Best Longview, Texas Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
Erie, State Farm, and USAA are the best Longview, Texas auto insurance providers, with an impressive rate of $45/month. State Farm is noted for its agent network, while Erie provides high customer satisfaction and extensive coverage, and USAA is recognized for its benefits and discounts for military families.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Nov 11, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,759 reviewsCompany Facts
Full Coverage in Longview TX
A.M. Best Rating
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17,759 reviews
1,814 reviewsCompany Facts
Full Coverage in Longview TX
A.M. Best Rating
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1,814 reviews
6,435 reviewsCompany Facts
Full Coverage in Longview TX
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviewsThe best Longview, Texas auto insurance providers are State Farm, Erie, and USAA, offering competitive rates as low as $45/month.
State Farm offers a broad agent network for personalized service, Erie excels in customer satisfaction with extensive coverage options, and USAA provides exclusive discounts tailored for military families.
Our Top 10 Company Picks: Best Longview, Texas Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 7% | B | Many Discounts | State Farm |
 | #2 | 10% | A+ | 24/7 Support | Erie |
 | #3 | 15% | A++ | Military Savings | USAA |
 | #4 | 12% | A | Online App | AAA |
 | #5 | 8% | A++ | Accident Forgiveness | Travelers |
 | #6 | 5% | A++ | Custom Plan | Geico |
 | #7 | 9% | A+ | Usage Discount | Nationwide |
 | #8 | 14% | A | Local Agents | Farmers |
 | #9 | 6% | A+ | Add-on Coverages | Allstate |
 | #10 | 11% | A+ | Innovative Programs | Progressive |
This guide compares these top picks, along with other leading insurers, to help you find affordable coverage that meets your needs. Compare Longview’s auto insurance rates with those in other Texas cities, including “San Antonio Texas Auto Insurance” rates in Laredo and Houston.
Enter your ZIP code above to get free Longview, Texas auto insurance quotes. These quotes will allow you to evaluate different policies tailored to your specific needs.
- Find the best Longview, Texas auto insurance providers for affordable coverage
- Compare top providers to find the ideal fit for your needs
- State Farm is the top pick, offering personalized service with a strong agent network
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#1 – State Farm: Top Overall Pick
Pros
- Many Discounts: State Farm offers a variety of discounts, including a 7% bundling discount, making it a leading option. Discover more about discounts at “State Farm Auto Insurance Review.”
- A.M. Best Rating: With a B rating from A.M. Best, State Farm maintains solid financial reliability, contributing to its ranking among the best providers.
- Usage-Based Auto Insurance: They provide usage-based auto insurance options, which can benefit low-mileage drivers, making State Farm a top choice.
Cons
- Higher Rates for High-Risk Drivers: State Farm’s rates for high-risk auto insurance may not be as competitive, which could affect its status.
- Customer Service: Some customers have reported mixed experiences with State Farm’s customer service, potentially impacting its overall reputation.
#2 – Erie: Best for 24/7 Support
Pros
- 24/7 Support: Erie offers round-the-clock support, which is valuable for those needing assistance anytime. Learn more about their support at “Erie Auto Insurance Review.”
- A+ Rating: Erie’s A+ rating from A.M. Best signifies solid financial health, supporting its reputation as one of the best auto insurance options.
- Comprehensive Coverage: They offer a wide range of coverage options, including personal injury protection (PIP) coverage, making Erie a top choice.
Cons
- Rates for High-Risk Drivers: Erie’s rates for high-risk auto insurance might not be the most competitive, potentially affecting its status as the best insurance provider.
- Coverage Availability: Coverage options can vary by region, which may affect availability in certain areas.
#3 –USAA: Best for Military Savings
Pros
- Military Savings: USAA provides significant savings for military families, with a 15% bundling discount, making it a top choice. Read “USAA Auto Insurance Review” to know more about military savings.
- A++ Rating: USAA’s A++ rating from A.M. Best indicates exceptional financial strength and reliability, reinforcing its position as one of the best.
- Usage-Based Auto Insurance: They offer usage-based auto insurance options, which can be beneficial for low-mileage drivers, enhancing USAA’s reputation.
Cons
- Eligibility Limitations: USAA is only available to military members and their families, limiting its accessibility for others seeking the best auto insurance.
- Rates for High-Risk Drivers: Despite strong discounts for military families, rates for high-risk auto insurance may not be the most competitive.
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#4 – AAA: Best for Online App
Pros
- Online App: AAA provides a convenient online app for managing policies and claims and offers a 12% bundling discount, contributing to its position as one of the best.
- A Rating: AAA’s A rating from A.M. Best ensures solid financial stability, which supports its reputation as the best Longview, Texas auto insurance provider.
