Cheapest Car Insurance Quotes in Burkburnett

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Burkburnett Car Insurance

^$ 41

/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 Burkburnett

The car insurance rate in Burkburnett is $1036 for a six-month policy, which is $243 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $640, making it a popular choice for budget-conscious drivers. Rates in Burkburnett 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 Burkburnett

$1036

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Burkburnett

1st place: Mercury

At $640 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 $664 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 $669 for six months, making it the third cheapest auto insurance company in Burkburnett.

Burkburnett Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Burkburnett, TX is Mercury, offering policies at just $640 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $664.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1987 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Burkburnett drivers find the best deals.

Cheap Car Insurance Companies in Burkburnett, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$640	$107
Texas Farm Bureau	$664	$113
AAA Texas	$669	$112
State Farm	$693	$117
USAA	$756	$127
Redpoint Insurance	$789	$134
AAA	$972	$162
Progressive	$1010	$170
Southern County Mutual	$1044	$174
Allstate	$2175	$366
Farmers	$1987	$338

Key Takeaways

Way's key takeaways about car insurance in Burkburnett

The auto insurance costs in Burkburnett fall around $640 for six months.
The cheapest auto insurance company in Burkburnett is USAA.
Teen drivers pay the highest rate in Burkburnett at $1102 per month.

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Cheapest Minimum Liability Car Insurance in Burkburnett

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 Burkburnett are given below.

USAA provides the cheapest minimum car insurance coverage in Burkburnett. Their Average 6 Month Premium is $241. Farmers is the most expensive at $784 for the same period.

Cheapest Liability Coverage in Burkburnett, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$241	$41
Texas Farm Bureau	$250	$43
State Farm	$260	$44
Redpoint Insurance	$270	$46
Mercury	$313	$53
AAA	$347	$59
AAA Texas	$347	$58
Progressive	$356	$60
Allstate	$751	$126
Farmers	$784	$130

Cheapest Full Coverage Car Insurance in Burkburnett

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 Burkburnett is Mercury at $107 per month and $640 for six months.

Cheapest Full Coverage Car Insurance Quotes in Burkburnett, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$640	$107
Texas Farm Bureau	$664	$113
AAA Texas	$669	$112
State Farm	$693	$117
USAA	$756	$127
Redpoint Insurance	$789	$134
AAA	$972	$162
Progressive	$1010	$170
Southern County Mutual	$1044	$174
Allstate	$2175	$366
Farmers	$1987	$338

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Average Car Insurance in Burkburnett 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 Burkburnett, TX increasing?

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

Car Insurance Premiums by Age in Burkburnett

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 Burkburnett,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Burkburnett at $47 per month. At $6486 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$275	$47
Southern County Mutual	$356	$59
Mercury	$385	$66
AAA Texas	$438	$73
USAA	$1102	$185
State Farm	$1174	$198
Texas Farm Bureau	$1232	$210
AAA	$2021	$337
Allstate	$3700	$623
Progressive	$5158	$868
Farmers	$6486	$1102

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 Burkburnett, Mercury is the cheapest car insurance provider. At $419 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 Burkburnett is Farmers, offering rates of around $3291 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$419	$70
Foremost	$501	$85
AAA Texas	$534	$89
Dairyland	$620	$105
USAA	$933	$156
Progressive	$1337	$225
AAA	$1622	$271
Allstate	$3815	$649
State Farm	$4980	$830
Texas Farm Bureau	$938	$160
Farmers	$3291	$560

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Car Insurance Rates with An Accident in Burkburnett

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

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

The cheapest car insurance companies after an at-fault accident in Burkburnett include Redpoint Insurance and Southern County Mutual, offering $275 and $332, respectively. Farmers is an expensive provider with an average six-month premium of $5461.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$275	$45
Southern County Mutual	$332	$57
AAA Texas	$515	$86
State Farm	$553	$93
Mercury	$625	$104
USAA	$799	$134
Texas Farm Bureau	$1039	$173
AAA	$1650	$280
Progressive	$1766	$297
Allstate	$3440	$579
Farmers	$5461	$928

Burkburnett Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Burkburnett TX. For example, the car insurance in Burkburnett after a DUI increases to $635 for a six month policy. While the rate increases by $149 for a six-month policy in the case of a speeding ticket.

