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Get Cheap Car Insurance in Hempstead, TX
We monitor insurance prices, helping the average driver in Hempstead save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Hempstead
The chart below shows the cheapest car insurance company in Hempstead 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.
| Hempstead Insurer | Monthly Cost |
|---|---|
| Clearcover | $44 |
| Mile Auto | $58 |
| Progressive | $59 |
| State Farm | $64 |
Savings for Every Kind of Hempstead Driver
Based on our extensive insurance data, we know the average Hempstead 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 $349 per year by choosing the right vehicle insurance company. Some Hempstead residents are paying out over $1,698 extra every year for auto insurance in Hempstead. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hempstead, TX Savings / Yr. |
|---|---|
$349 |
|
$800 |
|
$705 |
|
$807 |
|
$1,229 |
|
$464 |
|
$508 |
Hempstead Car Insurance vs. Texas
People living in Hempstead pay an average of 13.09% less than the typical driver in the state. The average driver in Hempstead can expect to pay about $1,012 per year, or $1,698 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Hempstead for most people.
Car Insurance Prices by Hempstead Neighborhood
Insurance Prices
Where is insurance cheapest within Hempstead?
The map shows insurance prices in and around Hempstead, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $178 per year within the city boundaries, with insurance premiums ranging from a high of $1,787 to a low of $1,609. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northeast parts of Hempstead.Pick the Best Car Insurance Company for You in Hempstead
The best car insurance provider for most drivers in Hempstead
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $349 over the average Hempstead car insurance company.
The best car insurance provider for Hempstead 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 $800 over the competition.
The best car insurance company for Hempstead drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $705 better than other car insurance companies.
The best auto insurance for Hempstead drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $807 less each year.
The least expensive car insurance company for new and young drivers in Hempstead
In Hempstead, State Farm costs young drivers $1,229 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hempstead
State Farm gave the largest car insurance discounts to married couples, averaging $464 saved each year compared to an average Hempstead couple's premiums.
The cheapest car insurance in Hempstead for drivers with bad credit
The best Hempstead car insurance company for customer service
Recent price drops
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The cheapest large national provider in Hempstead
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Hempstead 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 Hempstead, 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 Hempstead
What Influences the Cost of Car Insurance in Hempstead?
On average, car insurance in Hempstead 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 Hempstead is 35 minutes, which is about the national 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 Hempstead are lower than average 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.
- Hempstead has an average population density 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 Hempstead is $84 per month for minimum coverage and $142 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
- Pine Island: Insurance costs 3.71% more
- Prairie View: Insurance costs 7.01% more
- Cochran: Insurance costs 0.47% more
- Raccoon Bend: Insurance costs 3.12% less
- Waller: Insurance costs 3.30% less
- Sauney Stand: Insurance costs 3.71% less
- Monaville: Insurance costs 1.94% less
- Chappell Hill: Insurance costs 3.47% less
- Burleigh: Insurance costs 5.01% less
- Hockley: Insurance costs 1.41% more
Cities with Similar Populations
- River Oaks: Insurance costs 10.31% more
- Millstadt: Insurance costs 14.49% less
- Milltown: Insurance costs 8.01% more
- Milton: Insurance costs 30.27% less
- Milton: Insurance costs 9.36% less
- Monee: Insurance costs 10.95% less
- Rhome: Insurance costs 0.59% less
- Richland Hills: Insurance costs 5.36% more
- Richmond Heights: Insurance costs 13.55% more
- Richmond: Insurance costs 76.86% more