Cheapest Car Insurance In Baytown, TX 2025
Texas Farm Bureau offers the most affordable minimum coverage car insurance in Baytown, with an average monthly cost of just $30.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Baytown, TX, can be challenging, as prices vary widely.
For liability-only coverage, Texas Farm Bureau stands out as the most budget-friendly choice. It also provides the best rates for full coverage policies, making it a top option for drivers seeking more extensive protection. Additionally, young drivers can secure the lowest rates through Texas Farm Bureau.
Cheapest Car Insurance In Baytown, TX
Cheapest Liability-only Car Insurance In Baytown: Texas Farm Bureau
Texas Farm Bureau offers the most affordable minimum coverage car insurance in Baytown, with an average monthly rate of $30.
Check the table below to compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $30 | $360 |
| State Farm | $35 | $420 |
| Progressive | $44 | $528 |
| Mercury | $38 | $456 |
| AAA Texas | $51 | $612 |
Cheapest Full Coverage Insurance Rates In Baytown: Texas Farm Bureau
Texas Farm Bureau offers the lowest rates for full coverage car insurance in Baytown, with an average monthly premium of $65.
Refer to the table below to compare average quotes from other budget-friendly insurers in Baytown.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $65 | $780 |
| GEICO | $119 | $1,428 |
| AAA Texas | $114 | $1,368 |
| State Farm | $83 | $996 |
| Progressive | $102 | $1,224 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm offers the most affordable car insurance for seniors in Baytown, with an average monthly rate of $45.
Check the table below for a comparison of quotes from other low-cost insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $45 | $540 |
| Texas Farm Bureau | $80 | $960 |
| Allstate | $68 | $816 |
| Mile Auto | $73 | $876 |
| Safeco | $85 | $1,020 |
Cheapest Rates In Baytown For Teenagers: Texas Farm Bureau
Teen drivers in Baytown can get the lowest insurance rates from Texas Farm Bureau, with average monthly premiums of $260.
See the table below for a comparison of the most affordable insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $260 | $3,120 |
| GEICO | $395 | $4,740 |
| USAA | $334 | $4,008 |
| State Farm | $468 | $5,568 |
| Allstate | $615 | $7,380 |
Cheapest Auto Insurance For Young Adults in Baytown: Texas Farm Bureau
Texas Farm Bureau provides the most affordable car insurance for young adults in Baytown, with an average monthly rate of $128.
Check the table below to compare the lowest auto insurance rates for young adults in Baytown.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $128 | $1,536 |
| Mercury Insurance | $150 | $1,800 |
| GEICO | $137 | $1,644 |
| State Farm | $161 | $1,932 |
| Allstate | $199 | $2,388 |
Cheapest Car Insurance In Baytown For Good Drivers: Texas Farm Bureau
Good drivers in Baytown can get the lowest car insurance rates from Texas Farm Bureau, with prices starting at about $30 per month.
If you’re a good driver, check the table below for average quotes from the most budget-friendly insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $30 | $360 |
| State Farm | $35 | $420 |
| AAA Texas | $51 | $612 |
| Mercury | $38 | $456 |
| Progressive | $44 | $528 |
Find Affordable Baytown Rates
Cheapest Car Insurance In Baytown After A Speeding Ticket: Texas Farm Bureau
Texas Farm Bureau offers some of the most affordable rates in Baytown, charging an average of $34 per month for drivers with a speeding ticket.
Check the table below for typical rates from different insurers for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $34 | $408 |
| State Farm | $39 | $468 |
| Progressive | $56 | $672 |
| Allstate | $62 | $744 |
| Mercury | $51 | $612 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance rates for drivers who have been at fault in an accident, with an average cost of $45 per month.
