Cheapest Car Insurance Quotes in Ben Wheeler

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Ben Wheeler Car Insurance

^$ 47

/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 Ben Wheeler

The car insurance rate in Ben Wheeler is $1151 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $735, making it a popular choice for budget-conscious drivers. Rates in Ben Wheeler 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 Ben Wheeler

$1151

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Ben Wheeler

1st place: Mercury

At $735 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 $763 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 $768 for six months, making it the third cheapest auto insurance company in Ben Wheeler.

Ben Wheeler Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ben Wheeler, TX is Mercury, offering policies at just $735 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $763.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $994 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ben Wheeler drivers find the best deals.

Cheap Car Insurance Companies in Ben Wheeler, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$735	$123
Texas Farm Bureau	$763	$129
AAA Texas	$768	$128
State Farm	$795	$134
USAA	$868	$146
Redpoint Insurance	$906	$154
AAA	$1116	$186
Progressive	$1160	$195
Southern County Mutual	$1199	$200
Allstate	$2497	$420
Farmers	$2281	$388
Redpoint County Mutual	$889	$152
Geico County Mutual	$994	$169

Key Takeaways

Way's key takeaways about car insurance in Ben Wheeler

The auto insurance costs in Ben Wheeler fall around $735 for six months.
The cheapest auto insurance company in Ben Wheeler is USAA.
Teen drivers pay the highest rate in Ben Wheeler at $68 per month.

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Cheapest Minimum Liability Car Insurance in Ben Wheeler

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 Ben Wheeler are given below.

USAA provides the cheapest minimum car insurance coverage in Ben Wheeler. Their Average 6 Month Premium is $276. Geico County Mutual is the most expensive at $310 for the same period.

Cheapest Liability Coverage in Ben Wheeler, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$276	$47
Texas Farm Bureau	$287	$49
State Farm	$299	$50
Redpoint Insurance	$310	$53
Mercury	$359	$60
AAA	$398	$68
AAA Texas	$398	$66
Progressive	$409	$69
Allstate	$862	$145
Farmers	$900	$150
Redpoint County Mutual	$299	$49
Geico County Mutual	$310	$53

Cheapest Full Coverage Car Insurance in Ben Wheeler

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 Ben Wheeler is Mercury at $123 per month and $735 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ben Wheeler, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$735	$123
Texas Farm Bureau	$763	$129
AAA Texas	$768	$128
State Farm	$795	$134
USAA	$868	$146
Redpoint Insurance	$906	$154
AAA	$1116	$186
Progressive	$1160	$195
Southern County Mutual	$1199	$200
Allstate	$2497	$420
Farmers	$2281	$388
Redpoint County Mutual	$889	$152
Geico County Mutual	$994	$169

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Average Car Insurance in Ben Wheeler 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 Ben Wheeler, TX increasing?

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

Car Insurance Premiums by Age in Ben Wheeler

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 Ben Wheeler,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Ben Wheeler at $54 per month. At $409 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	$315	$54
Southern County Mutual	$409	$68
Mercury	$442	$75
AAA Texas	$503	$84
USAA	$1265	$213
State Farm	$1348	$227
Texas Farm Bureau	$1415	$241
AAA	$2320	$387
Allstate	$4248	$715
Progressive	$5922	$997
Farmers	$7447	$1266
Redpoint County Mutual	$304	$52
Geico County Mutual	$409	$68

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 Ben Wheeler, Mercury is the cheapest car insurance provider. At $481 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 Ben Wheeler is Farmers, offering rates of around $3779 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$481	$80
Foremost	$575	$98
AAA Texas	$613	$102
Dairyland	$712	$121
USAA	$1071	$179
Progressive	$1535	$259
AAA	$1862	$311
Allstate	$4380	$745
State Farm	$5718	$953
Texas Farm Bureau	$1077	$183
Farmers	$3779	$643

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Car Insurance Rates with An Accident in Ben Wheeler

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

Cheapest Car Insurance Companies after an At-Fault Accident in Ben Wheeler

The cheapest car insurance companies after an at-fault accident in Ben Wheeler include Redpoint Insurance and Southern County Mutual, offering $315 and $381, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $381.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$315	$52
Southern County Mutual	$381	$65
AAA Texas	$591	$99
State Farm	$635	$107
Mercury	$718	$120
USAA	$917	$154
Texas Farm Bureau	$1193	$199
AAA	$1894	$322
Progressive	$2027	$341
Allstate	$3950	$665
Farmers	$6270	$1066
Redpoint County Mutual	$304	$50
Geico County Mutual	$381	$65

