Cheapest Car Insurance Quotes in Atascocita

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Atascocita Car Insurance

^$ 61

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Atascocita

The car insurance rate in Atascocita is $1560 for a six-month policy, which is $281 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $964, making it a popular choice for budget-conscious drivers. Rates in Atascocita can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Atascocita

$1560

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Atascocita

1st place: Mercury

At $964 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: Texas Farm Bureau

Texas Farm Bureau offers auto insurance rates at $1000 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA Texas

AAA Texas offers auto insurance rates at $1008 for six months, making it the third cheapest auto insurance company in Atascocita.

Atascocita Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Atascocita, TX is Mercury, offering policies at just $964 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $1000.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2993 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Atascocita drivers find the best deals.

Cheap Car Insurance Companies in Atascocita, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$964	$161
Texas Farm Bureau	$1000	$170
AAA Texas	$1008	$168
State Farm	$1043	$176
USAA	$1138	$192
Redpoint Insurance	$1188	$203
AAA	$1464	$244
Progressive	$1521	$256
Southern County Mutual	$1573	$262
Allstate	$3276	$551
Farmers	$2993	$509

Key Takeaways

Way's key takeaways about car insurance in Atascocita

The auto insurance costs in Atascocita fall around $964 for six months.
The cheapest auto insurance company in Atascocita is USAA.
Teen drivers pay the highest rate in Atascocita at $1660 per month.

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Cheapest Minimum Liability Car Insurance in Atascocita

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Atascocita are given below.

USAA provides the cheapest minimum car insurance coverage in Atascocita. Their Average 6 Month Premium is $362. Farmers is the most expensive at $1181 for the same period.

Cheapest Liability Coverage in Atascocita, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$362	$61
Texas Farm Bureau	$377	$65
State Farm	$392	$66
Redpoint Insurance	$406	$70
Mercury	$471	$79
AAA	$522	$89
AAA Texas	$522	$87
Progressive	$537	$90
Allstate	$1131	$190
Farmers	$1181	$196

Cheapest Full Coverage Car Insurance in Atascocita

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Atascocita is Mercury at $161 per month and $964 for six months.

Cheapest Full Coverage Car Insurance Quotes in Atascocita, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$964	$161
Texas Farm Bureau	$1000	$170
AAA Texas	$1008	$168
State Farm	$1043	$176
USAA	$1138	$192
Redpoint Insurance	$1188	$203
AAA	$1464	$244
Progressive	$1521	$256
Southern County Mutual	$1573	$262
Allstate	$3276	$551
Farmers	$2993	$509

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Average Car Insurance in Atascocita by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Atascocita, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Atascocita, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Atascocita's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Atascocita

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Atascocita,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Atascocita at $71 per month. At $9769 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$414	$71
Southern County Mutual	$537	$89
Mercury	$580	$99
AAA Texas	$660	$110
USAA	$1659	$279
State Farm	$1768	$298
Texas Farm Bureau	$1856	$316
AAA	$3044	$508
Allstate	$5573	$938
Progressive	$7769	$1308
Farmers	$9769	$1660

Teen Car Insurance Rates in TX by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Atascocita, Mercury is the cheapest car insurance provider. At $631 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Atascocita is Farmers, offering rates of around $4957 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$631	$105
Foremost	$754	$128
AAA Texas	$804	$134
Dairyland	$935	$159
USAA	$1405	$234
Progressive	$2014	$339
AAA	$2442	$407
Allstate	$5746	$977
State Farm	$7501	$1251
Texas Farm Bureau	$1413	$240
Farmers	$4957	$843

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Car Insurance Rates with An Accident in Atascocita

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Atascocita, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Atascocita

The cheapest car insurance companies after an at-fault accident in Atascocita include Redpoint Insurance and Southern County Mutual, offering $414 and $500, respectively. Farmers is an expensive provider with an average six-month premium of $8225.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$414	$68
Southern County Mutual	$500	$85
AAA Texas	$776	$129
State Farm	$833	$140
Mercury	$942	$157
USAA	$1203	$203
Texas Farm Bureau	$1565	$261
AAA	$2485	$422
Progressive	$2660	$448
Allstate	$5181	$872
Farmers	$8225	$1398

