Cheapest Auto Insurance in Galveston, Texas (2026)

Finding cheap car insurance can go a long way toward maximizing every dollar in your budget. Drivers in Galveston pay an overall average of $163 monthly for auto coverage. This is about the same as the statewide average of $163 in Texas but somewhat higher than the national overall average of $136 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	$101	$57	Cheap rates
GEICO	9.2	$181	$95	Coverage options
Allstate	8.9	$143	$81	Discounts

Disclaimer: Table data is based on real-time Galveston quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

• 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	4.0 7,176 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.	$58/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.	$102/mo

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Driver Reviews

4.0

Best choice in Galveston, TXBased on 15,788 verified driver 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 in Galveston 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 in Galveston for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Texas reviews for Galveston drivers - See all 7,176 State Farm reviews

Gordon

Verified Review

Too High Monthly Payments

Reviewed in Texas on March 5, 2026

The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.

Arturo

Verified Review

Expensive Insurance

Reviewed in Texas on March 4, 2026

The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.

Tina

Verified Review

Price is too high

Reviewed in Texas on March 4, 2026

I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.

William

Verified Review

The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.

Reviewed in Texas on March 2, 2026

The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.

Paul

Verified Review

Helpful agents over the 60 years of having coverage with State Farm.

Reviewed in Texas on March 1, 2026

I have not had any claims in recent years. No problems over the years when there was a claim.

Percy

Verified Review

Excellent service and coverage

Reviewed in Texas on February 28, 2026

Excellent, friendly, and professional.

Barbara

Verified Review

Not a Good Proposal

Reviewed in Texas on February 26, 2026

They raised the yearly cost by thousands per year. I have had the policy for over 10 years with no claims.

Troy

Verified Review

Too High

Reviewed in Texas on February 24, 2026

State Farm is not good; they increased my rates for no reason.

Robert

Verified Review

My review

Reviewed in Texas on February 24, 2026

No problems with Joe Palermo's office.

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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

Compare Quotes

User Reviews	4.0 7,420 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.	$96/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.	$181/mo

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Driver Reviews

4.0

Best choice in Galveston, TXBased on 16,013 verified driver 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 in Galveston 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 in Galveston for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Texas reviews for Galveston drivers - See all 7,420 GEICO reviews

Josh

Verified Review

Geico Two-Step

Reviewed in Texas on March 4, 2026

I have multiple insurance companies currently. Geico needs better training for their representatives. Don’t tell customers one thing and then tell the consumer the exact opposite from the next representative. I will never use Geico again, even though they are almost 50% cheaper than State Farm, Allstate, or Progressive.

Jeanette

Verified Review

Too much $$$

Reviewed in Texas on March 2, 2026

Started out well, but the price increased regularly with no claims, no accidents, and no tickets. It more than doubled in 8 years!

Zee

Verified Review

Expensive but probably a good insurance

Reviewed in Texas on February 25, 2026

It is very expensive; the Geico Auto help is very good.

Tom

Verified Review

Understand what you bought before you sign

Reviewed in Texas on February 25, 2026

Make sure they explain the policy thoroughly before you sign!

Joann

Verified Review

The Policy That Goes Up

Reviewed in Texas on February 24, 2026

I was drawn in with a low rate, then they increased it on me in 3 months.

Miguel

Verified Review

Fairness

Reviewed in Texas on February 24, 2026

They are good overall, but too expensive for my budget!

Garry

Verified Review

So disappointed

Reviewed in Texas on February 24, 2026

After being with Geico for five years with no claims or accidents, they almost doubled our rates. They are about the money, not the customers.

Debra

Verified Review

I’m a senior and I have had a great record. Until 2025, I was in a wreck with no ticket. I was initially told both parties were at fault, but later it was determined to be my fault. I just received a new used 2019 Nissan Armada, and I pay $197.00 a month, which I find ridiculous. Because it is financed, I need to carry full coverage. I don’t feel I have a fair deal.

Reviewed in Texas on February 21, 2026

I’m a senior and I have had a great record. Until 2025, I was in a wreck with no ticket. I was initially told both parties were at fault, but later it was determined to be my fault. I just received a new used 2019 Nissan Armada, and I pay $197.00 a month, which I find ridiculous. Because it is financed, I need to carry full coverage. I don’t feel I have a fair deal.

Guy

Verified Review

Nickels and Dimes

Reviewed in Texas on February 21, 2026

Make sure you know the final price is the one quoted. Geico nickeled and dimed us after we agreed on a policy fee.

