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.
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 Rates
- Galveston, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Galveston, TX
- Multi Vehicle Insurance Savings in Galveston, TX
- How Credit Score Affects Car Insurance Rates in Galveston, TX
- How DUI Affects Auto Insurance Premiums in Galveston, TX
- Top Auto Insurance Agents Near Galveston, TX
- How Driving Violations Affect Auto Insurance Rates in Galveston, TX
- Galveston, TX Auto Insurance Discounts on Anti Theft Feature
- Galveston, TX Auto Insurance Company Reviews
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 FarmMy 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.
AllstateOur car insurance is bundled with our home,love the service and the trust with our agent.
GeicoI am satisfied with the premium as it is a little lower than the others I looked into with the coverage I desire.
AllstateMy 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.
ProgressiveI would recommend them to my friends and family with reservation. The service has been exemplary and they have risen to the challenge whenever needed.
MercuryMy auto policy is comprehensive/liability with roadside assistance. I like them for their low premiums and good customer service through their broker.
Encompass InsuranceI 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.