Cheapest Car Insurance Quotes in Bay City

Cheapest Minimum Liability Car Insurance in Bay City

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 Bay City are given below. 

USAA provides the cheapest minimum car insurance coverage in Bay City. Their Average 6 Month Premium is $306. Farmers is the most expensive at $997 for the same period. 

Cheapest Liability Coverage in Bay City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$306	$52
Texas Farm Bureau	$318	$55
State Farm	$331	$56
Redpoint Insurance	$343	$59
Mercury	$398	$67
AAA	$441	$75
AAA Texas	$441	$73
Progressive	$453	$76
Allstate	$955	$161
Farmers	$997	$166

View more

Cheapest Full Coverage Car Insurance in Bay City

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 Bay City is Mercury at $136 per month and $814 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Bay City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$814	$136
Texas Farm Bureau	$845	$143
AAA Texas	$851	$142
State Farm	$881	$148
USAA	$961	$162
Redpoint Insurance	$1003	$171
AAA	$1236	$206
Progressive	$1284	$216
Southern County Mutual	$1328	$221
Allstate	$2766	$466
Farmers	$2527	$430

View more

Car Insurance Premiums by Age in Bay City

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

undefined

Age Group	Cheapest Companies	Avg. 6 Mo. Premium

View more

Bay City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bay City TX. For example, the car insurance in Bay City after a DUI increases to $808 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.  

Bay City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1321	$220
One Med/PIP claim	$1334	$227
One comp claim	$1401	$234
Not-at-fault accident	$1413	$240
Two Med/PIP claims	$1419	$237
Failure to show documents	$1469	$249
Driving with expired registration	$1480	$247
Two comp claims	$1492	$253
Cell phone violation	$1505	$251
Driving without lights	$1505	$255
Texting while driving	$1505	$251
Driving too slowly	$1511	$256
Speeding 11 - 15 MPH over limit	$1511	$252
Speeding 16 - 20 MPH over limit	$1511	$256
Speeding 6 - 10 MPH over limit	$1511	$252
Speeding in school zone	$1511	$256
Child safety restraint	$1517	$253
Failure to wear a seat belt	$1517	$258
In 65 MPH zone	$1523	$254
Failure to stop at a red light	$1530	$261
Failure to yield	$1530	$255
Following too closely	$1530	$261
Illegal turn	$1530	$255
Improper passing	$1530	$261
Speeding 21 - 25 MPH over limit	$1530	$255
Passing school bus	$1536	$262
Wrong way/wrong lane	$1536	$255
Operating a vehicle without permission	$1542	$263
At-fault accident - less than $1000	$1603	$267
Open container	$1805	$307
Driving with a suspended license	$1873	$312
Racing	$1983	$337
Reckless driving	$1983	$331
Leaving scene of an accident/hit and run	$2031	$345
At-fault accident - $1000-$2000	$2037	$340
Refusal to submit to a chemical test	$2098	$356
DUI	$2129	$355
At-fault accident - greater than $2000	$2215	$377

View more