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 cheapest car insurance company in Melissa for teen drivers is USAA
  • Average car insurance rates in Melissa, TX for senior drivers are $2,387/year
  • Average car insurance rates in Melissa, TX are $331/month

Average car insurance rates in Melissa, Texas are $331 a month. But with a little research you can get a great deal from the top car insurance companies in Melissa, TX. Before you buy Melissa, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

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

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

Melissa, TX Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Melissa, Texas

Insurance Company Low Medium High
Allstate $5,254 $5,333 $5,556
American Family $4,285 $4,432 $5,129
GEICO $3,320 $3,457 $3,718
Nationwide $4,014 $3,556 $3,573
Progressive $4,628 $4,820 $5,063
State Farm $3,027 $3,194 $3,382
USAA $2,458 $2,536 $2,645

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Melissa, 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 $3,459 $3,476 $3,411 $3,411 $9,347 $11,244 $4,271 $4,429
American Family $2,710 $3,033 $2,571 $2,960 $7,472 $9,730 $3,949 $4,497
GEICO $2,571 $2,786 $2,487 $2,831 $5,736 $5,990 $2,792 $2,796
Nationwide $2,304 $2,341 $2,035 $2,152 $6,671 $8,551 $2,720 $2,941
Progressive $2,537 $2,422 $2,264 $2,301 $10,871 $12,174 $3,031 $3,096
State Farm $2,199 $2,199 $1,966 $1,966 $5,440 $6,963 $2,403 $2,472
USAA $1,609 $1,609 $1,541 $1,518 $4,641 $5,029 $2,143 $2,279

Melissa, TX Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Melissa, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,347 $11,244
American Family $7,472 $9,730
GEICO $5,736 $5,990
Nationwide $6,671 $8,551
Progressive $10,871 $12,174
State Farm $5,440 $6,963
USAA $4,641 $5,029

Melissa, TX Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Melissa, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,411 $3,411
American Family $2,571 $2,960
GEICO $2,487 $2,831
Nationwide $2,035 $2,152
Progressive $2,264 $2,301
State Farm $1,966 $1,966
USAA $1,541 $1,518

Melissa, TX Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Melissa, Texas

Insurance Company Poor Fair Good
Allstate $6,826 $5,016 $4,302
American Family $6,289 $4,042 $3,515
GEICO $5,408 $3,055 $2,033
Nationwide $4,448 $3,583 $3,112
Progressive $5,433 $4,709 $4,368
State Farm $4,532 $2,822 $2,249
USAA $3,729 $2,165 $1,744

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Melissa, TX Car Insurance Rates by Driver History

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

Annual Melissa, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,125 $6,489 $6,784 $4,125
American Family $4,187 $5,384 $4,703 $4,187
GEICO $2,968 $3,947 $3,264 $3,816
Nationwide $3,222 $3,222 $4,775 $3,639
Progressive $4,213 $5,466 $4,923 $4,746
State Farm $2,826 $3,265 $3,887 $2,826
USAA $1,890 $2,804 $3,321 $2,169

Melissa, TX Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Melissa, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,784
American Family $4,703
GEICO $3,264
Nationwide $4,775
Progressive $4,923
State Farm $3,887
USAA $3,321

Melissa, TX Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Melissa, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,245 $5,517
American Family $4,615 $4,615
GEICO $3,435 $3,562
Nationwide $3,714 $3,714
Progressive $4,837 $4,837
State Farm $3,201 $3,201
USAA $2,514 $2,578

Melissa, TX Cheapest Car Insurance Rates

How do the top Melissa, Texas car insurance companies’ average rates stack up against the Melissa average monthly car insurance rates of $331? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Melissa, Texas

Insurance Company Average Annual Rates
Allstate $5,381
American Family $4,615
GEICO $3,499
Nationwide $3,714
Progressive $4,837
State Farm $3,201
USAA $2,546

Other Factors Affecting Melissa, TX Car Insurance Rates

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

Melissa, TX Commute Time

How does your Melissa, TX commute time compare with the average driver? In Melissa, the average commute is 30.4 minutes.

Melissa, TX Car Insurance Quotes

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