- Range of Coverage Options: AAA offers various coverage options, including high-risk auto insurance and personal injury protection (PIP), making them a solid choice.
Cons
- Higher Rates for High-Risk Drivers: AAA’s rates for high-risk auto insurance may not be the lowest available. Learn more about high-risk drivers at “AAA Auto Insurance Review.”
- Regional Variability: Coverage options and pricing can vary by region, affecting some customers’ access to the best Longview, Texas, auto insurance.
#5 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Travelers offer accident forgiveness, which can be advantageous for those with past accidents. Discover more about accident forgiveness at “Travelers Auto Insurance Review.”
- A++ Rating: Travelers boasts an A++ rating from A.M. Best, showcasing its exceptional financial stability, which supports its status as the best auto insurance option.
- Flexible Coverage: They offer flexible coverage options, including personal injury protection (PIP) coverage, making them a strong candidate for the best auto insurance.
Cons
- Higher Rates for High-Risk Drivers: Travelers’ rates for high-risk auto insurance may not be the most competitive, which could affect its standing.
- Claims Processing: Some policyholders have reported delays in claims processing, which might impact Travelers’ reputation as the best Longview, Texas auto insurance.
#6 – Geico: Best for Custom Plan
Pros
- Custom Plan Options: Geico offers customizable plans, including personal injury protection (PIP) coverage, making it a strong option.
- A++ Rating: Geico’s A++ rating from A.M. Best reflects its exceptional financial strength, contributing to its reputation as one of the best.
- Competitive Rates: Geico provides competitive rates with flexible coverage options, enhancing its appeal as the best Longview, Texas auto insurance choice.
Cons
- Rates for High-Risk Drivers: Geico’s rates might not always be the lowest for high-risk auto insurance. Visit our article entitled “Geico Auto Insurance Review” to gain more insights.
- Customer Service: Some policyholders report less personalized customer service, which might affect overall satisfaction and the provider’s reputation as the best auto insurance.
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#7 – Nationwide: Best for Usage Discount
Pros
- Usage Discount: Nationwide offers a usage discount, benefiting low-mileage drivers, and a 9% bundling discount. Learn more about usage discounts at “Nationwide Auto Insurance Review.”
- A+ Rating: With an A+ rating from A.M. Best, Nationwide provides financial solid stability and reliability, contributing to its status as one of the best Longview, Texas auto insurance providers.
- Personal Injury Protection (PIP) Coverage: They include personal injury protection (PIP) coverage, enhancing their range of options.
Cons
- Higher Rates for High-Risk Drivers: Nationwide’s rates for high-risk auto insurance might be higher than some competitors’.
- Online Tools: Their online tools and app could be more user-friendly, potentially making it easier to manage policies.
#8 – Farmers: Best for Local Agents
Pros
- Local Agents: Farmers provide access to local agents, offering personalized service and a 14% bundling discount, making it a top choice.
- A Rating: With an A rating from A.M. Best, Farmers is known for its robust financial health and reliability, supporting its position as the best auto insurance provider.
- Personal Injury Protection (PIP) Coverage: Farmers offer personal injury protection (PIP) coverage, enhancing its appeal as one of the best.
Cons
- Higher Rates for High-Risk Drivers: Farmers’ rates for high-risk auto insurance can be higher compared to some competitors. Expand your knowledge at “Farmers Auto Insurance Review.”
- Complex Policies: Some customers find Farmers’ policies to be more complicated, which could impact the ease of understanding and managing coverage.
#9 – Allstate: Best for Add-on Coverages
Pros
- Add-on Coverages: Allstate offers extensive add-on coverages, making it a strong contender for the best Longview, Texas, auto insurance for those needing additional protection.
- A+ Rating: With an A+ rating from A.M. Best, Allstate is recognized for its strong financial stability, which contributes to its status as one of the best auto insurance options.
- Range of Coverage Options: Allstate provides a diverse range of coverage options, including for the safest car in America, enhancing its appeal as a top choice.
Cons
- Higher Rates: Allstate’s rates can be higher than those of some competitors, which might affect its position as the best. Learn more about the higher rates at “Allstate Auto Insurance Review.”
- Customer Service: Some customers have reported mixed experiences with Allstate’s customer service, which could potentially impact its overall reputation.
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#10 – Progressive: Best for Innovative Programs
Pros
- Custom Plans: Progressive offers customizable plans, including high-risk auto insurance options, enhancing its position as a leading choice.
- Flexible Coverage: They provide a range of coverage options, including personal injury protection (PIP) coverage, making them a strong candidate.
- A++ Rating: Progressive has an A++ rating from A.M. Best, which recognizes its exceptional financial strength and contributes to its reputation as one of the best.
