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Get Cheap Car Insurance in Harvard, TX
We monitor insurance prices, helping the average driver in Harvard save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Harvard
The chart below shows the cheapest car insurance company in Harvard 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.
| Harvard Insurer | Monthly Cost |
|---|---|
| Clearcover | $42 |
| Mile Auto | $55 |
| Progressive | $56 |
| State Farm | $61 |
Savings for Every Kind of Harvard Driver
Based on our extensive insurance data, we know the average Harvard 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 $334 per year by choosing the right vehicle insurance company. Some Harvard residents are paying out over $1,623 extra every year for auto insurance in Harvard. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Harvard, TX Savings / Yr. |
|---|---|
$334 |
|
$764 |
|
$674 |
|
$772 |
|
$1,175 |
|
$444 |
|
$485 |
Harvard Car Insurance vs. Texas
People living in Harvard pay an average of 16.92% less than the typical driver in the state. The average driver in Harvard can expect to pay about $967 per year, or $1,623 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Harvard for most people.
Car Insurance Prices by Harvard Neighborhood
Insurance Prices
Where is insurance cheapest within Harvard?
The map shows insurance prices in and around Harvard, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $64 per year within the city boundaries, with insurance premiums ranging from a high of $1,668 to a low of $1,604. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Harvard.Pick the Best Car Insurance Company for You in Harvard
The best car insurance provider for most drivers in Harvard
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $334 over the average Harvard car insurance company.
The best car insurance provider for Harvard drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $764 over the competition.
The best car insurance company for Harvard drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $674 better than other car insurance companies.
The best auto insurance for Harvard drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $772 less each year.
The least expensive car insurance company for new and young drivers in Harvard
In Harvard, State Farm costs young drivers $1,175 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Harvard
State Farm gave the largest car insurance discounts to married couples, averaging $444 saved each year compared to an average Harvard couple's premiums.
The cheapest car insurance in Harvard for drivers with bad credit
The best Harvard car insurance company for customer service
Recent price drops
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The cheapest large national provider in Harvard
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Harvard driver can expect to pay about $129 per month.
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 Harvard, 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.Auto Insurance Prices in and Around Harvard
What Influences the Cost of Car Insurance in Harvard?
On average, car insurance in Harvard 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 Harvard is 28 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 Harvard are about average 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.
- Harvard 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 Harvard is $81 per month for minimum coverage and $135 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
- Mount Pleasant: Insurance costs 3.64% more
- Pittsburg: Insurance costs 2.22% more
- Rocky Mound: Insurance costs 0.68% more
- Monticello: Insurance costs 0.74% more
- Ebenezer: Insurance costs the same
- Cookville: Insurance costs 0.06% more
- Cason: Insurance costs 2.71% more
- Pine: Insurance costs 2.34% more
- Daingerfield: Insurance costs 4.37% more
- Winfield: Insurance costs 0.06% less
Cities with Similar Populations
- Shalersville: Insurance costs 32.04% less
- Greeleyville: Insurance costs 8.38% more
- Grissom: Insurance costs 22.06% less
- Haines: Insurance costs 23.84% less
- Haskins: Insurance costs 35.80% less
- Landisville: Insurance costs 12.57% more
- Lummi Island: Insurance costs 16.88% less
- Millerton: Insurance costs 17.81% less
- Sawyer: Insurance costs 67.16% more
- Seeley Lake: Insurance costs 3.45% less