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Cheapest recent rates near Galveston, Texas
Drivers in and around Galveston, Texas have found policies from National General, Commonwealth Casualty, Progressive, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Galveston, Texas within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Galveston, Texas within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Finding cheap car insurance can go a long way toward maximizing every dollar in your budget. Drivers in Galveston pay an overall average of $183 monthly for auto coverage. This is about the same as the statewide average of $179 in Texas but somewhat higher than the national overall average of $152 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.
Quick Facts
State Farm, GEICO, and Allstate are the cheapest car insurance companies in Galveston.
High-risk drivers can participate in the Texas Automobile Insurance Plan Association (TAIPA) if they can’t find insurance.
Drivers in Galveston pay $130 per month for liability coverage and $236 for full coverage, on average.
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
$71
$38
Cheap rates
GEICO
9.0
$77
$41
Coverage options
Allstate
8.9
$100
$54
Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
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.
$39/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.
$73/mo
4.2
Best choiceBased on 9,440 verified guest reviews and ratings
▲
State Farm's score
▲▼
Industry average
▲▼
Coverage options
4.2
3.2
Customer service
4.1
3.6
Discounts
4
2.9
Policy transparency
4
3.1
Value
4
2.9
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,195)
Graylin
January 18, 2025
Verified Review
The service is good, but the price is a bit high for my age and clean driving record. I haven't had any DUIs or tickets for over 6 years.
The service is good, but the price is a bit high for my age and clean driving record. I haven't had any DUIs or tickets for over 6 years.
Chris
January 18, 2025
Verified Review
Dishonest and Untrustworthy
Mediocre at best, they keep changing their rates. They keep raising their income to help themselves, never explaining what their issues are. They trap you in, making you think you have no choice.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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
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.
9.0 /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.
$42/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.
$79/mo
4.0
Best choiceBased on 10,621 verified guest reviews and ratings
▲
GEICO's score
▲▼
Industry average
▲▼
Coverage options
4
3.2
Customer service
3.9
3.6
Discounts
3.8
2.9
Policy transparency
3.9
3.1
Value
3.8
2.9
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,845)
Zenell
January 17, 2025
Verified Review
Overpriced for Certain Car Brands
If you own a Kia or Hyundai car, be prepared to pay a hefty amount. Despite having no tickets or accidents, the pricing is still unreasonable. Insurance companies should reconsider their pricing strategies.
Margie
January 17, 2025
Verified Review
Almost Chose Another Insurance, but Stayed with GEICO
They are very reliable.
Jerome
January 16, 2025
Verified Review
Poor Service
I had a car accident several years ago and I was not at fault. The other driver was issued a citation for the accident. My deductible was $500.00, but my agent only managed to get me back $400.00. When I asked why, she couldn't explain. I requested to speak to her supervisor who wasn't available at the time. I was told I would receive a call back, but I never heard back from them.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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
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.
$55/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
4.0
Best choiceBased on 5,858 verified guest reviews and ratings
▲
Allstate's score
▲▼
Industry average
▲▼
Coverage options
4
3.2
Customer service
3.9
3.6
Discounts
4
2.9
Policy transparency
3.9
3.1
Value
3.7
2.9
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
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 initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,196)
Billy
January 18, 2025
Verified Review
Looking for Better Rates
I have been with Allstate for over 50 years, but their extremely high rates are turning me towards other companies.
Gloria
January 17, 2025
Verified Review
Worst Insurance Company Ever
They doubled their policy for the following year. When I called them about it, they said there was nothing they could do. That's just the way it is.
Patricia
January 15, 2025
Verified Review
I had a bad experience. My agent doesn't call back. I've been trying to get in touch with this person for a year, leaving messages, trying to inform him that my car is being vandalized, but still no callbacks. It's hard to get another agent with this company. I have to fill out paperwork, which is too much of a hassle. It's a waste of time!
I had a bad experience. My agent doesn't call back. I've been trying to get in touch with this person for a year, leaving messages, trying to inform him that my car is being vandalized, but still no callbacks. It's hard to get another agent with this company. I have to fill out paperwork, which is too much of a hassle. It's a waste of time!
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
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 $39 per month, certain groups pay more for liability coverage. For example, the cheapest liability-only coverage for Galveston teens is $71. The table below provides insight into liability-only quotes from top insurers in Galveston.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$39
GEICO
$42
Allstate
$55
Mile Auto
$59
USAA
$70
Nationwide
$88
Root
$90
Mercury
$92
Progressive
$103
Dairyland
$113
Safeco
$116
Chubb
$119
National General
$130
Direct Auto
$134
The General
$134
Clearcover
$135
21st Century
$137
Bristol West
$137
Commonwealth Casualty
$140
AssuranceAmerica
$141
Elephant
$153
GAINSCO
$172
Liberty Mutual
$226
Foremost
$229
State Auto
$262
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $236 per month. The following table shows average full-coverage quotes from insurers serving Galveston.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$73
GEICO
$79
Allstate
$102
Mile Auto
$122
USAA
$130
Mercury
$155
Nationwide
$164
Root
$175
Progressive
$180
Clearcover
$195
Safeco
$196
Chubb
$221
Elephant
$248
Direct Auto
$254
21st Century
$255
National General
$264
The General
$286
Bristol West
$290
Dairyland
$291
AssuranceAmerica
$311
Liberty Mutual
$342
GAINSCO
$366
Commonwealth Casualty
$387
State Auto
$488
Foremost
$489
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Galveston, Texas
Drivers in and around Galveston, Texas have found policies from Allstate, Mercury, Mile Auto, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Galveston, Texas within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Galveston, Texas within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 20, 2025. 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.
