Cheapest Car Insurance Quotes in Cockrell Hill

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Cockrell Hill Car Insurance

^$ 63

/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 $1548 for a six-month policy, which is $310 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $988, 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

$1548

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Cockrell Hill

1st place: Mercury

At $988 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: Texas Farm Bureau

Texas Farm Bureau offers auto insurance rates at $1025 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA Texas

AAA Texas offers auto insurance rates at $1033 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 Mercury, offering policies at just $988 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $1025.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1336 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
Mercury	$988	$165
Texas Farm Bureau	$1025	$174
AAA Texas	$1033	$173
State Farm	$1069	$180
USAA	$1166	$196
Redpoint Insurance	$1218	$208
AAA	$1500	$250
Progressive	$1559	$263
Southern County Mutual	$1611	$269
Allstate	$3356	$565
Farmers	$3066	$521
Redpoint County Mutual	$1195	$204
Geico County Mutual	$1336	$228

Key Takeaways

Way's key takeaways about car insurance in Cockrell Hill

The auto insurance costs in Cockrell Hill fall around $988 for six months.
The cheapest auto insurance company in Cockrell Hill is USAA.
Teen drivers pay the highest rate in Cockrell Hill at $91 per month.

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Save up to $971/yr with our auto insurance quotes

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.

USAA provides the cheapest minimum car insurance coverage in Cockrell Hill. Their Average 6 Month Premium is $371. Geico County Mutual is the most expensive at $416 for the same period.

Cheapest Liability Coverage in Cockrell Hill, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$371	$63
Texas Farm Bureau	$386	$66
State Farm	$401	$68
Redpoint Insurance	$416	$71
Mercury	$483	$81
AAA	$535	$91
AAA Texas	$535	$89
Progressive	$550	$93
Allstate	$1159	$195
Farmers	$1210	$201
Redpoint County Mutual	$401	$66
Geico County Mutual	$416	$71

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 Mercury at $165 per month and $988 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cockrell Hill, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$988	$165
Texas Farm Bureau	$1025	$174
AAA Texas	$1033	$173
State Farm	$1069	$180
USAA	$1166	$196
Redpoint Insurance	$1218	$208
AAA	$1500	$250
Progressive	$1559	$263
Southern County Mutual	$1611	$269
Allstate	$3356	$565
Farmers	$3066	$521
Redpoint County Mutual	$1195	$204
Geico County Mutual	$1336	$228

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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

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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 $73 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	$73
Southern County Mutual	$550	$91
Mercury	$594	$101
AAA Texas	$676	$113
USAA	$1700	$286
State Farm	$1811	$305
Texas Farm Bureau	$1901	$324
AAA	$3119	$520
Allstate	$5710	$961
Progressive	$7960	$1340
Farmers	$10009	$1701
Redpoint County Mutual	$409	$70
Geico County Mutual	$550	$91

Teen Car Insurance Rates in TX by Age

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 Farmers, offering rates of around $5079 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$646	$108
Foremost	$773	$131
AAA Texas	$824	$138
Dairyland	$958	$163
USAA	$1440	$240
Progressive	$2064	$348
AAA	$2503	$418
Allstate	$5888	$1001
State Farm	$7685	$1281
Texas Farm Bureau	$1448	$246
Farmers	$5079	$864

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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. Geico County Mutual is an expensive provider with an average six-month premium of $513.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$424	$70
Southern County Mutual	$513	$88
AAA Texas	$795	$133
State Farm	$854	$144
Mercury	$965	$161
USAA	$1233	$208
Texas Farm Bureau	$1604	$268
AAA	$2546	$433
Progressive	$2725	$459
Allstate	$5309	$894
Farmers	$8428	$1433
Redpoint County Mutual	$409	$68
Geico County Mutual	$513	$88

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	$1091	$184
USAA	$1700	$286
Progressive	$1738	$293
Nationwide	$2101	$358
AAA	$3854	$643
Allstate	$4389	$739
Texas Farm Bureau	$1233	$210
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 Mercury at $661. 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
Mercury	$661	$110
State Farm	$683	$115
AAA Texas	$705	$118
USAA	$1048	$178
AAA	$2546	$425
Progressive	$2718	$463
Allstate	$4129	$688
Texas Farm Bureau	$639	$109
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 rose by $270 in January compared to $259 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the Cockrell Hill rose to $88 in January, compared to $80 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cockrell Hill?

The car insurance in Cockrell Hill is $63 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 $165 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 $1238 for a six-month policy. It will cost around $260 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: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

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 N/A 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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