Cheapest Car Insurance Quotes in Baytown

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Baytown Car Insurance

^$ 60

/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 Baytown

The car insurance rate in Baytown is $1486 for a six-month policy, which is $248 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $948, making it a popular choice for budget-conscious drivers. Rates in Baytown 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 Baytown

$1486

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Baytown

1st place: Mercury

At $948 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 $984 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 $991 for six months, making it the third cheapest auto insurance company in Baytown.

Baytown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Baytown, TX is Mercury, offering policies at just $948 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $984.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1283 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Baytown drivers find the best deals.

Cheap Car Insurance Companies in Baytown, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$948	$158
Texas Farm Bureau	$984	$167
AAA Texas	$991	$166
State Farm	$1026	$173
USAA	$1120	$188
Redpoint Insurance	$1169	$199
AAA	$1440	$240
Progressive	$1496	$252
Southern County Mutual	$1547	$258
Allstate	$3222	$542
Farmers	$2944	$500
Redpoint County Mutual	$1147	$196
Geico County Mutual	$1283	$218

Key Takeaways

Way's key takeaways about car insurance in Baytown

The auto insurance costs in Baytown fall around $948 for six months.
The cheapest auto insurance company in Baytown is USAA.
Teen drivers pay the highest rate in Baytown at $88 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Baytown

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 Baytown are given below.

USAA provides the cheapest minimum car insurance coverage in Baytown. Their Average 6 Month Premium is $356. Geico County Mutual is the most expensive at $400 for the same period.

Cheapest Liability Coverage in Baytown, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$356	$60
Texas Farm Bureau	$371	$64
State Farm	$385	$65
Redpoint Insurance	$400	$68
Mercury	$463	$78
AAA	$514	$88
AAA Texas	$514	$85
Progressive	$528	$89
Allstate	$1112	$187
Farmers	$1162	$193
Redpoint County Mutual	$385	$64
Geico County Mutual	$400	$68

Cheapest Full Coverage Car Insurance in Baytown

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 Baytown is Mercury at $158 per month and $948 for six months.

Cheapest Full Coverage Car Insurance Quotes in Baytown, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$948	$158
Texas Farm Bureau	$984	$167
AAA Texas	$991	$166
State Farm	$1026	$173
USAA	$1120	$188
Redpoint Insurance	$1169	$199
AAA	$1440	$240
Progressive	$1496	$252
Southern County Mutual	$1547	$258
Allstate	$3222	$542
Farmers	$2944	$500
Redpoint County Mutual	$1147	$196
Geico County Mutual	$1283	$218

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Average Car Insurance in Baytown 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 Baytown, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Baytown, 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, Baytown's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Baytown

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 Baytown,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Baytown at $70 per month. At $528 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$407	$70
Southern County Mutual	$528	$88
Mercury	$570	$97
AAA Texas	$649	$108
USAA	$1632	$275
State Farm	$1739	$293
Texas Farm Bureau	$1825	$311
AAA	$2994	$499
Allstate	$5482	$923
Progressive	$7642	$1286
Farmers	$9608	$1633
Redpoint County Mutual	$392	$67
Geico County Mutual	$528	$88

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 Baytown, Mercury is the cheapest car insurance provider. At $620 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 Baytown is Farmers, offering rates of around $4876 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$620	$103
Foremost	$742	$126
AAA Texas	$791	$132
Dairyland	$919	$156
USAA	$1382	$230
Progressive	$1981	$334
AAA	$2402	$401
Allstate	$5652	$961
State Farm	$7378	$1230
Texas Farm Bureau	$1390	$236
Farmers	$4876	$829

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Car Insurance Rates with An Accident in Baytown

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 Baytown, TX, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Baytown include Redpoint Insurance and Southern County Mutual, offering $407 and $492, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $492.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$407	$67
Southern County Mutual	$492	$84
AAA Texas	$763	$127
State Farm	$820	$138
Mercury	$926	$155
USAA	$1183	$199
Texas Farm Bureau	$1540	$257
AAA	$2444	$415
Progressive	$2616	$440
Allstate	$5096	$858
Farmers	$8090	$1375
Redpoint County Mutual	$392	$65
Geico County Mutual	$492	$84

Baytown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Baytown TX. For example, the car insurance in Baytown after a DUI increases to $940 for a six month policy. While the rate increases by $220 for a six-month policy in the case of a speeding ticket.

