Cheapest Car Insurance Quotes in Cinco Ranch

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Cinco Ranch Car Insurance

^$ 49

/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 Cinco Ranch

The car insurance rate in Cinco Ranch is $1204 for a six-month policy, which is $157 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $765, making it a popular choice for budget-conscious drivers. Rates in Cinco Ranch 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 Cinco Ranch

$1204

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Cinco Ranch

1st place: Texas Farm Bureau

At $765 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 $908 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 $936 for six months, making it the third cheapest auto insurance company in Cinco Ranch.

Cinco Ranch Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cinco Ranch, TX is Texas Farm Bureau, offering policies at just $765 for a six-month term. This is followed by Mercury, which has an average six-month premium of $908.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1305 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cinco Ranch drivers find the best deals.

Cheap Car Insurance Companies in Cinco Ranch, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$765	$129
Mercury	$908	$154
State Farm	$936	$158
AAA Texas	$950	$161
USAA	$1045	$176
Redpoint Insurance	$1120	$191
Progressive	$1291	$217
Southern County Mutual	$1482	$252
Allstate	$1763	$297
Farmers	$2821	$480
Redpoint County Mutual	$1099	$187
Geico County Mutual	$1229	$209
Germania	$492	$82
AAA	$860	$144
National General	$1305	$217

Key Takeaways

Way's key takeaways about car insurance in Cinco Ranch

The auto insurance costs in Cinco Ranch fall around $765 for six months.
The cheapest auto insurance company in Cinco Ranch is Texas Farm Bureau.
Teen drivers pay the highest rate in Cinco Ranch at $84 per month.

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Cheapest Minimum Liability Car Insurance in Cinco Ranch

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 Cinco Ranch are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Cinco Ranch. Their Average 6 Month Premium is $293. Germania is the most expensive at $492 for the same period.

Cheapest Liability Coverage in Cinco Ranch, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$293	$49
USAA	$328	$55
Progressive	$342	$57
State Farm	$348	$59
Redpoint Insurance	$383	$63
Mercury	$444	$75
AAA Texas	$492	$82
Allstate	$676	$114
Farmers	$1113	$185
Redpoint County Mutual	$369	$61
Geico County Mutual	$383	$66
National General	$423	$70
Germania	$492	$84

Cheapest Full Coverage Car Insurance in Cinco Ranch

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 Cinco Ranch is Texas Farm Bureau at $129 per month and $765 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cinco Ranch, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$765	$129
Mercury	$908	$154
State Farm	$936	$158
AAA Texas	$950	$161
USAA	$1045	$176
Redpoint Insurance	$1120	$191
Progressive	$1291	$217
Southern County Mutual	$1482	$252
Allstate	$1763	$297
Farmers	$2821	$480
Redpoint County Mutual	$1099	$187
Geico County Mutual	$1229	$209
Germania	$492	$82
AAA	$860	$144
National General	$1305	$217

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Average Car Insurance in Cinco Ranch 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 Cinco Ranch, TX increasing?

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

Car Insurance Premiums by Age in Cinco Ranch

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	$804
40s	Nationwide	$798
50s	Texas Farm Bureau	$712
60s	Texas Farm Bureau	$658
70s	Texas Farm Bureau	$706

Cheapest Car Insurance Rates for Teen Drivers in Cinco Ranch,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Cinco Ranch at $64 per month. At $506 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	$390	$64
Southern County Mutual	$506	$86
Mercury	$546	$91
AAA Texas	$622	$106
Texas Farm Bureau	$1359	$229
USAA	$1482	$250
State Farm	$1538	$259
Allstate	$3859	$650
Progressive	$6585	$1109
Farmers	$9208	$1565
Redpoint County Mutual	$376	$64
Geico County Mutual	$506	$84

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 Cinco Ranch.

As young drivers face the highest rates in Cinco Ranch, Texas Farm Bureau offers the cheapest auto insurance rates at $804 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 Cinco Ranch, Mercury is the cheapest car insurance provider. At $595 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 Cinco Ranch is State Farm, offering rates of around $5158 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$595	$101
Foremost	$711	$118
AAA Texas	$758	$129
Dairyland	$881	$147
Allstate	$1155	$197
USAA	$1182	$197
Texas Farm Bureau	$1332	$227
Progressive	$1845	$311
Farmers	$4672	$795
State Farm	$5158	$859

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Car Insurance Rates with An Accident in Cinco Ranch

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cinco Ranch

The cheapest car insurance companies after an at-fault accident in Cinco Ranch include Redpoint Insurance and Southern County Mutual, offering $390 and $471, respectively. National General is an expensive provider with an average six-month premium of $662.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$390	$64
Southern County Mutual	$471	$81
State Farm	$725	$122
AAA Texas	$731	$124
Mercury	$888	$148
USAA	$1086	$183
Texas Farm Bureau	$1202	$202
Progressive	$2233	$376
Allstate	$2514	$423
Farmers	$7753	$1318
Redpoint County Mutual	$376	$62
Geico County Mutual	$471	$81
National General	$662	$113

Cinco Ranch Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cinco Ranch TX. For example, the car insurance in Cinco Ranch after a DUI increases to $902 for a six month policy. While the rate increases by $212 for a six-month policy in the case of a speeding ticket.