Cons
- Rates for High-Risk Drivers: Progressive’s rates might not be the lowest for high-risk auto insurance. Discover more rates at “Progressive Auto Insurance Review.”
- Claims Processing: Progressive’s claims processing can be delayed, which might impact its reputation as the best Longview, Texas auto insurance provider.
How Age and Gender Affect Longview, Texas Auto Insurance Costs
Longview, Texas, auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the necessary auto insurance in Longview, Texas.
Longview, Texas Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $48 | $100 |
| $55 | $106 |
| $45 | $107 |
| $55 | $102 |
| $47 | $110 |
| $52 | $104 |
| $50 | $108 |
| $50 | $103 |
| $53 | $112 |
| $56 | $105 |
Auto insurance rates in Longview, Texas, can vary significantly depending on your demographic profile. Younger drivers tend to pay more, while older, more experienced drivers often benefit from lower premiums.
Longview, Texas Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $802 | $969 | $376 | $392 | $304 | $307 | $300 | $300 |
 | $555 | $723 | $294 | $335 | $202 | $226 | $193 | $221 |
| $590 | $745 | $265 | $280 | $215 | $220 | $205 | $215 |
| $453 | $469 | $223 | $221 | $207 | $224 | $201 | $230 |
 | $615 | $780 | $275 | $295 | $230 | $240 | $215 | $225 |
| $561 | $719 | $232 | $251 | $197 | $200 | $174 | $184 |
| $809 | $903 | $226 | $229 | $192 | $181 | $171 | $174 |
| $421 | $537 | $189 | $195 | $174 | $174 | $155 | $155 |
| $545 | $710 | $240 | $255 | $210 | $215 | $195 | $205 |
| $399 | $434 | $186 | $199 | $140 | $140 | $134 | $132 |
Additionally, married drivers may receive discounts compared to their single counterparts, and gender can also play a role in rate determination, with some companies offering lower rates to female drivers. Compare how these factors influence the cost of your coverage.
Longview, Texas Auto Insurance Discounts by Provider
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driver, Anti-Theft, Good Student, Paperless Billing |
| Safe Driver, Multi-Policy, Anti-Theft, Good Student, Early Signing |
| Safe Driver, Multi-Policy, Paid-in-Full, Anti-Theft, Homeowner |
| Multi-Policy, Safe Driver, Good Student, Paperless, New Car |
| Multi-Policy, Safe Driver, Defensive Driving, Anti-Theft, Seat Belt Use |
| Safe Driver, Multi-Policy, Anti-Theft, Good Student, Paperless Billing |
| Multi-Policy, Safe Driver, Continuous Coverage, Snapshot (Usage-Based), Homeowner |
| Safe Driver, Multi-Policy, Anti-Theft, Good Student, Defensive Driving |
| Multi-Policy, Safe Driver, Continuous Coverage, Homeowner, New Car |
| Military Affiliation, Safe Driver, Multi-Policy, Defensive Driving, Good Student |
It’s worth noting that some states have regulations that limit the use of gender in determining rates, so the impact may vary depending on where you live. Understanding how marital status and gender factor into your premium can help you make informed decisions when choosing your insurer.
Additionally, considering how your auto insurance deductibles affect your overall premium can further influence your choice. Higher deductibles often lead to lower rates but may require more out-of-pocket expenses in the event of a claim.
Longview, Texas Auto Insurance: Rates Based on Driving Record
Your driving record significantly affects the best Texas auto insurance rates; compare the monthly rates in Longview, Texas, for a lousy record versus a clean record.
Longview, Texas Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $364 | $562 | $586 | $364 |
| $313 | $399 | $350 | $313 |
| $325 | $435 | $390 | $350 |
| $236 | $313 | $260 | $305 |
| $340 | $460 | $410 | $375 |
| $273 | $273 | $404 | $308 |
| $315 | $408 | $367 | $354 |
| $222 | $255 | $302 | $222 |
| $310 | $420 | $380 | $340 |
| $164 | $243 | $287 | $188 |
Even a single traffic violation can cause a noticeable spike in monthly rates. To secure better rates, drivers with bad records may want to consider defensive driving courses or other measures to improve their standing.
Additionally, some insurers in Longview, Texas, may offer forgiveness programs for minor violations, which can help reduce the long-term impact on your rates. Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.
Longview, Texas Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 3,500 |
| Total Claims Per Year | 2,800 |
| Average Claim Size | $6,200 |
| Percentage of Uninsured Drivers | 18% |
| Vehicle Theft Rate | 150 thefts/year |
| Traffic Density | Medium |
| Weather-Related Incidents | High |
These programs can be beneficial if you’ve recently had a minor accident or traffic infraction but want to avoid significant premium hikes. Other features, such as accident forgiveness and safe-driving discounts, can further optimize your coverage.
