Cheapest Car Insurance Quotes in Combes

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408,850 Policies Sold

Combes Car Insurance

^$ 58

/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 Combes

The car insurance rate in Combes is $1484 for a six-month policy, which is $205 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $916, making it a popular choice for budget-conscious drivers. Rates in Combes 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 Combes

$1484

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Combes

1st place: Mercury

At $916 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 $951 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 $958 for six months, making it the third cheapest auto insurance company in Combes.

Combes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Combes, TX is Mercury, offering policies at just $916 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $951.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2845 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Combes drivers find the best deals.

Cheap Car Insurance Companies in Combes, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$916	$153
Texas Farm Bureau	$951	$161
AAA Texas	$958	$160
State Farm	$992	$167
USAA	$1082	$182
Redpoint Insurance	$1130	$193
AAA	$1392	$232
Progressive	$1447	$244
Southern County Mutual	$1495	$249
Allstate	$3115	$524
Farmers	$2845	$484

Key Takeaways

Way's key takeaways about car insurance in Combes

The auto insurance costs in Combes fall around $916 for six months.
The cheapest auto insurance company in Combes is USAA.
Teen drivers pay the highest rate in Combes at $1579 per month.

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Cheapest Minimum Liability Car Insurance in Combes

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 Combes are given below.

USAA provides the cheapest minimum car insurance coverage in Combes. Their Average 6 Month Premium is $345. Farmers is the most expensive at $1123 for the same period.

Cheapest Liability Coverage in Combes, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$345	$58
Texas Farm Bureau	$358	$61
State Farm	$372	$63
Redpoint Insurance	$386	$66
Mercury	$448	$75
AAA	$496	$85
AAA Texas	$496	$82
Progressive	$510	$86
Allstate	$1075	$181
Farmers	$1123	$187

Cheapest Full Coverage Car Insurance in Combes

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 Combes is Mercury at $153 per month and $916 for six months.

Cheapest Full Coverage Car Insurance Quotes in Combes, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$916	$153
Texas Farm Bureau	$951	$161
AAA Texas	$958	$160
State Farm	$992	$167
USAA	$1082	$182
Redpoint Insurance	$1130	$193
AAA	$1392	$232
Progressive	$1447	$244
Southern County Mutual	$1495	$249
Allstate	$3115	$524
Farmers	$2845	$484

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Average Car Insurance in Combes 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 Combes, TX increasing?

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

Car Insurance Premiums by Age in Combes

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 Combes,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Combes at $67 per month. At $9288 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$393	$67
Southern County Mutual	$510	$85
Mercury	$551	$94
AAA Texas	$628	$104
USAA	$1578	$266
State Farm	$1681	$283
Texas Farm Bureau	$1764	$300
AAA	$2894	$483
Allstate	$5299	$892
Progressive	$7387	$1244
Farmers	$9288	$1579

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 Combes, Mercury is the cheapest car insurance provider. At $600 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 Combes is Farmers, offering rates of around $4713 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$600	$100
Foremost	$717	$122
AAA Texas	$764	$128
Dairyland	$889	$151
USAA	$1336	$223
Progressive	$1915	$322
AAA	$2322	$387
Allstate	$5464	$929
State Farm	$7132	$1189
Texas Farm Bureau	$1343	$229
Farmers	$4713	$802

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Car Insurance Rates with An Accident in Combes

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

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

The cheapest car insurance companies after an at-fault accident in Combes include Redpoint Insurance and Southern County Mutual, offering $393 and $476, respectively. Farmers is an expensive provider with an average six-month premium of $7821.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$393	$65
Southern County Mutual	$476	$81
AAA Texas	$738	$123
State Farm	$792	$133
Mercury	$896	$150
USAA	$1144	$193
Texas Farm Bureau	$1488	$248
AAA	$2363	$401
Progressive	$2529	$426
Allstate	$4927	$829
Farmers	$7821	$1329

