17+ years in insurance and personal finance writing
In-depth knowledge of home and real estate topics
Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.
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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Finding cheap car insurance can go a long way toward maximizing every dollar in your budget. Drivers in Galveston can expect to pay an overall average of $178 monthly for auto coverage. Liability-only coverage is less expensive, at an average of $122 per month, while full coverage offers more protection for an average of $234 per month.
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
Texas is an at-fault state for car insurance.
High-risk drivers can participate in the Texas Automobile Insurance Plan Association (TAIPA) if they can’t find insurance.
Insurers in Texas can use your credit score when determining your car insurance premium.
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Best 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 Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$64/mo
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
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$70/mo
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
Unwilling to work with clients. Especially senior citizens on a fixed income.
Janina - September 10, 2023
Verified
Awesome customer service, good prices, easy to deal with.
Kathleen - September 9, 2023
Verified
Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$91/mo
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
Handled a claim ok, but they keep raising my price every 6 months.
Cheapest liability-only car insurance in Galveston
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.
While the cheapest rate for liability insurance in Galveston is $39, certain groups pay more for liability coverage. For example, the cheapest liability-only coverage for Galveston teens is $67. The table below provides insight into liability-only quotes from top insurers in Galveston.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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
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 $234 per month. The following table shows average full-coverage quotes from insurers serving Galveston.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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.
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 and $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 a resident 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 $315 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.
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Cheapest car insurance for drivers with a speeding ticket
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 $166 for liability-only coverage. Below are the cheapest car insurance companies for drivers in Galveston with speeding tickets.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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
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 $260 per month for auto insurance.
Insurance companies also consider the factors that led to the accident (speed, alcohol, etc.) Below are the cheapest car insurance companies for drivers with at-fault accidents in Galveston.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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
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 overall average monthly cost of car insurance with a DUI on your license in Galveston is $296. Below are the cheapest car insurance companies for drivers in Galveston with DUIs.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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
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. Galveston seniors can find liability rates as low as $27 per month. Below are the cheapest car insurance companies for senior drivers in Galveston.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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
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 $209 per month for liability-only coverage. Below are the cheapest car insurance companies for teenage drivers in Galveston.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
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.
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.
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Galveston car insurance quotes by credit tier
Texas allows insurance companies to use your credit score as a factor when setting your premium, but they can’t use it as the sole reason to deny you coverage or renew your policy. Insurance companies must also disclose when they use your credit score.[4]
Your credit score indicates to an insurer if you’re likely to be a risky driver or likely to file claims. Drivers with good credit scores will likely qualify for cheaper insurance, while drivers with poor credit scores may have to pay more.
Rates by Credit Tier
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 $178 per month for car insurance, compared to the Texas state average of $178 and the national average of $139. 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
Nearly all major cities in Texas are less expensive than Galveston for auto insurance, except Houston and Katy, where the average driver pays 11% and 1% more per month for their car insurance, respectively. The table below shows how the cost of full-coverage car insurance in other major Texas cities compares to Galveston.
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 $178 per month, on average. Drivers pay an average of $234 per month for full-coverage insurance and $122 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.
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 4.4 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.
Which car insurance companies in Galveston are the cheapest?
State Farm has the cheapest car insurance in Galveston, with liability rates averaging $39. You can also find low rates with GEICO and Mile Auto, which have liability-only rates of $42 and $49, respectively.
How much is car insurance per month in Texas?
The average cost of car insurance per month in Texas is $155 per month. Drivers pay an average of $124 per month for liability coverage and $186 per month for full coverage.
Can you avoid paying car insurance in Texas?
No. You can’t avoid paying 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.
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.