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Auto Insurance Rates in Longview, Texas: A ZIP Code Breakdown
Quoting auto insurance rates by ZIP code in Longview, Texas, can vary. Compare the monthly cost of auto insurance by ZIP code in Longview, Texas, to see how car insurance rates are affected by location.
Auto insurance rates by ZIP code in Longview, Texas, can vary significantly due to differences in local risk factors and coverage needs. In some ZIP codes, higher rates may reflect increased crime rates or accident frequencies, while others might benefit from lower premiums.
Longview, Texas Auto Insurance Monthly Rates by ZIP Code
| ZIP Code | Monthly Rates |
|---|---|
| 75601 | $460 |
| 75602 | $492 |
| 75603 | $478 |
| 75604 | $463 |
| 75605 | $463 |
Comparing these rates helps you understand how your specific location within Longview impacts your overall insurance costs. This approach also allows you to identify any regional discounts or factors that could affect your premiums.
Get the Best Auto Insurance Quotes in Longview, Texas
Before you buy Longview, Texas, auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Longview, Texas, auto insurance quotes.
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Additionally, understanding car accidents and how they can impact insurance can help you make more informed decisions about the coverage you need.
Longview, Texas Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | B+ | Below national average |
| Weather-Related Risks | B | Occasional storms and flooding |
| Traffic Density | B- | Low to moderate congestion |
| Uninsured Drivers Rate | C+ | Higher uninsured rate |
| Vehicle Theft Rate | C | Moderate theft rate |
By comparing policies, you can identify which insurers offer the best balance of affordability and protection for your needs, such as higher liability limits or comprehensive coverage for added peace of mind.
Additionally, this process allows you to explore valuable discounts, such as those for safe driving, multi-car policies, or loyalty bonuses.
Conducting thorough research not only saves you money in the long run but also ensures you’re partnering with a provider that offers reliable customer service and a smooth claims process.
Ultimately, a little extra effort upfront can lead to long-term savings and greater satisfaction with your coverage.
Frequently Asked Questions
What strategies can help reduce auto insurance costs in Longview?
To reduce your premium, compare quotes, review coverage options, and inquire about available discounts. Improving your driving record and credit score may also help over time (Read more: Does getting an auto insurance quote hurt your credit score?).
How do age, gender, and marital status impact car insurance pricing in TX?
Younger drivers and unmarried individuals often pay higher premiums, while male drivers may see rate differences; understanding these factors can help tailor your policy.
Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
What savings options exist for teen drivers seeking auto insurance in the Longview area?
Yes, comparing quotes and applying for good-student or driver’s education discounts can help lower rates for teens, who generally face higher premiums.
In some cases, if a teen has a history of accidents or violations, they may be classified under “High-Risk Auto Insurance,” which could significantly impact their premium costs.
In what ways does your driving record influence car insurance premiums in Longview?
Seniors can benefit by comparing quotes from multiple insurers and choosing coverage options suited to their driving habits for the best rates.
Which factors play a role in determining car insurance rates in TX?
A clean record often results in lower premiums, while traffic violations or accidents can lead to higher rates. Safe driving is crucial for affordability.
What factors influence auto insurance rates in Longview, Texas?
Rates are influenced by driving record, age, credit score, coverage type, and vehicle type. These factors impact premiums, so understanding them helps in making cost-effective choices.
Understanding these factors becomes even more critical when opting for comprehensive auto insurance and exploring the various types of auto insurance coverage, as they can affect not only your premium but also the extent of coverage you receive for non-collision-related incidents.
What actions can I take to secure the lowest auto insurance rates in this region?
To find the best Longview, Texas auto insurance rates, compare quotes from multiple providers, consider discounts for bundling policies or safe driving, and review coverage options to ensure you meet your needs.
Are there specific discounts available for drivers in Longview?
Yes, discounts for safe driving, bundling policies, military service, and low mileage are commonly offered, so ask providers about options.
How should I decide on the right car insurance coverage limits in Texas?
Select limits based on state minimums and your own risk tolerance; higher limits offer more protection but may increase premiums.
To ensure adequate protection in case of an accident, it’s essential to evaluate your needs and risks. Higher limits on your “Bodily Injury Liability Insurance” can provide better coverage for your situation.
What options are available for high-risk drivers to obtain coverage in Longview?
Yes, some insurers provide coverage for high-risk drivers, though rates may be higher. Comparing policies helps find the most affordable options.
When getting quotes, be sure to ask about available discounts. Enter your ZIP code below to explore which companies offer the cheapest auto insurance rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.