Cheapest Car Insurance Quotes in Caddo Mills

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Caddo Mills Car Insurance

^$ 42

/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 Caddo Mills

The car insurance rate in Caddo Mills is $1016 for a six-month policy, which is $31 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $645, making it a popular choice for budget-conscious drivers. Rates in Caddo Mills 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 Caddo Mills

$1016

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Caddo Mills

1st place: Texas Farm Bureau

At $645 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $766 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $790 for six months, making it the third cheapest auto insurance company in Caddo Mills.

Caddo Mills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Caddo Mills, TX is Texas Farm Bureau, offering policies at just $645 for a six-month term. This is followed by Mercury, which has an average six-month premium of $766.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1101 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Caddo Mills drivers find the best deals.

Cheap Car Insurance Companies in Caddo Mills, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$645	$109
Mercury	$766	$130
State Farm	$790	$133
AAA Texas	$801	$136
USAA	$882	$148
Redpoint Insurance	$945	$161
Progressive	$1089	$183
Southern County Mutual	$1250	$212
Allstate	$1487	$250
Farmers	$2379	$404
Redpoint County Mutual	$927	$158
Geico County Mutual	$1037	$177
Germania	$415	$69
AAA	$726	$121
National General	$1101	$183

Key Takeaways

Way's key takeaways about car insurance in Caddo Mills

The auto insurance costs in Caddo Mills fall around $645 for six months.
The cheapest auto insurance company in Caddo Mills is Texas Farm Bureau.
Teen drivers pay the highest rate in Caddo Mills at $71 per month.

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Cheapest Minimum Liability Car Insurance in Caddo Mills

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 Caddo Mills are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Caddo Mills. Their Average 6 Month Premium is $247. Germania is the most expensive at $415 for the same period.

Cheapest Liability Coverage in Caddo Mills, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$247	$42
USAA	$276	$47
Progressive	$288	$49
State Farm	$294	$49
Redpoint Insurance	$323	$53
Mercury	$374	$63
AAA Texas	$415	$69
Allstate	$570	$96
Farmers	$939	$156
Redpoint County Mutual	$311	$51
Geico County Mutual	$323	$55
National General	$357	$59
Germania	$415	$71

Cheapest Full Coverage Car Insurance in Caddo Mills

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 Caddo Mills is Texas Farm Bureau at $109 per month and $645 for six months.

Cheapest Full Coverage Car Insurance Quotes in Caddo Mills, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$645	$109
Mercury	$766	$130
State Farm	$790	$133
AAA Texas	$801	$136
USAA	$882	$148
Redpoint Insurance	$945	$161
Progressive	$1089	$183
Southern County Mutual	$1250	$212
Allstate	$1487	$250
Farmers	$2379	$404
Redpoint County Mutual	$927	$158
Geico County Mutual	$1037	$177
Germania	$415	$69
AAA	$726	$121
National General	$1101	$183

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Average Car Insurance in Caddo Mills 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 Caddo Mills, TX increasing?

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

Car Insurance Premiums by Age in Caddo Mills

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	Texas Farm Bureau	$678
40s	Nationwide	$673
50s	Texas Farm Bureau	$600
60s	Texas Farm Bureau	$555
70s	Texas Farm Bureau	$596

Cheapest Car Insurance Rates for Teen Drivers in Caddo Mills,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Caddo Mills at $54 per month. At $427 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	$329	$54
Southern County Mutual	$427	$73
Mercury	$461	$77
AAA Texas	$525	$89
Texas Farm Bureau	$1147	$193
USAA	$1250	$210
State Farm	$1297	$218
Allstate	$3255	$548
Progressive	$5554	$935
Farmers	$7767	$1320
Redpoint County Mutual	$317	$54
Geico County Mutual	$427	$71

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Caddo Mills.

As young drivers face the highest rates in Caddo Mills, Texas Farm Bureau offers the cheapest auto insurance rates at $678 for six months.

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 Caddo Mills, Mercury is the cheapest car insurance provider. At $501 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 Caddo Mills is State Farm, offering rates of around $4350 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$501	$85
Foremost	$599	$100
AAA Texas	$639	$109
Dairyland	$743	$124
Allstate	$974	$166
USAA	$997	$166
Texas Farm Bureau	$1123	$191
Progressive	$1556	$262
Farmers	$3941	$670
State Farm	$4350	$725

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Save up to $971/yr on car insurance rates in Caddo Mills.

