Cheapest Auto Insurance in Galveston, Texas (2024)
State Farm has the cheapest car insurance in Galveston, starting at $37 per month.
Excellent
)
Written byAngela Brown
)
17+ years in insurance and personal finance writing
In-depth knowledge of home and real estate topics
Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.
Featured in
){kind=small}
){kind=small}
){kind=small}
)
Edited byDanny Smith
)
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
){kind=small}
Updated October 30, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Finding cheap car insurance can go a long way toward maximizing every dollar in your budget. Drivers in Galveston pay an overall average of $184 monthly for auto coverage. This is about the same as the statewide average of $182 in Texas but somewhat higher than the national overall average of $158 per month. These higher rates in Texas may be a result of frequent high-risk weather events and the large population of the state.
You have plenty of insurance options to choose from in Galveston, so you’ll want to take the time to compare coverages and quotes from as many companies as possible. Here’s what you need to know about buying car insurance in Galveston.
Quick Facts
State Farm, GEICO, and Allstate are the cheapest car insurance companies in Galveston.
High-risk drivers can participate in the Texas Automobile Insurance Plan Association (TAIPA) if they can’t find insurance.
Drivers in Galveston pay $126 per month for liability coverage and $243 for full coverage, on average.
3 of the cheapest car insurance companies in Galveston
Galveston drivers looking for affordable auto insurance should consider more than just the policy cost when shopping around. While a lower premium quote can help you save money each month, you want to ensure adequate coverage if you need to file a claim.
The companies below offer affordable coverage in Galveston, but they may not be the best options for your insurance needs and financial situation. You should always compare quotes from multiple insurance companies before buying a policy. The average rates in the table below are for Texas overall.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $67 | $37 | Cheap rates |
| GEICO | 9.0 | $73 | $40 | Coverage options |
| Allstate | 8.9 | $94 | $52 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $37/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $65/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm insures more than 9% of car insurance policyholders in the U.S. and Canada, making it North America’s largest auto insurance company. It’s also financially sound, with an AM Best financial strength rating of A++ (Superior). It offers cheap rates to Galveston drivers, along with various coverages and discounts.
Pros
Bundling discounts available, including for life and auto
Coverage choices for rideshare drivers, car rental, and travel expenses
Cons
Limited customer service options outside of mobile app
Gap insurance not available
Best insurer for coverage options: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $71/mo |
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO first opened its doors as the Government Employees Insurance Company, providing government workers and military personnel with auto insurance. Today, it offers a range of insurance products — from homeowners to auto, flood, and life insurance — to millions of Americans. AM Best gives GEICO an A++ (Superior) rating for financial strength.
Pros
Affordable rates for good drivers, young drivers, and seniors
Offers an accident forgiveness program
Cons
Higher-than-average rates for drivers with violations
Rideshare coverage not available
Best insurer for discounts: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $92/mo |
4.0
Best choiceBased on 5531 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,016)
Howard
October 29, 2024
Verified Review
They Have You By The Short Hairs
I was on a three-lane highway in heavy traffic and couldn't avoid a piece of metal in my lane. I couldn't swerve or I would have hit other cars. Allstate said the accident was the driver's fault and then doubled my insurance cost.
Hugh
October 29, 2024
Verified Review
Actual Crash Damages vs. Damages Quoted Over the Phone
There were problems getting the correct amount paid out when I made a claim. I had to escalate the issue to the Senior Vice President to get a proper settlement when a deer hit my truck. There was a $5000 difference between what was paid out when the estimator assessed the value of damage to my truck and the actual estimate done by a local car dealership. The Senior Vice President agreed that the amount of damage done was the amount quoted by the local car dealership.
Miriam
October 29, 2024
Verified Review
Best Overall
Check around before choosing. Allstate has been my choice for years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate is the oldest mutual insurer offering car insurance in the United States. Allstate first opened its doors in 1907. Today, it provides various insurance products, including auto, homeowners, personal liability, and marine insurance. AM Best gave it an A+ (Superior) financial strength rating.
Pros
Offers pay-per-mile coverage
Established company with superior ratings from AM Best
Cons
Poor customer satisfaction
Average rates compared to other insurance companies
How to get the cheapest car insurance in Galveston
Getting the cheapest car insurance rates in Galveston takes a little work and knowledge about how car insurance companies set rates. Insurers look at many factors when determining the cost of their policies, such as driver history, age, credit score, and ZIP code.
