Affordable Car Insurance Rates in Hempstead, TX (2021)
Car insurance rates in Hempstead, TX are $344/month on average. By law, Texas drivers need to carry at least 30/60/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Hempstead car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 13, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.