Cheapest Car Insurance Quotes in Buchanan Lake Village

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Buchanan Lake Village Car Insurance

^$ 51

/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 Buchanan Lake Village

The car insurance rate in Buchanan Lake Village is $1250 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $798, making it a popular choice for budget-conscious drivers. Rates in Buchanan Lake Village 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 Buchanan Lake Village

$1250

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Buchanan Lake Village

1st place: Mercury

At $798 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 $828 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 $834 for six months, making it the third cheapest auto insurance company in Buchanan Lake Village.

Buchanan Lake Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Buchanan Lake Village, TX is Mercury, offering policies at just $798 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $828.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1080 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Buchanan Lake Village drivers find the best deals.

Cheap Car Insurance Companies in Buchanan Lake Village, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$798	$133
Texas Farm Bureau	$828	$140
AAA Texas	$834	$139
State Farm	$864	$145
USAA	$942	$159
Redpoint Insurance	$984	$168
AAA	$1212	$202
Progressive	$1259	$212
Southern County Mutual	$1302	$217
Allstate	$2712	$457
Farmers	$2478	$421
Redpoint County Mutual	$966	$165
Geico County Mutual	$1080	$184

Key Takeaways

Way's key takeaways about car insurance in Buchanan Lake Village

The auto insurance costs in Buchanan Lake Village fall around $798 for six months.
The cheapest auto insurance company in Buchanan Lake Village is USAA.
Teen drivers pay the highest rate in Buchanan Lake Village at $74 per month.

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

Cheapest Minimum Liability Car Insurance in Buchanan Lake Village

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 Buchanan Lake Village are given below.

USAA provides the cheapest minimum car insurance coverage in Buchanan Lake Village. Their Average 6 Month Premium is $300. Geico County Mutual is the most expensive at $336 for the same period.

Cheapest Liability Coverage in Buchanan Lake Village, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$300	$51
Texas Farm Bureau	$312	$54
State Farm	$324	$55
Redpoint Insurance	$336	$58
Mercury	$390	$66
AAA	$432	$74
AAA Texas	$432	$72
Progressive	$444	$75
Allstate	$936	$158
Farmers	$978	$163
Redpoint County Mutual	$324	$54
Geico County Mutual	$336	$58

Cheapest Full Coverage Car Insurance in Buchanan Lake Village

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 Buchanan Lake Village is Mercury at $133 per month and $798 for six months.

Cheapest Full Coverage Car Insurance Quotes in Buchanan Lake Village, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$798	$133
Texas Farm Bureau	$828	$140
AAA Texas	$834	$139
State Farm	$864	$145
USAA	$942	$159
Redpoint Insurance	$984	$168
AAA	$1212	$202
Progressive	$1259	$212
Southern County Mutual	$1302	$217
Allstate	$2712	$457
Farmers	$2478	$421
Redpoint County Mutual	$966	$165
Geico County Mutual	$1080	$184

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Average Car Insurance in Buchanan Lake Village 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 Buchanan Lake Village, TX increasing?

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

Car Insurance Premiums by Age in Buchanan Lake Village

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 Buchanan Lake Village,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Buchanan Lake Village at $59 per month. At $444 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	$342	$59
Southern County Mutual	$444	$74
Mercury	$480	$82
AAA Texas	$546	$91
USAA	$1374	$231
State Farm	$1463	$246
Texas Farm Bureau	$1536	$262
AAA	$2520	$420
Allstate	$4614	$777
Progressive	$6432	$1083
Farmers	$8087	$1375
Redpoint County Mutual	$330	$57
Geico County Mutual	$444	$74

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 Buchanan Lake Village, Mercury is the cheapest car insurance provider. At $522 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 Buchanan Lake Village is Farmers, offering rates of around $4104 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$522	$87
Foremost	$624	$106
AAA Texas	$666	$111
Dairyland	$774	$131
USAA	$1164	$194
Progressive	$1668	$281
AAA	$2022	$337
Allstate	$4757	$809
State Farm	$6209	$1035
Texas Farm Bureau	$1170	$199
Farmers	$4104	$698

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Save up to $971/yr on car insurance rates in Buchanan Lake Village.