While some of these factors are out of your control, you can do a few things to qualify for the cheapest car insurance in Galveston:
Bundle your home and auto policies. Many insurance companies offer various insurance products. Bundle your homeowners insurance (or renters insurance) and auto policy to secure a discounted rate. You may also be able to bundle insurance for your motorcycle or boat.
Compare quotes from multiple insurance companies. One of the easiest ways to get the lowest cost for car insurance is to compare rates and coverage options from at least three insurance companies. Don’t just look at the total cost; also consider each company’s coverages and perks.
Look for discounts through local programs. If you belong to the AARP or you’re currently enrolled in school, you may qualify for discounts on your auto policy. You can also check with your employer to see if it offers discounted rates with a specific company.
Improve your credit score. Auto insurance companies can use your credit score to help determine what you pay for your policy. Improving your credit score could help you qualify for cheaper car insurance.
Enroll in a safe driving program. Talk to your insurance agent about whether your insurer offers safe driving discounts. Teens can take a course online that could qualify them for a discount.
Cheapest liability-only car insurance in Galveston: State Farm
Drivers looking for the cheapest car insurance rates in the state may want to consider liability-only car insurance. Liability policies cover personal property and injury for other parties involved in an accident but not damages to your vehicle or injuries to people in your vehicle. Liability-only policies in Galveston cost $126 per month, on average.
While the cheapest rate for liability insurance in Galveston is $37 per month, certain groups pay more for liability coverage. For example, the cheapest liability-only coverage for Galveston teens is $64. The table below provides insight into liability-only quotes from top insurers in Galveston.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $37 |
| GEICO | $40 |
| Allstate | $53 |
| Mile Auto | $55 |
| Hugo | $58 |
| USAA | $66 |
| Nationwide | $83 |
| Mercury | $85 |
| Safeco | $86 |
| Midvale Home & Auto | $96 |
| Progressive | $97 |
| Dairyland | $103 |
| Chubb | $112 |
| Clearcover | $112 |
| National General | $119 |
| 21st Century | $129 |
| Elephant | $130 |
| Direct Auto | $131 |
| Commonwealth Casualty | $135 |
| Liberty Mutual | $135 |
| The General | $138 |
| Bristol West | $149 |
| GAINSCO | $157 |
| State Auto | $172 |
| AssuranceAmerica | $174 |
| Infinity | $194 |
| Hallmark | $195 |
| Foremost | $219 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Galveston: State Farm
Texas drivers who have a loan or can’t afford to pay out of pocket for repairs or injuries should consider full-coverage car insurance. It’s more expensive than liability coverage, but it offers more protection. In addition to covering expenses for other parties in an accident, full coverage also protects you, your passengers, and your vehicle.
The average rate for full-coverage car insurance in Galveston is $243 per month. The following table shows average full-coverage quotes from insurers serving Galveston.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $65 |
| GEICO | $71 |
| Allstate | $92 |
| Mile Auto | $113 |
| USAA | $115 |
| Clearcover | $141 |
| Mercury | $141 |
| Hugo | $143 |
| Nationwide | $165 |
| Progressive | $171 |
| Safeco | $172 |
| Midvale Home & Auto | $178 |
| Chubb | $196 |
| Elephant | $220 |
| 21st Century | $227 |
| AssuranceAmerica | $234 |
| National General | $258 |
| Direct Auto | $266 |
| Dairyland | $269 |
| Liberty Mutual | $276 |
| The General | $294 |
| Bristol West | $309 |
| Infinity | $311 |
| State Auto | $333 |
| GAINSCO | $345 |
| Commonwealth Casualty | $361 |
| Foremost | $458 |
| Hallmark | $460 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Galveston, Texas
Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $59/mo for full coverage in Galveston and other Texas cities.
*Quotes generated for Insurify users in and around Galveston, Texas within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Galveston, Texas within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
Drivers in Texas are required to show proof that they can pay for injuries and damages as a result of an at-fault accident. Most drivers do this by purchasing a liability policy since the state requires drivers to carry car insurance.
