Galveston Auto Insurance Rates, Quotes, Agents & Reviews in TX

Galveston, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Galveston, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Cheapest Auto Insurance Rates in Galveston, TX

The average cost of car insurance in Galveston, TX, is $1,429. The cost of car insurance is less when compared to neighboring locations like Tiki Island, Jamaica Beach, Hitchcock, and La Marque-Hitchcock. Not everyone understands car insurance, and getting the most accurate and affordable online quotes for auto insurance in Galveston, TX, is challenging. The cost of auto insurance varies from city to city and insurer to another. A decent credit record, good driving history, and driver's age are a few components that determine how much you will pay on car insurance in Galveston, TX. This article will discuss different aspects of auto insurance, including factors that affect your premium rates and how to get cheaper car insurance in Galveston, TX.

Top Auto Insurance Companies in Galveston, TX

Car insurance is a legal requirement in most states. The right policy can help protect you and your car, but the last thing you want to do is spend the whole day calling up insurance companies, asking them the same questions over and over again to get a quote. However, here are the top auto insurance providers in Galveston, TX.


Car insurance rates based on the credit history

Insurance providers in Galveston, TX, consider many demographics and factors to determine auto insurance rates in Galveston, TX. One of the main factors that insurance providers look at is your credit score. 

Auto owners with excellent credit scores have to pay $1,226, while car owners with poor credit scores pay $2,331. The difference between the two is substantial, and by holding a good credit score, you can avail of discounts on your auto insurance rates in Galveston, TX.

Refer to the chart below to know the applicable cost based on the credit score.


Car insurance rates based on the driving history

If a policyholder is found with any regulation infringing driving rules, the premium tends to increase. For example, car owner driving a car with an expired registration, the premium increases by $147. Therefore, car owners must avoid violating driving rules and maintain a squeaky-clean driving history to save money on car insurance in Galveston, TX.

Car insurance rates based on the age of the driver

The average car insurance for teenage drivers in Galveston, TX, is $4,637. Teenagers pay more for car insurance because insurers consider them risky drivers because of their lack of driving experience. Drivers aged 40 pay less than teenagers, with an average premium of $1,361.000

Factors that can influence the cost of car insurance in Galveston, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Galveston, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Galveston, TX with that of other cities in and around Galveston.

Galveston Galveston Tiki Island Jamaica Beach Hitchcock La Marque-Hitchcock
Average Insurance Rates $1,429 $1,429 $2,328 $2,014 $1,869 $1,899

Galveston, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Galveston, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Galveston County $1,100 $929
Galveston $1,076 $909
Tiki Island $1,385 $1,170
Jamaica Beach $1,468 $1,240
Bayou Vista $1,366 $1,154
Hitchcock $1,626 $1,374
La Marque-Hitchcock $1,485 $1,255
La Marque $1,473 $1,244

Galveston, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Galveston, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,637
20 Years $1,836
30 Years $1,414
40 Years $1,361
50 Years $1,260
60 Years $1,278
70 Years $1,487

Galveston, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Galveston, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,429 $429
3 Vehicles $3,644 $643
4 Vehicles $4,859 $857

Savings on 2 Vehicles bundle:$429

Savings on 3 Vehicles bundle:$643

Savings on 4 Vehicles bundle:$857

Galveston, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Galveston, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Galveston County $1,386 $2,158
Galveston $1,429 $2,225
Tiki Island $2,328 $3,624
Jamaica Beach $2,014 $3,135
Bayou Vista $2,037 $3,171
Hitchcock $1,869 $2,910
La Marque-Hitchcock $1,899 $2,956
La Marque $1,875 $2,919

Galveston, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,226
Excellent (740-799) $1,400
Good (670-739) $1,489
Average (580-669) $1,943
Poor (300-579) $2,331

Galveston, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Lamb Agency For Marine And Bonds, Inc. None 2200 Market Street, Suite 325, Galveston, 77550 None
Dennis Cooke State Farm 3345 Gulf Fwy, Dickinson, 77539-4116 281-337-5606
Iii-Murray Insurance & Financial Services Llc Travelers 6511 STEWART RD STE 10, GALVESTON, 77551 409-740-7788
Barry Hoskins State Farm 4000 Washington Ave Ste 304, Houston, 77007-5673 713-426-4440
Pam Ellis State Farm 5900 Memorial Drive, Houston, 77007 713-869-7263
James W Murray Nationwide 6511 Stewart Rd STE 10, Galveston, 77551-1896 (409) 740-7788
Lucien Gomez Farmers 14615 Main St, Houston, 77035 (713) 721-1000
Larry Haas Agency Nationwide 5114 Bissonnet St, Bellaire, 77401-4007 (713) 667-8999
Jan Stomel State Farm 4900 Bissonnet St Ste 103, Bellaire, 77401-4054 713-660-0990
Insurance Market Solutions Group Llc Travelers 5252 WESTCHESTER STE 160, HOUSTON, 77005 713-667-4674
Frank Crystal & Co Of Texas Inc Liberty Mutual Independent 2000 WEST LOOP S STE 1800, HOUSTON, 77027 (800) 528-2250

Galveston, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$63 $1,492
Driver's Failure In Showing Documents +$139 $1,568
Driving With An Expired Registration +$147 $1,576
Driving At A Considerably Slow Pace +$310 $1,739
Using A Cellphone While Driving +$327 $1,756
Running A Red Light +$333 $1,762
Speeding +$350 $1,779
Driving A Vehicle Without The Required Permission +$444 $1,873
Driving With An Expired/Suspended License +$963 $2,392

Galveston, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,372
Active Disabling Device $1,372
Tracking Device $1,343
Passive Disabling Device $1,329

Latest Auto Insurance Reviews in Galveston, TX | Back to Top

State Farm
My premium and deductible are lower than what I was quoted by other companies in the area. Since I already had state farm auto insurance, I received a good deal to bundle it with my home insurance.
Our car insurance is bundled with our home,love the service and the trust with our agent.
I am satisfied with the premium as it is a little lower than the others I looked into with the coverage I desire.
My customer service with this insurance company is very good, always responds quickly and clearly, responds to all my doubts and needs, makes me feel that I am heard and all my doubts disappear.
I would recommend them to my friends and family with reservation. The service has been exemplary and they have risen to the challenge whenever needed.
My auto policy is comprehensive/liability with roadside assistance. I like them for their low premiums and good customer service through their broker.
Encompass Insurance
I can call them anytime with a claim or about questions. They are responsive. In some what I miss the person to person interaction of my old insurance, but the coverage I get with the online company is as good or better at a much better price.