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Finding the cheapest car insurance quotes in Cherokee shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Cherokee
The car insurance rate in Cherokee is $1026 for a six-month policy, which is $21 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $652, making it a popular choice for budget-conscious drivers. Rates in Cherokee 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.
At $652 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 $774 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 $798
for six months, making it
the third cheapest auto insurance company in Cherokee.
Cherokee Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cherokee, TX is Texas Farm Bureau, offering policies at just $652 for a six-month term. This is followed by Mercury, which has an average six-month premium of $774.
At the higher end of the spectrum, National General 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 Cherokee drivers find the best deals.
Way's key takeaways about car insurance in Cherokee
The auto insurance costs in Cherokee fall around $652 for six
months.
The cheapest auto insurance company in Cherokee is Texas Farm Bureau.
Teen drivers pay the highest rate in Cherokee at $72 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Cherokee
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 Cherokee are given below.
Texas Farm Bureau provides
the cheapest minimum car insurance
coverage in Cherokee. Their Average 6 Month Premium is $250.
Germania is the most
expensive at $419 for the same
period.
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 Cherokee is Texas Farm Bureau
at $110 per month and $652
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cherokee,
TX
Get Your Car Insurance Quote in Cherokee
Instantly!
Average Car Insurance in Cherokee 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 Cherokee, TX increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cherokee, 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, Cherokee's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cherokee
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
$685
40s
Nationwide
$680
50s
Texas Farm Bureau
$607
60s
Texas Farm Bureau
$561
70s
Texas Farm Bureau
$602
Cheapest Car Insurance Rates for Teen Drivers in
Cherokee,TX
If you are planning to get a car insurance policy for your teenage
dependent, Redpoint Insurance provides the cheapest car
insurance in the Cherokee at $55
per
month. At $431 for a six-month premium,
Geico County Mutual offers the most expensive rate for
teen drivers.
If you are in your twenties Texas Farm Bureau is
the best choice for car
insurance in Cherokee.
As young drivers face the highest rates in Cherokee, Texas Farm Bureau
offers the cheapest auto insurance rates at $685 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 Cherokee,
Mercury is
the cheapest car insurance provider. At $507 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
Cherokee is State Farm, offering
rates of around $4395 for six
months.
Save up to $971/yr on car insurance rates in Cherokee.
Car Insurance Rates with An Accident in Cherokee
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 Cherokee, TX,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cherokee
The cheapest car insurance companies after an at-fault accident in
Cherokee include Redpoint Insurance
and Southern County Mutual, offering $332
and $402,
respectively. National General is an expensive provider
with an average six-month premium of
$564.
Here is a list of driving violations that can increase your car
insurance rates in Cherokee TX. For example, the car
insurance in Cherokee
after a DUI increases to $769 for a six
month policy. While the rate increases by $181 for a six-month policy in the case of
a speeding ticket.
Cherokee auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1257
$210
One Med/PIP claim
$1269
$216
One comp claim
$1333
$222
Not-at-fault accident
$1345
$228
Two Med/PIP claims
$1350
$225
Failure to show documents
$1397
$237
Driving with expired registration
$1408
$235
Two comp claims
$1420
$241
Cell phone violation
$1432
$239
Driving without lights
$1432
$243
Texting while driving
$1432
$239
Driving too slowly
$1438
$244
Speeding 11 - 15 MPH over limit
$1438
$240
Speeding 16 - 20 MPH over limit
$1438
$244
Speeding 6 - 10 MPH over limit
$1438
$240
Speeding in school zone
$1438
$244
Child safety restraint
$1444
$241
Failure to wear a seat belt
$1444
$245
In 65 MPH zone
$1449
$242
Failure to stop at a red light
$1455
$248
Failure to yield
$1455
$243
Following too closely
$1455
$248
Illegal turn
$1455
$243
Improper passing
$1455
$248
Speeding 21 - 25 MPH over limit
$1455
$243
Passing school bus
$1461
$249
Wrong way/wrong lane
$1461
$243
Operating a vehicle without permission
$1467
$250
At-fault accident - less than $1000
$1525
$254
Open container
$1717
$292
Driving with a suspended license
$1782
$297
Racing
$1887
$320
Reckless driving
$1887
$315
Leaving scene of an accident/hit and run
$1933
$328
At-fault accident - $1000-$2000
$1938
$323
Refusal to submit to a chemical test
$1996
$339
DUI
$2026
$338
At-fault accident - greater than $2000
$2107
$359
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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 Cherokee 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 Cherokee.
The cheapest car insurance premiums in
Cherokee are
offered by Mercury at $501 for a six-month policy.
However, it can be as
expensive as $3033 with companies
like Farmers.
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 Cherokee are offered by State Farm
at $454. However,
it can be as expensive as $3301
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Cherokee after Speeding ticket
Car insurance rates in Cherokee have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cherokee remained steady at $203 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Cherokee rose to $63 in December,
compared to $61 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Cherokee by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cherokee. At $2052 for a
six-month policy, insuring
your car at 76832 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cherokee?
The car insurance in Cherokee is $42 per month, which is lower than the national average.
What is the cheapest car insurance in Cherokee?
The cheapest car insurance in Cherokee
is $110 per month
for full coverage.
How much is car insurance in Cherokee for teenagers?
Car insurance for teenagers costs $332 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
Cherokee?
The average cost of car insurance is $1047 for a six-month
policy. It will cost around $173 per month to insure your
car in Cherokee.
Is car insurance expensive in Cherokee?
Car insurance can be expensive in Cherokee if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cherokee can be
affordable.
What is the best car insurance in Cherokee,
TX?
The best car insurance company in Cherokee
TX is
Texas Farm Bureau, offering $652 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Cherokee, TX
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Cherokee Car Insurance
