Cheapest Car Insurance Quotes in Castle Hills

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Castle Hills Car Insurance

^$ 52

/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 Castle Hills

The car insurance rate in Castle Hills is $1288 for a six-month policy, which is $50 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $822, making it a popular choice for budget-conscious drivers. Rates in Castle Hills 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 Castle Hills

$1288

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Castle Hills

1st place: Mercury

At $822 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 $853 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 $859 for six months, making it the third cheapest auto insurance company in Castle Hills.

Castle Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Castle Hills, TX is Mercury, offering policies at just $822 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $853.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1112 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Castle Hills drivers find the best deals.

Cheap Car Insurance Companies in Castle Hills, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$822	$137
Texas Farm Bureau	$853	$145
AAA Texas	$859	$144
State Farm	$889	$150
USAA	$970	$163
Redpoint Insurance	$1013	$173
AAA	$1248	$208
Progressive	$1297	$218
Southern County Mutual	$1341	$224
Allstate	$2792	$470
Farmers	$2551	$434
Redpoint County Mutual	$994	$170
Geico County Mutual	$1112	$189

Key Takeaways

Way's key takeaways about car insurance in Castle Hills

The auto insurance costs in Castle Hills fall around $822 for six months.
The cheapest auto insurance company in Castle Hills is USAA.
Teen drivers pay the highest rate in Castle Hills at $76 per month.

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Cheapest Minimum Liability Car Insurance in Castle Hills

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 Castle Hills are given below.

USAA provides the cheapest minimum car insurance coverage in Castle Hills. Their Average 6 Month Premium is $309. Geico County Mutual is the most expensive at $346 for the same period.

Cheapest Liability Coverage in Castle Hills, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$309	$52
Texas Farm Bureau	$321	$55
State Farm	$334	$56
Redpoint Insurance	$346	$59
Mercury	$401	$68
AAA	$445	$76
AAA Texas	$445	$74
Progressive	$458	$77
Allstate	$964	$162
Farmers	$1007	$167
Redpoint County Mutual	$334	$55
Geico County Mutual	$346	$59

Cheapest Full Coverage Car Insurance in Castle Hills

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 Castle Hills is Mercury at $137 per month and $822 for six months.

Cheapest Full Coverage Car Insurance Quotes in Castle Hills, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$822	$137
Texas Farm Bureau	$853	$145
AAA Texas	$859	$144
State Farm	$889	$150
USAA	$970	$163
Redpoint Insurance	$1013	$173
AAA	$1248	$208
Progressive	$1297	$218
Southern County Mutual	$1341	$224
Allstate	$2792	$470
Farmers	$2551	$434
Redpoint County Mutual	$994	$170
Geico County Mutual	$1112	$189

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Average Car Insurance in Castle Hills 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 Castle Hills, TX increasing?

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

Car Insurance Premiums by Age in Castle Hills

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 Castle Hills,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Castle Hills at $60 per month. At $458 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	$353	$60
Southern County Mutual	$458	$76
Mercury	$494	$84
AAA Texas	$563	$94
USAA	$1414	$238
State Farm	$1507	$254
Texas Farm Bureau	$1582	$269
AAA	$2595	$433
Allstate	$4751	$800
Progressive	$6623	$1115
Farmers	$8327	$1415
Redpoint County Mutual	$340	$58
Geico County Mutual	$458	$76

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 Castle Hills, Mercury is the cheapest car insurance provider. At $538 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 Castle Hills is Farmers, offering rates of around $4226 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$538	$89
Foremost	$643	$109
AAA Texas	$685	$114
Dairyland	$797	$135
USAA	$1198	$200
Progressive	$1717	$289
AAA	$2082	$347
Allstate	$4898	$833
State Farm	$6394	$1066
Texas Farm Bureau	$1204	$205
Farmers	$4226	$719

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Car Insurance Rates with An Accident in Castle Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Castle Hills

The cheapest car insurance companies after an at-fault accident in Castle Hills include Redpoint Insurance and Southern County Mutual, offering $353 and $426, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $426.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$353	$58
Southern County Mutual	$426	$73
AAA Texas	$661	$110
State Farm	$710	$120
Mercury	$803	$134
USAA	$1025	$173
Texas Farm Bureau	$1334	$223
AAA	$2118	$360
Progressive	$2267	$382
Allstate	$4417	$744
Farmers	$7012	$1192
Redpoint County Mutual	$340	$56
Geico County Mutual	$426	$73

Castle Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Castle Hills TX. For example, the car insurance in Castle Hills after a DUI increases to $816 for a six month policy. While the rate increases by $192 for a six-month policy in the case of a speeding ticket.

