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	$94	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 7,291 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 16,457 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 7,291 State Farm reviews

William

Verified Review

Excellent

Reviewed in Texas on March 26, 2026

State Farm is a good, solid insurance company. Rates are competitive.

Norvell

Verified Review

Average

Reviewed in Texas on March 19, 2026

To add a second vehicle, the price increased, and they are always trying to upsell.

Colette

Verified Review

Love the staff

Reviewed in Texas on March 19, 2026

Very expensive.

Michael

Verified Review

State Farm is overpriced and customer service from agent is lacking

Reviewed in Texas on March 14, 2026

Poor response to billing questions. It takes a week to get answers. Charged a late fee when no bill was received.

Steven

Verified Review

Used to be great

Reviewed in Texas on March 11, 2026

They raise the monthly rate without letting you know. They just keep raising my rate, and no one will tell me why.

Johnny

Verified Review

Not worth the money.

Reviewed in Texas on March 7, 2026

The customer service agent is very rude, and the premiums are way too high for the coverage I wanted. They ask questions that have no regard to price.

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.

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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

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User Reviews	4.0 7,520 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 16,685 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 7,520 GEICO reviews

Alejandro

Verified Review

They Couldn't Care Less

Reviewed in Texas on March 26, 2026

The cost of a 6-month policy is the lowest I've been able to find. Every other insurer has yet to match or beat it. It came with a little more coverage than any other insurer has offered. Although they give you a discount for initiating Easy Drive, which monitors one's driving and driving habits, the app is so messed up (as in making outrageous claims of unsafe driving), I know I cannot expect them to offer to continue the discount or increase it at the end of the term when the app makes a report, or they review the driving data collected. The app is NOT trustworthy because of its flawed and erroneous assumptions. I could not believe it admonished my driving because it found an app open on my phone. "Yeah, the app Easy Drive which they insist one have open during trips," so that it can take in and record the data. Easy Drive is a joke. When I read the first report I looked at, I wondered if the report stated what it stated so that I would be found ineligible for a continued discount. After reading a couple of other reports, I am convinced this tongue-in-cheek accusation of mine to be a fact. My driving record is, after 45 years of driving, immaculate. Yet insurance companies want nearly 500 USD or more for a 6-month STATE MINIMUMS LIABILITY ONLY policy. I have proven that I am not a liability to them. When are insurers going to appreciate me for that?

Laura

Verified Review

Insurance is Theft

Reviewed in Texas on March 26, 2026

Still costs too much but less than everyone else.

John

Verified Review

Good

Reviewed in Texas on March 21, 2026

I would say I have had an overall good experience.

Jaquelyn

Verified Review

I can't find anything less expensive

Reviewed in Texas on March 18, 2026

Cheapest I have found so far. Have not had a claim, so can't comment on that process.

Bombshell

Verified Review

Up, up, always up!

Reviewed in Texas on March 18, 2026

I would say don't do it! They are increasing my liability and uninsured motorist coverage for a 2005 Nissan Sentra. I'm 57 years old with no tickets or accidents, and yet I'm paying over $170 for not full coverage! It went up! I'm looking for another insurance company.

Israel

Verified Review

Can't Complain

Reviewed in Texas on March 15, 2026

I've been a GEICO customer for twenty years and I have a great relationship with the company. I know you can't compete with them. Amen.

Sharon

Verified Review

A very excellent experience. Great everything.

Reviewed in Texas on March 13, 2026

Excellent company, policies, discounts, and great service. Our agent in San Antonio, TX was top-notch.

Rudy

Verified Review

Look elsewhere

Reviewed in Texas on March 12, 2026

Extremely expensive and no incentive to stay with them.

James

Verified Review

Geico Is Not Cost Efficient

Reviewed in Texas on March 9, 2026

I have used Geico since 2006 on and off, and this will be my last time. They are notorious for raising my premium every renewal time. This very month I paid $188.00, and my renewal for March is $244.47—a fifty-six dollar a month increase on a 2022 Chevrolet Trax. I am on a dire fixed income and cannot afford this. I will never use Geico again. I need cheap insurance with full coverage.

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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 4,331 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 9,847 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 4,331 Allstate reviews

Rodney

Verified Review

Too Much Money

Reviewed in Texas on March 25, 2026

I've been with them on and off for 6 years, always paying on time, and yet I received no discount. They are too expensive.

Cesar

Verified Review

Allstate's Pricing Strategy

Reviewed in Texas on March 14, 2026

Do not use Allstate. They offer you lower rates initially and then raise them higher than your previous insurance company.

