Cheapest Auto Insurance in Galveston, Texas (2024)

State Farm has the cheapest car insurance in Galveston, starting at $38 per month.

Angela Brown
Written byAngela Brown
Angela Brown
Angela Brown
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Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

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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Updated May 29, 2024

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Cheapest recent rates near Galveston, Texas

Recent Galveston, Texas car insurance prices for Mercedes Benz, Honda, Dodge , and more.

*Quotes generated for Insurify users in and around Galveston, Texas within the last 10 days. Last updated on May 28, 2024

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 May 28, 2024. 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 May 28, 2024

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 May 28, 2024. 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 $185 monthly for auto coverage. This is about the same as the statewide average of $185 in Texas but somewhat higher than the national overall average of $160 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 $123 per month for liability coverage and $248 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 CompanyIQ Score
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.
Full CoverageLiability OnlyBest For
State Farm4.6$64$38Cheap rates
GEICO4.4$69$42Coverage options
Allstate4.4$90$54Discounts
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
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.
4.6
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.
$38/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

Read our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

Best insurer for coverage options: GEICO

Compare personalized, real-time quotes
IQ Score
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.
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.
$69/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

Read our GEICO review
Diana - May 29, 2024
Verified

Too Expensive!

Way too expensive.

Andrew - May 29, 2024
Verified

Too Expensive

Too expensive. $115 a month for basic liability.

Kennethkenneth - May 29, 2024
Verified

I Want Out

They are too expensive.

Best insurer for discounts: Allstate

Compare personalized, real-time quotes
IQ Score
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.
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.
$54/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.
$90/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

Read our Allstate review
Sandra - May 29, 2024
Verified

Discussed with Auto Insurance Supplier

It's extremely expensive, even though I have no points against my driver's license. I've never had an accident that was my fault, and I even have renters insurance included. Plus, I have great credit!

David - May 29, 2024
Verified

Upset!

I have sent numerous emails about my rates being raised and no one has gotten back to me! I am currently looking for another company.

Robert F - May 29, 2024
Verified

Upset and shocked

I'm not happy with Allstate since they raised my premium to $282 from $166 through no fault of my own. It was a woman from Delaware who rear-ended me very hard and she had no insurance at the time. I am disgusted with them.

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 $123 per month, on average.

While the cheapest rate for liability insurance in Galveston is $38 per month, certain groups pay more for liability coverage. For example, the cheapest liability-only coverage for Galveston teens is $63. The table below provides insight into liability-only quotes from top insurers in Galveston.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm38
GEICO42
Allstate54
Mile Auto54
Hugo56
USAA68
Safeco81
Nationwide86
Mercury90
Midvale Home & Auto98
Progressive98
Dairyland104
Clearcover111
Chubb116
National General121
Liberty Mutual126
Elephant128
Direct Auto132
21st Century134
Commonwealth Casualty135
The General142
GAINSCO154
Bristol West159
State Auto178
AssuranceAmerica179
Infinity191
Hallmark212
Foremost218
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 $248 per month. The following table shows average full-coverage quotes from insurers serving Galveston.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm64
GEICO69
Allstate90
Mile Auto112
USAA113
Clearcover142
Hugo144
Mercury144
Nationwide163
Safeco170
Progressive172
Midvale Home & Auto175
Chubb193
Elephant214
21st Century223
AssuranceAmerica238
Liberty Mutual263
Direct Auto267
National General267
Dairyland269
Infinity298
The General298
Bristol West317
State Auto323
GAINSCO336
Commonwealth Casualty352
Foremost446
Hallmark461
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 Much Other Insurify Customers Pay in and around Galveston, Texas

Drivers in and around Galveston, Texas have found policies from Commonwealth Casualty, Safeco, Allstate, 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 May 28, 2024

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 May 28, 2024. 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 May 28, 2024

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 May 28, 2024. 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:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision insurance

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive insurance

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

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Personal injury protection

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

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor coverage

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

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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 $342 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

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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 $176 for liability-only coverage and $355 per month for full coverage. Below are the cheapest car insurance companies for drivers in Galveston with speeding tickets.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm3849
GEICO4255
Allstate5470
Mile Auto5475
Hugo5677
USAA6888
Safeco81107
Nationwide86113
Mercury90125
Midvale Home & Auto98132
Progressive98127
Dairyland104136
Clearcover111145
Chubb116153
National General121173
Liberty Mutual126180
Elephant128183
Direct Auto132173
21st Century134179
Commonwealth Casualty135193
The General142186
GAINSCO154220
Bristol West159205
State Auto178251
AssuranceAmerica179238
Infinity191258
Hallmark212276
Foremost218312
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 $188 per month for liability-only auto insurance and $379 per month for full coverage.