Car Insurance Rates with An Accident in Buchanan Lake Village

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 Buchanan Lake Village, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Buchanan Lake Village

The cheapest car insurance companies after an at-fault accident in Buchanan Lake Village include Redpoint Insurance and Southern County Mutual, offering $342 and $414, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $414.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$342	$57
Southern County Mutual	$414	$71
AAA Texas	$642	$107
State Farm	$690	$116
Mercury	$780	$130
USAA	$996	$168
Texas Farm Bureau	$1296	$216
AAA	$2057	$349
Progressive	$2202	$371
Allstate	$4289	$722
Farmers	$6809	$1157
Redpoint County Mutual	$330	$55
Geico County Mutual	$414	$71

Buchanan Lake Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Buchanan Lake Village TX. For example, the car insurance in Buchanan Lake Village after a DUI increases to $792 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Buchanan Lake Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1296	$216
One Med/PIP claim	$1308	$222
One comp claim	$1374	$229
Not-at-fault accident	$1386	$235
Two Med/PIP claims	$1392	$232
Failure to show documents	$1440	$244
Driving with expired registration	$1451	$242
Two comp claims	$1463	$248
Cell phone violation	$1476	$246
Driving without lights	$1476	$250
Texting while driving	$1476	$246
Driving too slowly	$1482	$251
Speeding 11 - 15 MPH over limit	$1482	$247
Speeding 16 - 20 MPH over limit	$1482	$251
Speeding 6 - 10 MPH over limit	$1482	$247
Speeding in school zone	$1482	$251
Child safety restraint	$1488	$248
Failure to wear a seat belt	$1488	$253
In 65 MPH zone	$1494	$249
Failure to stop at a red light	$1500	$256
Failure to yield	$1500	$250
Following too closely	$1500	$256
Illegal turn	$1500	$250
Improper passing	$1500	$256
Speeding 21 - 25 MPH over limit	$1500	$250
Passing school bus	$1506	$257
Wrong way/wrong lane	$1506	$250
Operating a vehicle without permission	$1512	$258
At-fault accident - less than $1000	$1572	$262
Open container	$1770	$301
Driving with a suspended license	$1836	$306
Racing	$1944	$330
Reckless driving	$1944	$324
Leaving scene of an accident/hit and run	$1992	$338
At-fault accident - $1000-$2000	$1998	$333
Refusal to submit to a chemical test	$2057	$349
DUI	$2088	$348
At-fault accident - greater than $2000	$2172	$370

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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 Buchanan Lake Village 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 Buchanan Lake Village.

The cheapest car insurance premiums in Buchanan Lake Village are offered by Mercury at $516 for a six-month policy. However, it can be as expensive as $3126 with companies like Farmers.

Buchanan Lake Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$516	$86
Foremost	$582	$99
Dairyland	$636	$106
AAA Texas	$672	$114
State Farm	$882	$148
USAA	$1374	$231
Progressive	$1404	$236
Nationwide	$1698	$289
AAA	$3114	$519
Allstate	$3546	$597
Texas Farm Bureau	$996	$170
Farmers	$3126	$521

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 Buchanan Lake Village are offered by Mercury at $534. However, it can be as expensive as $3402 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Buchanan Lake Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$534	$89
State Farm	$551	$93
AAA Texas	$570	$95
USAA	$846	$143
AAA	$2057	$343
Progressive	$2196	$374
Allstate	$3336	$556
Texas Farm Bureau	$516	$88
Farmers	$3402	$579

Car Insurance Price Trends in Buchanan Lake Village, Texas

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

The average cost of full coverage in the Buchanan Lake Village rose by $218 in January compared to $209 of December. In other words, there has been an increase by $9 when you compare January and December.

The average cost of liability insurance in the Buchanan Lake Village rose to $71 in January, compared to $65 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Buchanan Lake Village?

The car insurance in Buchanan Lake Village is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Buchanan Lake Village?

The cheapest car insurance in Buchanan Lake Village is $133 per month for full coverage.

How much is car insurance in Buchanan Lake Village for teenagers?

Car insurance for teenagers costs $342 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 Buchanan Lake Village?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $210 per month to insure your car in Buchanan Lake Village.

Is car insurance expensive in Buchanan Lake Village?

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

Cheapest Car Insurance Quotes in Buchanan Lake Village

Why you can trust Way?

How Much Is Car Insurance in Buchanan Lake Village

Avg. Car Insurance in Buchanan Lake Village

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Buchanan Lake Village

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Buchanan Lake Village Car Insurance Rates by Company

Cheap Car Insurance Companies in Buchanan Lake Village, TX

Way's key takeaways about car insurance in Buchanan Lake Village

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Buchanan Lake Village

Cheapest Liability Coverage in Buchanan Lake Village, TX

Cheapest Full Coverage Car Insurance in Buchanan Lake Village

Cheapest Full Coverage Car Insurance Quotes in Buchanan Lake Village, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Buchanan Lake Village by Rating Factor

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

Car Insurance Premiums by Age in Buchanan Lake Village

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Buchanan Lake Village,TX

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

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 Buchanan Lake Village

Cheapest Car Insurance Companies after an At-Fault Accident in Buchanan Lake Village

Buchanan Lake Village Car Insurance Rates by Violation

Buchanan Lake Village auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Buchanan Lake Village after a DUI

Buchanan Lake Village car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Buchanan Lake Village after Speeding ticket

Car Insurance Price Trends in Buchanan Lake Village, Texas

Average Car Insurance Cost in Buchanan Lake Village by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Buchanan Lake Village, TX

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

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