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Finding the cheapest car insurance quotes in Bagwell shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Bagwell
The car insurance rate in Bagwell is $1016 for a six-month policy, which is $31 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $645, making it a popular choice for budget-conscious drivers. Rates in Bagwell 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.
At $645 for a six
month policy, Texas Farm Bureau offers
the cheapest
auto
insurance rates in the city.
2nd place: Mercury
Mercury offers auto
insurance rates at $766 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: State Farm
State Farm offers auto insurance
rates at $790
for six months, making it
the third cheapest auto insurance company in Bagwell.
Bagwell Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Bagwell, TX is Texas Farm Bureau, offering policies at just $645 for a six-month term. This is followed by Mercury, which has an average six-month premium of $766.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1101 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bagwell drivers find the best deals.
Way's key takeaways about car insurance in Bagwell
The auto insurance costs in Bagwell fall around $645 for six
months.
The cheapest auto insurance company in Bagwell is Texas Farm Bureau.
Teen drivers pay the highest rate in Bagwell at $71 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Bagwell
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 Bagwell are given below.
Texas Farm Bureau provides
the cheapest minimum car insurance
coverage in Bagwell. Their Average 6 Month Premium is $247.
Germania is the most
expensive at $415 for the same
period.
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 Bagwell is Texas Farm Bureau
at $109 per month and $645
for six months.
Cheapest Full Coverage Car Insurance Quotes in Bagwell,
TX
Get Your Car Insurance Quote in Bagwell
Instantly!
Average Car Insurance in Bagwell 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 Bagwell, TX increasing?
Despite maintaining a clean driving record, your car insurance rates
in Bagwell, 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, Bagwell's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Bagwell
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
30s
Texas Farm Bureau
$678
40s
Nationwide
$673
50s
Texas Farm Bureau
$600
60s
Texas Farm Bureau
$555
70s
Texas Farm Bureau
$596
Cheapest Car Insurance Rates for Teen Drivers in
Bagwell,TX
If you are planning to get a car insurance policy for your teenage
dependent, Redpoint Insurance provides the cheapest car
insurance in the Bagwell at $54
per
month. At $427 for a six-month premium,
Geico County Mutual offers the most expensive rate for
teen drivers.
If you are in your twenties Texas Farm Bureau is
the best choice for car
insurance in Bagwell.
As young drivers face the highest rates in Bagwell, Texas Farm Bureau
offers the cheapest auto insurance rates at $678 for six months.
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 Bagwell,
Mercury is
the cheapest car insurance provider. At $501 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
Bagwell is State Farm, offering
rates of around $4350 for six
months.
Save up to $971/yr on car insurance rates in Bagwell.
Car Insurance Rates with An Accident in Bagwell
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 Bagwell, TX,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Bagwell
The cheapest car insurance companies after an at-fault accident in
Bagwell include Redpoint Insurance
and Southern County Mutual, offering $329
and $398,
respectively. National General is an expensive provider
with an average six-month premium of
$559.
Here is a list of driving violations that can increase your car
insurance rates in Bagwell TX. For example, the car
insurance in Bagwell
after a DUI increases to $760 for a six
month policy. While the rate increases by $178 for a six-month policy in the case of
a speeding ticket.
Bagwell auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1245
$208
One Med/PIP claim
$1256
$213
One comp claim
$1319
$220
Not-at-fault accident
$1331
$226
Two Med/PIP claims
$1337
$223
Failure to show documents
$1383
$235
Driving with expired registration
$1394
$233
Two comp claims
$1406
$239
Cell phone violation
$1417
$237
Driving without lights
$1417
$241
Texting while driving
$1417
$237
Driving too slowly
$1423
$242
Speeding 11 - 15 MPH over limit
$1423
$238
Speeding 16 - 20 MPH over limit
$1423
$242
Speeding 6 - 10 MPH over limit
$1423
$238
Speeding in school zone
$1423
$242
Child safety restraint
$1429
$239
Failure to wear a seat belt
$1429
$243
In 65 MPH zone
$1435
$240
Failure to stop at a red light
$1440
$245
Failure to yield
$1440
$241
Following too closely
$1440
$245
Illegal turn
$1440
$241
Improper passing
$1440
$245
Speeding 21 - 25 MPH over limit
$1440
$241
Passing school bus
$1446
$246
Wrong way/wrong lane
$1446
$241
Operating a vehicle without permission
$1452
$247
At-fault accident - less than $1000
$1509
$251
Open container
$1699
$289
Driving with a suspended license
$1763
$294
Racing
$1867
$317
Reckless driving
$1867
$311
Leaving scene of an accident/hit and run
$1913
$325
At-fault accident - $1000-$2000
$1919
$320
Refusal to submit to a chemical test
$1976
$336
DUI
$2005
$335
At-fault accident - greater than $2000
$2086
$355
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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 Bagwell 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 Bagwell.
The cheapest car insurance premiums in
Bagwell are
offered by Mercury at $496 for a six-month policy.
However, it can be as
expensive as $3002 with companies
like Farmers.
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 Bagwell are offered by State Farm
at $449. However,
it can be as expensive as $3267
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Bagwell after Speeding ticket
Car insurance rates in Bagwell have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Bagwell remained steady at $201 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Bagwell rose to $62 in December,
compared to $60 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Bagwell. At $2031 for a
six-month policy, insuring
your car at 75412 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Bagwell?
The car insurance in Bagwell is $42 per month, which is lower than the national average.
What is the cheapest car insurance in Bagwell?
The cheapest car insurance in Bagwell
is $109 per month
for full coverage.
How much is car insurance in Bagwell for teenagers?
Car insurance for teenagers costs $329 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
Bagwell?
The average cost of car insurance is $1047 for a six-month
policy. It will cost around $172 per month to insure your
car in Bagwell.
Is car insurance expensive in Bagwell?
Car insurance can be expensive in Bagwell if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Bagwell can be
affordable.
What is the best car insurance in Bagwell,
TX?
The best car insurance company in Bagwell
TX is
Texas Farm Bureau, offering $645 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Bagwell, TX
Car Insurance Rates by State in the USA (2025 Update)
Bagwell Car Insurance
