Cheap Quotes for Groom, TX Car Insurance (2021)

Groom, Texas car insurance rates average $332 a month and Texas law requires coverage of at least 30/60/25. By comparing rates from multiple Groom, TX companies, you can find cheap Groom 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 Groom, TX after a DUI are $4,485/year
  • The cheapest car insurance company in Groom is USAA
  • Average car insurance rates in Groom, TX for senior drivers are $2,433/year

How do the Groom, Texas monthly average car insurance rates of $332/month compare to nearby cities like Arlington car insurance rates, Corpus Christi car insurance rates, and Dallas car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Groom, TX.

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

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

What are the minimum Groom, TX car insurance requirements?

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

Minimum Required Car Insurance Coverage in Groom, 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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How do age, gender, and marital status affect Groom, TX car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Groom, 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 $3,617 $3,674 $3,576 $3,576 $9,094 $11,053 $4,481 $4,710
American Family $3,758 $4,104 $3,181 $3,584 $7,932 $10,557 $5,034 $5,718
GEICO $2,564 $2,699 $2,336 $2,547 $5,355 $5,609 $2,782 $2,842
Nationwide $2,471 $2,522 $2,179 $2,317 $6,871 $8,867 $2,888 $3,134
Progressive $2,557 $2,448 $2,266 $2,316 $10,490 $11,694 $3,042 $3,095
State Farm $1,784 $1,784 $1,578 $1,578 $4,116 $5,219 $1,928 $1,993
USAA $1,594 $1,639 $1,497 $1,531 $4,047 $4,518 $2,138 $2,373

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

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

Annual Car Insurance Rates for Teen Drivers in Groom, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,094 $11,053
American Family $7,932 $10,557
GEICO $5,355 $5,609
Nationwide $6,871 $8,867
Progressive $10,490 $11,694
State Farm $4,116 $5,219
USAA $4,047 $4,518

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

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

Annual Car Insurance Rates for Senior Drivers in Groom, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,576 $3,576
American Family $3,181 $3,584
GEICO $2,336 $2,547
Nationwide $2,179 $2,317
Progressive $2,266 $2,316
State Farm $1,578 $1,578
USAA $1,497 $1,531

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

Annual Car Insurance Rates by Coverage Level in Groom, Texas

Insurance Company Low Medium High
Allstate $5,358 $5,430 $5,630
American Family $5,247 $5,363 $5,841
GEICO $3,237 $3,325 $3,463
Nationwide $4,229 $3,737 $3,753
Progressive $4,520 $4,719 $4,977
State Farm $2,383 $2,491 $2,619
USAA $2,364 $2,412 $2,475

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

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

Annual Groom, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,354 $6,467 $6,715 $4,354
American Family $5,046 $6,300 $5,542 $5,046
GEICO $2,834 $3,653 $3,198 $3,682
Nationwide $3,381 $3,381 $5,037 $3,826
Progressive $4,133 $5,324 $4,831 $4,666
State Farm $2,236 $2,543 $2,976 $2,236
USAA $1,833 $2,638 $3,094 $2,103

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

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

Annual Car Insurance Rates After a DUI in Groom, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,715
American Family $5,542
GEICO $3,198
Nationwide $5,037
Progressive $4,831
State Farm $2,976
USAA $3,094

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

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

Annual Car Insurance Rates by Credit Score in Groom, Texas

Insurance Company Poor Fair Good
Allstate $6,978 $5,093 $4,347
American Family $7,827 $4,623 $4,001
GEICO $5,160 $2,919 $1,946
Nationwide $4,700 $3,754 $3,264
Progressive $5,350 $4,605 $4,261
State Farm $3,539 $2,201 $1,753
USAA $3,624 $2,022 $1,606

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

Groom, 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 Groom if you’re financing.

Annual Car Insurance Rates by Commute Length in Groom, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,351 $5,594
American Family $5,484 $5,484
GEICO $3,270 $3,414
Nationwide $3,906 $3,906
Progressive $4,738 $4,738
State Farm $2,498 $2,498
USAA $2,385 $2,449

Who has the cheapest Groom, TX car insurance rates?

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

Best Annual Car Insurance Rates by Company in Groom, Texas

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

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What are the top Groom, TX car insurance companies?

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

Average Annual Car Insurance Rates by Company in Groom, Texas

Insurance Company Average Annual Rates
Allstate $5,473
American Family $5,484
GEICO $3,342
Nationwide $3,906
Progressive $4,738
State Farm $2,498
USAA $2,417

What factors affect Groom, TX car insurance rates?

Why are Groom, Texas car insurance rates different than rates in Arlington or Corpus Christi? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Groom, TX?

More time spent behind the wheel can lead to higher Groom, Texas car insurance rates. In Groom, TX, the average commute length is 22.9 minutes.

Car Insurance Quotes for Groom, TX

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