120+ more*Quotes generated for Insurify users in and around Galveston, Texas within the last 10 days. Last updated on May 28, 2026. 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, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Galveston drivers pay an average monthly rate of $119 for liability insurance and $206 for full-coverage car insurance. These average rates are partly due to Galveston’s coastal location, which puts it at high risk for hurricanes and flooding.[1]
Galveston has lower rates than larger Texas cities like Houston, due to lower overall congestion and traffic. But Galveston’s rates are higher than those of a city like Amarillo, which doesn’t have coastal risks.
State Farm is the cheapest insurer for liability coverage in Galveston. State Farm has the lowest full-coverage rates. Galveston’s average car insurance rates are typically higher than the overall Texas average.
Texas requires all drivers to have at least $30,000 per person and $60,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage.[2] Liability insurance covers only injuries and damage you cause to others in an accident, not your own.
For more protection, you may want full-coverage car insurance. Full coverage includes liability, comprehensive, and collision coverage. Comprehensive insurance covers non-collision damage, like vandalism or theft. Collision insurance covers you if you hit a car or other stationary object.
The following table shows liability and full-coverage car insurance quotes in Galveston, according to Insurify data.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $44 | $86 |
| Allstate | $63 | $122 |
| Mile Auto | $65 | $137 |
| Progressive | $67 | $125 |
| GEICO | $72 | $151 |
| USAA | $80 | $154 |
| Mercury | $89 | $141 |
| First Acceptance | $92 | $222 |
| The General | $94 | $208 |
| Alinsco | $96 | $186 |
| Lone Star | $98 | $231 |
| Freedom National | $99 | $259 |
| Nationwide | $100 | $194 |
| Commonwealth Casualty | $101 | $222 |
| Dairyland | $103 | $248 |
| GAINSCO | $104 | $197 |
| Bristol West | $106 | $201 |
| Clearcover | $106 | $180 |
| Root | $107 | $172 |
| Mendota | $109 | $211 |
| Covercube | $110 | $252 |
| AssuranceAmerica | $112 | $209 |
| Sun Coast | $118 | $233 |
| Safeco | $119 | $172 |
| Direct Auto | $120 | $186 |
| National General | $121 | $198 |
| Loop | $125 | $227 |
| Elephant | $126 | $192 |
| Chubb | $135 | $261 |
| Trexis One | $139 | $284 |
| 21st Century | $157 | $301 |
| Liberty Mutual | $193 | $275 |
Rates vary widely across different Texas cities. Large metro areas have higher premiums because they have more traffic and higher accident rates. Smaller inland cities like Amarillo usually have lower rates because fewer people are on the road.
Galveston falls somewhere in the middle, with rates slightly above the state average, due to its coastal location and hurricane risk. The nearby city of Beaumont shares the same risks and has similar car insurance rates.
The following table outlines the average monthly rates for various Texas cities, based on Insurify data.
City | Average Monthly Quote |
|---|---|
| Abilene | $129 |
| Amarillo | $152 |
| Arlington | $166 |
| Austin | $165 |
| Beaumont | $175 |
| Brownsville | $159 |
| Corpus Christi | $165 |
| Dallas | $180 |
| Denton | $156 |
| El Paso | $139 |
| Fort Worth | $159 |
| Galveston | $163 |
| Garland | $181 |
| Grand Prairie | $171 |
| Houston | $214 |
| Huntsville | $151 |
| Irving | $170 |
| Killeen | $147 |
| Laredo | $153 |
| Lubbock | $150 |
| McAllen | $170 |
| Mesquite | $182 |
| Midland | $148 |
| Odessa | $164 |
| Plano | $160 |
| San Antonio | $167 |
| San Marcos | $158 |
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Flooding is one of the biggest risks Galveston drivers need to watch for. Flash floods can happen quickly, and it takes only one-tenth of an inch of water to hydroplane.[3] Sudden weather shifts can also reduce your visibility and create unsafe driving conditions.
You can protect yourself and your vehicle by avoiding driving during flash flood warnings and by familiarizing yourself with areas that tend to flood.
Galveston tourists can cause congestion in the city, particularly near the Seawall and downtown. Heavy traffic can make it difficult to find parking and increase your risk of an accident. You should use caution in high-traffic areas and areas you’re unfamiliar with.
In Galveston, 4% of drivers have an accident on their record, according to Insurify data. Texas is an at-fault state, meaning the driver who caused the accident is financially responsible for any damages and medical payments.
Insurify data shows that 1% of Galveston drivers have a driving while intoxicated (DWI) conviction. Texas takes DWI enforcement seriously, and a first offense could result in a $2,000 fine, up to 180 days in jail, and losing your license for up to one year.[4]
The table below shows average rates in Galveston for different driving records, according to Insurify data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $163 |
| Speeding ticket | $204 |
| At-fault accident | $217 |
| DWI | $225 |
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In Texas, teen drivers have provisional licenses until they turn 18. With a provisional license, younger drivers can’t have more than one non-family member passenger younger than 21. They also can’t drive between midnight and 5 a.m., with certain exceptions.[5]
The following table shows the average rates for different age groups in Galveston, according to Insurify data.
Age | Average Monthly Quote |
|---|---|
| Teens | $252 |
| 20s | $171 |
| 30s | $138 |
| 40s | $130 |
| 50s | $119 |
| 60s | $108 |
| 70+ | $113 |
*Quotes generated for Insurify users in and around Galveston, Texas within the last 10 days. Last updated on May 28, 2026. 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, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Below, you’ll find additional information about Galveston car insurance.
Galveston drivers pay an average monthly rate of $163 for car insurance. Galveston’s rates are slightly higher than the state average. Many factors influence your car insurance premium, including your ZIP code, age, and the car you drive.
State Farm has the cheapest average car insurance in Galveston, with liability rates of $44 per month. But you should shop around and compare quotes from multiple insurers. The right coverage for you depends on various factors, like your budget and coverage needs.
Every driver in Galveston must have auto insurance. Texas requires all drivers to have minimum car insurance limits of 30/60/25. If you drive without car insurance in Galveston, you risk fines and a license suspension.
The best way to get an accurate car insurance quote is to provide accurate information up front. Insurers base your car insurance rate on numerous factors, including your location, driving history, and vehicle. Make sure they have the most up-to-date information for the most accurate quote.
Yes. Many car insurance companies offer discounts in Galveston. Insurers offer various discounts, like those for safe driving, bundling, and vehicle safety features. Ask your insurer which discounts you might qualify for.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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