Cheapest Car Insurance Quotes in Channelview

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Channelview Car Insurance

^$ 53

/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 Channelview

The car insurance rate in Channelview is $1298 for a six-month policy, which is $251 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $825, making it a popular choice for budget-conscious drivers. Rates in Channelview 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 Channelview

$1298

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Channelview

1st place: Texas Farm Bureau

At $825 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 $980 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 $1009 for six months, making it the third cheapest auto insurance company in Channelview.

Channelview Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Channelview, TX is Texas Farm Bureau, offering policies at just $825 for a six-month term. This is followed by Mercury, which has an average six-month premium of $980.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1407 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Channelview drivers find the best deals.

Cheap Car Insurance Companies in Channelview, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$825	$139
Mercury	$980	$166
State Farm	$1009	$170
AAA Texas	$1024	$174
USAA	$1127	$190
Redpoint Insurance	$1208	$206
Progressive	$1393	$234
Southern County Mutual	$1598	$272
Allstate	$1901	$320
Farmers	$3042	$517
Redpoint County Mutual	$1185	$202
Geico County Mutual	$1326	$226
Germania	$531	$88
AAA	$928	$155
National General	$1407	$234

Key Takeaways

Way's key takeaways about car insurance in Channelview

The auto insurance costs in Channelview fall around $825 for six months.
The cheapest auto insurance company in Channelview is Texas Farm Bureau.
Teen drivers pay the highest rate in Channelview at $91 per month.

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Cheapest Minimum Liability Car Insurance in Channelview

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 Channelview are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Channelview. Their Average 6 Month Premium is $316. Germania is the most expensive at $531 for the same period.

Cheapest Liability Coverage in Channelview, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$316	$53
USAA	$353	$60
Progressive	$368	$62
State Farm	$376	$63
Redpoint Insurance	$413	$68
Mercury	$479	$81
AAA Texas	$531	$88
Allstate	$729	$123
Farmers	$1200	$200
Redpoint County Mutual	$398	$66
Geico County Mutual	$413	$71
National General	$456	$76
Germania	$531	$91

Cheapest Full Coverage Car Insurance in Channelview

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 Channelview is Texas Farm Bureau at $139 per month and $825 for six months.

Cheapest Full Coverage Car Insurance Quotes in Channelview, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$825	$139
Mercury	$980	$166
State Farm	$1009	$170
AAA Texas	$1024	$174
USAA	$1127	$190
Redpoint Insurance	$1208	$206
Progressive	$1393	$234
Southern County Mutual	$1598	$272
Allstate	$1901	$320
Farmers	$3042	$517
Redpoint County Mutual	$1185	$202
Geico County Mutual	$1326	$226
Germania	$531	$88
AAA	$928	$155
National General	$1407	$234

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Average Car Insurance in Channelview 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 Channelview, TX increasing?

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

Car Insurance Premiums by Age in Channelview

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	$867
40s	Nationwide	$861
50s	Texas Farm Bureau	$768
60s	Texas Farm Bureau	$709
70s	Texas Farm Bureau	$761

Cheapest Car Insurance Rates for Teen Drivers in Channelview,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Channelview at $69 per month. At $546 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	$420	$69
Southern County Mutual	$546	$93
Mercury	$589	$98
AAA Texas	$671	$114
Texas Farm Bureau	$1466	$247
USAA	$1598	$269
State Farm	$1658	$279
Allstate	$4161	$701
Progressive	$7100	$1195
Farmers	$9929	$1688
Redpoint County Mutual	$405	$69
Geico County Mutual	$546	$91

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 Channelview.

As young drivers face the highest rates in Channelview, Texas Farm Bureau offers the cheapest auto insurance rates at $867 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 Channelview, Mercury is the cheapest car insurance provider. At $641 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 Channelview is State Farm, offering rates of around $5561 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$641	$109
Foremost	$766	$128
AAA Texas	$817	$139
Dairyland	$950	$159
Allstate	$1245	$212
USAA	$1275	$212
Texas Farm Bureau	$1436	$244
Progressive	$1989	$335
Farmers	$5038	$857
State Farm	$5561	$926

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Car Insurance Rates with An Accident in Channelview

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

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

The cheapest car insurance companies after an at-fault accident in Channelview include Redpoint Insurance and Southern County Mutual, offering $420 and $508, respectively. National General is an expensive provider with an average six-month premium of $714.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$420	$69
Southern County Mutual	$508	$87
State Farm	$781	$131
AAA Texas	$789	$134
Mercury	$957	$160
USAA	$1171	$197
Texas Farm Bureau	$1296	$218
Progressive	$2408	$405
Allstate	$2711	$456
Farmers	$8360	$1421
Redpoint County Mutual	$405	$67
Geico County Mutual	$508	$87
National General	$714	$122

Channelview Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Channelview TX. For example, the car insurance in Channelview after a DUI increases to $972 for a six month policy. While the rate increases by $228 for a six-month policy in the case of a speeding ticket.