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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	3.8 4,268 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.	$81/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.	$143/mo

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Driver Reviews

3.8

A solid option in Galveston, TXBased on 9,438 verified driver 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 in Galveston 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 in Galveston for

Accident forgiveness

Wide availability

Cheap rates

Showing 75 Texas reviews for Galveston drivers - See all 4,268 Allstate reviews

Tom

Verified Review

Car insurance is a monopoly

Reviewed in Texas on March 3, 2026

Insurance is outrageously expensive. Try not to put teens on your policy.

Pamela

Verified Review

Satisfied

Reviewed in Texas on February 27, 2026

Affordable

William

Verified Review

Bad assistance during a flood

Reviewed in Texas on February 26, 2026

Very disappointed in how they acted after a flood in Conroe, TX. They did okay, but when there was an issue with a flatbed truck you sent that caused some driveway damage, they did not help me at all!

Donald

Verified Review

Allstate reps are customer caring and honest.

Reviewed in Texas on February 24, 2026

Consider Allstate coverage as a good deal.

Constance

Verified Review

Taking Full Advantage of a Loyal Customer

Reviewed in Texas on February 21, 2026

My current insurer is Allstate. I had an unfortunate year in 2024. A dog ran in front of us and did major damage to our front end. A few short weeks later, an 18-wheeler blew a rear dual tire that hit our Jeep and caused us to spin and slam into a guardrail. Neither accident was our fault nor could they be avoided. The consequence was that our premiums have almost tripled and continue to rise. They know it will be difficult for us to change policies. Our credit rating is not exceptional due to a limited income and the huge rise in premiums and other bills. As soon as I can change insurance carriers, I will. No customer loyalty. I had never missed a premium.

Carlos

Verified Review

Price Increases

Reviewed in Texas on February 19, 2026

They are nice people, but they are terrible when it comes to helping out with costs. Every 6 months, the price increases and they never have a reason. All they say is, "Well, everything is going up." One time they said, "Just like eggs and milk, prices keep going up."

Patricia

Verified Review

Price fair, but claim process difficult

Reviewed in Texas on February 17, 2026

The price was right; however, when I needed to file a claim, it became a nightmare.

Martha

Verified Review

Expensive car insurance needs to be cheaper for a 25-year-old car

Reviewed in Texas on February 16, 2026

It's expensive for only driving 4 miles a day or less.

Roger

Verified Review

Just Average

Reviewed in Texas on February 13, 2026

Just average rates, especially high for low mileage drivers.

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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 $130 per month, on average.

While the cheapest rate for liability insurance in Galveston is $58 per month, certain groups pay more for liability coverage. For example, the cheapest liability-only coverage for Galveston teens is $117. The table below provides insight into liability-only quotes from top insurers in Galveston.

The below rates in Galveston, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$58
Mile Auto	$74
Progressive	$80
Allstate	$81
GEICO	$96
USAA	$104
Mercury	$113
Dairyland	$122
Root	$122
The General	$124
Commonwealth Casualty	$124
Bristol West	$126
GAINSCO	$129
Nationwide	$130
AssuranceAmerica	$135
Clearcover	$136
Sun Coast	$139
Safeco	$143
Direct Auto	$147
National General	$147
Elephant	$151
Chubb	$176
21st Century	$203
Liberty Mutual	$265

Disclaimer: Table data sourced from real-time Galveston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Galveston 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 $196 per month. The following table shows average full-coverage quotes from insurers serving Galveston.

The below rates in Galveston, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$102
Progressive	$138
Allstate	$143
Mile Auto	$157
Mercury	$172
USAA	$181
GEICO	$181
Root	$210
Safeco	$216
Clearcover	$222
Direct Auto	$225
Nationwide	$227
Elephant	$238
The General	$241
Bristol West	$252
National General	$252
GAINSCO	$259
Sun Coast	$264
AssuranceAmerica	$278
Commonwealth Casualty	$291
Chubb	$308
Liberty Mutual	$342
Dairyland	$347
21st Century	$355

Disclaimer: Table data sourced from real-time Galveston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Galveston 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 $232 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 $73

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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 $162 for liability-only coverage and $244 per month for full coverage. Below are the cheapest car insurance companies for drivers in Galveston with speeding tickets.

