Cheapest Car Insurance Quotes in Centerville

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Centerville Car Insurance

^$ 43

/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 Centerville

The car insurance rate in Centerville is $1105 for a six-month policy, which is $11 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $658, making it a popular choice for budget-conscious drivers. Rates in Centerville 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 Centerville

$1105

Avg. Car Insurance in Texas

$1116

National Average

$1140

Cheapest Car Insurance Companies in Centerville

1st place: Texas Farm Bureau

At $658 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 $782 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 $806 for six months, making it the third cheapest auto insurance company in Centerville.

Centerville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Centerville, TX is Texas Farm Bureau, offering policies at just $658 for a six-month term. This is followed by Mercury, which has an average six-month premium of $782.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1058 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Centerville drivers find the best deals.

Cheap Car Insurance Companies in Centerville, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$658	$111
Mercury	$782	$133
State Farm	$806	$136
AAA Texas	$818	$139
USAA	$900	$151
Redpoint Insurance	$964	$164
Progressive	$1112	$187
Southern County Mutual	$1276	$217
Allstate	$1518	$255
Farmers	$2428	$413
Redpoint County Mutual	$946	$161
Geico County Mutual	$1058	$180

Key Takeaways

Way's key takeaways about car insurance in Centerville

The auto insurance costs in Centerville fall around $658 for six months.
The cheapest auto insurance company in Centerville is Texas Farm Bureau.
Teen drivers pay the highest rate in Centerville at $72 per month.

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Cheapest Minimum Liability Car Insurance in Centerville

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 Centerville are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Centerville. Their Average 6 Month Premium is $252. Geico County Mutual is the most expensive at $330 for the same period.

Cheapest Liability Coverage in Centerville, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$252	$43
USAA	$282	$48
Progressive	$294	$50
State Farm	$300	$50
Redpoint Insurance	$330	$54
Mercury	$382	$64
AAA Texas	$424	$70
Allstate	$582	$98
Farmers	$958	$159
Redpoint County Mutual	$318	$52
Geico County Mutual	$330	$56

Cheapest Full Coverage Car Insurance in Centerville

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 Centerville is Texas Farm Bureau at $111 per month and $658 for six months.

Cheapest Full Coverage Car Insurance Quotes in Centerville, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$658	$111
Mercury	$782	$133
State Farm	$806	$136
AAA Texas	$818	$139
USAA	$900	$151
Redpoint Insurance	$964	$164
Progressive	$1112	$187
Southern County Mutual	$1276	$217
Allstate	$1518	$255
Farmers	$2428	$413
Redpoint County Mutual	$946	$161
Geico County Mutual	$1058	$180

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Average Car Insurance in Centerville 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 Centerville, TX increasing?

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

Car Insurance Premiums by Age in Centerville

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	$692
40s	Nationwide	$687
50s	Texas Farm Bureau	$613
60s	Texas Farm Bureau	$566
70s	Texas Farm Bureau	$608

Cheapest Car Insurance Rates for Teen Drivers in Centerville,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Centerville at $55 per month. At $436 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	$336	$55
Southern County Mutual	$436	$74
Mercury	$470	$78
AAA Texas	$536	$91
Texas Farm Bureau	$1170	$197
USAA	$1276	$215
State Farm	$1324	$223
Allstate	$3322	$559
Progressive	$5669	$954
Farmers	$7927	$1347
Redpoint County Mutual	$324	$55
Geico County Mutual	$436	$72

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 Centerville.

As young drivers face the highest rates in Centerville, Texas Farm Bureau offers the cheapest auto insurance rates at $692 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 Centerville, Mercury is the cheapest car insurance provider. At $512 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 Centerville is State Farm, offering rates of around $4440 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$512	$87
Foremost	$612	$102
AAA Texas	$652	$111
Dairyland	$758	$127
Allstate	$994	$169
USAA	$1018	$169
Texas Farm Bureau	$1146	$195
Progressive	$1588	$267
Farmers	$4022	$684
State Farm	$4440	$740

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Car Insurance Rates with An Accident in Centerville

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

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

The cheapest car insurance companies after an at-fault accident in Centerville include Redpoint Insurance and Southern County Mutual, offering $336 and $406, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $406.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$336	$55
Southern County Mutual	$406	$69
State Farm	$624	$105
AAA Texas	$630	$107
Mercury	$764	$128
USAA	$935	$157
Texas Farm Bureau	$1035	$174
Progressive	$1923	$324
Allstate	$2164	$364
Farmers	$6675	$1135
Redpoint County Mutual	$324	$53
Geico County Mutual	$406	$69

Centerville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Centerville TX. For example, the car insurance in Centerville after a DUI increases to $776 for a six month policy. While the rate increases by $182 for a six-month policy in the case of a speeding ticket.

