A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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 Stephenville for teen drivers is USAA
  • The cheapest car insurance company in Stephenville after a DUI is GEICO
  • The annual number of car thefts in Stephenville is 24.

Average car insurance rates in Stephenville, Texas are $291 a month. But with a little research you can get a great deal from the top car insurance companies in Stephenville, TX. Before you buy Stephenville, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

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

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

Stephenville, TX Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Stephenville, Texas

Insurance Company Low Medium High
Allstate $4,946 $5,020 $5,226
American Family $3,583 $3,703 $4,230
GEICO $2,699 $2,802 $2,987
Nationwide $4,158 $3,673 $3,687
Progressive $3,916 $4,083 $4,310
State Farm $2,469 $2,584 $2,718
USAA $2,141 $2,199 $2,279

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Stephenville, 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 $3,290 $3,320 $3,248 $3,248 $8,656 $10,447 $4,065 $4,238
American Family $2,348 $2,604 $2,184 $2,491 $6,048 $7,910 $3,333 $3,791
GEICO $2,129 $2,279 $2,026 $2,269 $4,569 $4,752 $2,301 $2,310
Nationwide $2,407 $2,452 $2,122 $2,252 $6,818 $8,775 $2,825 $3,061
Progressive $2,230 $2,126 $1,977 $2,020 $9,052 $10,093 $2,638 $2,684
State Farm $1,829 $1,829 $1,624 $1,624 $4,307 $5,479 $1,983 $2,049
USAA $1,425 $1,441 $1,355 $1,354 $3,881 $4,251 $1,896 $2,050

Stephenville, TX Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Stephenville, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,656 $10,447
American Family $6,048 $7,910
GEICO $4,569 $4,752
Nationwide $6,818 $8,775
Progressive $9,052 $10,093
State Farm $4,307 $5,479
USAA $3,881 $4,251

Stephenville, TX Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Stephenville, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,248 $3,248
American Family $2,184 $2,491
GEICO $2,026 $2,269
Nationwide $2,122 $2,252
Progressive $1,977 $2,020
State Farm $1,624 $1,624
USAA $1,355 $1,354

Stephenville, TX Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Stephenville, Texas

Insurance Company Poor Fair Good
Allstate $6,434 $4,719 $4,039
American Family $5,291 $3,321 $2,903
GEICO $4,351 $2,476 $1,661
Nationwide $4,611 $3,696 $3,211
Progressive $4,634 $3,986 $3,687
State Farm $3,669 $2,283 $1,819
USAA $3,258 $1,865 $1,496

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Stephenville, TX Car Insurance Rates by Driver History

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

Annual Stephenville, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,941 $6,053 $6,322 $3,941
American Family $3,506 $4,440 $3,902 $3,506
GEICO $2,405 $3,151 $2,667 $3,095
Nationwide $3,325 $3,325 $4,945 $3,761
Progressive $3,584 $4,606 $4,186 $4,035
State Farm $2,310 $2,639 $3,103 $2,310
USAA $1,655 $2,422 $2,849 $1,899

Stephenville, TX Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Stephenville, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,322
American Family $3,902
GEICO $2,667
Nationwide $4,945
Progressive $4,186
State Farm $3,103
USAA $2,849

Stephenville, TX Car Insurance Rates by ZIP Code

Just like Stephenville car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Stephenville, TX car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Stephenville, Texas

ZIP Code Average Annual Rates
76401 $5,077
76402 $5,255

Stephenville, TX Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Stephenville, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,945 $5,183
American Family $3,839 $3,839
GEICO $2,776 $2,883
Nationwide $3,839 $3,839
Progressive $4,103 $4,103
State Farm $2,590 $2,590
USAA $2,178 $2,234

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Stephenville, TX Cheapest Car Insurance Rates

How do the top Stephenville, Texas car insurance companies’ average rates stack up against the Stephenville average monthly car insurance rates of $291? Take a look and see.

Best Annual Car Insurance Rates by Company in Stephenville, Texas

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

Stephenville, TX Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Stephenville, Texas

Insurance Company Average Annual Rates
Allstate $5,064
American Family $3,839
GEICO $2,829
Nationwide $3,839
Progressive $4,103
State Farm $2,591
USAA $2,206

Other Factors Affecting Stephenville, TX Car Insurance Rates

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

Stephenville, TX Car Theft Rates

The car theft rate in Stephenville, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Stephenville, Texas is 24 stolen cars.

Stephenville, TX Commute Time

How does your Stephenville, TX commute time compare with the average driver? In Stephenville, the average commute is 14.6 minutes.

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Stephenville, TX Car Insurance Quotes

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