Burkburnett auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1039	$173
One Med/PIP claim	$1049	$178
One comp claim	$1102	$184
Not-at-fault accident	$1111	$189
Two Med/PIP claims	$1116	$186
Failure to show documents	$1155	$196
Driving with expired registration	$1164	$194
Two comp claims	$1174	$199
Cell phone violation	$1183	$198
Driving without lights	$1183	$201
Texting while driving	$1183	$198
Driving too slowly	$1188	$202
Speeding 11 - 15 MPH over limit	$1188	$198
Speeding 16 - 20 MPH over limit	$1188	$202
Speeding 6 - 10 MPH over limit	$1188	$198
Speeding in school zone	$1188	$202
Child safety restraint	$1193	$199
Failure to wear a seat belt	$1193	$203
In 65 MPH zone	$1198	$200
Failure to stop at a red light	$1203	$205
Failure to yield	$1203	$201
Following too closely	$1203	$205
Illegal turn	$1203	$201
Improper passing	$1203	$205
Speeding 21 - 25 MPH over limit	$1203	$201
Passing school bus	$1208	$206
Wrong way/wrong lane	$1208	$201
Operating a vehicle without permission	$1213	$207
At-fault accident - less than $1000	$1260	$210
Open container	$1419	$241
Driving with a suspended license	$1473	$245
Racing	$1559	$265
Reckless driving	$1559	$260
Leaving scene of an accident/hit and run	$1597	$271
At-fault accident - $1000-$2000	$1602	$267
Refusal to submit to a chemical test	$1650	$280
DUI	$1674	$279
At-fault accident - greater than $2000	$1742	$296

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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 Burkburnett 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 Burkburnett.

The cheapest car insurance premiums in Burkburnett are offered by Mercury at $414 for a six-month policy. However, it can be as expensive as $2507 with companies like Farmers.

Burkburnett car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$414	$69
Foremost	$467	$79
Dairyland	$510	$85
AAA Texas	$539	$92
State Farm	$707	$119
USAA	$1102	$185
Progressive	$1126	$190
Nationwide	$1362	$232
AAA	$2497	$416
Allstate	$2844	$479
Texas Farm Bureau	$799	$136
Farmers	$2507	$418

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 Burkburnett are offered by Mercury at $428. However, it can be as expensive as $2728 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Burkburnett after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$428	$71
State Farm	$442	$75
AAA Texas	$457	$76
USAA	$679	$115
AAA	$1650	$275
Progressive	$1761	$300
Allstate	$2675	$446
Texas Farm Bureau	$414	$70
Farmers	$2728	$464

Car Insurance Price Trends in Burkburnett, Texas

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

The average cost of full coverage in the Burkburnett remained steady at $175 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Burkburnett remained steady at $57 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Burkburnett?

The car insurance in Burkburnett is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Burkburnett?

The cheapest car insurance in Burkburnett is $107 per month for full coverage.

How much is car insurance in Burkburnett for teenagers?

Car insurance for teenagers costs $275 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 Burkburnett?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $174 per month to insure your car in Burkburnett.

Is car insurance expensive in Burkburnett?

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

Cheapest Car Insurance Quotes in Burkburnett

Why you can trust Way?

How Much Is Car Insurance in Burkburnett

Avg. Car Insurance in Burkburnett

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Burkburnett

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Burkburnett Car Insurance Rates by Company

Cheap Car Insurance Companies in Burkburnett, TX

Way's key takeaways about car insurance in Burkburnett

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Burkburnett

Cheapest Liability Coverage in Burkburnett, TX

Cheapest Full Coverage Car Insurance in Burkburnett

Cheapest Full Coverage Car Insurance Quotes in Burkburnett, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Burkburnett by Rating Factor

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

Car Insurance Premiums by Age in Burkburnett

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Burkburnett,TX

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

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 Burkburnett

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

Burkburnett Car Insurance Rates by Violation

Burkburnett auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Burkburnett after a DUI

Burkburnett car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Burkburnett after Speeding ticket

Car Insurance Price Trends in Burkburnett, Texas

Average Car Insurance Cost in Burkburnett by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Burkburnett, TX

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

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