Ben Wheeler Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ben Wheeler TX. For example, the car insurance in Ben Wheeler after a DUI increases to $729 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Ben Wheeler auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1193	$199
One Med/PIP claim	$1204	$205
One comp claim	$1265	$211
Not-at-fault accident	$1276	$217
Two Med/PIP claims	$1282	$214
Failure to show documents	$1326	$225
Driving with expired registration	$1336	$223
Two comp claims	$1348	$229
Cell phone violation	$1359	$227
Driving without lights	$1359	$231
Texting while driving	$1359	$227
Driving too slowly	$1364	$232
Speeding 11 - 15 MPH over limit	$1364	$228
Speeding 16 - 20 MPH over limit	$1364	$232
Speeding 6 - 10 MPH over limit	$1364	$228
Speeding in school zone	$1364	$232
Child safety restraint	$1370	$229
Failure to wear a seat belt	$1370	$233
In 65 MPH zone	$1375	$230
Failure to stop at a red light	$1381	$235
Failure to yield	$1381	$231
Following too closely	$1381	$235
Illegal turn	$1381	$231
Improper passing	$1381	$235
Speeding 21 - 25 MPH over limit	$1381	$231
Passing school bus	$1387	$236
Wrong way/wrong lane	$1387	$231
Operating a vehicle without permission	$1392	$237
At-fault accident - less than $1000	$1447	$241
Open container	$1629	$277
Driving with a suspended license	$1691	$282
Racing	$1790	$304
Reckless driving	$1790	$299
Leaving scene of an accident/hit and run	$1834	$312
At-fault accident - $1000-$2000	$1840	$307
Refusal to submit to a chemical test	$1894	$322
DUI	$1922	$321
At-fault accident - greater than $2000	$2000	$340

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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 Ben Wheeler 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 Ben Wheeler.

The cheapest car insurance premiums in Ben Wheeler are offered by Mercury at $475 for a six-month policy. However, it can be as expensive as $2878 with companies like Farmers.

Ben Wheeler car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$475	$79
Foremost	$536	$91
Dairyland	$586	$98
AAA Texas	$618	$105
State Farm	$812	$137
USAA	$1265	$213
Progressive	$1293	$218
Nationwide	$1563	$266
AAA	$2867	$478
Allstate	$3265	$550
Texas Farm Bureau	$917	$156
Farmers	$2878	$480

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 Ben Wheeler are offered by Mercury at $492. However, it can be as expensive as $3132 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ben Wheeler after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$492	$82
State Farm	$508	$86
AAA Texas	$525	$87
USAA	$779	$132
AAA	$1894	$316
Progressive	$2022	$344
Allstate	$3072	$512
Texas Farm Bureau	$475	$81
Farmers	$3132	$533

Car Insurance Price Trends in Ben Wheeler, Texas

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

The average cost of full coverage in the Ben Wheeler rose by $201 in January compared to $193 of December. In other words, there has been an increase by $8 when you compare January and December.

The average cost of liability insurance in the Ben Wheeler rose to $65 in January, compared to $60 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ben Wheeler?

The car insurance in Ben Wheeler is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Ben Wheeler?

The cheapest car insurance in Ben Wheeler is $123 per month for full coverage.

How much is car insurance in Ben Wheeler for teenagers?

Car insurance for teenagers costs $315 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 Ben Wheeler?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $193 per month to insure your car in Ben Wheeler.

Is car insurance expensive in Ben Wheeler?

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

Cheapest Car Insurance Quotes in Ben Wheeler

Why you can trust Way?

How Much Is Car Insurance in Ben Wheeler

Avg. Car Insurance in Ben Wheeler

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Ben Wheeler

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Ben Wheeler Car Insurance Rates by Company

Cheap Car Insurance Companies in Ben Wheeler, TX

Way's key takeaways about car insurance in Ben Wheeler

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ben Wheeler

Cheapest Liability Coverage in Ben Wheeler, TX

Cheapest Full Coverage Car Insurance in Ben Wheeler

Cheapest Full Coverage Car Insurance Quotes in Ben Wheeler, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ben Wheeler by Rating Factor

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

Car Insurance Premiums by Age in Ben Wheeler

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ben Wheeler,TX

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

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 Ben Wheeler

Cheapest Car Insurance Companies after an At-Fault Accident in Ben Wheeler

Ben Wheeler Car Insurance Rates by Violation

Ben Wheeler auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ben Wheeler after a DUI

Ben Wheeler car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ben Wheeler after Speeding ticket

Car Insurance Price Trends in Ben Wheeler, Texas

Average Car Insurance Cost in Ben Wheeler by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ben Wheeler, TX

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