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Get Cheap Car Insurance in Caldwell County, TX

We monitor insurance prices, helping the average driver in Caldwell County save up to 34.2% on car insurance.

 

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The Cheapest Minimum Coverage in Caldwell County

The chart below shows the cheapest car insurance company in Caldwell County for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.

 
Caldwell County Insurer Monthly Cost
Clearcover $43
Mile Auto $57
Progressive $58
State Farm $63

Savings for Every Kind of Caldwell County Driver

The table shows how much the average auto insurance customer in Caldwell County might save by following our recommendations.

Based on our extensive insurance data, we know the average Caldwell County driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $346 per year by choosing the right vehicle insurance company. Some Caldwell County residents are paying out over $1,681 extra every year for auto insurance in Caldwell County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Caldwell County, TX Savings / Yr.
Drivers with good records
$346
Drivers with accidents
$791
Drivers with speeding tickets
$698
Drivers with a DUI conviction
$799
Young drivers
$1,216
Married drivers
$459
Drivers with bad credit
$502

Caldwell County Car Insurance vs. Texas

People living in Caldwell County pay an average of 13.97% less than the typical driver in the state. The average driver in Caldwell County can expect to pay about $1,001 per year, or $1,681 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Caldwell County for most people.

Car Insurance Prices by Caldwell County Neighborhood

Caldwell County, TX map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Caldwell County?

The map shows insurance prices in and around Caldwell County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $466 per year within the county boundaries, with insurance premiums ranging from a high of $2,055 to a low of $1,589. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southwest parts of Caldwell County.

Pick the Best Car Insurance Company for You in Caldwell County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Caldwell County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Caldwell County

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $346 over the average Caldwell County car insurance company.

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We use the average good driver, paying $111 per month, as our baseline for pricing in Caldwell County. State Farm, Progressive, and Mile Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Caldwell County drivers with accidents on their records

In Caldwell County getting into an accident will raise premiums an average 32% for a yearly cost of $2,479. That's $798 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Mile Auto, and Farmers Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $791 over the competition.

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The best car insurance company for Caldwell County drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $698 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Caldwell County, tickets raise premiums on new quotes about $591. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,272 per year.

The best auto insurance for Caldwell County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,339 per year in auto insurance premiums, which was $658 more than a driver with no major issues. Mile Auto, Kemper, and Farmers Insurance penalized their customers the least for a DUI.

Getting a quote from Mile Auto may cost the average person with a DUI about $799 less each year.

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The least expensive car insurance company for new and young drivers in Caldwell County

In Caldwell County, State Farm costs young drivers $1,216 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 64% more for insurance than more mature drivers in Caldwell County. With an average cost of $4,658 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Chubb try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Caldwell County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $58. State Farm, Geico, and Chubb provided the largest discounts to couples living in Caldwell County.

State Farm gave the largest car insurance discounts to married couples, averaging $459 saved each year compared to an average Caldwell County couple's premiums.

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The cheapest car insurance in Caldwell County for drivers with bad credit

People with poor credit saved an average of $502 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $679 every year. Premiums for people with poor credit were about $2,360 in Caldwell County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Farmers Insurance, and Clearcover.

The best Caldwell County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Caldwell County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farm Bureau as the best provider in Caldwell County.

Nationwide was the best company for customer service in Caldwell County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Caldwell County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Caldwell County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Caldwell County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 33% of Caldwell County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Caldwell County driver can expect to pay about $129 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Caldwell County, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.
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Auto Insurance Prices in and Around Caldwell County

What Influences the Cost of Car Insurance in Caldwell County?

On average, car insurance in Caldwell County is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Caldwell County is 43 minutes, which is far more than average for a driver in the state.
  • Texas state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Caldwell County are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
  • Caldwell County is one of the least populated areas in the state. The county’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Caldwell County is $83 per month for minimum coverage and $140 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Caldwell County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Caldwell County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.