Juana

Verified Review

Shame on them. Just because I'm a senior citizen they wanted to take advantage of me.

Reviewed in Texas on March 13, 2026

They are crooks. I have been a licensed driver for 44 years, insured, and this company had me for 3 months on pins and needles with their incompetent ways of taking information and putting the wrong numbers for my account even though they were on auto pay. They charged me for late fees for their errors, and at 69, I could not handle so much. They said my bank declined payment, and this went on for 3 months. Finally, I went to the bank, and my bank told them they had not received a request for payment from them. They still said I had to pay the bill with a late fee. That day I had an appointment with a doctor. Because of all this, I got lost and even got into my first accident. Then they tried to take my vehicle for $1,500. I was able to take my vehicle back and fix it myself for less than those $1,500 dollars, which they said was a total loss. I will not recommend this company.

Jerome

Verified Review

Allstate

Reviewed in Texas on March 12, 2026

Excellent customer service

Roger

Verified Review

Good Coverage, But Expensive

Reviewed in Texas on March 11, 2026

Good coverage, but expensive. I only stayed with them because my homeowners insurance was cheaper after I got a new roof due to hail damage. It was a struggle, and I only got a new roof because my roofer was persistent.

Nelda

Verified Review

Way too pricey for minimum coverage. I was paying almost $600 monthly for 2 vehicles. I thought all along I had full coverage for that price.

Reviewed in Texas on March 9, 2026

Way too pricey for minimum coverage. I was paying almost $600 monthly for 2 vehicles. I thought all along I had full coverage for that price.

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!

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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: Monday, March 9 at 12:00 PM PDT. 

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: Monday, March 9 at 12:00 PM PDT. 

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: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$58	$73
Mile Auto	$74	$90
Progressive	$80	$100
Allstate	$81	$105
GEICO	$96	$125
USAA	$104	$134
Mercury	$113	$157
Dairyland	$122	$152
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	$175
Sun Coast	$139	$173
Safeco	$143	$188
Direct Auto	$147	$183
National General	$147	$182
Elephant	$151	$180
Chubb	$176	$223
21st Century	$203	$267
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: Monday, March 9 at 12:00 PM PDT. 

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	$161
Root	$122	$163
The General	$124	$170
Commonwealth Casualty	$124	$163
Bristol West	$126	$165
GAINSCO	$129	$165
Nationwide	$130	$174
AssuranceAmerica	$135	$179
Clearcover	$136	$198
Sun Coast	$139	$183
Safeco	$143	$199
Direct Auto	$147	$200
National General	$147	$195
Elephant	$151	$196
Chubb	$176	$233
21st Century	$203	$275
Liberty Mutual	$265	$351

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 $178 for liability only and $269 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: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$58	$83
Mile Auto	$74	$106
Progressive	$80	$110
Allstate	$81	$116
GEICO	$96	$136
USAA	$104	$149
Mercury	$113	$168
Dairyland	$122	$174
Root	$122	$175
The General	$124	$177
Commonwealth Casualty	$124	$177
Bristol West	$126	$180
GAINSCO	$129	$184
Nationwide	$130	$186
AssuranceAmerica	$135	$193
Clearcover	$136	$194
Sun Coast	$139	$191
Safeco	$143	$217
Direct Auto	$147	$210
National General	$147	$210
Elephant	$151	$216
Chubb	$176	$251
21st Century	$203	$272
Liberty Mutual	$265	$379

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 $111 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: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$45	$79
Mile Auto	$58	$122
Allstate	$65	$115
Progressive	$68	$117
GEICO	$76	$143
USAA	$84	$146
Mercury	$89	$136
Nationwide	$99	$172
Commonwealth Casualty	$99	$233
Root	$101	$174
Dairyland	$102	$291
The General	$104	$201
Bristol West	$104	$208
AssuranceAmerica	$105	$215
GAINSCO	$109	$218
National General	$115	$197
Sun Coast	$118	$225
Direct Auto	$118	$180
Clearcover	$119	$194
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 $256 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: Monday, March 9 at 12:00 PM PDT. 

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
Mercury	$218	$332
Dairyland	$219	$622
Root	$220	$379
The General	$227	$441
Clearcover	$235	$383
Bristol West	$235	$470
Commonwealth Casualty	$240	$564
GAINSCO	$246	$493
Nationwide	$265	$462
Sun Coast	$274	$521
Elephant	$279	$440
AssuranceAmerica	$291	$599
Direct Auto	$294	$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