Cinco Ranch auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1475	$246
One Med/PIP claim	$1489	$253
One comp claim	$1564	$261
Not-at-fault accident	$1578	$268
Two Med/PIP claims	$1585	$265
Failure to show documents	$1640	$278
Driving with expired registration	$1653	$276
Two comp claims	$1666	$283
Cell phone violation	$1680	$281
Driving without lights	$1680	$285
Texting while driving	$1680	$281
Driving too slowly	$1687	$286
Speeding 11 - 15 MPH over limit	$1687	$282
Speeding 16 - 20 MPH over limit	$1687	$286
Speeding 6 - 10 MPH over limit	$1687	$282
Speeding in school zone	$1687	$286
Child safety restraint	$1694	$283
Failure to wear a seat belt	$1694	$288
In 65 MPH zone	$1701	$284
Failure to stop at a red light	$1708	$291
Failure to yield	$1708	$285
Following too closely	$1708	$291
Illegal turn	$1708	$285
Improper passing	$1708	$291
Speeding 21 - 25 MPH over limit	$1708	$285
Passing school bus	$1715	$292
Wrong way/wrong lane	$1715	$285
Operating a vehicle without permission	$1722	$293
At-fault accident - less than $1000	$1789	$298
Open container	$2015	$343
Driving with a suspended license	$2091	$348
Racing	$2214	$376
Reckless driving	$2214	$369
Leaving scene of an accident/hit and run	$2268	$385
At-fault accident - $1000-$2000	$2275	$379
Refusal to submit to a chemical test	$2343	$398
DUI	$2377	$397
At-fault accident - greater than $2000	$2473	$421

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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 Cinco Ranch 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 Cinco Ranch.

The cheapest car insurance premiums in Cinco Ranch are offered by Mercury at $588 for a six-month policy. However, it can be as expensive as $3559 with companies like Farmers.

Cinco Ranch car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$588	$98
Foremost	$662	$113
Dairyland	$725	$121
AAA Texas	$765	$130
State Farm	$957	$161
Texas Farm Bureau	$1134	$193
Progressive	$1434	$241
USAA	$1469	$247
Allstate	$1872	$315
Nationwide	$1933	$329
Farmers	$3559	$593

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 Cinco Ranch are offered by State Farm at $532. However, it can be as expensive as $3873 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cinco Ranch after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$532	$90
Texas Farm Bureau	$588	$100
Mercury	$608	$101
AAA Texas	$649	$110
USAA	$854	$143
Allstate	$1155	$197
Progressive	$1988	$331
Farmers	$3873	$659

Car Insurance Price Trends in Cinco Ranch, Texas

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

The average cost of full coverage in the Cinco Ranch remained steady at $238 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Cinco Ranch rose to $74 in December, compared to $71 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cinco Ranch?

The car insurance in Cinco Ranch is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Cinco Ranch?

The cheapest car insurance in Cinco Ranch is $129 per month for full coverage.

How much is car insurance in Cinco Ranch for teenagers?

Car insurance for teenagers costs $390 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 Cinco Ranch?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $204 per month to insure your car in Cinco Ranch.

Is car insurance expensive in Cinco Ranch?

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

Cheapest Car Insurance Quotes in Cinco Ranch

Why you can trust Way?

How Much Is Car Insurance in Cinco Ranch

Avg. Car Insurance in Cinco Ranch

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Cinco Ranch

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Cinco Ranch Car Insurance Rates by Company

Cheap Car Insurance Companies in Cinco Ranch, TX

Way's key takeaways about car insurance in Cinco Ranch

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cinco Ranch

Cheapest Liability Coverage in Cinco Ranch, TX

Cheapest Full Coverage Car Insurance in Cinco Ranch

Cheapest Full Coverage Car Insurance Quotes in Cinco Ranch, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cinco Ranch by Rating Factor

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

Car Insurance Premiums by Age in Cinco Ranch

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cinco Ranch,TX

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

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 Cinco Ranch

Cheapest Car Insurance Companies after an At-Fault Accident in Cinco Ranch

Cinco Ranch Car Insurance Rates by Violation

Cinco Ranch auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cinco Ranch after a DUI

Cinco Ranch car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cinco Ranch after Speeding ticket

Car Insurance Price Trends in Cinco Ranch, Texas

Average Car Insurance Cost in Cinco Ranch by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cinco Ranch, TX

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

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