Texas is an at-fault state, meaning the driver responsible for the car accident will pay for injuries and damages resulting from the incident. Law enforcement officers can determine whether more than one party is at fault in an accident. In most cases, one driver will be deemed more responsible. Texas drivers must carry the following limits to drive legally:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person $60,000 per accident |
| Property damage liability | $25,000 per accident |
You only need to carry liability coverage to drive legally, but it can be a good idea to carry additional coverage, especially if you drive frequently. Some common coverage options to consider include:
Collision insurance
Collision insurance pays for damages to your vehicle after an accident or a collision with another object.
Comprehensive insurance
Comprehensive insurance covers damages to your vehicle resulting from a non-collision incident, such as theft, fire, storm, or vandalism.
Medical payments coverage
Medical payments covers you and any passenger’s medical expenses from injuries in an accident. Additionally, you’re protected while riding in someone else’s vehicle and walking down the street.
Personal injury protection
Personal injury protection pays for lost wages and non-medical costs.
Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage provides extra protection for you and your property if you’re involved in an accident with an uninsured or underinsured driver.
Towing and labor coverage
Your insurance company will pay to tow your vehicle and labor for a flat tire or jump-start.
Rental reimbursement coverage
Rental reimbursement coverage pays for a rental car if yours is stolen or getting repaired following an accident.
Texas Automobile Insurance Plan Association (TAIPA)
In Texas, drivers deemed “high risk” may be able to secure insurance through the Texas Automobile Insurance Plan Association (TAIPA). To qualify, drivers must have a valid driver’s license and request an SR-22. In addition, drivers must be residents of Texas and show proof of coverage rejection from at least two companies within the previous 60 days.
TAIPA provides the minimum liability coverage required by Texas state law. Drivers may only obtain an annual policy on TAIPA and are required to pay a $5 annual fee.[1]
Cheapest car insurance for drivers with an incident
Insurance companies often consider drivers with incidents on their driving record as higher-risk drivers. Insurance companies typically look at incidents like at-fault accents, DUIs, speeding tickets, and other moving violations when setting premiums.
Drivers can expect to pay higher rates if they have incidents on their records. In Galveston, the average full-coverage rate for drivers with traffic violations is $317 per month.
Drivers with more serious traffic violations (like DUIs) may be required to secure an SR-22 policy to obtain coverage. The rate of increase will vary based on the insurance company and the type of incident on your record.
Find Cheap Car Insurance After a Speeding Ticket
Galveston drivers can find rates as low as $47
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets may increase your insurance rate based on the number of offenses and the severity of the incidents. Insurance companies consider speeding risky driving behavior and increase your rates to account for that risk.
Galveston drivers with a speeding ticket face an average monthly cost of $173 for liability-only coverage and $334 per month for full coverage. Below are the cheapest car insurance companies for drivers in Galveston with speeding tickets.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $37 | $47 |
| GEICO | $40 | $51 |
| Allstate | $53 | $68 |
| Mile Auto | $55 | $72 |
| Hugo | $58 | $73 |
| USAA | $66 | $84 |
| Nationwide | $83 | $107 |
| Mercury | $85 | $117 |
| Safeco | $86 | $111 |
| Progressive | $97 | $124 |
| Dairyland | $103 | $132 |
| Chubb | $112 | $145 |
| Clearcover | $112 | $145 |
| National General | $119 | $153 |
| 21st Century | $129 | $171 |
| Elephant | $130 | $180 |
| Direct Auto | $131 | $167 |
| Commonwealth Casualty | $135 | $187 |
| Liberty Mutual | $135 | $187 |
| The General | $138 | $179 |
| Bristol West | $149 | $191 |
| GAINSCO | $157 | $217 |
| State Auto | $172 | $239 |
| AssuranceAmerica | $174 | $225 |
| Infinity | $194 | $258 |
| Foremost | $219 | $303 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
At-fault accidents may have a significant effect on your driving record and the cost of your auto insurance policy. At-fault auto accidents indicate to insurance companies that you engage in risky driving behaviors, which presents a financial risk for them.
If you have at-fault accidents on your record, you may see an increase in the cost of your insurance premium. In Galveston, drivers with at-fault accidents average $184 per month for liability-only auto insurance and $354 per month for full coverage.