Car Insurance Rates with An Accident in Caddo Mills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Caddo Mills

The cheapest car insurance companies after an at-fault accident in Caddo Mills include Redpoint Insurance and Southern County Mutual, offering $329 and $398, respectively. National General is an expensive provider with an average six-month premium of $559.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$329	$54
Southern County Mutual	$398	$68
State Farm	$611	$103
AAA Texas	$617	$105
Mercury	$749	$125
USAA	$916	$154
Texas Farm Bureau	$1014	$171
Progressive	$1884	$317
Allstate	$2120	$357
Farmers	$6540	$1112
Redpoint County Mutual	$317	$52
Geico County Mutual	$398	$68
National General	$559	$95

Caddo Mills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Caddo Mills TX. For example, the car insurance in Caddo Mills after a DUI increases to $760 for a six month policy. While the rate increases by $178 for a six-month policy in the case of a speeding ticket.

Caddo Mills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1245	$208
One Med/PIP claim	$1256	$213
One comp claim	$1319	$220
Not-at-fault accident	$1331	$226
Two Med/PIP claims	$1337	$223
Failure to show documents	$1383	$235
Driving with expired registration	$1394	$233
Two comp claims	$1406	$239
Cell phone violation	$1417	$237
Driving without lights	$1417	$241
Texting while driving	$1417	$237
Driving too slowly	$1423	$242
Speeding 11 - 15 MPH over limit	$1423	$238
Speeding 16 - 20 MPH over limit	$1423	$242
Speeding 6 - 10 MPH over limit	$1423	$238
Speeding in school zone	$1423	$242
Child safety restraint	$1429	$239
Failure to wear a seat belt	$1429	$243
In 65 MPH zone	$1435	$240
Failure to stop at a red light	$1440	$245
Failure to yield	$1440	$241
Following too closely	$1440	$245
Illegal turn	$1440	$241
Improper passing	$1440	$245
Speeding 21 - 25 MPH over limit	$1440	$241
Passing school bus	$1446	$246
Wrong way/wrong lane	$1446	$241
Operating a vehicle without permission	$1452	$247
At-fault accident - less than $1000	$1509	$251
Open container	$1699	$289
Driving with a suspended license	$1763	$294
Racing	$1867	$317
Reckless driving	$1867	$311
Leaving scene of an accident/hit and run	$1913	$325
At-fault accident - $1000-$2000	$1919	$320
Refusal to submit to a chemical test	$1976	$336
DUI	$2005	$335
At-fault accident - greater than $2000	$2086	$355

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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 Caddo Mills 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 Caddo Mills.

The cheapest car insurance premiums in Caddo Mills are offered by Mercury at $496 for a six-month policy. However, it can be as expensive as $3002 with companies like Farmers.

Caddo Mills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$496	$82
Foremost	$559	$95
Dairyland	$611	$102
AAA Texas	$645	$110
State Farm	$807	$136
Texas Farm Bureau	$956	$163
Progressive	$1210	$204
USAA	$1239	$209
Allstate	$1579	$266
Nationwide	$1631	$277
Farmers	$3002	$501

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 Caddo Mills are offered by State Farm at $449. However, it can be as expensive as $3267 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Caddo Mills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$449	$76
Texas Farm Bureau	$496	$84
Mercury	$513	$85
AAA Texas	$547	$93
USAA	$721	$120
Allstate	$974	$166
Progressive	$1677	$279
Farmers	$3267	$556

Car Insurance Price Trends in Caddo Mills, Texas

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

The average cost of full coverage in the Caddo Mills remained steady at $201 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Caddo Mills rose to $62 in December, compared to $60 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Caddo Mills?

The car insurance in Caddo Mills is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Caddo Mills?

The cheapest car insurance in Caddo Mills is $109 per month for full coverage.

How much is car insurance in Caddo Mills for teenagers?

Car insurance for teenagers costs $329 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 Caddo Mills?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $172 per month to insure your car in Caddo Mills.

Is car insurance expensive in Caddo Mills?

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

Cheapest Car Insurance Quotes in Caddo Mills

Why you can trust Way?

How Much Is Car Insurance in Caddo Mills

Avg. Car Insurance in Caddo Mills

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Caddo Mills

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Caddo Mills Car Insurance Rates by Company

Cheap Car Insurance Companies in Caddo Mills, TX

Way's key takeaways about car insurance in Caddo Mills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Caddo Mills

Cheapest Liability Coverage in Caddo Mills, TX

Cheapest Full Coverage Car Insurance in Caddo Mills

Cheapest Full Coverage Car Insurance Quotes in Caddo Mills, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Caddo Mills by Rating Factor

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

Car Insurance Premiums by Age in Caddo Mills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Caddo Mills,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Caddo Mills.

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 Caddo Mills

Cheapest Car Insurance Companies after an At-Fault Accident in Caddo Mills

Caddo Mills Car Insurance Rates by Violation

Caddo Mills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Caddo Mills after a DUI

Caddo Mills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Caddo Mills after Speeding ticket

Car Insurance Price Trends in Caddo Mills, Texas

Average Car Insurance Cost in Caddo Mills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Caddo Mills, TX

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

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