Cheapest Car Insurance In Sherman, TX 2025
Texas Farm Bureau is the most affordable choice in Sherman, offering minimum coverage car insurance for an average of $29 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for the most affordable car insurance in Sherman, TX, reveals a wide range of options.
Texas Farm Bureau is the top choice for those looking for the most affordable liability-only coverage. Texas Farm Bureau also stands out for offering the best rates on full coverage policies and is also the cheapest option for young drivers.
Cheapest Car Insurance Companies In Sherman, TX
Cheapest Liability-only Car Insurance In Sherman: Texas Farm Bureau
In Sherman, Texas Farm Bureau offers the most affordable minimum coverage car insurance, costing an average of $29 per month.
Refer to the table below to compare the rates offered by various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $29 | $348 |
| Mercury | $54 | $648 |
| State Farm | $41 | $492 |
| Allstate | $63 | $756 |
| Nationwide | $60 | $720 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm offers the lowest car insurance rates for seniors in Sherman, with an average monthly cost of $34.
The table below highlights average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $34 | $408 |
| Mercury | $42 | $504 |
| Progressive | $49 | $588 |
| AAA Texas | $57 | $684 |
| Allstate | $65 | $780 |
Cheapest Full Coverage Insurance Rates In Sherman: Texas Farm Bureau
Texas Farm Bureau offers the lowest full coverage car insurance rates in Sherman, with average quotes of $87 per month.
The table below highlights average car insurance quotes from budget-friendly providers in Sherman.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $87 | $1,044 |
| Clear Cover | $132 | $1,584 |
| State Farm | $121 | $1,452 |
| Mercury | $142 | $1,704 |
| Nationwide | $147 | $1,764 |
Cheapest Rates In Sherman For Teenagers: Allstate
Allstate offers the lowest car insurance rates for teenage drivers in Sherman, with average monthly premiums of $82.
The table below lists the companies offering the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $82 | $984 |
| State Farm | $111 | $1,332 |
| Progressive | $201 | $2,412 |
| Mercury | $179 | $2,148 |
| Nationwide | $323 | $3,876 |
Cheapest Auto Insurance For Young Adults in Sherman: Texas Farm Bureau
In Sherman, Texas Farm Bureau provides the lowest car insurance quotes for young adults, with an average monthly rate of $35.
The table below allows you to compare the lowest auto insurance rates for young adults in Sherman.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $35 | $420 |
| Mercury | $48 | $576 |
| Allstate | $80 | $960 |
| State Farm | $44 | $528 |
| Progressive | $56 | $672 |
Cheapest Car Insurance In Sherman For Good Drivers: Texas Farm Bureau
Texas Farm Bureau offers the lowest car insurance quotes for good drivers in Sherman, averaging $29 per month.
If you’re a good driver, the table below shows average quotes from the most affordable insurance providers.
| Provider | Average Monthly Cost | AverageAnnual Cost |
| Texas Farm Bureau | $29 | $348 |
| Mercury | $54 | $648 |
| State Farm | $41 | $492 |
| Allstate | $63 | $756 |
| Nationwide | $60 | $720 |
Find affordable Sherman rates
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the lowest car insurance rates for drivers with an at-fault incident, averaging $48 per month.
Below are the car insurance companies offering the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $48 | $576 |
| AAA Texas | $83 | $996 |
| Texas Farm Bureau | $47 | $564 |
| GEICO | $90 | $1,080 |
| Progressive | $74 | $888 |
Cheapest Rates In Sherman For Drivers After A DUI: Mercury
Mercury offers the lowest car insurance rates for drivers with a DUI in Sherman, with average monthly premiums of $51.
The table below shows the cheapest car insurance rates for drivers with a DUI in Sherman.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $51 | $612 |
| Texas Farm Bureau | $67 | $804 |
| Nationwide | $153 | $1,836 |
| State Farm | $73 | $876 |
| Allstate | $97 | $1,164 |
Cheapest Car Insurance In Sherman After A Speeding Ticket: Texas Farm Bureau
Texas Farm Bureau stands out as one of the most affordable options in Sherman, offering average rates of $30 per month for drivers with a speeding ticket.