Combes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Combes TX. For example, the car insurance in Combes after a DUI increases to $910 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Combes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1488	$248
One Med/PIP claim	$1502	$255
One comp claim	$1578	$263
Not-at-fault accident	$1592	$270
Two Med/PIP claims	$1598	$267
Failure to show documents	$1654	$281
Driving with expired registration	$1667	$278
Two comp claims	$1681	$285
Cell phone violation	$1695	$283
Driving without lights	$1695	$288
Texting while driving	$1695	$283
Driving too slowly	$1702	$289
Speeding 11 - 15 MPH over limit	$1702	$284
Speeding 16 - 20 MPH over limit	$1702	$289
Speeding 6 - 10 MPH over limit	$1702	$284
Speeding in school zone	$1702	$289
Child safety restraint	$1709	$285
Failure to wear a seat belt	$1709	$290
In 65 MPH zone	$1716	$287
Failure to stop at a red light	$1723	$293
Failure to yield	$1723	$288
Following too closely	$1723	$293
Illegal turn	$1723	$288
Improper passing	$1723	$293
Speeding 21 - 25 MPH over limit	$1723	$288
Passing school bus	$1730	$295
Wrong way/wrong lane	$1730	$288
Operating a vehicle without permission	$1737	$296
At-fault accident - less than $1000	$1805	$300
Open container	$2032	$346
Driving with a suspended license	$2109	$351
Racing	$2233	$379
Reckless driving	$2233	$372
Leaving scene of an accident/hit and run	$2288	$389
At-fault accident - $1000-$2000	$2294	$383
Refusal to submit to a chemical test	$2363	$401
DUI	$2398	$400
At-fault accident - greater than $2000	$2494	$425

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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 Combes 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 Combes.

The cheapest car insurance premiums in Combes are offered by Mercury at $593 for a six-month policy. However, it can be as expensive as $3590 with companies like Farmers.

Combes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$593	$99
Foremost	$668	$114
Dairyland	$731	$122
AAA Texas	$771	$131
State Farm	$1013	$171
USAA	$1578	$266
Progressive	$1612	$271
Nationwide	$1950	$332
AAA	$3576	$596
Allstate	$4073	$686
Texas Farm Bureau	$1144	$195
Farmers	$3590	$599

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 Combes are offered by Mercury at $614. However, it can be as expensive as $3907 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Combes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$614	$102
State Farm	$633	$107
AAA Texas	$654	$109
USAA	$972	$165
AAA	$2363	$394
Progressive	$2522	$429
Allstate	$3831	$638
Texas Farm Bureau	$593	$101
Farmers	$3907	$665

Car Insurance Price Trends in Combes, Texas

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

The average cost of full coverage in the Combes remained steady at $251 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Combes remained steady at $81 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Combes?

The car insurance in Combes is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Combes?

The cheapest car insurance in Combes is $153 per month for full coverage.

How much is car insurance in Combes for teenagers?

Car insurance for teenagers costs $393 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 Combes?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $249 per month to insure your car in Combes.

Is car insurance expensive in Combes?

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

Cheapest Car Insurance Quotes in Combes

Why you can trust Way?

How Much Is Car Insurance in Combes

Avg. Car Insurance in Combes

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Combes

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Combes Car Insurance Rates by Company

Cheap Car Insurance Companies in Combes, TX

Way's key takeaways about car insurance in Combes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Combes

Cheapest Liability Coverage in Combes, TX

Cheapest Full Coverage Car Insurance in Combes

Cheapest Full Coverage Car Insurance Quotes in Combes, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Combes by Rating Factor

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

Car Insurance Premiums by Age in Combes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Combes,TX

If you are in your twenties N/A is the best choice for car insurance in Combes.

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 Combes

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

Combes Car Insurance Rates by Violation

Combes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Combes after a DUI

Combes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Combes after Speeding ticket

Car Insurance Price Trends in Combes, Texas

Average Car Insurance Cost in Combes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Combes, TX

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

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