Baytown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1540	$257
One Med/PIP claim	$1554	$264
One comp claim	$1632	$272
Not-at-fault accident	$1646	$280
Two Med/PIP claims	$1654	$276
Failure to show documents	$1711	$290
Driving with expired registration	$1724	$288
Two comp claims	$1739	$295
Cell phone violation	$1753	$293
Driving without lights	$1753	$298
Texting while driving	$1753	$293
Driving too slowly	$1760	$299
Speeding 11 - 15 MPH over limit	$1760	$294
Speeding 16 - 20 MPH over limit	$1760	$299
Speeding 6 - 10 MPH over limit	$1760	$294
Speeding in school zone	$1760	$299
Child safety restraint	$1768	$295
Failure to wear a seat belt	$1768	$300
In 65 MPH zone	$1775	$296
Failure to stop at a red light	$1782	$304
Failure to yield	$1782	$298
Following too closely	$1782	$304
Illegal turn	$1782	$298
Improper passing	$1782	$304
Speeding 21 - 25 MPH over limit	$1782	$298
Passing school bus	$1789	$305
Wrong way/wrong lane	$1789	$298
Operating a vehicle without permission	$1796	$306
At-fault accident - less than $1000	$1867	$311
Open container	$2102	$358
Driving with a suspended license	$2182	$364
Racing	$2310	$392
Reckless driving	$2310	$385
Leaving scene of an accident/hit and run	$2366	$402
At-fault accident - $1000-$2000	$2374	$396
Refusal to submit to a chemical test	$2444	$415
DUI	$2480	$414
At-fault accident - greater than $2000	$2580	$439

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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 Baytown 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 Baytown.

The cheapest car insurance premiums in Baytown are offered by Mercury at $613 for a six-month policy. However, it can be as expensive as $3714 with companies like Farmers.

Baytown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$613	$102
Foremost	$691	$118
Dairyland	$756	$126
AAA Texas	$798	$136
State Farm	$1048	$176
USAA	$1632	$275
Progressive	$1668	$281
Nationwide	$2017	$343
AAA	$3700	$617
Allstate	$4213	$709
Texas Farm Bureau	$1183	$202
Farmers	$3714	$619

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 Baytown are offered by Mercury at $635. However, it can be as expensive as $4042 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Baytown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$635	$106
State Farm	$655	$110
AAA Texas	$677	$113
USAA	$1006	$170
AAA	$2444	$408
Progressive	$2609	$444
Allstate	$3964	$660
Texas Farm Bureau	$613	$104
Farmers	$4042	$688

Car Insurance Price Trends in Baytown, Texas

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

The average cost of full coverage in the Baytown rose by $259 in January compared to $248 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the Baytown rose to $84 in January, compared to $77 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Baytown?

The car insurance in Baytown is $60 per month, which is lower than the national average.

What is the cheapest car insurance in Baytown?

The cheapest car insurance in Baytown is $158 per month for full coverage.

How much is car insurance in Baytown for teenagers?

Car insurance for teenagers costs $407 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 Baytown?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $250 per month to insure your car in Baytown.

Is car insurance expensive in Baytown?

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

Cheapest Car Insurance Quotes in Baytown

Why you can trust Way?

How Much Is Car Insurance in Baytown

Avg. Car Insurance in Baytown

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Baytown

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Baytown Car Insurance Rates by Company

Cheap Car Insurance Companies in Baytown, TX

Way's key takeaways about car insurance in Baytown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Baytown

Cheapest Liability Coverage in Baytown, TX

Cheapest Full Coverage Car Insurance in Baytown

Cheapest Full Coverage Car Insurance Quotes in Baytown, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Baytown by Rating Factor

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

Car Insurance Premiums by Age in Baytown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Baytown,TX

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

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 Baytown

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

Baytown Car Insurance Rates by Violation

Baytown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Baytown after a DUI

Baytown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Baytown after Speeding ticket

Car Insurance Price Trends in Baytown, Texas

Average Car Insurance Cost in Baytown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Baytown, TX

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

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