Cheapest Auto Insurance in Galveston, Texas (2025)

Finding cheap car insurance can go a long way toward maximizing every dollar in your budget. Drivers in Galveston pay an overall average of $175 monthly for auto coverage. This is about the same as the statewide average of $177 in Texas but somewhat higher than the national overall average of $150 per month. These higher rates in Texas may be a result of frequent high-risk weather events and the large population of the state.

You have plenty of insurance options to choose from in Galveston, so you’ll want to take the time to compare coverages and quotes from as many companies as possible. Here’s what you need to know about buying car insurance in Galveston.

3 of the cheapest car insurance companies in Galveston

Galveston drivers looking for affordable auto insurance should consider more than just the policy cost when shopping around. While a lower premium quote can help you save money each month, you want to ensure adequate coverage if you need to file a claim.

The companies below offer affordable coverage in Galveston, but they may not be the best options for your insurance needs and financial situation. You should always compare quotes from multiple insurance companies before buying a policy. The average rates in the table below are for Texas overall.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
State Farm	9.3	$84	$50	Cheap rates
GEICO	9.2	$191	$131	Coverage options
Allstate	8.9	$118	$71	Discounts

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

cheap rates

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User Reviews	4.1 6,043 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$48/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$82/mo

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Driver Reviews

4.1

Best choiceBased on 11,264 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,043)

Duane

July 1, 2025

Verified Review

40+ years says it all!

State Farm has always met my expectations for the 40+ years of service.

Krystal

July 1, 2025

Verified Review

Good

State Farm was my best insurance company, but I couldn't pay my bill because it was too high.

Steven

June 30, 2025

Verified Review

Happy but Broke Now

State Farm is a great company that comes at a premium.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm insures more than 9% of car insurance policyholders in the U.S. and Canada, making it North America’s largest auto insurance company. It’s also financially sound, with an AM Best financial strength rating of A++ (Superior). It offers cheap rates to Galveston drivers, along with various coverages and discounts.

Pros

• Bundling discounts available, including for life and auto

• Coverage choices for rideshare drivers, car rental, and travel expenses

Cons

• Limited customer service options outside of mobile app

• Gap insurance not available

Best insurer for coverage options: GEICO

Coverage options

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User Reviews	4.0 6,432 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$130/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$189/mo

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Driver Reviews

4.0

Best choiceBased on 11,989 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,432)

Rosemary

July 2, 2025

Verified Review

Geico is the worst!

Geico is the worst insurance company ever. They increased my rate over 100 percent with no tickets or claims.

Deejane

June 30, 2025

Verified Review

Geico Forever

All good for over 50 years.

Joshua

June 30, 2025

Verified Review

GEICO has the best rates

Thank you for your service.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO first opened its doors as the Government Employees Insurance Company, providing government workers and military personnel with auto insurance. Today, it offers a range of insurance products — from homeowners to auto, flood, and life insurance — to millions of Americans. AM Best gives GEICO an A++ (Superior) rating for financial strength. 

Pros

• Affordable rates for good drivers, young drivers, and seniors

• Offers an accident forgiveness program

Cons

• Higher-than-average rates for drivers with violations

• Rideshare coverage not available

Best insurer for discounts: Allstate

discounts

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User Reviews	3.9 3,653 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.9 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$68/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$116/mo

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Driver Reviews

3.9

A solid optionBased on 6,854 verified guest reviews and ratings

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

Reviews (3,653)

David

June 28, 2025

Verified Review

Insurance

It's hard to get a hold of an agent. Agencies switched, resulting in a lot of back-and-forth phone calls.

Leeland

June 26, 2025

Verified Review

Frustrating

Don't use this company. A fire in California will raise your rates even if you don't live there.

Hope

June 25, 2025

Verified Review

Good

It's been fine until the rates went up without notification.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

636

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A-

Why we picked this company

Allstate is the oldest mutual insurer offering car insurance in the United States. Allstate first opened its doors in 1907. Today, it provides various insurance products, including auto, homeowners, personal liability, and marine insurance. AM Best gave it an A+ (Superior) financial strength rating.

Pros

• Offers pay-per-mile coverage

• Established company with superior ratings from AM Best

Cons

• Poor customer satisfaction

• Average rates compared to other insurance companies

How to get the cheapest car insurance in Galveston

Getting the cheapest car insurance rates in Galveston takes a little work and knowledge about how car insurance companies set rates. Insurers look at many factors when determining the cost of their policies, such as driver history, age, credit score, and ZIP code.