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

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm3852
GEICO4258
Allstate5475
Mile Auto5482
Hugo5675
USAA6894
Safeco81108
Nationwide86120
Mercury90132
Midvale Home & Auto98143
Progressive98138
Dairyland104144
Clearcover111163
Chubb116161
National General121166
Liberty Mutual126190
Elephant128174
Direct Auto132186
21st Century134189
Commonwealth Casualty135184
The General142200
GAINSCO154206
Bristol West159216
State Auto178270
AssuranceAmerica179248
Infinity191260
Hallmark212284
Foremost218328
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 $428 for full coverage. Below are the cheapest car insurance companies for drivers in Galveston with DUIs.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm3865
GEICO4272
Allstate5492
Mile Auto5484
Hugo5695
USAA68116
Safeco81138
Nationwide86146
Mercury90139
Midvale Home & Auto98167
Progressive98167
Dairyland104177
Clearcover111189
Chubb116198
National General121206
Liberty Mutual126215
Elephant128218
Direct Auto132225
21st Century134228
Commonwealth Casualty135230
The General142242
GAINSCO154262
Bristol West159271
State Auto178303
AssuranceAmerica179305
Infinity191325
Hallmark212361
Foremost218371
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 $179 per month for full coverage and $89 for liability only. Below are the cheapest car insurance companies for senior drivers in Galveston.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm2746
GEICO3151
Hugo3795
Mile Auto3879
Allstate4067
USAA5084
Nationwide60113
Safeco61128
Mercury63101
Progressive65115
Midvale Home & Auto69124
Dairyland78201
Chubb79132
Clearcover83106
National General91200
21st Century93155
Liberty Mutual93193
Elephant94157
Direct Auto95191
Commonwealth Casualty100260
The General109228
GAINSCO117256
Bristol West119237
AssuranceAmerica126168
State Auto128232
Infinity134209
Hallmark150326
Foremost159324
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 $211 per month for liability-only coverage and $426 for full coverage. Below are the cheapest car insurance companies for teenage drivers in Galveston.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm63106
GEICO64106
Allstate92154
Hugo95245
Mile Auto102212
USAA110183
Nationwide143271
Mercury160256
Midvale Home & Auto166297
Safeco166348
Dairyland170440
Progressive173304
Elephant206344
Chubb208347
Clearcover211270
21st Century217362
National General220486
The General224470
Liberty Mutual229478
Commonwealth Casualty234609
Direct Auto235476
Bristol West264526
GAINSCO269587
State Auto307558
AssuranceAmerica324431
Infinity341533
Hallmark368800
Foremost377770
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

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 $185 per month for car insurance, which is about the same as the Texas state average of $185 and higher than the national average of $160. 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.

CityLiability OnlyFull Coverage
Amarillo$104$250
Arlington$126$254
Austin$128$240
Corpus Christi$122$231
Dallas$137$284
El Paso$93$219
Fort Worth$123$245
Houston$170$320
Lubbock$106$240
San Antonio$125$246
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 $185 per month, on average. Drivers pay an average of $248 per month for full-coverage insurance and $123 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 $38 per month. You can also find low rates with GEICO and Allstate, which have liability-only rates of $42 and $54 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 4.6 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 $185 per month. Drivers pay an average of $119 per month for liability coverage and $251 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.

Sources

  1. Texas Automobile Insurance Plan Association. "Home."
  2. Texas Department of Public Safety. "Alcohol-Related Offenses."
  3. Insurance Information Institute. "Senior driving safety and insurance tips."
  4. Texas Department of Insurance. "Credit Scoring and Insurance."
Angela Brown
Angela Brown

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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

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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