Channelview auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1591	$265
One Med/PIP claim	$1606	$273
One comp claim	$1686	$281
Not-at-fault accident	$1701	$289
Two Med/PIP claims	$1709	$285
Failure to show documents	$1768	$300
Driving with expired registration	$1782	$298
Two comp claims	$1797	$305
Cell phone violation	$1812	$303
Driving without lights	$1812	$308
Texting while driving	$1812	$303
Driving too slowly	$1819	$309
Speeding 11 - 15 MPH over limit	$1819	$304
Speeding 16 - 20 MPH over limit	$1819	$309
Speeding 6 - 10 MPH over limit	$1819	$304
Speeding in school zone	$1819	$309
Child safety restraint	$1827	$305
Failure to wear a seat belt	$1827	$310
In 65 MPH zone	$1834	$306
Failure to stop at a red light	$1841	$314
Failure to yield	$1841	$308
Following too closely	$1841	$314
Illegal turn	$1841	$308
Improper passing	$1841	$314
Speeding 21 - 25 MPH over limit	$1841	$308
Passing school bus	$1849	$315
Wrong way/wrong lane	$1849	$308
Operating a vehicle without permission	$1856	$316
At-fault accident - less than $1000	$1929	$321
Open container	$2172	$370
Driving with a suspended license	$2254	$376
Racing	$2387	$405
Reckless driving	$2387	$398
Leaving scene of an accident/hit and run	$2445	$415
At-fault accident - $1000-$2000	$2453	$409
Refusal to submit to a chemical test	$2526	$429
DUI	$2563	$428
At-fault accident - greater than $2000	$2666	$454

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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 Channelview 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 Channelview.

The cheapest car insurance premiums in Channelview are offered by Mercury at $634 for a six-month policy. However, it can be as expensive as $3838 with companies like Farmers.

Channelview car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$634	$105
Foremost	$714	$122
Dairyland	$781	$130
AAA Texas	$825	$140
State Farm	$1032	$174
Texas Farm Bureau	$1223	$208
Progressive	$1546	$260
USAA	$1583	$267
Allstate	$2019	$340
Nationwide	$2084	$355
Farmers	$3838	$640

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 Channelview are offered by State Farm at $574. However, it can be as expensive as $4176 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Channelview after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$574	$97
Texas Farm Bureau	$634	$108
Mercury	$656	$109
AAA Texas	$699	$119
USAA	$921	$154
Allstate	$1245	$212
Progressive	$2144	$357
Farmers	$4176	$711

Car Insurance Price Trends in Channelview, Texas

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

The average cost of full coverage in the Channelview remained steady at $257 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Channelview rose to $79 in December, compared to $77 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 Channelview?

The car insurance in Channelview is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Channelview?

The cheapest car insurance in Channelview is $139 per month for full coverage.

How much is car insurance in Channelview for teenagers?

Car insurance for teenagers costs $420 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 Channelview?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $219 per month to insure your car in Channelview.

Is car insurance expensive in Channelview?

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

Cheapest Car Insurance Quotes in Channelview

Why you can trust Way?

How Much Is Car Insurance in Channelview

Avg. Car Insurance in Channelview

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Channelview

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Channelview Car Insurance Rates by Company

Cheap Car Insurance Companies in Channelview, TX

Way's key takeaways about car insurance in Channelview

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Channelview

Cheapest Liability Coverage in Channelview, TX

Cheapest Full Coverage Car Insurance in Channelview

Cheapest Full Coverage Car Insurance Quotes in Channelview, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Channelview by Rating Factor

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

Car Insurance Premiums by Age in Channelview

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Channelview,TX

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

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 Channelview

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

Channelview Car Insurance Rates by Violation

Channelview auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Channelview after a DUI

Channelview car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Channelview after Speeding ticket

Car Insurance Price Trends in Channelview, Texas

Average Car Insurance Cost in Channelview by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Channelview, TX

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

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