Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Kay Bee Heights, TX

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

 

Start Saving

;

The Cheapest Minimum Coverage in Kay Bee Heights

The chart below shows the cheapest car insurance company in Kay Bee Heights 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.

 
Kay Bee Heights Insurer Monthly Cost
Clearcover $45
Mile Auto $58
Progressive $60
State Farm $65

Savings for Every Kind of Kay Bee Heights Driver

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

Based on our extensive insurance data, we know the average Kay Bee Heights 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 $355 per year by choosing the right vehicle insurance company. Some Kay Bee Heights residents are paying out over $1,726 extra every year for auto insurance in Kay Bee Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Kay Bee Heights, TX Savings / Yr.
Drivers with good records
$355
Drivers with accidents
$813
Drivers with speeding tickets
$716
Drivers with a DUI conviction
$821
Young drivers
$1,249
Married drivers
$472
Drivers with bad credit
$516

Kay Bee Heights Car Insurance vs. Texas

People living in Kay Bee Heights pay an average of 11.68% less than the typical driver in the state. The average driver in Kay Bee Heights can expect to pay about $1,028 per year, or $1,726 for full coverage.

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

Car Insurance Prices by Kay Bee Heights Neighborhood

Kay Bee Heights, TX map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Kay Bee Heights?

The map shows insurance prices in and around Kay Bee Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $272 per year within the city boundaries, with insurance premiums ranging from a high of $1,871 to a low of $1,599. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Central parts of Kay Bee Heights.

Pick the Best Car Insurance Company for You in Kay Bee Heights

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 Kay Bee Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Kay Bee Heights

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $355 over the average Kay Bee Heights car insurance company.

Visit Site

We use the average good driver, paying $114 per month, as our baseline for pricing in Kay Bee Heights. 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 Kay Bee Heights drivers with accidents on their records

In Kay Bee Heights getting into an accident will raise premiums an average 32% for a yearly cost of $2,545. That's $820 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 $813 over the competition.

Visit Site

The best car insurance company for Kay Bee Heights drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $716 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Kay Bee Heights, tickets raise premiums on new quotes about $607. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,333 per year.

The best auto insurance for Kay Bee Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,401 per year in auto insurance premiums, which was $676 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 $821 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Kay Bee Heights

In Kay Bee Heights, State Farm costs young drivers $1,249 less each year versus the average auto insurance bill.

Visit Site

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 Kay Bee Heights. With an average cost of $4,783 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 Kay Bee Heights

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $59. State Farm, Geico, and Chubb provided the largest discounts to couples living in Kay Bee Heights.

State Farm gave the largest car insurance discounts to married couples, averaging $472 saved each year compared to an average Kay Bee Heights couple's premiums.

Visit Site

The cheapest car insurance in Kay Bee Heights for drivers with bad credit

People with poor credit saved an average of $516 with Farmers Insurance.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $697 every year. Premiums for people with poor credit were about $2,423 in Kay Bee Heights. 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 Kay Bee Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Kay Bee Heights, 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 Kay Bee Heights.

Nationwide was the best company for customer service in Kay Bee Heights according to the NAIC.

Visit Site

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 Kay Bee Heights, which was better than other insurers.

Visit Site

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 Kay Bee Heights. 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 Kay Bee Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 64% of Kay Bee Heights 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 Kay Bee Heights driver can expect to pay about $129 per month.

Visit Site

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 Kay Bee Heights, 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 Kay Bee Heights

What Influences the Cost of Car Insurance in Kay Bee Heights?

On average, car insurance in Kay Bee Heights 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 Kay Bee Heights is 22 minutes, which is far 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 Kay Bee Heights are among the lowest 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 D+ according to CrimeGrade.org.
  • Kay Bee Heights has an average population density 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 Kay Bee Heights is $86 per month for minimum coverage and $144 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

Cities with Similar Populations

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