Below are the car insurance providers offering the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $45 | $540 |
| Texas Farm Bureau | $47 | $564 |
| AAA Texas | $80 | $960 |
| Progressive | $76 | $912 |
| GEICO | $89 | $1,068 |
Cheapest Rates In Baytown For Drivers After A DUI: Mercury
Mercury offers the lowest car insurance rates for drivers with a DUI, providing Baytown residents an average monthly premium of $51.
The table below shows the most affordable car insurance options for Baytown drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $51 | $612 |
| Texas Farm Bureau | $55 | $660 |
| Progressive | $62 | $744 |
| AAA Texas | $82 | $984 |
| State Farm | $75 | $900 |
Best Car Insurance Companies In Baytown
Texas Farm Bureau offers the most affordable car insurance in Baytown, with an average monthly rate of $132. Other options to consider include Allstate at $138 per month and State Farm at $140 per month.
The following list highlights the top 10 car insurance companies in Baytown, TX, ranked by their average monthly premiums.
| Company | Monthly Premium |
| Texas Farm Bureau | $132 |
| Allstate | $138 |
| State Farm | $140 |
| Progressive | $143 |
| SafeAuto | $145 |
| AAA Texas | $149 |
| Safeco | $150 |
| GEICO | $154 |
| Mercury | $158 |
| USAA | $160 |
Average Auto Insurance Rates In Baytown- By Age
Age plays a significant role in determining car insurance rates. Younger drivers typically face higher premiums because of their inexperience and greater likelihood of accidents or traffic violations. Teen drivers, for example, can expect to pay around $5,400 annually for car insurance.
Rates tend to drop when drivers reach 25, provided they maintain a clean driving history.
Drivers in their 50s and early 60s often receive the lowest insurance rates, as insurance companies view them as having more experience and lower risk.
| Age | Average Yearly Rate |
| Teenagers | $5,400 |
| 20s | $3,048 |
| 30s | $1,824 |
| 40s | $2,436 |
| 50s | $1,596 |
| 60s | $1,332 |
| 70s | $1,728 |
Average Rates In Baytown- By Vehicle
The type of vehicle you drive greatly impacts your car insurance rates. Insurance companies consider factors like the make, model, year, and body type of your car. Generally, newer vehicles, especially luxury cars with advanced features and higher replacement costs, come with higher insurance premiums.
Check the table below for the average car insurance rates in Baytown based on different vehicle types.
| Vehicle | Average Monthly Rate |
| Hyundai Accent | $291 |
| Ford Escape | $118 |
| GMC Terrain | $179 |
| Honda Accord | $220 |
| Nissan Sentra | $572 |
How Much Is Car Insurance In Other Cities in Texas?
Your city plays a major role in determining your car insurance rates. Insurance companies assess various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism, which tend to be more common in urban areas. As a result, drivers in cities often face higher premiums.
For instance, car insurance in El Paso averages around $154 per month, while drivers in Austin typically pay about $161 per month.
| City | Average Monthly Rate |
| El Paso | $154 |
| Austin | $161 |
| Beaumont | $169 |
| Arlington | $165 |
| Dallas | $182 |
| Houston | $190 |
| Fort Worth | $167 |
| Tyler | $155 |
| Irving | $172 |
| Lubbock | $160 |
Average Cost Of Auto Insurance In Baytown- By Zip Code
Insurance companies use zip codes to assess local crime rates, which can affect your car insurance premiums. As a result, rates vary by zip code.
The table below shows the average car insurance rates for different zip codes in Baytown.
| Zip Code | Average Monthly Rate |
| 77520 | $180 |
| 77521 | $183 |
| 77522 | $178 |
| 77523 | $192 |
Find Affordable Baytown Rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Baytown, TX.
Quotes Analyzed
Years of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Baytown?
In Baytown, Texas Farm Bureau offers the lowest car insurance rates, both for the minimum coverage required by the State of Texas and for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Baytown?
The average car insurance cost in Baytown is approximately $132 per month. However, rates can vary depending on factors such as your zip code, car make and model, driving history, and more.