Castle Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1334	$223
One Med/PIP claim	$1347	$229
One comp claim	$1414	$236
Not-at-fault accident	$1427	$242
Two Med/PIP claims	$1433	$239
Failure to show documents	$1483	$252
Driving with expired registration	$1494	$250
Two comp claims	$1507	$256
Cell phone violation	$1519	$254
Driving without lights	$1519	$258
Texting while driving	$1519	$254
Driving too slowly	$1526	$259
Speeding 11 - 15 MPH over limit	$1526	$255
Speeding 16 - 20 MPH over limit	$1526	$259
Speeding 6 - 10 MPH over limit	$1526	$255
Speeding in school zone	$1526	$259
Child safety restraint	$1532	$256
Failure to wear a seat belt	$1532	$260
In 65 MPH zone	$1538	$257
Failure to stop at a red light	$1544	$263
Failure to yield	$1544	$258
Following too closely	$1544	$263
Illegal turn	$1544	$258
Improper passing	$1544	$263
Speeding 21 - 25 MPH over limit	$1544	$258
Passing school bus	$1551	$264
Wrong way/wrong lane	$1551	$258
Operating a vehicle without permission	$1557	$265
At-fault accident - less than $1000	$1618	$269
Open container	$1822	$310
Driving with a suspended license	$1891	$315
Racing	$2002	$340
Reckless driving	$2002	$334
Leaving scene of an accident/hit and run	$2051	$348
At-fault accident - $1000-$2000	$2057	$343
Refusal to submit to a chemical test	$2118	$360
DUI	$2150	$359
At-fault accident - greater than $2000	$2236	$381

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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 Castle Hills 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 Castle Hills.

The cheapest car insurance premiums in Castle Hills are offered by Mercury at $531 for a six-month policy. However, it can be as expensive as $3219 with companies like Farmers.

Castle Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$531	$88
Foremost	$599	$102
Dairyland	$655	$109
AAA Texas	$692	$118
State Farm	$908	$153
USAA	$1414	$238
Progressive	$1446	$243
Nationwide	$1748	$297
AAA	$3206	$535
Allstate	$3651	$615
Texas Farm Bureau	$1025	$175
Farmers	$3219	$537

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 Castle Hills are offered by Mercury at $550. However, it can be as expensive as $3503 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Castle Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$550	$92
State Farm	$568	$96
AAA Texas	$587	$98
USAA	$872	$148
AAA	$2118	$354
Progressive	$2261	$385
Allstate	$3435	$572
Texas Farm Bureau	$531	$90
Farmers	$3503	$596

Car Insurance Price Trends in Castle Hills, Texas

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

The average cost of full coverage in the Castle Hills rose by $225 in January compared to $215 of December. In other words, there has been an increase by $10 when you compare January and December.

The average cost of liability insurance in the Castle Hills rose to $73 in January, compared to $67 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 Castle Hills?

The car insurance in Castle Hills is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Castle Hills?

The cheapest car insurance in Castle Hills is $137 per month for full coverage.

How much is car insurance in Castle Hills for teenagers?

Car insurance for teenagers costs $353 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 Castle Hills?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $216 per month to insure your car in Castle Hills.

Is car insurance expensive in Castle Hills?

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

Cheapest Car Insurance Quotes in Castle Hills

Why you can trust Way?

How Much Is Car Insurance in Castle Hills

Avg. Car Insurance in Castle Hills

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Castle Hills

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Castle Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Castle Hills, TX

Way's key takeaways about car insurance in Castle Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Castle Hills

Cheapest Liability Coverage in Castle Hills, TX

Cheapest Full Coverage Car Insurance in Castle Hills

Cheapest Full Coverage Car Insurance Quotes in Castle Hills, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Castle Hills by Rating Factor

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

Car Insurance Premiums by Age in Castle Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Castle Hills,TX

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

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 Castle Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Castle Hills

Castle Hills Car Insurance Rates by Violation

Castle Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Castle Hills after a DUI

Castle Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Castle Hills after Speeding ticket

Car Insurance Price Trends in Castle Hills, Texas

Average Car Insurance Cost in Castle Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Castle Hills, TX

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

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