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 $302 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 $49
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $177 for liability-only coverage and $322 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$39
$49
GEICO
$42
$54
Allstate
$55
$70
Mile Auto
$59
$75
USAA
$70
$90
Nationwide
$88
$114
Root
$90
$124
Mercury
$92
$126
Progressive
$103
$131
Dairyland
$113
$145
Safeco
$116
$151
Chubb
$119
$154
National General
$130
$167
Direct Auto
$134
$172
The General
$134
$176
Clearcover
$135
$173
21st Century
$137
$181
Bristol West
$137
$177
Commonwealth Casualty
$140
$193
AssuranceAmerica
$141
$179
Elephant
$153
$189
GAINSCO
$172
$237
Liberty Mutual
$226
$311
Foremost
$229
$315
State Auto
$262
$361
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $187 per month for liability-only auto insurance and $339 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$39
$52
GEICO
$42
$57
Allstate
$55
$75
Mile Auto
$59
$81
USAA
$70
$95
Nationwide
$88
$120
Root
$90
$131
Mercury
$92
$134
Progressive
$103
$141
Dairyland
$113
$152
Safeco
$116
$158
Chubb
$119
$162
National General
$130
$175
Direct Auto
$134
$186
The General
$134
$186
Clearcover
$135
$197
21st Century
$137
$190
Bristol West
$137
$186
Commonwealth Casualty
$140
$186
AssuranceAmerica
$141
$185
Elephant
$153
$204
GAINSCO
$172
$223
Liberty Mutual
$226
$326
Foremost
$229
$330
State Auto
$262
$381
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $213 for liability only and $386 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$39
$64
GEICO
$42
$69
Allstate
$55
$90
Mile Auto
$59
$97
USAA
$70
$115
Nationwide
$88
$144
Root
$90
$134
Mercury
$92
$141
Progressive
$103
$169
Dairyland
$113
$185
Safeco
$116
$179
Chubb
$119
$195
National General
$130
$213
Direct Auto
$134
$220
The General
$134
$220
Clearcover
$135
$222
21st Century
$137
$225
Bristol West
$137
$225
Commonwealth Casualty
$140
$230
AssuranceAmerica
$141
$231
Elephant
$153
$251
GAINSCO
$172
$282
Liberty Mutual
$226
$371
Foremost
$229
$376
State Auto
$262
$430
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $186 per month for full coverage and $102 for liability only. Below are the cheapest car insurance companies for senior drivers in Galveston.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
State Farm
$29
$55
GEICO
$33
$61
Allstate
$43
$80
Mile Auto
$43
$90
USAA
$55
$101
Nationwide
$64
$119
Mercury
$72
$121
Progressive
$72
$126
Root
$74
$145
Chubb
$85
$157
Dairyland
$88
$227
National General
$96
$196
Safeco
$97
$164
21st Century
$100
$186
Direct Auto
$101
$192
AssuranceAmerica
$104
$230
The General
$105
$224
Bristol West
$107
$227
Commonwealth Casualty
$109
$301
Clearcover
$115
$166
Elephant
$120
$194
GAINSCO
$140
$299
Foremost
$179
$382
Liberty Mutual
$184
$278
State Auto
$192
$358
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $244 per month for liability-only coverage and $443 for full coverage. Below are the cheapest car insurance companies for teenage drivers in Galveston.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
State Farm
$71
$133
GEICO
$72
$135
Allstate
$104
$193
Mile Auto
$120
$248
USAA
$125
$232
Root
$143
$277
Nationwide
$164
$305
Mercury
$170
$287
Progressive
$190
$332
Dairyland
$192
$493
The General
$226
$482
Safeco
$231
$390
Chubb
$242
$449
Bristol West
$244
$516
21st Century
$247
$460
Commonwealth Casualty
$254
$703
Clearcover
$255
$369
Direct Auto
$259
$490
Elephant
$264
$428
National General
$269
$546
AssuranceAmerica
$272
$599
GAINSCO
$312
$664
Liberty Mutual
$407
$615
Foremost
$430
$918
State Auto
$492
$916
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Rates by Credit Tier
Category
▲▼
Price
▲▼
Excellent
158
Good
187
Fair
206
Poor
309
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Galveston?
Drivers in Galveston pay an average of $183 per month for car insurance, which is about the same as the Texas state average of $179 and higher than the national average of $152. 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Galveston car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Galveston.
How much is car insurance in Galveston?
Car insurance in Galveston costs $183 per month, on average. Drivers pay an average of $236 per month for full-coverage insurance and $130 per month for liability-only coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.
Which car insurance companies in Galveston are the cheapest?
State Farm has the cheapest car insurance in Galveston, with liability rates averaging $39 per month. You can also find low rates with GEICO and Allstate, which have liability-only rates of $42 and $55 per month, respectively.
What are the best car insurance companies in Galveston?
State Farm is the best car insurance company in Galveston, with an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Galveston choices include GEICO and Allstate.
How much is car insurance per month in Texas?
The overall average cost of car insurance in Texas is $179 per month. Drivers pay an average of $120 per month for liability coverage and $237 per month for full coverage.
Can you avoid paying for car insurance in Texas?
No. You can’t avoid paying for car insurance in Texas. All drivers must carry a minimum of $30,000 per person and $60,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Angela Brown is a freelance writer with 17 years of professional writing and editing experience. She specializes in finance, real estate, and insurance content. Angela uses her experience to create easy-to-understand content that helps consumers understand tough topics better. When she’s not working, she enjoys spending time with her family and planning vacations.
Angela has been a contributor at Insurify since October 2022.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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