Buy Cheap Cooper, TX Auto Insurance in 2024
Cooper, TX auto insurance rates average $296 a month. Minimum auto insurance requirements in Cooper, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Cooper, TX, compare Cooper auto insurance quotes from top companies.
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Laura Gunn
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Insurance and Finance Writer
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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 auto insurance rates in Cooper, TX are $296/month
- The most expensive auto insurance company in Cooper after a DUI is Allstate
- Average auto insurance rates in Cooper, TX after a DUI are $4,052/year
Finding affordable Cooper, Texas auto insurance can be challenging, but everything you need to know to buy cheap Cooper, TX auto insurance with confidence is right here. Auto insurance rates in Cooper are affected by local factors as well as personal ones like your driving record.
See how Cooper, TX car insurance rates compare to San Antonio auto insurance rates, Fort Worth auto insurance rates, and Laredo auto insurance rates before you read more about the cost of auto insurance in Cooper.
Don’t buy Cooper, TX auto insurance until you’ve compared rates. Get free Cooper, Texas auto insurance quotes when you enter your ZIP code above.
Cooper, TX Minimum Auto Insurance Requirements
The required auto insurance in Cooper, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Cooper, Texas is outlined here.
| 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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Find Cheap Cooper, TX Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Cooper, TX. Take a look at Cooper, Texas auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,840 | $4,986 | $4,260 |
| American Family | $5,147 | $3,216 | $2,817 |
| Geico | $4,593 | $2,609 | $1,746 |
| Nationwide | $4,106 | $3,293 | $2,866 |
| Progressive | $4,846 | $4,198 | $3,894 |
| State Farm | $3,912 | $2,434 | $1,938 |
| USAA | $3,413 | $1,963 | $1,577 |
Buy Cheap Cooper, TX Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Cooper, Texas auto insurance rates? Find out how car insurance rates in Cooper, TX are impacted by demographics.
| 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 | $3,498 | $3,534 | $3,458 | $3,458 | $9,105 | $11,008 | $4,326 | $4,511 |
| American Family | $2,288 | $2,534 | $2,125 | $2,420 | $5,854 | $7,670 | $3,238 | $3,686 |
| Geico | $2,260 | $2,415 | $2,156 | $2,404 | $4,772 | $4,977 | $2,434 | $2,443 |
| Nationwide | $2,166 | $2,208 | $1,915 | $2,031 | $6,025 | $7,753 | $2,533 | $2,743 |
| Progressive | $2,297 | $2,180 | $2,050 | $2,089 | $9,663 | $10,757 | $2,716 | $2,748 |
| State Farm | $1,944 | $1,944 | $1,726 | $1,726 | $4,603 | $5,859 | $2,110 | $2,178 |
| USAA | $1,484 | $1,496 | $1,415 | $1,408 | $4,127 | $4,506 | $1,977 | $2,128 |
Buy Cheap Cooper, TX Auto Insurance for Teen Drivers
Auto insurance for teenagers in Cooper can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Cooper, TX are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,105 | $11,008 |
| American Family | $5,854 | $7,670 |
| Geico | $4,772 | $4,977 |
| Nationwide | $6,025 | $7,753 |
| Progressive | $9,663 | $10,757 |
| State Farm | $4,603 | $5,859 |
| USAA | $4,127 | $4,506 |
Buy Cheap Cooper, TX Auto Insurance for Seniors
You can save on senior auto insurance rates in Cooper, Texas by comparing Cooper senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Cooper, TX here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,458 | $3,458 |
| American Family | $2,125 | $2,420 |
| Geico | $2,156 | $2,404 |
| Nationwide | $1,915 | $2,031 |
| Progressive | $2,050 | $2,089 |
| State Farm | $1,726 | $1,726 |
| USAA | $1,415 | $1,408 |
Find Cheap Auto Insurance Rates in Cooper, TX by Coverage Level
The amount of coverage you choose is a big factor in the cost of Cooper, Texas auto insurance. Compare Cooper, TX auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,227 | $5,312 | $5,548 |
| American Family | $3,478 | $3,596 | $4,106 |
| Geico | $2,841 | $2,949 | $3,158 |
| Nationwide | $3,698 | $3,274 | $3,293 |
| Progressive | $4,102 | $4,292 | $4,543 |
| State Farm | $2,625 | $2,752 | $2,907 |
| USAA | $2,245 | $2,309 | $2,398 |
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Find Cheap Cooper, TX Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Cooper. Compare auto insurance rates in Cooper, TX by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,235 | $5,490 |
| American Family | $3,727 | $3,727 |
| Geico | $2,925 | $3,040 |
| Nationwide | $3,422 | $3,422 |
| Progressive | $4,313 | $4,313 |
| State Farm | $2,761 | $2,761 |
| USAA | $2,288 | $2,347 |
Find Cheap Cooper, TX Auto Insurance Rates by Driving Record
Auto insurance rates in Cooper, Texas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Cooper, TX, take a look at the average cost for various violations versus rates for a clean driving record in Cooper.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,186 | $6,416 | $6,661 | $4,186 |
