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Get Cheap Car Insurance in Hansford County, TX

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

 

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The Cheapest Minimum Coverage in Hansford County

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

 
Hansford County Insurer Monthly Cost
Clearcover $48
Mile Auto $63
Progressive $64
State Farm $69

Savings for Every Kind of Hansford County Driver

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

Based on our extensive insurance data, we know the average Hansford 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 $380 per year by choosing the right vehicle insurance company. Some Hansford County residents are paying out over $1,846 extra every year for auto insurance in Hansford County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Hansford County, TX Savings / Yr.
Drivers with good records
$380
Drivers with accidents
$869
Drivers with speeding tickets
$766
Drivers with a DUI conviction
$878
Young drivers
$1,336
Married drivers
$504
Drivers with bad credit
$552

Hansford County Car Insurance vs. Texas

People living in Hansford County pay an average of 5.54% less than the typical driver in the state. The average driver in Hansford County can expect to pay about $1,100 per year, or $1,846 for full coverage.

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

Car Insurance Prices by Hansford County Neighborhood

Hansford 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 Hansford County?

The map shows insurance prices in and around Hansford County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $151 per year within the county boundaries, with insurance premiums ranging from a high of $1,917 to a low of $1,766. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the West parts of Hansford County.

Pick the Best Car Insurance Company for You in Hansford 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 Hansford County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Hansford County

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $380 over the average Hansford County car insurance company.

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We use the average good driver, paying $122 per month, as our baseline for pricing in Hansford 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 Hansford County drivers with accidents on their records

In Hansford County getting into an accident will raise premiums an average 32% for a yearly cost of $2,722. That's $877 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 $869 over the competition.

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

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $766 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 Hansford County, tickets raise premiums on new quotes about $649. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,495 per year.

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

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,568 per year in auto insurance premiums, which was $723 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 $878 less each year.

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

In Hansford County, State Farm costs young drivers $1,336 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 Hansford County. With an average cost of $5,115 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 Hansford County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $63. State Farm, Geico, and Chubb provided the largest discounts to couples living in Hansford County.

State Farm gave the largest car insurance discounts to married couples, averaging $504 saved each year compared to an average Hansford County couple's premiums.

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

People with poor credit saved an average of $552 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $745 every year. Premiums for people with poor credit were about $2,591 in Hansford 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 Hansford County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Hansford 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 Hansford County.

Nationwide was the best company for customer service in Hansford 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 Hansford 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 Hansford 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 Hansford County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 24% of Hansford 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 Hansford 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 Hansford 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Hansford County

What Influences the Cost of Car Insurance in Hansford County?

On average, car insurance in Hansford 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 Hansford County is 24 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 Hansford County are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
  • Hansford County is a fairly densely populated area in the state. The county’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 Hansford County is $92 per month for minimum coverage and $154 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 Hansford County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Hansford 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.