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Get Cheap Car Insurance in Hill County, TX

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

 

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The Cheapest Minimum Coverage in Hill County

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

 
Hill County Insurer Monthly Cost
Clearcover $42
Mile Auto $55
Progressive $56
State Farm $61

Savings for Every Kind of Hill County Driver

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

Based on our extensive insurance data, we know the average Hill 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 $334 per year by choosing the right vehicle insurance company. Some Hill County residents are paying out over $1,622 extra every year for auto insurance in Hill County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Hill County, TX Savings / Yr.
Drivers with good records
$334
Drivers with accidents
$764
Drivers with speeding tickets
$673
Drivers with a DUI conviction
$771
Young drivers
$1,174
Married drivers
$443
Drivers with bad credit
$485

Hill County Car Insurance vs. Texas

People living in Hill County pay an average of 16.98% less than the typical driver in the state. The average driver in Hill County can expect to pay about $966 per year, or $1,622 for full coverage.

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

Car Insurance Prices by Hill County Neighborhood

Hill 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 Hill County?

The map shows insurance prices in and around Hill County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $299 per year within the county boundaries, with insurance premiums ranging from a high of $1,843 to a low of $1,544. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Hill County.

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

The best car insurance provider for most drivers in Hill County

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $334 over the average Hill County car insurance company.

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We use the average good driver, paying $107 per month, as our baseline for pricing in Hill 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 Hill County drivers with accidents on their records

In Hill County getting into an accident will raise premiums an average 32% for a yearly cost of $2,392. That's $770 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 $764 over the competition.

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

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $673 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 Hill County, tickets raise premiums on new quotes about $570. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,192 per year.

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

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,257 per year in auto insurance premiums, which was $635 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 $771 less each year.

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

In Hill County, State Farm costs young drivers $1,174 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 Hill County. With an average cost of $4,495 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 Hill County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $56. State Farm, Geico, and Chubb provided the largest discounts to couples living in Hill County.

State Farm gave the largest car insurance discounts to married couples, averaging $443 saved each year compared to an average Hill County couple's premiums.

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

People with poor credit saved an average of $485 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $655 every year. Premiums for people with poor credit were about $2,277 in Hill 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 Hill County car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 27% of Hill 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 Hill 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 Hill 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.
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Auto Insurance Prices in and Around Hill County

What Influences the Cost of Car Insurance in Hill County?

On average, car insurance in Hill 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 Hill County is 36 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 Hill County are higher than 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.
  • Hill County has an average population density 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 Hill County 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 Counties

Counties with Similar Populations

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