| American Family | $3,408 | $4,305 | $3,787 | $3,408 |
| Geico | $2,534 | $3,310 | $2,817 | $3,268 |
| Nationwide | $2,967 | $2,967 | $4,399 | $3,353 |
| Progressive | $3,763 | $4,867 | $4,387 | $4,234 |
| State Farm | $2,460 | $2,813 | $3,313 | $2,460 |
| USAA | $1,733 | $2,547 | $3,003 | $1,988 |
Find Cheap Cooper, TX Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Cooper, Texas is higher than for a clean driving record. You can buy auto insurance after a DUI in Cooper for less when you shop around and compare rates from multiple Cooper, TX auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,661 |
| American Family | $3,787 |
| Geico | $2,817 |
| Nationwide | $4,399 |
| Progressive | $4,387 |
| State Farm | $3,313 |
| USAA | $3,003 |
Winners by Category: Where to Buy Cheap Auto Insurance in Cooper, TX
Compare rates from the cheapest auto insurance companies in Cooper, TX for your needs. Take a look at how Cooper, Texas auto insurance companies stack up for 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 |
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Find Cheap Cooper, Texas Auto Insurance Companies
If you’re looking for the cheapest Cooper, TX auto insurance companies overall, you can compare them here. Find the best price for Cooper, Texas car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,362 |
| American Family | $3,727 |
| Geico | $2,983 |
| Nationwide | $3,422 |
| Progressive | $4,313 |
| State Farm | $2,761 |
| USAA | $2,318 |
What affects Cooper, Texas auto insurance rates?
Local factors affect auto insurance rates in Cooper, TX, including traffic, theft statistics, and commute length. Take a look at the things that impact Cooper auto insurance rates.
Commute Times in Cooper
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Cooper, TX is 34.5 minutes according to City-Data.
Compare Auto Insurance Quotes in Cooper, TX
You can buy cheap Cooper, TX auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Cooper, Texas auto insurance quotes from top companies.
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Frequently Asked Questions
How can I buy cheap auto insurance in Cooper, TX?
To buy cheap auto insurance in Cooper, TX, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a clean driving record to qualify for lower premiums.
- Opt for higher deductibles, as it can lower your premium amount.
- Bundle your auto insurance with other policies, such as home insurance, to avail of multi-policy discounts.
- Take advantage of available discounts, such as safe driver discounts, low mileage discounts, or discounts for anti-theft devices.
What factors affect auto insurance rates in Cooper, TX?
Several factors can impact auto insurance rates in Cooper, TX, including:
- Your driving record and history of accidents or traffic violations.
- The type, make, and model of your vehicle.
- Your age, gender, and marital status.
- The coverage limits and deductibles you choose.
- Your credit history.
- The average cost of auto insurance in your area.
What are the benefits of purchasing auto insurance in Cooper, TX?
The benefits of purchasing auto insurance in Cooper, TX include:
- Financial protection against damages to your vehicle due to accidents or theft.
- Coverage for medical expenses resulting from an accident.
- Protection against liability claims if you cause an accident that injures someone else or damages their property.
- Peace of mind knowing that you have coverage in case of unforeseen events on the road.
Are there any drawbacks to consider when buying cheap auto insurance?
While cheap auto insurance can be cost-effective, there are some drawbacks to consider:
- Lower coverage limits may leave you financially vulnerable in case of a severe accident.
- Cheap insurance policies may have higher deductibles, resulting in higher out-of-pocket expenses.
- Limited coverage options or exclusions may apply, which could lead to gaps in coverage.
- Customer service quality may vary among insurance providers offering cheap policies.
How can I find the right balance between affordability and coverage in auto insurance?
Finding the right balance between affordability and coverage requires careful consideration. Keep these points in mind:
- Assess your individual needs and determine the minimum coverage required by law.
- Evaluate the potential risks you may face on the road and choose coverage accordingly.
- Compare quotes from different insurance providers to find competitive prices.
- Read policy documents carefully to understand the coverage and any exclusions.
- Consider working with a reputable insurance agent or broker who can guide you through the process.
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Laura Gunn
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Insurance and Finance Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.