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Get Cheap Car Insurance in Fowlerton, TX

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

 

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The Cheapest Minimum Coverage in Fowlerton

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

 
Fowlerton Insurer Monthly Cost
Clearcover $44
Mile Auto $57
Progressive $59
State Farm $63

Savings for Every Kind of Fowlerton Driver

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

Based on our extensive insurance data, we know the average Fowlerton 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 Fowlerton residents are paying out over $1,684 extra every year for auto insurance in Fowlerton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Fowlerton, TX Savings / Yr.
Drivers with good records
$346
Drivers with accidents
$793
Drivers with speeding tickets
$699
Drivers with a DUI conviction
$800
Young drivers
$1,218
Married drivers
$460
Drivers with bad credit
$503

Fowlerton Car Insurance vs. Texas

People living in Fowlerton pay an average of 13.83% less than the typical driver in the state. The average driver in Fowlerton can expect to pay about $1,003 per year, or $1,684 for full coverage.

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

Car Insurance Prices by Fowlerton Neighborhood

Fowlerton, 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 Fowlerton?

The map shows insurance prices in and around Fowlerton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $37 per year within the city boundaries, with insurance premiums ranging from a high of $1,691 to a low of $1,654. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Fowlerton.

Pick the Best Car Insurance Company for You in Fowlerton

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

The best car insurance provider for most drivers in Fowlerton

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

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We use the average good driver, paying $111 per month, as our baseline for pricing in Fowlerton. 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 Fowlerton drivers with accidents on their records

In Fowlerton getting into an accident will raise premiums an average 32% for a yearly cost of $2,483. That's $800 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 $793 over the competition.

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The best car insurance company for Fowlerton drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $699 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 Fowlerton, tickets raise premiums on new quotes about $592. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,276 per year.

The best auto insurance for Fowlerton drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,343 per year in auto insurance premiums, which was $659 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 $800 less each year.

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

In Fowlerton, State Farm costs young drivers $1,218 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 Fowlerton. With an average cost of $4,666 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 Fowlerton

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 Fowlerton.

State Farm gave the largest car insurance discounts to married couples, averaging $460 saved each year compared to an average Fowlerton couple's premiums.

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The cheapest car insurance in Fowlerton for drivers with bad credit

People with poor credit saved an average of $503 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $680 every year. Premiums for people with poor credit were about $2,364 in Fowlerton. 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 Fowlerton car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 39% of Fowlerton 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 Fowlerton 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 Fowlerton, 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 Fowlerton

What Influences the Cost of Car Insurance in Fowlerton?

On average, car insurance in Fowlerton 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 Fowlerton is 30 minutes, which is a little less 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 Fowlerton are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Fowlerton is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Fowlerton is $84 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.

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