Cheap Quotes for Cypress, TX Car Insurance (2021)

Cypress, Texas car insurance rates average $359 a month and Texas law requires coverage of at least 30/60/25. By comparing rates from multiple Cypress, TX companies, you can find cheap Cypress car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • The cheapest car insurance company in Cypress is USAA
  • Average car insurance rates in Cypress, TX for senior drivers are $2,589/year
  • Average car insurance rates in Cypress, TX are $359/month

How do the Cypress, Texas monthly average car insurance rates of $359/month compare to nearby cities like Laredo car insurance rates, Plano car insurance rates, and El Paso car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Cypress, TX.

We’ll cover the Texas minimum coverage requirements, Texas car insurance laws, and Cypress, TX statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Cypress, Texas companies to find the most affordable Cypress car insurance rates.

Enter your ZIP code above to find cheap Cypress, TX car insurance quotes today.

What are the minimum Cypress, TX car insurance requirements?

To meet Texas minimum car insurance coverage requirements, Cypress, TX drivers need to carry at least 30/60/25 coverage.

Minimum Required Car Insurance Coverage in Cypress, 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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Average Cypress, TX Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Cypress, TX you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Cypress, Texas

ZIP Code Average Annual Rates
77429 $6,467
77433 $6,501

How do age, gender, and marital status affect Cypress, TX car insurance rates?

Three of the criteria that most affect car insurance rates in Cypress, Texas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Cypress car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cypress, 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 $3,634 $3,654 $3,584 $3,584 $9,776 $11,769 $4,488 $4,657
American Family $3,376 $3,816 $3,280 $3,812 $10,064 $13,093 $5,075 $5,800
GEICO $2,648 $2,881 $2,583 $2,974 $5,955 $6,129 $2,872 $2,837
Nationwide $2,452 $2,489 $2,165 $2,290 $7,050 $9,046 $2,891 $3,127
Progressive $2,652 $2,516 $2,367 $2,408 $11,439 $12,769 $3,154 $3,202
State Farm $2,287 $2,287 $2,044 $2,044 $5,564 $7,101 $2,493 $2,562
USAA $1,633 $1,634 $1,566 $1,545 $4,674 $5,064 $2,173 $2,311

How much do teen drivers pay for car insurance in Cypress, TX?

Cypress, Texas car insurance rates for teens are often higher than rates for other drivers. Compare Cypress car insurance rates from multiple Cypress, Texas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Cypress, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,776 $11,769
American Family $10,064 $13,093
GEICO $5,955 $6,129
Nationwide $7,050 $9,046
Progressive $11,439 $12,769
State Farm $5,564 $7,101
USAA $4,674 $5,064

How much do senior drivers pay for car insurance in Cypress, TX?

With a little research, seniors can find affordable car insurance in Cypress, Texas. Here’s a look at how the top Cypress car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Cypress, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,584 $3,584
American Family $3,280 $3,812
GEICO $2,583 $2,974
Nationwide $2,165 $2,290
Progressive $2,367 $2,408
State Farm $2,044 $2,044
USAA $1,566 $1,545

How does coverage level affect Cypress, TX car insurance rates?

How much coverage do you need? Are you comfortable with the Texas minimum of 30/60/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Cypress, TX car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Cypress, Texas

Insurance Company Low Medium High
Allstate $5,512 $5,594 $5,824
American Family $5,557 $5,777 $6,785
GEICO $3,391 $3,560 $3,879
Nationwide $4,235 $3,773 $3,808
Progressive $4,833 $5,042 $5,315
State Farm $3,108 $3,288 $3,498
USAA $2,480 $2,564 $2,682

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How does your driving record affect Cypress, TX car insurance rates?

Safe driving pays off. The more traffic violations you have in Cypress, TX, the higher your car insurance rates will be. Compare rates based on driving infractions from top Cypress, Texas companies.

Annual Cypress, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,334 $6,803 $7,102 $4,334
American Family $5,459 $7,075 $6,165 $5,459
GEICO $3,059 $4,079 $3,361 $3,941
Nationwide $3,415 $3,415 $5,067 $3,859
Progressive $4,409 $5,730 $5,149 $4,966
State Farm $2,920 $3,363 $3,991 $2,920
USAA $1,912 $2,839 $3,355 $2,196

How does a DUI affect Cypress, TX car insurance rates?

With even one DUI on your record, you can see an increase in your Cypress, TX car insurance rates.

Annual Car Insurance Rates After a DUI in Cypress, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,102
American Family $6,165
GEICO $3,361
Nationwide $5,067
Progressive $5,149
State Farm $3,991
USAA $3,355

How does your credit history affect Cypress, TX car insurance rates?

Take a look at the data here to see how your Cypress, Texas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Cypress, Texas

Insurance Company Poor Fair Good
Allstate $7,163 $5,258 $4,508
American Family $8,133 $5,337 $4,648
GEICO $5,584 $3,151 $2,094
Nationwide $4,720 $3,797 $3,299
Progressive $5,682 $4,931 $4,577
State Farm $4,661 $2,910 $2,323
USAA $3,767 $2,192 $1,767

How does your commute affect Cypress, TX car insurance rates?

Cypress, TX car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Texas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Cypress if you’re financing.

Annual Car Insurance Rates by Commute Length in Cypress, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,500 $5,786
American Family $6,039 $6,039
GEICO $3,544 $3,675
Nationwide $3,939 $3,939
Progressive $5,063 $5,063
State Farm $3,298 $3,298
USAA $2,543 $2,608

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Who has the cheapest Cypress, TX car insurance rates?

Here’s a breakdown of Cypress, Texas car insurance rates by company. You can see which company offers the cheapest Cypress car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Cypress, Texas

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

What are the top Cypress, TX car insurance companies?

Which Cypress, Texas car insurance company will best fit your needs and budget? Check out this comparison of the top Cypress companies to find the one for you.

Average Annual Car Insurance Rates by Company in Cypress, Texas

Insurance Company Average Annual Rates
Allstate $5,643
American Family $6,039
GEICO $3,610
Nationwide $3,939
Progressive $5,063
State Farm $3,298
USAA $2,575

Car Insurance Quotes for Cypress, TX

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