Best Katy, Texas Auto Insurance in 2024
The average Katy, TX auto insurance rates are $367 per month. The minimum auto insurance in Katy is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Katy, Texas, compare quotes from multiple companies.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Sep 10, 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.
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: Sep 10, 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.
On This Page
- Average auto insurance rates in Katy, TX for senior drivers are $2,646 per year
- The average commute length in Katy is 31.4 minutes
- The most expensive auto insurance company in Katy for teen drivers is American Family
Katy, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Katy can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Katy, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Katy to other Texas cities, including El Paso auto insurance rates, Houston auto insurance rates, and Fort Worth auto insurance rates to see how Katy, Texas auto insurance rates stack up.
Before you buy Katy, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Katy, Texas auto insurance quotes.
Minimum Auto Insurance in Katy, Texas
Katy, 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 required auto insurance in Katy, Texas.
Minimum Required Auto Insurance Coverage in Katy, 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 |
Read More: Best Pay-As-You-Go Auto Insurance in Texas
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Cheap Katy, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Katy, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Katy, 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 | $3,592 | $3,610 | $3,543 | $3,543 | $9,583 | $11,521 | $4,422 | $4,584 |
| American Family | $3,708 | $4,196 | $3,593 | $4,182 | $11,064 | $14,395 | $5,583 | $6,381 |
| Geico | $2,670 | $2,903 | $2,598 | $2,990 | $6,003 | $6,182 | $2,897 | $2,866 |
| Nationwide | $2,493 | $2,531 | $2,202 | $2,329 | $7,164 | $9,191 | $2,939 | $3,179 |
| Progressive | $2,649 | $2,511 | $2,363 | $2,402 | $11,363 | $12,711 | $3,147 | $3,196 |
| State Farm | $2,203 | $2,203 | $1,967 | $1,967 | $5,354 | $6,833 | $2,401 | $2,469 |
| USAA | $1,769 | $1,775 | $1,696 | $1,679 | $5,032 | $5,463 | $2,360 | $2,519 |
Cheap Katy, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Katy, Texas is a challenge. Take a look at the annual teen auto insurance rates in Katy, Texas.
Annual Auto Insurance Rates for Teen Drivers in Katy, Texas
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,583 | $11,521 |
| American Family | $11,064 | $14,395 |
| Geico | $6,003 | $6,182 |
| Nationwide | $7,164 | $9,191 |
| Progressive | $11,363 | $12,711 |
| State Farm | $5,354 | $6,833 |
| USAA | $5,032 | $5,463 |
Cheap Katy, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Katy, Texas? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Katy, Texas
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,543 | $3,543 |
| American Family | $3,593 | $4,182 |
| Geico | $2,598 | $2,990 |
| Nationwide | $2,202 | $2,329 |
| Progressive | $2,363 | $2,402 |
| State Farm | $1,967 | $1,967 |
| USAA | $1,696 | $1,679 |
Cheap Katy, Texas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Katy, Texas compared to the annual auto insurance rates with a clean record in Katy, Texas.
Annual Katy, Texas Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,272 | $6,682 | $6,974 | $4,272 |
| American Family | $6,006 | $7,766 | $6,773 | $6,006 |
| Geico | $3,083 | $4,108 | $3,389 | $3,974 |
| Nationwide | $3,471 | $3,471 | $5,150 | $3,922 |
| Progressive | $4,390 | $5,707 | $5,133 | $4,941 |
| State Farm | $2,811 | $3,236 | $3,839 | $2,811 |
| USAA | $2,070 | $3,071 | $3,628 | $2,377 |
Cheap Katy, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Katy, Texas is not easy. Compare the annual rates for DUI auto insurance in Katy, Texas to find the best deal.