The below rates in Galveston, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$58	$73
Mile Auto	$74	$90
Progressive	$80	$99
Allstate	$81	$105
GEICO	$96	$125
USAA	$104	$134
Mercury	$113	$157
Dairyland	$122	$151
Root	$122	$162
The General	$124	$165
Commonwealth Casualty	$124	$146
Bristol West	$126	$158
GAINSCO	$129	$153
Nationwide	$130	$168
AssuranceAmerica	$135	$171
Clearcover	$136	$176
Sun Coast	$139	$173
Safeco	$143	$188
Direct Auto	$147	$183
National General	$147	$182
Elephant	$151	$180
Chubb	$176	$223
21st Century	$203	$266
Liberty Mutual	$265	$336

Disclaimer: Table data sourced from real-time Galveston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Galveston 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 $171 per month for liability-only auto insurance and $258 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 in Galveston, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$58	$76
Mile Auto	$74	$99
Progressive	$80	$105
Allstate	$81	$108
GEICO	$96	$124
USAA	$104	$139
Mercury	$113	$170
Dairyland	$122	$160
Root	$122	$162
The General	$124	$170
Commonwealth Casualty	$124	$163
Bristol West	$126	$165
GAINSCO	$129	$164
Nationwide	$130	$174
AssuranceAmerica	$135	$179
Clearcover	$136	$197
Sun Coast	$139	$183
Safeco	$143	$199
Direct Auto	$147	$200
National General	$147	$195
Elephant	$151	$196
Chubb	$176	$232
21st Century	$203	$274
Liberty Mutual	$265	$352

Disclaimer: Table data sourced from real-time Galveston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Galveston 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 $179 for liability only and $270 for full coverage. Below are the cheapest car insurance companies for drivers in Galveston with DUIs.

The below rates in Galveston, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$58	$82
Mile Auto	$74	$105
Progressive	$80	$110
Allstate	$81	$115
GEICO	$96	$136
USAA	$104	$148
Mercury	$113	$169
Dairyland	$122	$173
Root	$122	$175
The General	$124	$176
Commonwealth Casualty	$124	$176
Bristol West	$126	$179
GAINSCO	$129	$183
Nationwide	$130	$185
AssuranceAmerica	$135	$192
Clearcover	$136	$193
Sun Coast	$139	$191
Safeco	$143	$218
Direct Auto	$147	$209
National General	$147	$209
Elephant	$151	$215
Chubb	$176	$250
21st Century	$203	$273
Liberty Mutual	$265	$377

Disclaimer: Table data sourced from real-time Galveston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Galveston 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 $167 per month for full coverage and $110 for liability only. Below are the cheapest car insurance companies for senior drivers in Galveston.

The below rates in Galveston, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
State Farm	$45	$80
Mile Auto	$58	$122
Allstate	$65	$115
Progressive	$68	$117
GEICO	$76	$143
USAA	$84	$146
Mercury	$90	$136
Nationwide	$99	$172
Commonwealth Casualty	$99	$232
Root	$101	$174
Dairyland	$103	$292
The General	$103	$201
Bristol West	$104	$208
AssuranceAmerica	$105	$215
GAINSCO	$109	$218
National General	$115	$196
Clearcover	$118	$193
Sun Coast	$118	$224
Direct Auto	$118	$180
Elephant	$124	$195
Safeco	$124	$187
Chubb	$132	$231
21st Century	$158	$277
Liberty Mutual	$220	$284

Disclaimer: Table data sourced from real-time Galveston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Galveston 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 $257 per month for liability-only coverage and $387 for full coverage. Below are the cheapest car insurance companies for teenage drivers in Galveston.

The below rates in Galveston, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
State Farm	$117	$206
Progressive	$158	$272
Mile Auto	$158	$336
Allstate	$167	$294
GEICO	$179	$338
USAA	$201	$349
Dairyland	$217	$616
Mercury	$218	$332
Root	$220	$379
The General	$227	$441
Clearcover	$234	$382
Bristol West	$235	$470
Commonwealth Casualty	$240	$564
GAINSCO	$246	$494
Nationwide	$265	$462
Sun Coast	$274	$521
Elephant	$278	$438
AssuranceAmerica	$291	$599
Direct Auto	$295	$451
Safeco	$300	$453
National General	$309	$531
Chubb	$378	$662
21st Century	$382	$668
Liberty Mutual	$488	$630

Disclaimer: Table data sourced from real-time Galveston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Galveston 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 $163 per month for car insurance, which is about the same as the Texas state average of $163 and higher than the national average of $136. 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	$103	$207
Arlington	$128	$215
Austin	$128	$209
Corpus Christi	$132	$201
Dallas	$135	$238
El Paso	$103	$191
Fort Worth	$119	$210
Houston	$170	$270
Lubbock	$106	$209
San Antonio	$128	$218

Disclaimer: Table data is based on real-time Galveston quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Galveston car insurance FAQs