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 Royse City after a DUI is USAA
  • The cheapest car insurance company in Royse City for teen drivers is USAA
  • The annual number of car thefts in Royse City is 11.

Average car insurance rates in Royse City, Texas are $326 a month. But with a little research you can get a great deal from the top car insurance companies in Royse City, TX. Before you buy Royse City, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

It may even be helpful to compare Royse City car insurance rates with Dallas car insurance rates, Plano car insurance rates, or Arlington car insurance rates to make sure you’re getting the best Royse City, TX car insurance quotes available.

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

Royse City, TX Minimum Car Insurance Coverage

Royse City, 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 Royse City, 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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Royse City, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Royse City, Texas

Insurance Company Low Medium High
Allstate $5,459 $5,546 $5,789
American Family $3,750 $3,871 $4,403
GEICO $3,557 $3,713 $3,994
Nationwide $4,150 $3,697 $3,734
Progressive $4,032 $4,224 $4,465
State Farm $3,168 $3,345 $3,545
USAA $2,458 $2,536 $2,645

Royse City, TX Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Royse City, 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 $3,628 $3,650 $3,579 $3,579 $9,636 $11,597 $4,470 $4,642
American Family $2,396 $2,665 $2,257 $2,581 $6,401 $8,391 $3,444 $3,930
GEICO $2,764 $2,991 $2,664 $3,038 $6,187 $6,402 $3,001 $2,991
Nationwide $2,399 $2,436 $2,118 $2,241 $6,919 $8,878 $2,831 $3,062
Progressive $2,220 $2,109 $1,995 $2,024 $9,581 $10,689 $2,634 $2,668
State Farm $2,295 $2,295 $2,054 $2,054 $5,714 $7,319 $2,510 $2,582
USAA $1,609 $1,609 $1,541 $1,518 $4,641 $5,029 $2,143 $2,279

Royse City, TX Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Royse City, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,636 $11,597
American Family $6,401 $8,391
GEICO $6,187 $6,402
Nationwide $6,919 $8,878
Progressive $9,581 $10,689
State Farm $5,714 $7,319
USAA $4,641 $5,029

Royse City, TX Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Royse City, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,579 $3,579
American Family $2,257 $2,581
GEICO $2,664 $3,038
Nationwide $2,118 $2,241
Progressive $1,995 $2,024
State Farm $2,054 $2,054
USAA $1,541 $1,518

Royse City, TX Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Royse City, Texas

Insurance Company Poor Fair Good
Allstate $7,105 $5,216 $4,472
American Family $5,509 $3,475 $3,040
GEICO $5,813 $3,277 $2,175
Nationwide $4,624 $3,722 $3,235
Progressive $4,745 $4,133 $3,842
State Farm $4,748 $2,956 $2,355
USAA $3,729 $2,165 $1,744

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Royse City, TX Car Insurance Rates by Driver History

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

Annual Royse City, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,321 $6,727 $7,022 $4,321
American Family $3,648 $4,657 $4,079 $3,648
GEICO $3,181 $4,230 $3,508 $4,101
Nationwide $3,346 $3,346 $4,968 $3,782
Progressive $3,698 $4,801 $4,305 $4,156
State Farm $2,956 $3,421 $4,078 $2,956
USAA $1,890 $2,804 $3,321 $2,169

Royse City, TX Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Royse City, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,022
American Family $4,079
GEICO $3,508
Nationwide $4,968
Progressive $4,305
State Farm $4,078
USAA $3,321

Royse City, TX Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Royse City, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,458 $5,738
American Family $4,008 $4,008
GEICO $3,686 $3,823
Nationwide $3,860 $3,860
Progressive $4,240 $4,240
State Farm $3,353 $3,353
USAA $2,514 $2,578

Royse City, TX Cheapest Car Insurance Rates

How do the top Royse City, Texas car insurance companies’ average rates stack up against the Royse City average monthly car insurance rates of $326? Take a look and see.

Best Annual Car Insurance Rates by Company in Royse City, Texas

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

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Royse City, TX Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Royse City, Texas

Insurance Company Average Annual Rates
Allstate $5,598
American Family $4,008
GEICO $3,755
Nationwide $3,860
Progressive $4,240
State Farm $3,353
USAA $2,546

Other Factors Affecting Royse City, TX Car Insurance Rates

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

Royse City, TX Car Theft Rates

The car theft rate in Royse City, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Royse City, Texas is 11 stolen cars.

Royse City, TX Commute Time

How does your Royse City, TX commute time compare with the average driver? In Royse City, the average commute is 36.3 minutes.

Royse City, TX Car Insurance Quotes

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