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Get Cheap Car Insurance in Pecan Plantation, TX

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

 

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The Cheapest Minimum Coverage in Pecan Plantation

The chart below shows the cheapest car insurance company in Pecan Plantation 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.

 
Pecan Plantation Insurer Monthly Cost
Clearcover $44
Mile Auto $57
Progressive $59
State Farm $63

Savings for Every Kind of Pecan Plantation Driver

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

Based on our extensive insurance data, we know the average Pecan Plantation 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 $348 per year by choosing the right vehicle insurance company. Some Pecan Plantation residents are paying out over $1,693 extra every year for auto insurance in Pecan Plantation. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Pecan Plantation Car Insurance vs. Texas

People living in Pecan Plantation pay an average of 13.35% less than the typical driver in the state. The average driver in Pecan Plantation can expect to pay about $1,009 per year, or $1,693 for full coverage.

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

Car Insurance Prices by Pecan Plantation Neighborhood

Pecan Plantation, TX map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Pecan Plantation?

The map shows insurance prices in and around Pecan Plantation, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $169 per year within the city boundaries, with insurance premiums ranging from a high of $1,775 to a low of $1,606. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Pecan Plantation.

Pick the Best Car Insurance Company for You in Pecan Plantation

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 Pecan Plantation insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Pecan Plantation

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $348 over the average Pecan Plantation car insurance company.

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We use the average good driver, paying $112 per month, as our baseline for pricing in Pecan Plantation. 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 Pecan Plantation drivers with accidents on their records

In Pecan Plantation getting into an accident will raise premiums an average 32% for a yearly cost of $2,497. That's $804 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 $797 over the competition.

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The best car insurance company for Pecan Plantation drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $703 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 Pecan Plantation, tickets raise premiums on new quotes about $595. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,288 per year.

The best auto insurance for Pecan Plantation drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,356 per year in auto insurance premiums, which was $663 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 $805 less each year.

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The least expensive car insurance company for new and young drivers in Pecan Plantation

In Pecan Plantation, State Farm costs young drivers $1,225 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 Pecan Plantation. With an average cost of $4,692 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 Pecan Plantation

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $58. State Farm, Geico, and Chubb provided the largest discounts to couples living in Pecan Plantation.

State Farm gave the largest car insurance discounts to married couples, averaging $463 saved each year compared to an average Pecan Plantation couple's premiums.

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The cheapest car insurance in Pecan Plantation for drivers with bad credit

People with poor credit saved an average of $506 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $684 every year. Premiums for people with poor credit were about $2,377 in Pecan Plantation. 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 Pecan Plantation car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Pecan Plantation, 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 Pecan Plantation.

Nationwide was the best company for customer service in Pecan Plantation 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 Pecan Plantation, 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 Pecan Plantation. 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 Pecan Plantation

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 5.7% of Pecan Plantation 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 Pecan Plantation 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 Pecan Plantation, 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 Pecan Plantation

What Influences the Cost of Car Insurance in Pecan Plantation?

On average, car insurance in Pecan Plantation 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 Pecan Plantation is 56 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 Pecan Plantation are among the highest 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 B according to CrimeGrade.org.
  • Pecan Plantation is one of the least populated areas 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 Pecan Plantation is $84 per month for minimum coverage and $141 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.

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