
Nationwide $7,060 $9,049
Progressive $10,072 $11,231
State Farm $5,035 $6,410
USAA $5,002 $5,441

Hempstead, TX Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Hempstead, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,456 $3,456
American Family $3,146 $3,644
GEICO $2,509 $2,874
Nationwide $2,175 $2,300
Progressive $2,133 $2,172
State Farm $1,879 $1,879
USAA $1,682 $1,668

Hempstead, TX Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Hempstead, Texas

Insurance Company Poor Fair Good
Allstate $6,881 $5,048 $4,323
American Family $7,762 $5,046 $4,391
GEICO $5,394 $3,047 $2,028
Nationwide $4,736 $3,805 $3,302
Progressive $5,052 $4,371 $4,052
State Farm $4,269 $2,654 $2,113
USAA $4,073 $2,355 $1,894

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Hempstead, TX Car Insurance Rates by Driver History

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

Annual Hempstead, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,193 $6,497 $6,786 $4,193
American Family $5,198 $6,692 $5,845 $5,198
GEICO $2,960 $3,930 $3,255 $3,813
Nationwide $3,426 $3,426 $5,071 $3,868
Progressive $3,916 $5,075 $4,573 $4,404
State Farm $2,679 $3,069 $3,621 $2,679
USAA $2,062 $3,053 $3,612 $2,368

Hempstead, TX Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Hempstead, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,786
American Family $5,845
GEICO $3,255
Nationwide $5,071
Progressive $4,573
State Farm $3,621
USAA $3,612

Hempstead, TX Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Hempstead, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,286 $5,548
American Family $5,733 $5,733
GEICO $3,424 $3,555
Nationwide $3,947 $3,947
Progressive $4,492 $4,492
State Farm $3,012 $3,012
USAA $2,739 $2,809

Hempstead, TX Cheapest Car Insurance Rates

How do the top Hempstead, Texas car insurance companies’ average rates stack up against the Hempstead average monthly car insurance rates of $344? Take a look and see.

Best Annual Car Insurance Rates by Company in Hempstead, 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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Hempstead, TX Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Hempstead, Texas

Insurance Company Average Annual Rates
Allstate $5,417
American Family $5,733
GEICO $3,489
Nationwide $3,947
Progressive $4,492
State Farm $3,012
USAA $2,774

Other Factors Affecting Hempstead, TX Car Insurance Rates

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

Hempstead, TX Car Theft Rates

The car theft rate in Hempstead, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Hempstead, Texas is 7 stolen cars.

Hempstead, TX Commute Time

How does your Hempstead, TX commute time compare with the average driver? In Hempstead, the average commute is 28.0 minutes.

Hempstead, TX Traffic

Spending time in Hempstead traffic can lead to higher car insurance rates. According to INRIX data, Hempstead, TX ranks as the 169th-most congested with traffic in the world.

Hempstead, TX Car Insurance Quotes

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