Centerville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1270	$212
One Med/PIP claim	$1282	$218
One comp claim	$1346	$225
Not-at-fault accident	$1358	$231
Two Med/PIP claims	$1364	$228
Failure to show documents	$1412	$240
Driving with expired registration	$1423	$238
Two comp claims	$1435	$244
Cell phone violation	$1446	$242
Driving without lights	$1446	$246
Texting while driving	$1446	$242
Driving too slowly	$1452	$247
Speeding 11 - 15 MPH over limit	$1452	$243
Speeding 16 - 20 MPH over limit	$1452	$247
Speeding 6 - 10 MPH over limit	$1452	$243
Speeding in school zone	$1452	$247
Child safety restraint	$1458	$244
Failure to wear a seat belt	$1458	$248
In 65 MPH zone	$1464	$245
Failure to stop at a red light	$1470	$250
Failure to yield	$1470	$246
Following too closely	$1470	$250
Illegal turn	$1470	$246
Improper passing	$1470	$250
Speeding 21 - 25 MPH over limit	$1470	$246
Passing school bus	$1476	$251
Wrong way/wrong lane	$1476	$246
Operating a vehicle without permission	$1482	$252
At-fault accident - less than $1000	$1540	$256
Open container	$1734	$295
Driving with a suspended license	$1800	$300
Racing	$1906	$324
Reckless driving	$1906	$318
Leaving scene of an accident/hit and run	$1952	$332
At-fault accident - $1000-$2000	$1958	$327
Refusal to submit to a chemical test	$2017	$343
DUI	$2046	$342
At-fault accident - greater than $2000	$2129	$362

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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 Centerville 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 Centerville.

The cheapest car insurance premiums in Centerville are offered by Mercury at $506 for a six-month policy. However, it can be as expensive as $3064 with companies like Farmers.

Centerville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$506	$84
Foremost	$570	$97
Dairyland	$624	$104
AAA Texas	$658	$112
State Farm	$824	$139
Texas Farm Bureau	$976	$166
Progressive	$1235	$208
USAA	$1264	$213
Allstate	$1612	$271
Nationwide	$1664	$283
Farmers	$3064	$511

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 Centerville are offered by State Farm at $458. However, it can be as expensive as $3334 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Centerville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$458	$77
Texas Farm Bureau	$506	$86
Mercury	$524	$87
AAA Texas	$558	$95
USAA	$736	$123
Allstate	$994	$169
Progressive	$1712	$285
Farmers	$3334	$567

Car Insurance Price Trends in Centerville, Texas

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

The average cost of full coverage in the Centerville remained steady at $205 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Centerville remained steady at $63 in both January and December, indicating no change over the two month period.

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Principal

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Frequently Asked Questions

How much is car insurance in Centerville?

The car insurance in Centerville is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Centerville?

The cheapest car insurance in Centerville is $111 per month for full coverage.

How much is car insurance in Centerville for teenagers?

Car insurance for teenagers costs $336 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 Centerville?

The average cost of car insurance is $1116 for a six-month policy. It will cost around $187 per month to insure your car in Centerville.

Is car insurance expensive in Centerville?

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

Cheapest Car Insurance Quotes in Centerville

Why you can trust Way?

How Much Is Car Insurance in Centerville

Avg. Car Insurance in Centerville

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Centerville

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Centerville Car Insurance Rates by Company

Cheap Car Insurance Companies in Centerville, TX

Way's key takeaways about car insurance in Centerville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Centerville

Cheapest Liability Coverage in Centerville, TX

Cheapest Full Coverage Car Insurance in Centerville

Cheapest Full Coverage Car Insurance Quotes in Centerville, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Centerville by Rating Factor

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

Car Insurance Premiums by Age in Centerville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Centerville,TX

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

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 Centerville

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

Centerville Car Insurance Rates by Violation

Centerville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Centerville after a DUI

Centerville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Centerville after Speeding ticket

Car Insurance Price Trends in Centerville, Texas

Average Car Insurance Cost in Centerville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Centerville, TX

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

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