Annual Auto Insurance Rates After a DUI in Katy, Texas
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,974 |
| American Family | $6,773 |
| Geico | $3,389 |
| Nationwide | $5,150 |
| Progressive | $5,133 |
| State Farm | $3,839 |
| USAA | $3,628 |
Cheap Katy, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Katy, Texas annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Katy, Texas
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,047 | $5,170 | $4,432 |
| American Family | $8,934 | $5,867 | $5,112 |
| Geico | $5,629 | $3,176 | $2,110 |
| Nationwide | $4,800 | $3,859 | $3,351 |
| Progressive | $5,668 | $4,909 | $4,552 |
| State Farm | $4,491 | $2,799 | $2,233 |
| USAA | $4,082 | $2,369 | $1,909 |
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Cheap Katy, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Katy, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Katy, Texas to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Katy, Texas
| ZIP Code | Average Annual Rates |
|---|---|
| 77449 | $6,799 |
| 77450 | $6,185 |
| 77493 | $6,414 |
| 77494 | $6,031 |
Cheap Katy, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Katy, Texas auto insurance. Find the cheapest annual Katy, Texas auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Katy, Texas
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,410 | $5,689 |
| American Family | $6,638 | $6,638 |
| Geico | $3,572 | $3,705 |
| Nationwide | $4,003 | $4,003 |
| Progressive | $5,043 | $5,043 |
| State Farm | $3,174 | $3,174 |
| USAA | $2,751 | $2,822 |
Cheap Katy, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Katy, Texas? Check out the comparison of annual Katy, Texas auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Katy, Texas
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,404 | $5,495 | $5,751 |
| American Family | $6,084 | $6,337 | $7,492 |
| Geico | $3,420 | $3,588 | $3,908 |
| Nationwide | $4,300 | $3,834 | $3,876 |
| Progressive | $4,790 | $5,020 | $5,318 |
| State Farm | $2,995 | $3,164 | $3,364 |
| USAA | $2,683 | $2,774 | $2,903 |
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Best By Category: Cheapest Auto Insurance in Katy, Texas
Compare the cheapest auto insurance companies in Katy, Texas in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Katy, Texas
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
The Cheapest Katy, Texas Auto Insurance Companies
What auto insurance companies in Katy, Texas are the cheapest? Compare the top Katy, Texas auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Katy, Texas
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,550 |
| American Family | $6,638 |
| Geico | $3,639 |
| Nationwide | $4,003 |
| Progressive | $5,043 |
| State Farm | $3,174 |
| USAA | $2,787 |
What affects auto insurance rates in Katy, Texas?
There are a lot of reasons why auto insurance rates in Katy, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Katy, Texas. Many local factors may affect your Katy auto insurance rates.
Katy Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Katy, Texas auto theft statistics, there have been 29 auto thefts in the city.
Katy Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Katy, Texas commute length is 31.4 minutes according to City-Data.
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Compare Katy, Texas Auto Insurance Quotes
Before you buy Katy, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Katy, Texas auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Katy, Texas?
According to Texas auto insurance laws, the minimum auto insurance coverage required in Katy, Texas is 30/60/25. This means you must have at least $30,000 bodily injury liability coverage per person, $60,000 bodily injury liability coverage per accident, and $25,000 property damage liability coverage.
How can I find cheap auto insurance in Katy, Texas?
To find the best cheap auto insurance in Katy, Texas, it’s recommended to compare quotes from multiple insurance companies. By comparing rates, you can find the most affordable option that meets your coverage needs. You can use our free quote tool by entering your ZIP code to compare quotes from different companies.
How does age, gender, and marital status affect auto insurance rates in Katy, Texas?
Age, gender, and marital status can impact auto insurance rates in Katy, Texas. Insurance providers consider these factors when determining premiums. Generally, younger drivers, especially teenagers, tend to have higher rates. Additionally, males often have higher rates compared to females. Married individuals may receive lower rates as they are considered to be more responsible drivers.
What are the average auto insurance rates for teen drivers in Katy, Texas?
Teen drivers usually face higher auto insurance rates due to their lack of driving experience. In Katy, Texas, the annual average rates for teen auto insurance can be higher compared to other age groups. It’s important to shop around and compare quotes to find the best possible rates for teen drivers.
How does a driving record affect auto insurance rates in Katy, Texas?
Your driving record plays a significant role in determining auto insurance rates in Katy, Texas. A clean driving record with no accidents or violations generally results in lower rates. On the other hand, a history of accidents, tickets, or DUI convictions can lead to higher premiums. It’s essential to maintain a good driving record to qualify for better insurance rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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.