Cheap Quotes for Kerens, TX Car Insurance (2021)

Kerens, Texas car insurance rates average $294 a month and Texas law requires coverage of at least 30/60/25. By comparing rates from multiple Kerens, TX companies, you can find cheap Kerens 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

  • Kerens has an average commute time of 28.0 minutes
  • Average car insurance rates in Kerens, TX for senior drivers are $2,134/year
  • Average car insurance rates in Kerens, TX are $294/month

How do the Kerens, Texas monthly average car insurance rates of $294/month compare to nearby cities like Houston car insurance rates, San Antonio car insurance rates, and Plano car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Kerens, TX.

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

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

What are the minimum Kerens, TX car insurance requirements?

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

Minimum Required Car Insurance Coverage in Kerens, 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 Kerens, TX car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Kerens, 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 $3,585 $3,619 $3,540 $3,540 $9,449 $11,414 $4,436 $4,626
American Family $2,273 $2,515 $2,102 $2,392 $5,745 $7,519 $3,203 $3,642
GEICO $2,058 $2,199 $1,955 $2,178 $4,365 $4,568 $2,222 $2,240
Nationwide $2,061 $2,097 $1,823 $1,930 $5,791 $7,432 $2,415 $2,611
Progressive $2,422 $2,299 $2,164 $2,200 $10,357 $11,566 $2,875 $2,919
State Farm $1,880 $1,880 $1,670 $1,670 $4,451 $5,664 $2,041 $2,107
USAA $1,425 $1,438 $1,358 $1,353 $3,939 $4,303 $1,898 $2,045

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

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

Annual Car Insurance Rates for Teen Drivers in Kerens, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,449 $11,414
American Family $5,745 $7,519
GEICO $4,365 $4,568
Nationwide $5,791 $7,432
Progressive $10,357 $11,566
State Farm $4,451 $5,664
USAA $3,939 $4,303

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

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

Annual Car Insurance Rates for Senior Drivers in Kerens, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,540 $3,540
American Family $2,102 $2,392
GEICO $1,955 $2,178
Nationwide $1,823 $1,930
Progressive $2,164 $2,200
State Farm $1,670 $1,670
USAA $1,358 $1,353

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

Annual Car Insurance Rates by Coverage Level in Kerens, Texas

Insurance Company Low Medium High
Allstate $5,403 $5,480 $5,696
American Family $3,427 $3,543 $4,052
GEICO $2,604 $2,696 $2,871
Nationwide $3,539 $3,131 $3,140
Progressive $4,383 $4,580 $4,837
State Farm $2,542 $2,664 $2,806
USAA $2,151 $2,212 $2,296

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

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

Annual Kerens, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,296 $6,614 $6,898 $4,296
American Family $3,363 $4,239 $3,732 $3,363
GEICO $2,317 $3,025 $2,571 $2,980
Nationwide $2,840 $2,840 $4,197 $3,204
Progressive $4,009 $5,202 $4,679 $4,511
State Farm $2,379 $2,721 $3,203 $2,379
USAA $1,661 $2,438 $2,875 $1,905

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

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

Annual Car Insurance Rates After a DUI in Kerens, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,898
American Family $3,732
GEICO $2,571
Nationwide $4,197
Progressive $4,679
State Farm $3,203
USAA $2,875

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

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

Annual Car Insurance Rates by Credit Score in Kerens, Texas

Insurance Company Poor Fair Good
Allstate $7,025 $5,147 $4,406
American Family $5,078 $3,169 $2,774
GEICO $4,183 $2,384 $1,603
Nationwide $3,917 $3,151 $2,742
Progressive $5,164 $4,479 $4,157
State Farm $3,783 $2,354 $1,875
USAA $3,269 $1,880 $1,511

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

Kerens, 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 Kerens if you’re financing.

Annual Car Insurance Rates by Commute Length in Kerens, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,394 $5,658
American Family $3,674 $3,674
GEICO $2,671 $2,776
Nationwide $3,270 $3,270
Progressive $4,600 $4,600
State Farm $2,671 $2,671
USAA $2,192 $2,248

Who has the cheapest Kerens, TX car insurance rates?

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

Best Annual Car Insurance Rates by Company in Kerens, Texas

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

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What are the top Kerens, TX car insurance companies?

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

Average Annual Car Insurance Rates by Company in Kerens, Texas

Insurance Company Average Annual Rates
Allstate $5,526
American Family $3,674
GEICO $2,723
Nationwide $3,270
Progressive $4,600
State Farm $2,671
USAA $2,220

What factors affect Kerens, TX car insurance rates?

Why are Kerens, Texas car insurance rates different than rates in Houston or San Antonio? 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 Kerens, TX?

More time spent behind the wheel can lead to higher Kerens, Texas car insurance rates. In Kerens, TX, the average commute length is 28.0 minutes.

Car Insurance Quotes for Kerens, TX

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