Insurance companies also consider the factors that led to the accident (speed, alcohol, etc.). Below are the cheapest car insurance companies for drivers with at-fault accidents in Galveston.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $37 | $50 |
| GEICO | $40 | $54 |
| Allstate | $53 | $72 |
| Mile Auto | $55 | $78 |
| Hugo | $58 | $84 |
| USAA | $66 | $90 |
| Nationwide | $83 | $114 |
| Mercury | $85 | $123 |
| Safeco | $86 | $114 |
| Progressive | $97 | $133 |
| Dairyland | $103 | $139 |
| Chubb | $112 | $153 |
| Clearcover | $112 | $163 |
| National General | $119 | $163 |
| 21st Century | $129 | $180 |
| Elephant | $130 | $173 |
| Direct Auto | $131 | $181 |
| Commonwealth Casualty | $135 | $179 |
| Liberty Mutual | $135 | $196 |
| The General | $138 | $190 |
| Bristol West | $149 | $201 |
| GAINSCO | $157 | $204 |
| State Auto | $172 | $256 |
| AssuranceAmerica | $174 | $235 |
| Infinity | $194 | $259 |
| Foremost | $219 | $318 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Drivers with DUIs will find it more difficult to obtain cheap coverage than other drivers. Texas doesn’t add points to your driving record if you’re caught driving while intoxicated — instead, it attaches a conviction-based surcharge to your license.
Drivers convicted of a DUI must pay this surcharge for three years. In addition, drivers with a DUI conviction may be required to obtain an SR-22 policy.[2] The average monthly cost of car insurance with a DUI in Galveston is $209 for liability only and $403 for full coverage. Below are the cheapest car insurance companies for drivers in Galveston with DUIs.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $37 | $61 |
| GEICO | $40 | $66 |
| Allstate | $53 | $88 |
| Mile Auto | $55 | $91 |
| Hugo | $58 | $96 |
| USAA | $66 | $109 |
| Nationwide | $83 | $137 |
| Mercury | $85 | $129 |
| Safeco | $86 | $142 |
| Progressive | $97 | $160 |
| Dairyland | $103 | $170 |
| Chubb | $112 | $185 |
| Clearcover | $112 | $185 |
| National General | $119 | $197 |
| 21st Century | $129 | $213 |
| Elephant | $130 | $215 |
| Direct Auto | $131 | $217 |
| Commonwealth Casualty | $135 | $223 |
| Liberty Mutual | $135 | $223 |
| The General | $138 | $228 |
| Bristol West | $149 | $246 |
| GAINSCO | $157 | $260 |
| State Auto | $172 | $284 |
| AssuranceAmerica | $174 | $288 |
| Infinity | $194 | $321 |
| Foremost | $219 | $362 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Drivers older than 55 may get a senior discount, as insurance companies view them as more courteous and cautious.[3] However, once drivers turn 70, their rate of incidents increases — drivers older than 70 have a higher crash death rate than middle-aged drivers.
Common factors that lead to accidents in older drivers include vision problems, medication side effects, and other medical conditions. The average cost of car insurance for senior drivers in Galveston is $190 per month for full coverage and $98 for liability only. Below are the cheapest car insurance companies for senior drivers in Galveston.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $28 | $49 |
| GEICO | $31 | $55 |
| Mile Auto | $40 | $83 |
| Allstate | $41 | $72 |
| Hugo | $45 | $110 |
| USAA | $51 | $89 |
| Nationwide | $60 | $120 |
| Mercury | $64 | $106 |
| Progressive | $67 | $119 |
| Safeco | $70 | $141 |
| Chubb | $79 | $139 |
| Dairyland | $80 | $209 |
| National General | $89 | $193 |
| Clearcover | $91 | $114 |
| 21st Century | $93 | $164 |
| Direct Auto | $99 | $202 |
| Elephant | $103 | $174 |
| Commonwealth Casualty | $105 | $280 |
| The General | $109 | $233 |
| Liberty Mutual | $110 | $224 |
| Bristol West | $116 | $241 |
| State Auto | $127 | $246 |
| AssuranceAmerica | $128 | $172 |
| GAINSCO | $128 | $282 |
| Infinity | $143 | $229 |
| Foremost | $169 | $354 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenagers’ lack of experience on the road is something that insurance companies weigh heavily when determining premiums. Because of this higher risk, teen drivers typically pay higher insurance rates than any other age group.
