Cheapest Car Insurance In Wichita Falls, TX 2025
At an average of $24 per month, Texas Farm Bureau delivers the lowest-cost minimum coverage car insurance in Wichita Falls.
We’ve saved shoppers an average of $600 per year on their car insurance.
Shopping around for affordable car insurance in Wichita Falls, TX, can show you just how much prices differ.
If you’re looking for the cheapest liability-only policy, Texas Farm Bureau is the top pick. Texas Farm Bureau once again offers the best deal on full coverage, and young drivers can save the most with Texas Farm Bureau.
Cheapest Car Insurance In Wichita Falls, TX
Cheapest Liability-only Car Insurance In Wichita Falls: Texas Farm Bureau
At $24 per month on average, Texas Farm Bureau provides the lowest-cost minimum coverage car insurance in Wichita Falls.
The following table outlines and compares rates from multiple car insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $24 | $288 |
| State Farm | $31 | $372 |
| Mercury | $29 | $348 |
| National General | $44 | $528 |
| Progressive | $40 | $480 |
Cheapest Full Coverage Insurance Rates In Wichita Falls: Texas Farm Bureau
Texas Farm Bureau delivers the most cost-effective full coverage car insurance in Wichita Falls, with typical monthly rates of $56.
This table compares average auto insurance quotes from Wichita Falls most competitively priced insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $56 | $672 |
| Progressive | $93 | $1,116 |
| State Farm | $70 | $840 |
| Allstate | $107 | $1,284 |
| AAA Texas | $95 | $1,140 |
Cheapest Car Insurance Rates For Seniors: State Farm
The cheapest car insurance option for seniors in Wichita Falls is State Farm, with a typical monthly rate of $46.
Here’s a table showing the average quotes from senior-friendly auto insurers offering the lowest rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $46 | $552 |
| AAA Texas | $68 | $816 |
| Allstate | $77 | $924 |
| GEICO | $66 | $792 |
| Progressive | $67 | $804 |
Cheapest Rates In Wichita Falls For Teenagers: Nationwide
The most affordable car insurance quotes for teenage drivers in Wichita Falls come from Nationwide, at an average of $126 per month.
Here’s a table showing the insurance companies with the best rates for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $126 | $1,512 |
| Foremost | $227 | $2,724 |
| State Farm | $129 | $1,548 |
| GEICO | $138 | $1,656 |
| Allstate | $378 | $4,536 |
Cheapest Auto Insurance For Young Adults in Wichita Falls: Texas Farm Bureau
Texas Farm Bureau stands out as the most budget-friendly option for young adult drivers in Wichita Falls, offering an average rate of $48 per month.
Use the following table to check out the most budget-friendly auto insurance rates for young adults in Wichita Falls.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $48 | $576 |
| GEICO | $77 | $924 |
| Progressive | $85 | $1,020 |
| AAA Texas | $87 | $1,044 |
| State Farm | $64 | $768 |
Cheapest Car Insurance In Wichita Falls For Good Drivers: Texas Farm Bureau
Safe drivers in Wichita Falls can find the lowest car insurance rates with Texas Farm Bureau, at approximately $24 per month.
Good drivers can refer to the table below to find the best average insurance rates from affordable providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $24 | $288 |
| State Farm | $31 | $372 |
| Mercury | $29 | $348 |
| National General | $44 | $528 |
| Progressive | $40 | $480 |
Find Affordable Wichita Falls Rates
Cheapest Car Insurance In Wichita Falls After A Speeding Ticket: Texas Farm Bureau
Wichita Falls drivers with a speeding ticket can get one of the lowest insurance rates from Texas Farm Bureau, averaging $55 per month.
You can look at the table below to find out the average cost of car insurance for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $55 | $660 |
| Progressive | $70 | $840 |
| State Farm | $94 | $1,128 |
| GEICO | $100 | $1,200 |
| Mercury | $153 | $1,836 |
Cheapest For Drivers With After At-Fault Accident: Texas Farm Bureau
Texas Farm Bureau has the cheapest insurance rates for drivers responsible for an accident, averaging $86 per month.