While some of these factors are out of your control, you can do a few things to qualify for the cheapest car insurance in Galveston:

• Bundle your home and auto policies. Many insurance companies offer various insurance products. Bundle your homeowners insurance (or renters insurance) and auto policy to secure a discounted rate. You may also be able to bundle insurance for your motorcycle or boat.

• Compare quotes from multiple insurance companies. One of the easiest ways to get the lowest cost for car insurance is to compare rates and coverage options from at least three insurance companies. Don’t just look at the total cost; also consider each company’s coverages and perks.

• Look for discounts through local programs. If you belong to the AARP or you’re currently enrolled in school, you may qualify for discounts on your auto policy. You can also check with your employer to see if it offers discounted rates with a specific company.

• Improve your credit score. Auto insurance companies can use your credit score to help determine what you pay for your policy. Improving your credit score could help you qualify for cheaper car insurance.

• Enroll in a safe driving program. Talk to your insurance agent about whether your insurer offers safe driving discounts. Teens can take a course online that could qualify them for a discount.

Cheapest liability-only car insurance in Galveston: State Farm

Drivers looking for the cheapest car insurance rates in the state may want to consider liability-only car insurance. Liability policies cover personal property and injury for other parties involved in an accident but not damages to your vehicle or injuries to people in your vehicle. Liability-only policies in Galveston cost $135 per month, on average.

While the cheapest rate for liability insurance in Galveston is $48 per month, certain groups pay more for liability coverage. For example, the cheapest liability-only coverage for Galveston teens is $93. The table below provides insight into liability-only quotes from top insurers in Galveston.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$48
Allstate	$68
Mile Auto	$69
USAA	$87
Mercury	$96
Progressive	$101
Nationwide	$109
Root	$120
Dairyland	$121
The General	$124
Bristol West	$125
AssuranceAmerica	$128
Safeco	$129
GEICO	$130
Commonwealth Casualty	$131
Clearcover	$133
National General	$143
Direct Auto	$145
Chubb	$147
GAINSCO	$151
Elephant	$155
21st Century	$170
Foremost	$202
Liberty Mutual	$255

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Galveston: State Farm

Texas drivers who have a loan or can’t afford to pay out of pocket for repairs or injuries should consider full-coverage car insurance. It’s more expensive than liability coverage, but it offers more protection. In addition to covering expenses for other parties in an accident, full coverage also protects you, your passengers, and your vehicle.

The average rate for full-coverage car insurance in Galveston is $216 per month. The following table shows average full-coverage quotes from insurers serving Galveston.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$82
Allstate	$116
Mile Auto	$140
USAA	$146
Mercury	$160
Progressive	$175
Nationwide	$184
GEICO	$189
Safeco	$209
Clearcover	$219
Root	$220
Elephant	$245
The General	$245
Chubb	$248
Direct Auto	$249
National General	$258
Bristol West	$260
AssuranceAmerica	$278
21st Century	$287
GAINSCO	$307
Dairyland	$326
Liberty Mutual	$336
Commonwealth Casualty	$355
Foremost	$418

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Texas

Drivers in Texas are required to show proof that they can pay for injuries and damages as a result of an at-fault accident. Most drivers do this by purchasing a liability policy since the state requires drivers to carry car insurance.

Texas is an at-fault state, meaning the driver responsible for the car accident will pay for injuries and damages resulting from the incident. Law enforcement officers can determine whether more than one party is at fault in an accident. In most cases, one driver will be deemed more responsible. Texas drivers must carry the following limits to drive legally:

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person $60,000 per accident
Property damage liability	$25,000 per accident

You only need to carry liability coverage to drive legally, but it can be a good idea to carry additional coverage, especially if you drive frequently. Some common coverage options to consider include:

• 

  Collision insurance

  Collision insurance pays for damages to your vehicle after an accident or a collision with another object.

• 

  Comprehensive insurance

  Comprehensive insurance covers damages to your vehicle resulting from a non-collision incident, such as theft, fire, storm, or vandalism.

• 

  Medical payments coverage

  Medical payments covers you and any passenger’s medical expenses from injuries in an accident. Additionally, you’re protected while riding in someone else’s vehicle and walking down the street.

• 

  Personal injury protection

  Personal injury protection pays for lost wages and non-medical costs.

• 

  Uninsured/underinsured motorist coverage

  Uninsured and underinsured motorist coverage provides extra protection for you and your property if you’re involved in an accident with an uninsured or underinsured driver.

