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Get Cheap Car Insurance in Cheneyboro, TX

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

 

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The Cheapest Minimum Coverage in Cheneyboro

The chart below shows the cheapest car insurance company in Cheneyboro 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.

 
Cheneyboro Insurer Monthly Cost
Clearcover $40
Mile Auto $53
Progressive $54
State Farm $58

Savings for Every Kind of Cheneyboro Driver

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

Based on our extensive insurance data, we know the average Cheneyboro 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 $321 per year by choosing the right vehicle insurance company. Some Cheneyboro residents are paying out over $1,558 extra every year for auto insurance in Cheneyboro. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Cheneyboro, TX Savings / Yr.
Drivers with good records
$321
Drivers with accidents
$734
Drivers with speeding tickets
$647
Drivers with a DUI conviction
$741
Young drivers
$1,127
Married drivers
$426
Drivers with bad credit
$466

Cheneyboro Car Insurance vs. Texas

People living in Cheneyboro pay an average of 20.26% less than the typical driver in the state. The average driver in Cheneyboro can expect to pay about $928 per year, or $1,558 for full coverage.

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

Car Insurance Prices by Cheneyboro Neighborhood

Cheneyboro, 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 Cheneyboro?

The map shows insurance prices in and around Cheneyboro, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,558 to a low of $1,558. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Cheneyboro.

Pick the Best Car Insurance Company for You in Cheneyboro

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 Cheneyboro insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Cheneyboro

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $321 over the average Cheneyboro car insurance company.

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We use the average good driver, paying $103 per month, as our baseline for pricing in Cheneyboro. 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 Cheneyboro drivers with accidents on their records

In Cheneyboro getting into an accident will raise premiums an average 32% for a yearly cost of $2,298. That's $740 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 $734 over the competition.

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The best car insurance company for Cheneyboro drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $647 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 Cheneyboro, tickets raise premiums on new quotes about $548. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,106 per year.

The best auto insurance for Cheneyboro drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,168 per year in auto insurance premiums, which was $610 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 $741 less each year.

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

In Cheneyboro, State Farm costs young drivers $1,127 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 Cheneyboro. With an average cost of $4,318 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 Cheneyboro

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $53. State Farm, Geico, and Chubb provided the largest discounts to couples living in Cheneyboro.

State Farm gave the largest car insurance discounts to married couples, averaging $426 saved each year compared to an average Cheneyboro couple's premiums.

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The cheapest car insurance in Cheneyboro for drivers with bad credit

People with poor credit saved an average of $466 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $629 every year. Premiums for people with poor credit were about $2,187 in Cheneyboro. 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 Cheneyboro car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Cheneyboro, 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 Cheneyboro.

Nationwide was the best company for customer service in Cheneyboro 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 Cheneyboro, 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 Cheneyboro. 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 Cheneyboro

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 18% of Cheneyboro residents who are renting, and don't plan to be in the city 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 Cheneyboro 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 Cheneyboro, 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 Cheneyboro

What Influences the Cost of Car Insurance in Cheneyboro?

On average, car insurance in Cheneyboro 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 city are influenced by the following factors:

  • The average commute time in Cheneyboro is 42 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 Cheneyboro are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
  • Cheneyboro is a lightly populated area in the state. The city’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 Cheneyboro is $77 per month for minimum coverage and $130 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 Cities

Cities with Similar Populations

* Who is the average Cheneyboro driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Cheneyboro 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.