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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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New Braunfels car insurance rates average $108 per month for liability-only policies and $191 per month for full-coverage policies.
San Antonio, about 30 miles away, has higher average rates, while more rural Texas cities like Nacogdoches also have higher rates than New Braunfels.
Although the city has some flood risks, ample parking, police crackdowns, and manageable average commute times may keep New Braunfels’ rates below the Texas state average.
No matter if you live in New Braunfels, Seguin, or Gruene, all drivers must meet the Texas minimum car insurance requirements of $30,000/$60,000 of bodily injury coverage and $25,000 of property damage coverage.[1]
The average liability-only policy in New Braunfels is $108 per month, which is cheaper than the $110 Texas state monthly average. But State Farm, Allstate, and Progressive offer rates lower than the average.
Explore the cheapest rates for liability-only car insurance in New Braunfels in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $41 |
| Allstate | $59 |
| Mile Auto | $61 |
| Progressive | $61 |
| GEICO | $66 |
| USAA | $74 |
| Mercury | $82 |
| First Acceptance | $83 |
| The General | $85 |
| Alinsco | $86 |
| Lone Star | $89 |
| Commonwealth Casualty | $92 |
| GAINSCO | $92 |
| Bristol West | $96 |
| Clearcover | $96 |
| Covercube | $96 |
| Root | $96 |
| Dairyland | $98 |
| AssuranceAmerica | $101 |
| Mendota | $101 |
| Excepsure | $105 |
| Sun Coast | $105 |
| Direct Auto | $107 |
| Safeco | $107 |
| National General | $111 |
| Loop | $113 |
| Elephant | $114 |
| Chubb | $125 |
| Trexis One | $130 |
| 21st Century | $144 |
| Insurify Car | $145 |
| Hugo | $152 |
| Liberty Mutual | $176 |
Pay your first week’s premium and get immediate proof of insurance
Texas law doesn’t require drivers in Comal County to carry more than the minimum state requirements. Still, many New Braunfels commuters may want the peace of mind that extra insurance covers — especially with the multi-year roadway improvement projects breaking ground throughout the city.
Rush-hour construction schedules and single-lane access during roadwork on streets like Divine Way and Burleson Drive may increase the chances of accidents and vehicle damage from road debris.
State Farm offers the lowest full-coverage rates in New Braunfels, at $81. In comparison, the city’s average is much higher, at $191 per month. Average full-coverage premiums in Texas are $205 per month.
Look at the table below to see if the cheapest rates for full-coverage car insurance in New Braunfels offer the right coverage for your budget.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $81 |
| Progressive | $113 |
| Allstate | $114 |
| Mercury | $131 |
| Mile Auto | $134 |
| GEICO | $140 |
| USAA | $144 |
| Root | $159 |
| Safeco | $160 |
| Clearcover | $167 |
| Alinsco | $170 |
| Direct Auto | $170 |
| GAINSCO | $175 |
| Elephant | $177 |
| National General | $183 |
| Bristol West | $184 |
| AssuranceAmerica | $185 |
| The General | $191 |
| Mendota | $197 |
| Commonwealth Casualty | $200 |
| First Acceptance | $202 |
| Loop | $209 |
| Lone Star | $210 |
| Sun Coast | $211 |
| Covercube | $221 |
| Dairyland | $229 |
| Chubb | $246 |
| Liberty Mutual | $256 |
| Trexis One | $271 |
| 21st Century | $284 |
New Braunfels is about 30 miles northeast of San Antonio, which has a higher average rate of $173 per month. With the Texas state average at $158, New Braunfels’ $150 average rate is among the top 16 cities with the lowest average premiums.
Overall crime in New Braunfels decreased in 2025, and the city has a lower average number of motor vehicle thefts than other Texas cities.[2] San Antonio, for instance, has much higher rates of vehicle theft and higher average premiums.
Look at the table below to see how New Braunfels car insurance rates compare to other cities in Texas.
City | Average Monthly Quote |
|---|---|
| Abilene | $138 |
| Amarillo | $158 |
| Arlington | $171 |
| Austin | $171 |
| Beaumont | $180 |
| Brownsville | $167 |
| Corpus Christi | $172 |
| Dallas | $187 |
| Denton | $160 |
| El Paso | $145 |
| Fort Worth | $163 |
| Galveston | $174 |
| Garland | $187 |
| Grand Prairie | $176 |
| Houston | $222 |
| Huntsville | $158 |
| Irving | $175 |
| Killeen | $154 |
| Laredo | $159 |
| Lubbock | $154 |
| McAllen | $180 |
| Mesquite | $188 |
| Midland | $151 |
| New Braunfels | $150 |
| Odessa | $169 |
| Plano | $166 |
| San Antonio | $173 |
| San Marcos | $158 |
*Quotes generated for Insurify users in and around New Braunfels, Texas within the last 10 days. Last updated on July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around New Braunfels, Texas within the last 10 days. Last updated on July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
A mistake-free driving history can help you keep costs low for liability and property damage insurance. But even if you do have an incident on your record, it’s still possible to find cheap insurance.
Here are the most affordable companies for New Braunfels drivers by record:
Cheapest car insurance for New Braunfels drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in New Braunfels: State Farm
Cheapest car insurance for New Braunfels drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DWI in New Braunfels: State Farm
Although Texas banned red-light cameras, the city has seen an increase in driving while intoxicated (DWI) arrests, so police may keep a closer eye on traffic violators. If you were one of the 21,000 traffic stops New Braunfels police made in 2025, your insurer may have increased your rates.
