Cheapest Car Insurance Quotes in Cockrell Hill

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Cockrell Hill Car Insurance

^$ 54

/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 Cockrell Hill

The car insurance rate in Cockrell Hill is $1309 for a six-month policy, which is $262 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $831, making it a popular choice for budget-conscious drivers. Rates in Cockrell Hill 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 Cockrell Hill

$1309

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Cockrell Hill

1st place: Texas Farm Bureau

At $831 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 $988 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 $1018 for six months, making it the third cheapest auto insurance company in Cockrell Hill.

Cockrell Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cockrell Hill, TX is Texas Farm Bureau, offering policies at just $831 for a six-month term. This is followed by Mercury, which has an average six-month premium of $988.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1419 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cockrell Hill drivers find the best deals.

Cheap Car Insurance Companies in Cockrell Hill, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$831	$140
Mercury	$988	$168
State Farm	$1018	$171
AAA Texas	$1033	$175
USAA	$1136	$191
Redpoint Insurance	$1218	$208
Progressive	$1404	$236
Southern County Mutual	$1611	$274
Allstate	$1916	$323
Farmers	$3066	$521
Redpoint County Mutual	$1195	$204
Geico County Mutual	$1336	$228
Germania	$535	$89
AAA	$935	$156
National General	$1419	$236

Key Takeaways

Way's key takeaways about car insurance in Cockrell Hill

The auto insurance costs in Cockrell Hill fall around $831 for six months.
The cheapest auto insurance company in Cockrell Hill is Texas Farm Bureau.
Teen drivers pay the highest rate in Cockrell Hill at $91 per month.

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Cheapest Minimum Liability Car Insurance in Cockrell Hill

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 Cockrell Hill are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Cockrell Hill. Their Average 6 Month Premium is $319. Germania is the most expensive at $535 for the same period.

Cheapest Liability Coverage in Cockrell Hill, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$319	$54
USAA	$356	$60
Progressive	$371	$63
State Farm	$379	$64
Redpoint Insurance	$416	$69
Mercury	$483	$81
AAA Texas	$535	$89
Allstate	$735	$124
Farmers	$1210	$201
Redpoint County Mutual	$401	$66
Geico County Mutual	$416	$71
National General	$460	$76
Germania	$535	$91

Cheapest Full Coverage Car Insurance in Cockrell Hill

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 Cockrell Hill is Texas Farm Bureau at $140 per month and $831 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cockrell Hill, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$831	$140
Mercury	$988	$168
State Farm	$1018	$171
AAA Texas	$1033	$175
USAA	$1136	$191
Redpoint Insurance	$1218	$208
Progressive	$1404	$236
Southern County Mutual	$1611	$274
Allstate	$1916	$323
Farmers	$3066	$521
Redpoint County Mutual	$1195	$204
Geico County Mutual	$1336	$228
Germania	$535	$89
AAA	$935	$156
National General	$1419	$236

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Average Car Insurance in Cockrell Hill 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 Cockrell Hill, TX increasing?

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

Car Insurance Premiums by Age in Cockrell Hill

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	$874
40s	Nationwide	$868
50s	Texas Farm Bureau	$774
60s	Texas Farm Bureau	$715
70s	Texas Farm Bureau	$768

Cheapest Car Insurance Rates for Teen Drivers in Cockrell Hill,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Cockrell Hill at $70 per month. At $550 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	$424	$70
Southern County Mutual	$550	$94
Mercury	$594	$99
AAA Texas	$676	$115
Texas Farm Bureau	$1478	$249
USAA	$1611	$271
State Farm	$1671	$281
Allstate	$4195	$706
Progressive	$7158	$1205
Farmers	$10009	$1701
Redpoint County Mutual	$409	$70
Geico County Mutual	$550	$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 Cockrell Hill.

As young drivers face the highest rates in Cockrell Hill, Texas Farm Bureau offers the cheapest auto insurance rates at $874 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 Cockrell Hill, Mercury is the cheapest car insurance provider. At $646 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 Cockrell Hill is State Farm, offering rates of around $5606 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$646	$110
Foremost	$773	$129
AAA Texas	$824	$140
Dairyland	$958	$160
Allstate	$1255	$214
USAA	$1285	$214
Texas Farm Bureau	$1448	$246
Progressive	$2005	$338
Farmers	$5079	$864
State Farm	$5606	$934

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Save up to $971/yr on car insurance rates in Cockrell Hill.

