Cheap Quotes for Royse City, TX Car Insurance (2021)

Royse City, Texas car insurance rates average $326 a month and Texas law requires coverage of at least 30/60/25. By comparing rates from multiple Royse City, TX companies, you can find cheap Royse City 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

  • Royse City has an average commute time of 36.3 minutes
  • Average car insurance rates in Royse City, TX after a DUI are $4,469/year
  • Average car insurance rates in Royse City, TX are $326/month

How do the Royse City, Texas monthly average car insurance rates of $326/month compare to nearby cities like Corpus Christi car insurance rates, San Antonio 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 Royse City, TX.

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

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

What are the minimum Royse City, TX car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Royse City, 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 $3,628 $3,650 $3,579 $3,579 $9,636 $11,597 $4,470 $4,642
American Family $2,396 $2,665 $2,257 $2,581 $6,401 $8,391 $3,444 $3,930
GEICO $2,764 $2,991 $2,664 $3,038 $6,187 $6,402 $3,001 $2,991
Nationwide $2,399 $2,436 $2,118 $2,241 $6,919 $8,878 $2,831 $3,062
Progressive $2,220 $2,109 $1,995 $2,024 $9,581 $10,689 $2,634 $2,668
State Farm $2,295 $2,295 $2,054 $2,054 $5,714 $7,319 $2,510 $2,582
USAA $1,609 $1,609 $1,541 $1,518 $4,641 $5,029 $2,143 $2,279

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

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

Annual Car Insurance Rates for Teen Drivers in Royse City, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,636 $11,597
American Family $6,401 $8,391
GEICO $6,187 $6,402
Nationwide $6,919 $8,878
Progressive $9,581 $10,689
State Farm $5,714 $7,319
USAA $4,641 $5,029

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

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

Annual Car Insurance Rates for Senior Drivers in Royse City, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,579 $3,579
American Family $2,257 $2,581
GEICO $2,664 $3,038
Nationwide $2,118 $2,241
Progressive $1,995 $2,024
State Farm $2,054 $2,054
USAA $1,541 $1,518

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

Annual Car Insurance Rates by Coverage Level in Royse City, Texas

Insurance Company Low Medium High
Allstate $5,459 $5,546 $5,789
American Family $3,750 $3,871 $4,403
GEICO $3,557 $3,713 $3,994
Nationwide $4,150 $3,697 $3,734
Progressive $4,032 $4,224 $4,465
State Farm $3,168 $3,345 $3,545
USAA $2,458 $2,536 $2,645

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

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

Annual Royse City, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,321 $6,727 $7,022 $4,321
American Family $3,648 $4,657 $4,079 $3,648
GEICO $3,181 $4,230 $3,508 $4,101
Nationwide $3,346 $3,346 $4,968 $3,782
Progressive $3,698 $4,801 $4,305 $4,156
State Farm $2,956 $3,421 $4,078 $2,956
USAA $1,890 $2,804 $3,321 $2,169

How does a DUI affect Royse City, TX car insurance rates?

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

Annual Car Insurance Rates After a DUI in Royse City, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,022
American Family $4,079
GEICO $3,508
Nationwide $4,968
Progressive $4,305
State Farm $4,078
USAA $3,321

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

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

Annual Car Insurance Rates by Credit Score in Royse City, Texas

Insurance Company Poor Fair Good
Allstate $7,105 $5,216 $4,472
American Family $5,509 $3,475 $3,040
GEICO $5,813 $3,277 $2,175
Nationwide $4,624 $3,722 $3,235
Progressive $4,745 $4,133 $3,842
State Farm $4,748 $2,956 $2,355
USAA $3,729 $2,165 $1,744

How does your commute affect Royse City, TX car insurance rates?

Royse City, 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 Royse City if you’re financing.

Annual Car Insurance Rates by Commute Length in Royse City, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,458 $5,738
American Family $4,008 $4,008
GEICO $3,686 $3,823
Nationwide $3,860 $3,860
Progressive $4,240 $4,240
State Farm $3,353 $3,353
USAA $2,514 $2,578

Who has the cheapest Royse City, TX car insurance rates?

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

Best Annual Car Insurance Rates by Company in Royse City, Texas

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

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What are the top Royse City, TX car insurance companies?

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

Average Annual Car Insurance Rates by Company in Royse City, Texas

Insurance Company Average Annual Rates
Allstate $5,598
American Family $4,008
GEICO $3,755
Nationwide $3,860
Progressive $4,240
State Farm $3,353
USAA $2,546

What factors affect Royse City, TX car insurance rates?

Why are Royse City, Texas car insurance rates different than rates in Corpus Christi or San Antonio? 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 Royse City, TX?

FBI statistics show that the Royse City, Texas car theft rate is 11 thefts each year. High theft rates can lead to higher than average Royse City, TX car insurance rates.

How long is the average commute in Royse City, TX?

More time spent behind the wheel can lead to higher Royse City, Texas car insurance rates. In Royse City, TX, the average commute length is 36.3 minutes.

Car Insurance Quotes for Royse City, TX

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

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