Less than 4% of New Braunfels drivers have a traffic ticket on their record, but more than 5% have been in an at-fault accident, according to Insurify data. The table below shows how a driving infraction increases rates for New Braunfels drivers.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $150 |
| Speeding ticket | $188 |
| At-fault accident | $199 |
| DWI | $209 |
From the annual Wurstfest and Saengerfest to the farmers’ market and antique mall on Castell Avenue, visitors and locals spend time in New Braunfels throughout the year. That means vehicles have all-season risks, too.
Tourism had an estimated city impact of $1.3 billion in 2024. Downtown New Braunfels has more than 250 paid public parking spaces in addition to its 1,080 free spaces on streets and in public lots, enabling more than 1,300 cars to crowd New Braunfels’ compact historic district.
The rivers, creeks, and streams surrounding New Braunfels also make the entire area prone to flooding.[3] With increased traffic and potential for weather-related damages, drivers in New Braunfels may believe that the best coverage is a full-coverage insurance policy that includes collision coverage and comprehensive coverage.
Around half of New Braunfels residents report commute times of less than 24 minutes, but that could change. New Braunfels drivers should expect new traffic patterns and increased traffic over the next few years.
Citywide road-improvement projects include Kohlenberg Road, Elizabeth Avenue, Farm to Market Road 306, Goodwin Lane, Loop 337, and the Devine Way Rehabilitation Project.[4] Fender benders and collisions with construction barriers can increase your car insurance rates, even if it’s your first claim.
Texan drivers can get behind the wheel as early as age 15.[5] With 23% of New Braunfels’ population younger than age 18, the city could see significantly more teen drivers behind the wheel in the coming years.
Teens in New Braunfels pay monthly averages of $211 for liability policies and $373 for full-coverage policies.
Here’s a look at the cheapest car insurance companies for New Braunfels teen drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $82 |
| Progressive | $119 |
| Allstate | $120 |
| GEICO | $124 |
| Mile Auto | $129 |
| USAA | $141 |
| Root | $151 |
| Mercury | $155 |
| The General | $159 |
| First Acceptance | $162 |
| Clearcover | $164 |
| Alinsco | $168 |
| GAINSCO | $168 |
| Lone Star | $174 |
| Bristol West | $176 |
| Dairyland | $177 |
| Commonwealth Casualty | $179 |
| Covercube | $187 |
| Mendota | $197 |
| Excepsure | $205 |
| Sun Coast | $205 |
| Elephant | $213 |
| Direct Auto | $215 |
| AssuranceAmerica | $215 |
| Loop | $220 |
| Safeco | $224 |
| National General | $228 |
| Trexis One | $254 |
| Chubb | $264 |
| 21st Century | $267 |
| Insurify Car | $283 |
| Hugo | $296 |
| Liberty Mutual | $319 |
Save up to $1,100 per year on coverage
Just as New Braunfels has a high population of teens, nearly 17% of its residents are aged 65 or older. The cheapest liability coverage for seniors is available through State Farm.
The table below shows insurance quotes for New Braunfels senior drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $32 |
| Mile Auto | $47 |
| Allstate | $47 |
| Progressive | $52 |
| GEICO | $52 |
| USAA | $59 |
| Mercury | $64 |
| First Acceptance | $70 |
| The General | $72 |
| Alinsco | $73 |
| Commonwealth Casualty | $74 |
| Lone Star | $76 |
| GAINSCO | $78 |
| AssuranceAmerica | $78 |
| Bristol West | $79 |
| Covercube | $81 |
| Dairyland | $82 |
| Clearcover | $84 |
| Mendota | $86 |
| National General | $86 |
| Direct Auto | $87 |
| Root | $88 |
| Excepsure | $89 |
| Sun Coast | $89 |
| Elephant | $92 |
| Safeco | $93 |
| Chubb | $93 |
| Loop | $96 |
| Trexis One | $110 |
| 21st Century | $112 |
| Insurify Car | $123 |
| Hugo | $129 |
| Liberty Mutual | $145 |
No matter where or how often you drive in Texas Hill Country, use these FAQs to ensure your New Braunfels auto insurance policy aligns with your unique needs and budget.
Car insurance in New Braunfels, Texas, costs an average of $150 per month. Your rate may be higher or lower depending on the type of insurance policy you choose and your unique driver profile.
State Farm has the cheapest car insurance in New Braunfels, with rates averaging $41 per month for liability coverage.
Car insurance coverage options vary by insurer, but many insurance agencies offer add-ons like medical payments coverage, roadside assistance, uninsured motorist coverage, and gap insurance.
If your auto insurance lapses in New Braunfels and you drive your car without insurance, you may face penalties under Texas law, which includes fines, jail time, or a suspended license.[6] Your next insurance company may also raise your premium or refuse to issue a new policy.
New Braunfels’ flood-prone location affects car insurance rates, as does its status as one of the fastest-growing cities, as new drivers relocate to New Braunfels. Additionally, the current road construction projects can raise rates due to increased accident risk. Overall, your specific insurance needs and driving history will also affect your rates.
You can lower your car insurance in New Braunfels by increasing your deductibles, maintaining an error-free driving history, switching to a minimum liability policy, asking about insurance discounts, and bundling your policy with business insurance, pet insurance, renters insurance, or home insurance.
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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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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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