• 

  Towing and labor coverage

  Your insurance company will pay to tow your vehicle and labor for a flat tire or jump-start.

• 

  Rental reimbursement coverage

  Rental reimbursement coverage pays for a rental car if yours is stolen or getting repaired following an accident.

Texas Automobile Insurance Plan Association (TAIPA)

In Texas, drivers deemed “high risk” may be able to secure insurance through the Texas Automobile Insurance Plan Association (TAIPA). To qualify, drivers must have a valid driver’s license and request an SR-22. In addition, drivers must be residents of Texas and show proof of coverage rejection from at least two companies within the previous 60 days.

TAIPA provides the minimum liability coverage required by Texas state law. Drivers may only obtain an annual policy on TAIPA and are required to pay a $5 annual fee.^[1]

Cheapest car insurance for drivers with an incident

Insurance companies often consider drivers with incidents on their driving record as higher-risk drivers. Insurance companies typically look at incidents like at-fault accents, DUIs, speeding tickets, and other moving violations when setting premiums.

Drivers can expect to pay higher rates if they have incidents on their records. In Galveston, the average full-coverage rate for drivers with traffic violations is $246 per month. 

Drivers with more serious traffic violations (like DUIs) may be required to secure an SR-22 policy to obtain coverage. The rate of increase will vary based on the insurance company and the type of incident on your record.

Find Cheap Car Insurance After a Speeding Ticket

Galveston drivers can find rates as low as $57

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding tickets may increase your insurance rate based on the number of offenses and the severity of the incidents. Insurance companies consider speeding risky driving behavior and increase your rates to account for that risk. 

Galveston drivers with a speeding ticket face an average monthly cost of $159 for liability-only coverage and $255 per month for full coverage. Below are the cheapest car insurance companies for drivers in Galveston with speeding tickets.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$48	$57
Allstate	$68	$81
Mile Auto	$69	$79
USAA	$87	$104
Mercury	$96	$125
Progressive	$101	$119
Nationwide	$109	$131
Root	$120	$153
Dairyland	$121	$145
The General	$124	$157
Bristol West	$125	$152
AssuranceAmerica	$128	$148
Safeco	$129	$159
GEICO	$130	$160
Commonwealth Casualty	$131	$160
Clearcover	$133	$165
National General	$143	$171
Direct Auto	$145	$175
Chubb	$147	$176
GAINSCO	$151	$173
Elephant	$155	$179
21st Century	$170	$209
Foremost	$202	$247
Liberty Mutual	$255	$312

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

At-fault accidents may have a significant effect on your driving record and the cost of your auto insurance policy. At-fault auto accidents indicate to insurance companies that you engage in risky driving behaviors, which presents a financial risk for them.

If you have at-fault accidents on your record, you may see an increase in the cost of your insurance premium. In Galveston, drivers with at-fault accidents average $167 per month for liability-only auto insurance and $268 per month for full coverage.

Insurance companies also consider the factors that led to the accident (speed, alcohol, etc.). Below are the cheapest car insurance companies for drivers with at-fault accidents in Galveston.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$48	$59
Allstate	$68	$85
Mile Auto	$69	$87
USAA	$87	$109
Mercury	$96	$133
Progressive	$101	$125
Nationwide	$109	$137
Root	$120	$150
Dairyland	$121	$152
The General	$124	$162
Bristol West	$125	$157
AssuranceAmerica	$128	$151
Safeco	$129	$171
GEICO	$130	$153
Commonwealth Casualty	$131	$164
Clearcover	$133	$188
National General	$143	$178
Direct Auto	$145	$187
Chubb	$147	$183
GAINSCO	$151	$184
Elephant	$155	$193
21st Century	$170	$216
Foremost	$202	$257
Liberty Mutual	$255	$324

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Drivers with DUIs will find it more difficult to obtain cheap coverage than other drivers. Texas doesn’t add points to your driving record if you’re caught driving while intoxicated — instead, it attaches a conviction-based surcharge to your license.