Teen drivers can save money on the cost of their insurance by staying on their parents’ policy, driving in a safer vehicle, and applying for good student discounts. On average, teen drivers in Galveston pay $228 per month for liability-only coverage and $439 for full coverage. Below are the cheapest car insurance companies for teenage drivers in Galveston.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $64 | $113 |
| GEICO | $65 | $115 |
| Allstate | $95 | $165 |
| Hugo | $97 | $238 |
| Mile Auto | $108 | $223 |
| USAA | $112 | $195 |
| Nationwide | $146 | $290 |
| Mercury | $155 | $258 |
| Dairyland | $172 | $450 |
| Safeco | $174 | $349 |
| Progressive | $176 | $310 |
| Chubb | $214 | $375 |
| Elephant | $216 | $366 |
| Clearcover | $218 | $275 |
| 21st Century | $221 | $390 |
| The General | $224 | $478 |
| National General | $238 | $516 |
| Commonwealth Casualty | $240 | $643 |
| Direct Auto | $242 | $492 |
| Liberty Mutual | $243 | $497 |
| Bristol West | $257 | $532 |
| GAINSCO | $279 | $613 |
| State Auto | $311 | $602 |
| AssuranceAmerica | $326 | $438 |
| Infinity | $359 | $575 |
| Foremost | $396 | $828 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Galveston
Comparing rates can save you up to $852 annually
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Galveston car insurance quotes by credit tier
Texas allows insurance companies to use your credit history as a factor when setting your premium, but they can’t use it as the sole reason to deny you coverage or not renew your policy. Insurance companies must also disclose when they use your credit history.[4]
Your credit indicates to an insurer if you’re likely to be a risky driver or likely to file claims. Drivers with good credit will likely qualify for cheaper insurance, while drivers with poor credit may have to pay more.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Galveston?
Drivers in Galveston pay an average of $184 per month for car insurance, which is about the same as the Texas state average of $182 and higher than the national average of $158. Galveston drivers also pay slightly more for auto insurance than drivers in most other cities in the state.
The cost of insurance can vary between cities. In addition to competition, population density and the number of cars in a city can affect insurance rates. Traffic incidents are higher in urban areas, so insurance companies will likely charge more for drivers in busy cities.
More cities in Texas
Many cities in Texas are about the same as or less expensive than Galveston for auto insurance, but Houston and Dallas have higher rates. The table below shows the average car insurance quotes in other major Texas cities.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Amarillo | $106 | $249 |
| Arlington | $127 | $255 |
| Austin | $129 | $243 |
| Corpus Christi | $124 | $228 |
| Dallas | $135 | $284 |
| El Paso | $93 | $215 |
| Fort Worth | $121 | $245 |
| Houston | $170 | $324 |
| Lubbock | $106 | $234 |
| San Antonio | $123 | $245 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Galveston car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Galveston.
How much is car insurance in Galveston?
Car insurance in Galveston costs $184 per month, on average. Drivers pay an average of $243 per month for full-coverage insurance and $126 per month for liability-only coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.
Which car insurance companies in Galveston are the cheapest?
State Farm has the cheapest car insurance in Galveston, with liability rates averaging $37 per month. You can also find low rates with GEICO and Allstate, which have liability-only rates of $40 and $53 per month, respectively.
What are the best car insurance companies in Galveston?
State Farm is the best car insurance company in Galveston, with an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Galveston choices include GEICO and Allstate.
How much is car insurance per month in Texas?
The overall average cost of car insurance in Texas is $182 per month. Drivers pay an average of $119 per month for liability coverage and $245 per month for full coverage.
Can you avoid paying for car insurance in Texas?
No. You can’t avoid paying for car insurance in Texas. All drivers must carry a minimum of $30,000 per person and $60,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Texas
Sources
- Texas Automobile Insurance Plan Association. "Home."
- Texas Department of Public Safety. "Alcohol-Related Offenses."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Texas Department of Insurance. "Credit Scoring and Insurance."
)
Angela Brown
Angela Brown is a freelance writer with 17 years of professional writing and editing experience.
She specializes in finance, real estate, and insurance content. Angela uses her experience to
create easy-to-understand content that helps consumers understand tough topics better. When
she’s not working, she enjoys spending time with her family and planning vacations.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
)
)
)
)
)