Below is a list of insurers that offer the lowest car insurance rates for drivers responsible for an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $86 | $1,032 |
| Progressive | $146 | $1,752 |
| State Farm | $87 | $1,044 |
| Mercury | $207 | $2,484 |
| GEICO | $120 | $1,440 |
Cheapest Rates In Wichita Falls For Drivers After A DUI: Texas Farm Bureau
Texas Farm Bureau is the most cost-effective insurer for Wichita Falls drivers after a DUI, offering average monthly premiums of $98.
If you’ve had a DUI in Wichita Falls, use the table below to find the cheapest available insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $98 | $1,176 |
| Mercury | $131 | $1,572 |
| Progressive | $94 | $1,128 |
| State Farm | $142 | $1,704 |
| National General | $158 | $1,896 |
Best Car Insurance Companies In Wichita Falls
If you’re in Wichita Falls, Texas Farm Bureau provides the most affordable insurance at $24 a month, but Mercury ($29) and State Farm ($31) are also competitively priced.
The chart below ranks the top 10 car insurance companies in Wichita Falls, TX from the lowest to highest average monthly premium.
| Company | Monthly Premium |
| Texas Farm Bureau | $24 |
| State Farm | $31 |
| Mercury | $29 |
| National General | $44 |
| Progressive | $40 |
| AAA | $42 |
| GEICO | $46 |
| Direct Auto | $85 |
| Nationwide | $137 |
| Clearcover | $130 |
Average Auto Insurance Rates In Wichita Falls – By Age
Insurance companies charge higher car insurance rates to younger drivers because of their inexperience and accident risk. Teenagers, for example, can expect to pay an average of $3,424 per year for coverage.
Insurance companies often lower rates for drivers once they turn 25, provided they have a history of safe driving.
Because insurance companies factor in age when assessing risk, drivers in their 50s and early 60s often enjoy the best premium rates.
| Age | Average Yearly Rate |
| Teenagers | $3,424 |
| 20s | $2,184 |
| 30s | $1,241 |
| 40s | $1,458 |
| 50s | $1,203 |
| 60s | $1,147 |
| 70s | $1,133 |
Average Rates In Wichita Falls – By Vehicle
The kind of car you drive influences your insurance premium. New luxury models with advanced features generally cost more to insure than older or standard vehicles.
Find out how much insurance costs for different vehicles in Wichita Falls by checking the table below.
| Vehicle | Average Monthly Rate |
| Honda Civic | $180 |
| Nissan Sentra | $295 |
| Jeep Grand Cherokee | $320 |
| Ford Fusion | $90 |
| Dodge Ram | $200 |
How Much Is Car Insurance In Other Cities in Texas?
Insurance companies assess location risks, meaning drivers in high-crime or high-traffic areas often face more expensive premiums.
Car insurance premiums in Houston average $186 per month, compared to $125 per month for drivers living in Waco.
| City | Average Monthly Rate |
| Waco | $125 |
| Austin | $160 |
| Corpus Christi | $158 |
| Amarillo | $145 |
| Beaumont | $162 |
| Arlington | $170 |
| Houston | $186 |
| El Paso | $155 |
| Dallas | $180 |
| Fort Worth | $167 |
Average Cost Of Auto Insurance In Wichita Falls – By Zip Code
Since crime rates impact insurance costs, each zip code comes with its own set of car insurance rates.
Find out how car insurance costs vary by zip code in Wichita Falls by reviewing the table below.
| City | Average Monthly Rate |
| 76308 | $115 |
| 76301 | $105 |
| 76302 | $130 |
| 76306 | $140 |
| 76309 | $120 |
Find Affordable Wichita Falls Rates
Our Methodology
I’ve put together a comprehensive evaluation of Wichita Falls, TX car insurance providers, factoring in service quality, pricing, coverage options, and online reviews.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Wichita Falls?
In Wichita Falls, Texas Farm Bureau offers the most affordable minimum coverage plans, while Texas Farm Bureau once more has the lowest rates for full coverage, including collision and comprehensive protection.
What is the average cost of car insurance in Wichita Falls?
The average cost of car insurance in Wichita Falls is approximately $120 a month, but your actual rate will depend on factors like where you live and what car you drive.