Atascocita Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Atascocita TX. For example, the car insurance in Atascocita after a DUI increases to $957 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Atascocita auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1565	$261
One Med/PIP claim	$1580	$268
One comp claim	$1659	$277
Not-at-fault accident	$1674	$284
Two Med/PIP claims	$1681	$281
Failure to show documents	$1740	$295
Driving with expired registration	$1753	$293
Two comp claims	$1768	$300
Cell phone violation	$1782	$298
Driving without lights	$1782	$303
Texting while driving	$1782	$298
Driving too slowly	$1790	$304
Speeding 11 - 15 MPH over limit	$1790	$299
Speeding 16 - 20 MPH over limit	$1790	$304
Speeding 6 - 10 MPH over limit	$1790	$299
Speeding in school zone	$1790	$304
Child safety restraint	$1797	$300
Failure to wear a seat belt	$1797	$305
In 65 MPH zone	$1804	$301
Failure to stop at a red light	$1812	$309
Failure to yield	$1812	$303
Following too closely	$1812	$309
Illegal turn	$1812	$303
Improper passing	$1812	$309
Speeding 21 - 25 MPH over limit	$1812	$303
Passing school bus	$1819	$310
Wrong way/wrong lane	$1819	$303
Operating a vehicle without permission	$1826	$311
At-fault accident - less than $1000	$1898	$316
Open container	$2137	$364
Driving with a suspended license	$2218	$370
Racing	$2349	$399
Reckless driving	$2349	$392
Leaving scene of an accident/hit and run	$2406	$409
At-fault accident - $1000-$2000	$2413	$403
Refusal to submit to a chemical test	$2485	$422
DUI	$2522	$421
At-fault accident - greater than $2000	$2623	$447

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Atascocita after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Atascocita.

The cheapest car insurance premiums in Atascocita are offered by Mercury at $623 for a six-month policy. However, it can be as expensive as $3776 with companies like Farmers.

Atascocita car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$623	$104
Foremost	$703	$120
Dairyland	$769	$128
AAA Texas	$811	$138
State Farm	$1065	$179
USAA	$1659	$279
Progressive	$1696	$285
Nationwide	$2051	$349
AAA	$3761	$627
Allstate	$4283	$721
Texas Farm Bureau	$1203	$205
Farmers	$3776	$630

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Atascocita are offered by Mercury at $645. However, it can be as expensive as $4109 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Atascocita after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$645	$107
State Farm	$666	$112
AAA Texas	$688	$115
USAA	$1022	$173
AAA	$2485	$415
Progressive	$2652	$451
Allstate	$4030	$671
Texas Farm Bureau	$623	$106
Farmers	$4109	$699

Car Insurance Price Trends in Atascocita, Texas

Car insurance rates in Atascocita have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Atascocita remained steady at $264 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Atascocita remained steady at $85 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Atascocita?

The car insurance in Atascocita is $61 per month, which is lower than the national average.

What is the cheapest car insurance in Atascocita?

The cheapest car insurance in Atascocita is $161 per month for full coverage.

How much is car insurance in Atascocita for teenagers?

Car insurance for teenagers costs $414 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Atascocita?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $262 per month to insure your car in Atascocita.

Is car insurance expensive in Atascocita?

Car insurance can be expensive in Atascocita if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Atascocita can be affordable.

Cheapest Car Insurance Quotes in Atascocita

Why you can trust Way?

How Much Is Car Insurance in Atascocita

Avg. Car Insurance in Atascocita

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Atascocita

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Atascocita Car Insurance Rates by Company

Cheap Car Insurance Companies in Atascocita, TX

Way's key takeaways about car insurance in Atascocita

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Atascocita

Cheapest Liability Coverage in Atascocita, TX

Cheapest Full Coverage Car Insurance in Atascocita

Cheapest Full Coverage Car Insurance Quotes in Atascocita, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Atascocita by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Atascocita, TX increasing?

Car Insurance Premiums by Age in Atascocita

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Atascocita,TX

If you are in your twenties N/A is the best choice for car insurance in Atascocita.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Atascocita

Cheapest Car Insurance Companies after an At-Fault Accident in Atascocita

Atascocita Car Insurance Rates by Violation

Atascocita auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Atascocita after a DUI

Atascocita car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Atascocita after Speeding ticket

Car Insurance Price Trends in Atascocita, Texas

Average Car Insurance Cost in Atascocita by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Atascocita, TX

Car Insurance Rates by State in the USA (2025 Update)

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