Cheap Quotes for Denison, TX Car Insurance (2021)

Denison, Texas car insurance rates average $287 a month and Texas law requires coverage of at least 30/60/25. By comparing rates from multiple Denison, TX companies, you can find cheap Denison 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

  • Average car insurance rates in Denison, TX for senior drivers are $2,112/year
  • Denison has an average commute time of 21.1 minutes
  • Average car insurance rates in Denison, TX are $287/month

How do the Denison, Texas monthly average car insurance rates of $287/month compare to nearby cities like San Antonio car insurance rates, Austin car insurance rates, and Arlington car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Denison, TX.

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

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

What are the minimum Denison, TX car insurance requirements?

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

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

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

Annual Car Insurance Rates by ZIP Code in Denison, Texas

ZIP Code Average Annual Rates
75020 $5,027
75021 $5,074

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Denison, 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 $3,525 $3,552 $3,483 $3,483 $9,290 $11,193 $4,347 $4,516
American Family $2,197 $2,433 $2,048 $2,331 $5,637 $7,384 $3,110 $3,540
GEICO $2,111 $2,267 $2,042 $2,293 $4,502 $4,684 $2,270 $2,266
Nationwide $2,079 $2,115 $1,845 $1,950 $5,738 $7,349 $2,427 $2,620
Progressive $2,177 $2,065 $1,938 $1,977 $8,989 $10,007 $2,566 $2,596
State Farm $1,910 $1,910 $1,704 $1,704 $4,639 $5,925 $2,081 $2,147
USAA $1,453 $1,459 $1,389 $1,376 $4,084 $4,441 $1,932 $2,066

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

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

Annual Car Insurance Rates for Teen Drivers in Denison, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,290 $11,193
American Family $5,637 $7,384
GEICO $4,502 $4,684
Nationwide $5,738 $7,349
Progressive $8,989 $10,007
State Farm $4,639 $5,925
USAA $4,084 $4,441

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

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

Annual Car Insurance Rates for Senior Drivers in Denison, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,483 $3,483
American Family $2,048 $2,331
GEICO $2,042 $2,293
Nationwide $1,845 $1,950
Progressive $1,938 $1,977
State Farm $1,704 $1,704
USAA $1,389 $1,376

How does coverage level affect Denison, 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 Denison, TX car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Denison, Texas

Insurance Company Low Medium High
Allstate $5,273 $5,367 $5,631
American Family $3,340 $3,456 $3,958
GEICO $2,662 $2,771 $2,980
Nationwide $3,515 $3,126 $3,155
Progressive $3,840 $4,018 $4,260
State Farm $2,611 $2,744 $2,902
USAA $2,198 $2,266 $2,361

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

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

Annual Denison, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,203 $6,513 $6,776 $4,203
American Family $3,281 $4,136 $3,642 $3,281
GEICO $2,385 $3,133 $2,636 $3,064
Nationwide $2,842 $2,842 $4,176 $3,201
Progressive $3,528 $4,549 $4,114 $3,967
State Farm $2,440 $2,806 $3,324 $2,440
USAA $1,697 $2,503 $2,954 $1,946

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

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

Annual Car Insurance Rates After a DUI in Denison, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,776
American Family $3,642
GEICO $2,636
Nationwide $4,176
Progressive $4,114
State Farm $3,324
USAA $2,954

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

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

Annual Car Insurance Rates by Credit Score in Denison, Texas

Insurance Company Poor Fair Good
Allstate $6,909 $5,046 $4,316
American Family $4,947 $3,093 $2,714
GEICO $4,311 $2,455 $1,648
Nationwide $3,918 $3,144 $2,734
Progressive $4,549 $3,929 $3,640
State Farm $3,896 $2,427 $1,935
USAA $3,337 $1,932 $1,556

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

Denison, 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 Denison if you’re financing.

Annual Car Insurance Rates by Commute Length in Denison, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,293 $5,555
American Family $3,585 $3,585
GEICO $2,754 $2,855
Nationwide $3,265 $3,265
Progressive $4,039 $4,039
State Farm $2,753 $2,753
USAA $2,246 $2,304

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Who has the cheapest Denison, TX car insurance rates?

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

Best Annual Car Insurance Rates by Company in Denison, Texas

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

What are the top Denison, TX car insurance companies?

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

Average Annual Car Insurance Rates by Company in Denison, Texas

Insurance Company Average Annual Rates
Allstate $5,424
American Family $3,585
GEICO $2,804
Nationwide $3,265
Progressive $4,039
State Farm $2,753
USAA $2,275

What factors affect Denison, TX car insurance rates?

Why are Denison, Texas car insurance rates different than rates in San Antonio or Austin? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Denison, TX?

FBI statistics show that the Denison, Texas car theft rate is 54 thefts each year. High theft rates can lead to higher than average Denison, TX car insurance rates.

How long is the average commute in Denison, TX?

More time spent behind the wheel can lead to higher Denison, Texas car insurance rates. In Denison, TX, the average commute length is 21.1 minutes.

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Car Insurance Quotes for Denison, TX

Shop for affordable Denison, Texas car insurance rates today. Enter your ZIP code to compare quotes from multiple Denison, TX car insurance companies.

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