Drivers convicted of a DUI must pay this surcharge for three years. In addition, drivers with a DUI conviction may be required to obtain an SR-22 policy.^[2] The average monthly cost of car insurance with a DUI in Galveston is $164 for liability only and $263 for full coverage. Below are the cheapest car insurance companies for drivers in Galveston with DUIs.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$48	$64
Allstate	$68	$91
Mile Auto	$69	$92
USAA	$87	$117
Mercury	$96	$131
Progressive	$101	$123
Nationwide	$109	$146
Root	$120	$161
Dairyland	$121	$162
The General	$124	$166
Bristol West	$125	$167
AssuranceAmerica	$128	$171
Safeco	$129	$181
GEICO	$130	$174
Commonwealth Casualty	$131	$175
Clearcover	$133	$178
National General	$143	$191
Direct Auto	$145	$194
Chubb	$147	$197
GAINSCO	$151	$202
Elephant	$155	$208
21st Century	$170	$228
Foremost	$202	$271
Liberty Mutual	$255	$341

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Drivers older than 55 may get a senior discount, as insurance companies view them as more courteous and cautious.^[3] However, once drivers turn 70, their rate of incidents increases — drivers older than 70 have a higher crash death rate than middle-aged drivers.

Common factors that lead to accidents in older drivers include vision problems, medication side effects, and other medical conditions. The average cost of car insurance for senior drivers in Galveston is $179 per month for full coverage and $112 for liability only. Below are the cheapest car insurance companies for senior drivers in Galveston.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$37	$63
Mile Auto	$52	$106
Allstate	$54	$93
USAA	$69	$116
Mercury	$78	$130
Nationwide	$81	$137
Progressive	$84	$145
Dairyland	$97	$261
AssuranceAmerica	$97	$211
The General	$99	$195
Root	$100	$183
Bristol West	$100	$209
GEICO	$101	$147
Commonwealth Casualty	$103	$279
National General	$108	$195
Chubb	$108	$182
Safeco	$110	$179
Direct Auto	$112	$193
Clearcover	$114	$188
GAINSCO	$124	$252
Elephant	$126	$198
21st Century	$128	$217
Foremost	$169	$350
Liberty Mutual	$210	$277

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teenagers’ lack of experience on the road is something that insurance companies weigh heavily when determining premiums. Because of this higher risk, teen drivers typically pay higher insurance rates than any other age group.

Teen drivers can save money on the cost of their insurance by staying on their parents’ policy, driving in a safer vehicle, and applying for good student discounts. On average, teen drivers in Galveston pay $263 per month for liability-only coverage and $420 for full coverage. Below are the cheapest car insurance companies for teenage drivers in Galveston.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$93	$159
Allstate	$136	$233
Mile Auto	$145	$294
USAA	$163	$274
Mercury	$184	$306
Progressive	$197	$341
Dairyland	$207	$559
Root	$214	$392
Nationwide	$216	$364
The General	$219	$432
Bristol West	$230	$479
GEICO	$238	$346
Clearcover	$245	$403
Commonwealth Casualty	$246	$666
AssuranceAmerica	$260	$564
Safeco	$271	$439
Elephant	$276	$436
GAINSCO	$290	$589
Direct Auto	$292	$502
National General	$298	$538
Chubb	$317	$535
21st Century	$321	$541
Foremost	$393	$814
Liberty Mutual	$472	$622

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Galveston car insurance quotes by credit tier

Texas allows insurance companies to use your credit history as a factor when setting your premium, but they can’t use it as the sole reason to deny you coverage or not renew your policy. Insurance companies must also disclose when they use your credit history.^[4]

Your credit indicates to an insurer if you’re likely to be a risky driver or likely to file claims. Drivers with good credit will likely qualify for cheaper insurance, while drivers with poor credit may have to pay more.

Is car insurance more expensive in Galveston?

Drivers in Galveston pay an average of $175 per month for car insurance, which is about the same as the Texas state average of $177 and higher than the national average of $150. Galveston drivers also pay slightly more for auto insurance than drivers in most other cities in the state.

The cost of insurance can vary between cities. In addition to competition, population density and the number of cars in a city can affect insurance rates. Traffic incidents are higher in urban areas, so insurance companies will likely charge more for drivers in busy cities.

More cities in Texas

Many cities in Texas are about the same as or less expensive than Galveston for auto insurance, but Houston and Dallas have higher rates. The table below shows the average car insurance quotes in other major Texas cities.

City	Liability Only	Full Coverage
Amarillo	$109	$226
Arlington	$131	$233
Austin	$134	$222
Corpus Christi	$134	$220
Dallas	$138	$259
El Paso	$104	$199
Fort Worth	$124	$226
Houston	$178	$297
Lubbock	$111	$220
San Antonio	$129	$231

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Galveston car insurance FAQs