Car Insurance Rates with An Accident in Cockrell Hill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cockrell Hill

The cheapest car insurance companies after an at-fault accident in Cockrell Hill include Redpoint Insurance and Southern County Mutual, offering $424 and $513, respectively. National General is an expensive provider with an average six-month premium of $720.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$424	$70
Southern County Mutual	$513	$88
State Farm	$788	$133
AAA Texas	$795	$135
Mercury	$965	$161
USAA	$1180	$199
Texas Farm Bureau	$1306	$220
Progressive	$2428	$409
Allstate	$2733	$460
Farmers	$8428	$1433
Redpoint County Mutual	$409	$68
Geico County Mutual	$513	$88
National General	$720	$123

Cockrell Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cockrell Hill TX. For example, the car insurance in Cockrell Hill after a DUI increases to $980 for a six month policy. While the rate increases by $230 for a six-month policy in the case of a speeding ticket.

Cockrell Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1604	$268
One Med/PIP claim	$1619	$275
One comp claim	$1700	$284
Not-at-fault accident	$1715	$291
Two Med/PIP claims	$1723	$288
Failure to show documents	$1783	$303
Driving with expired registration	$1796	$300
Two comp claims	$1811	$308
Cell phone violation	$1826	$305
Driving without lights	$1826	$310
Texting while driving	$1826	$305
Driving too slowly	$1834	$311
Speeding 11 - 15 MPH over limit	$1834	$306
Speeding 16 - 20 MPH over limit	$1834	$311
Speeding 6 - 10 MPH over limit	$1834	$306
Speeding in school zone	$1834	$311
Child safety restraint	$1841	$308
Failure to wear a seat belt	$1841	$313
In 65 MPH zone	$1849	$309
Failure to stop at a red light	$1856	$316
Failure to yield	$1856	$310
Following too closely	$1856	$316
Illegal turn	$1856	$310
Improper passing	$1856	$316
Speeding 21 - 25 MPH over limit	$1856	$310
Passing school bus	$1864	$318
Wrong way/wrong lane	$1864	$310
Operating a vehicle without permission	$1871	$319
At-fault accident - less than $1000	$1945	$324
Open container	$2190	$373
Driving with a suspended license	$2273	$379
Racing	$2406	$409
Reckless driving	$2406	$401
Leaving scene of an accident/hit and run	$2465	$419
At-fault accident - $1000-$2000	$2473	$413
Refusal to submit to a chemical test	$2546	$433
DUI	$2584	$431
At-fault accident - greater than $2000	$2688	$458

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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 Cockrell Hill 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 Cockrell Hill.

The cheapest car insurance premiums in Cockrell Hill are offered by Mercury at $639 for a six-month policy. However, it can be as expensive as $3869 with companies like Farmers.

Cockrell Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$639	$106
Foremost	$720	$123
Dairyland	$788	$131
AAA Texas	$831	$141
State Farm	$1040	$175
Texas Farm Bureau	$1233	$210
Progressive	$1559	$263
USAA	$1596	$269
Allstate	$2035	$343
Nationwide	$2101	$358
Farmers	$3869	$645

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 Cockrell Hill are offered by State Farm at $579. However, it can be as expensive as $4210 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cockrell Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$579	$98
Texas Farm Bureau	$639	$109
Mercury	$661	$110
AAA Texas	$705	$120
USAA	$929	$155
Allstate	$1255	$214
Progressive	$2161	$360
Farmers	$4210	$716

Car Insurance Price Trends in Cockrell Hill, Texas

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

The average cost of full coverage in the Cockrell Hill remained steady at $259 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Cockrell Hill rose to $80 in December, compared to $78 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 Cockrell Hill?

The car insurance in Cockrell Hill is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Cockrell Hill?

The cheapest car insurance in Cockrell Hill is $140 per month for full coverage.

How much is car insurance in Cockrell Hill for teenagers?

Car insurance for teenagers costs $424 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 Cockrell Hill?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $221 per month to insure your car in Cockrell Hill.

Is car insurance expensive in Cockrell Hill?

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

Cheapest Car Insurance Quotes in Cockrell Hill

Why you can trust Way?

How Much Is Car Insurance in Cockrell Hill

Avg. Car Insurance in Cockrell Hill

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Cockrell Hill

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Cockrell Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Cockrell Hill, TX

Way's key takeaways about car insurance in Cockrell Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cockrell Hill

Cheapest Liability Coverage in Cockrell Hill, TX

Cheapest Full Coverage Car Insurance in Cockrell Hill

Cheapest Full Coverage Car Insurance Quotes in Cockrell Hill, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cockrell Hill by Rating Factor

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

Car Insurance Premiums by Age in Cockrell Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cockrell Hill,TX

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

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 Cockrell Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Cockrell Hill

Cockrell Hill Car Insurance Rates by Violation

Cockrell Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cockrell Hill after a DUI

Cockrell Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cockrell Hill after Speeding ticket

Car Insurance Price Trends in Cockrell Hill, Texas

Average Car Insurance Cost in Cockrell Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cockrell Hill, TX

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

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