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Get Cheap Car Insurance in Rhineland, TX

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

 

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The Cheapest Minimum Coverage in Rhineland

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

 
Rhineland Insurer Monthly Cost
Clearcover $44
Mile Auto $58
Progressive $59
State Farm $64

Savings for Every Kind of Rhineland Driver

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

Based on our extensive insurance data, we know the average Rhineland 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 $351 per year by choosing the right vehicle insurance company. Some Rhineland residents are paying out over $1,708 extra every year for auto insurance in Rhineland. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Rhineland, TX Savings / Yr.
Drivers with good records
$351
Drivers with accidents
$804
Drivers with speeding tickets
$709
Drivers with a DUI conviction
$812
Young drivers
$1,236
Married drivers
$467
Drivers with bad credit
$511

Rhineland Car Insurance vs. Texas

People living in Rhineland pay an average of 12.58% less than the typical driver in the state. The average driver in Rhineland can expect to pay about $1,018 per year, or $1,708 for full coverage.

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

Car Insurance Prices by Rhineland Neighborhood

Rhineland, 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 Rhineland?

The map shows insurance prices in and around Rhineland, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $22 per year within the city boundaries, with insurance premiums ranging from a high of $1,713 to a low of $1,691. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of Rhineland.

Pick the Best Car Insurance Company for You in Rhineland

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

The best car insurance provider for most drivers in Rhineland

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $351 over the average Rhineland car insurance company.

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We use the average good driver, paying $113 per month, as our baseline for pricing in Rhineland. 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 Rhineland drivers with accidents on their records

In Rhineland getting into an accident will raise premiums an average 32% for a yearly cost of $2,520. That's $811 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 $804 over the competition.

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The best car insurance company for Rhineland drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $709 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 Rhineland, tickets raise premiums on new quotes about $601. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,309 per year.

The best auto insurance for Rhineland drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,377 per year in auto insurance premiums, which was $669 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 $812 less each year.

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

In Rhineland, State Farm costs young drivers $1,236 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 Rhineland. With an average cost of $4,734 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 Rhineland

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 Rhineland.

State Farm gave the largest car insurance discounts to married couples, averaging $467 saved each year compared to an average Rhineland couple's premiums.

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The cheapest car insurance in Rhineland for drivers with bad credit

People with poor credit saved an average of $511 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $690 every year. Premiums for people with poor credit were about $2,398 in Rhineland. 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 Rhineland car insurance company for customer service

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

Nationwide was the best company for customer service in Rhineland 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 Rhineland, 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 Rhineland. 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 Rhineland

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 11% of Rhineland 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 Rhineland 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 Rhineland, 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 Rhineland

What Influences the Cost of Car Insurance in Rhineland?

On average, car insurance in Rhineland 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 Rhineland is 24 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 Rhineland are higher than average 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.
  • Rhineland is one of the most densely populated areas 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 Rhineland is $85 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

  • Munday: Insurance costs 1.17% more
  • Benjamin: Insurance costs 0.64% less
  • Goree: Insurance costs 0.29% more
  • Hefner: Insurance costs 0.29% more
  • Knox City: Insurance costs 0.06% less
  • Vera: Insurance costs 1.00% less
  • Seymour: Insurance costs 1.70% more
  • Dumont: Insurance costs 4.68% more
  • Round Timber: Insurance costs 3.57% more
  • Mabelle: Insurance costs 4.45% more

Cities with Similar Populations

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