Cheap Quotes for Denison, TX Car Insurance (2024)
Denison, Texas car insurance rates average $287 a month and Texas law requires coverage of at least 30/60/25. By comparing rates from multiple Denison, TX companies, you can find cheap Denison car insurance quotes to fit your needs and budget.
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Jeffrey Johnson
Insurance Lawyer
Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...
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UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Denison, TX for senior drivers are $2,112/year
- Denison has an average commute time of 21.1 minutes
- Average car insurance rates in Denison, TX are $287/month
How do the Denison, Texas monthly average car insurance rates of $287/month compare to nearby cities like San Antonio car insurance rates, Austin car insurance rates, and Arlington car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Denison, TX.
We’ll cover the Texas minimum coverage requirements, Texas car insurance laws, and Denison, TX statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Denison, Texas companies to find the most affordable Denison car insurance rates.
Enter your ZIP code above to find cheap Denison, TX car insurance quotes today.
What are the minimum Denison, TX car insurance requirements?
To meet Texas minimum car insurance coverage requirements, Denison, TX drivers need to carry at least 30/60/25 coverage.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Average Denison, TX Car Insurance Rates by ZIP Code
Where you live is a major determinate of your car insurance rates. Even within Denison, TX you can see that rates will vary by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 75020 | $5,027 |
| 75021 | $5,074 |
How do age, gender, and marital status affect Denison, TX car insurance rates?
Three of the criteria that most affect car insurance rates in Denison, Texas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Denison car insurance companies.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,525 | $3,552 | $3,483 | $3,483 | $9,290 | $11,193 | $4,347 | $4,516 |
| American Family | $2,197 | $2,433 | $2,048 | $2,331 | $5,637 | $7,384 | $3,110 | $3,540 |
| Geico | $2,111 | $2,267 | $2,042 | $2,293 | $4,502 | $4,684 | $2,270 | $2,266 |
| Nationwide | $2,079 | $2,115 | $1,845 | $1,950 | $5,738 | $7,349 | $2,427 | $2,620 |
| Progressive | $2,177 | $2,065 | $1,938 | $1,977 | $8,989 | $10,007 | $2,566 | $2,596 |
| State Farm | $1,910 | $1,910 | $1,704 | $1,704 | $4,639 | $5,925 | $2,081 | $2,147 |
| USAA | $1,453 | $1,459 | $1,389 | $1,376 | $4,084 | $4,441 | $1,932 | $2,066 |
How much do teen drivers pay for car insurance in Denison, TX?
Denison, Texas car insurance rates for teens are often higher than rates for other drivers. Compare Denison car insurance rates from multiple Denison, Texas car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,290 | $11,193 |
| American Family | $5,637 | $7,384 |
| Geico | $4,502 | $4,684 |
| Nationwide | $5,738 | $7,349 |
| Progressive | $8,989 | $10,007 |
| State Farm | $4,639 | $5,925 |
| USAA | $4,084 | $4,441 |
How much do senior drivers pay for car insurance in Denison, TX?
With a little research, seniors can find affordable car insurance in Denison, Texas. Here’s a look at how the top Denison car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,483 | $3,483 |
| American Family | $2,048 | $2,331 |
| Geico | $2,042 | $2,293 |
| Nationwide | $1,845 | $1,950 |
| Progressive | $1,938 | $1,977 |
| State Farm | $1,704 | $1,704 |
| USAA | $1,389 | $1,376 |
How does coverage level affect Denison, TX car insurance rates?
How much coverage do you need? Are you comfortable with the Texas minimum of 30/60/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Denison, TX car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,273 | $5,367 | $5,631 |
| American Family | $3,340 | $3,456 | $3,958 |
| Geico | $2,662 | $2,771 | $2,980 |
| Nationwide | $3,515 | $3,126 | $3,155 |
| Progressive | $3,840 | $4,018 | $4,260 |
| State Farm | $2,611 | $2,744 | $2,902 |
| USAA | $2,198 | $2,266 | $2,361 |
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How does your driving record affect Denison, TX car insurance rates?
Safe driving pays off. The more traffic violations you have in Denison, TX, the higher your car insurance rates will be. Compare rates based on driving infractions from top Denison, Texas companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,203 | $6,513 | $6,776 | $4,203 |
| American Family | $3,281 | $4,136 | $3,642 | $3,281 |
| Geico | $2,385 | $3,133 | $2,636 | $3,064 |
| Nationwide | $2,842 | $2,842 | $4,176 | $3,201 |
| Progressive | $3,528 | $4,549 | $4,114 | $3,967 |
| State Farm | $2,440 | $2,806 | $3,324 | $2,440 |
| USAA | $1,697 | $2,503 | $2,954 | $1,946 |
How does a DUI affect Denison, TX car insurance rates?
With even one DUI on your record, you can see an increase in your Denison, TX car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,776 |
| American Family | $3,642 |
| Geico | $2,636 |
| Nationwide | $4,176 |
| Progressive | $4,114 |
| State Farm | $3,324 |
| USAA | $2,954 |
How does your credit history affect Denison, TX car insurance rates?
Take a look at the data here to see how your Denison, Texas car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,909 | $5,046 | $4,316 |
| American Family | $4,947 | $3,093 | $2,714 |
| Geico | $4,311 | $2,455 | $1,648 |
| Nationwide | $3,918 | $3,144 | $2,734 |
| Progressive | $4,549 | $3,929 | $3,640 |
| State Farm | $3,896 | $2,427 | $1,935 |
| USAA | $3,337 | $1,932 | $1,556 |
How does your commute affect Denison, TX car insurance rates?
Denison, TX car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Texas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Denison if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,293 | $5,555 |
| American Family | $3,585 | $3,585 |
| Geico | $2,754 | $2,855 |
| Nationwide | $3,265 | $3,265 |
| Progressive | $4,039 | $4,039 |
| State Farm | $2,753 | $2,753 |
| USAA | $2,246 | $2,304 |
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Who has the cheapest Denison, TX car insurance rates?
Here’s a breakdown of Denison, Texas car insurance rates by company. You can see which company offers the cheapest Denison car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
What are the top Denison, TX car insurance companies?
Which Denison, Texas car insurance company will best fit your needs and budget? Check out this comparison of the top Denison companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,424 |
| American Family | $3,585 |
| Geico | $2,804 |
| Nationwide | $3,265 |
| Progressive | $4,039 |
| State Farm | $2,753 |
| USAA | $2,275 |
What factors affect Denison, TX car insurance rates?
Why are Denison, Texas car insurance rates different than rates in San Antonio or Austin? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
What is the car theft rate in Denison, TX?
FBI statistics show that the Denison, Texas car theft rate is 54 thefts each year. High theft rates can lead to higher than average Denison, TX car insurance rates.
How long is the average commute in Denison, TX?
More time spent behind the wheel can lead to higher Denison, Texas car insurance rates. In Denison, TX, the average commute length is 21.1 minutes.
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Car Insurance Quotes for Denison, TX
Shop for affordable Denison, Texas car insurance rates today. Enter your ZIP code to compare quotes from multiple Denison, TX car insurance companies.
Compare quotes from the top car insurance companies and save
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Jeffrey Johnson
Insurance Lawyer
Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...
Insurance Lawyer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.