The table below provides average rates for drivers who have a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $30 | $360 |
| State Farm | $36 | $432 |
| Allstate | $63 | $756 |
| Mercury | $51 | $612 |
| AAA Texas | $74 | $888 |
Best Car Insurance Companies In Sherman
In Sherman, the most affordable car insurance comes from Texas Farm Bureau , with an average monthly cost of $29. You can also consider Mercury at $54 or State Farm at $41per month.
Below are the top 10 car insurance companies in Sherman, TX, ranked by their average monthly rates.
| Company | Monthly Premium |
| Texas Farm Bureau | $29 |
| Mercury | $54 |
| State Farm | $41 |
| Allstate | $63 |
| Nationwide | $60 |
| Direct Auto | $76 |
| Progressive | $52 |
| GEICO | $68 |
| AAA Texas | $92 |
| Clearcover | $135 |
Average Auto Insurance Rates In Sherman – By Age
Age plays a significant role in determining car insurance rates. Younger drivers usually face higher premiums due to their inexperience and increased risk of accidents and violations. Teenagers, in particular, can expect to pay about $2,646 annually for car insurance.
Once drivers turn 25, their car insurance rates typically start to decrease, provided they have a clean driving record.
Drivers in their 50s and early 60s often receive the most competitive insurance rates, as their age reflects more experience and lower risk to insurers.
| Age | Average Yearly Rate |
| Teenagers | $2,646 |
| 20s | $2,096 |
| 30s | $1,568 |
| 40s | $1,747 |
| 50s | $1,417 |
| 60s | $1,370 |
| 70s | $1,473 |
Average Rates In Sherman – By Vehicle
The type of car you drive is a key factor in determining your insurance premiums. Insurers consider details like the make, model, year, and body type. Newer cars, especially luxury models with advanced features and higher replacement costs, often come with higher insurance rates.
The table below provides average car insurance rates in Sherman for various types of vehicles.
| Vehicle | Average Monthly Rate |
| CHEVROLET SONIC LT | $217 |
| Mazda Cx-50 | $147 |
| Dodge Durango | $73 |
| Gmc Terrain | $173 |
| Toyota Camry | $98 |
Average Cost Of Auto Insurance In Sherman – By Zip Code
Insurers use zip codes to assess crime rates in different areas, which is why car insurance rates vary by zip code.
The table below shows the average car insurance rates for various zip codes in Sherman.
| Zip Code | Average Monthly Rate |
| 75090 | $135 |
| 75021 | $106 |
| 75092 | $147 |
How Much Is Car Insurance In Other Cities in Texas?
The city you live in has a significant impact on your car insurance rates. Insurers assess factors such as accident likelihood, theft, and vandalism rates, which tend to be higher in urban areas, leading to increased premiums.
For instance, drivers in Baytown typically pay about $215 per month for car insurance, whereas those in Midland have an average monthly rate of $163.
| City | Average Monthly Rate |
| Beaumont | $191 |
| Arlington | $183 |
| Laredo | $185 |
| El Paso | $170 |
| Fort Worth | $180 |
| Baytown | $215 |
| Midland | $163 |
| Sherman | $162 |
| Irving | $196 |
| Lubbock | $199 |
Find affordable Sherman rates
Our Methodology
After conducting a detailed analysis that includes factors like customer service ratings, product offerings, pricing, and feedback from online reviews, I’ve developed a comprehensive overview of car insurance providers in Sherman, TX.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Sherman?
Texas Farm Bureau offers the lowest rates in Sherman for minimum coverage, Texas Farm Bureau also provides the best rates for full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Sherman?
On average, car insurance in Sherman costs around $140 per month. However, rates can differ depending on factors like your zip code, car make and model, driving history, and more.
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