Cheapest Car Insurance Quotes in Combine

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Combine Car Insurance

^$ 48

/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 Combine

The car insurance rate in Combine is $1162 for a six-month policy, which is $115 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $738, making it a popular choice for budget-conscious drivers. Rates in Combine 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 Combine

$1162

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Combine

1st place: Texas Farm Bureau

At $738 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 $877 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 $904 for six months, making it the third cheapest auto insurance company in Combine.

Combine Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Combine, TX is Texas Farm Bureau, offering policies at just $738 for a six-month term. This is followed by Mercury, which has an average six-month premium of $877.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1260 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Combine drivers find the best deals.

Cheap Car Insurance Companies in Combine, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$738	$124
Mercury	$877	$149
State Farm	$904	$152
AAA Texas	$917	$155
USAA	$1009	$170
Redpoint Insurance	$1081	$184
Progressive	$1247	$210
Southern County Mutual	$1431	$243
Allstate	$1702	$286
Farmers	$2723	$463
Redpoint County Mutual	$1061	$181
Geico County Mutual	$1187	$202
Germania	$475	$79
AAA	$830	$139
National General	$1260	$210

Key Takeaways

Way's key takeaways about car insurance in Combine

The auto insurance costs in Combine fall around $738 for six months.
The cheapest auto insurance company in Combine is Texas Farm Bureau.
Teen drivers pay the highest rate in Combine at $81 per month.

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Cheapest Minimum Liability Car Insurance in Combine

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 Combine are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Combine. Their Average 6 Month Premium is $283. Germania is the most expensive at $475 for the same period.

Cheapest Liability Coverage in Combine, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$283	$48
USAA	$316	$53
Progressive	$330	$56
State Farm	$336	$57
Redpoint Insurance	$370	$61
Mercury	$428	$72
AAA Texas	$475	$79
Allstate	$653	$110
Farmers	$1074	$179
Redpoint County Mutual	$356	$59
Geico County Mutual	$370	$63
National General	$408	$68
Germania	$475	$81

Cheapest Full Coverage Car Insurance in Combine

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 Combine is Texas Farm Bureau at $124 per month and $738 for six months.

Cheapest Full Coverage Car Insurance Quotes in Combine, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$738	$124
Mercury	$877	$149
State Farm	$904	$152
AAA Texas	$917	$155
USAA	$1009	$170
Redpoint Insurance	$1081	$184
Progressive	$1247	$210
Southern County Mutual	$1431	$243
Allstate	$1702	$286
Farmers	$2723	$463
Redpoint County Mutual	$1061	$181
Geico County Mutual	$1187	$202
Germania	$475	$79
AAA	$830	$139
National General	$1260	$210

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Average Car Insurance in Combine 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 Combine, TX increasing?

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

Car Insurance Premiums by Age in Combine

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	$776
40s	Nationwide	$770
50s	Texas Farm Bureau	$687
60s	Texas Farm Bureau	$635
70s	Texas Farm Bureau	$682

Cheapest Car Insurance Rates for Teen Drivers in Combine,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Combine at $62 per month. At $488 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	$376	$62
Southern County Mutual	$488	$83
Mercury	$527	$88
AAA Texas	$601	$102
Texas Farm Bureau	$1312	$221
USAA	$1431	$241
State Farm	$1484	$250
Allstate	$3725	$627
Progressive	$6356	$1070
Farmers	$8888	$1511
Redpoint County Mutual	$363	$62
Geico County Mutual	$488	$81

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 Combine.

As young drivers face the highest rates in Combine, Texas Farm Bureau offers the cheapest auto insurance rates at $776 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 Combine, Mercury is the cheapest car insurance provider. At $574 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 Combine is State Farm, offering rates of around $4978 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$574	$98
Foremost	$686	$114
AAA Texas	$731	$124
Dairyland	$850	$142
Allstate	$1114	$190
USAA	$1141	$190
Texas Farm Bureau	$1285	$219
Progressive	$1780	$300
Farmers	$4510	$767
State Farm	$4978	$829

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Car Insurance Rates with An Accident in Combine

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

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

The cheapest car insurance companies after an at-fault accident in Combine include Redpoint Insurance and Southern County Mutual, offering $376 and $455, respectively. National General is an expensive provider with an average six-month premium of $639.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$376	$62
Southern County Mutual	$455	$78
State Farm	$699	$118
AAA Texas	$706	$120
Mercury	$857	$143
USAA	$1048	$176
Texas Farm Bureau	$1160	$195
Progressive	$2156	$363
Allstate	$2426	$408
Farmers	$7484	$1272
Redpoint County Mutual	$363	$60
Geico County Mutual	$455	$78
National General	$639	$109

Combine Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Combine TX. For example, the car insurance in Combine after a DUI increases to $870 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Combine auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1424	$238
One Med/PIP claim	$1437	$244
One comp claim	$1510	$252
Not-at-fault accident	$1523	$259
Two Med/PIP claims	$1530	$255
Failure to show documents	$1583	$269
Driving with expired registration	$1595	$266
Two comp claims	$1608	$273
Cell phone violation	$1622	$271
Driving without lights	$1622	$275
Texting while driving	$1622	$271
Driving too slowly	$1628	$276
Speeding 11 - 15 MPH over limit	$1628	$272
Speeding 16 - 20 MPH over limit	$1628	$276
Speeding 6 - 10 MPH over limit	$1628	$272
Speeding in school zone	$1628	$276
Child safety restraint	$1635	$273
Failure to wear a seat belt	$1635	$278
In 65 MPH zone	$1642	$274
Failure to stop at a red light	$1648	$281
Failure to yield	$1648	$275
Following too closely	$1648	$281
Illegal turn	$1648	$275
Improper passing	$1648	$281
Speeding 21 - 25 MPH over limit	$1648	$275
Passing school bus	$1655	$282
Wrong way/wrong lane	$1655	$275
Operating a vehicle without permission	$1662	$283
At-fault accident - less than $1000	$1727	$287
Open container	$1945	$331
Driving with a suspended license	$2018	$336
Racing	$2137	$363
Reckless driving	$2137	$356
Leaving scene of an accident/hit and run	$2189	$372
At-fault accident - $1000-$2000	$2196	$366
Refusal to submit to a chemical test	$2261	$384
DUI	$2294	$383
At-fault accident - greater than $2000	$2387	$406

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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 Combine 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 Combine.

The cheapest car insurance premiums in Combine are offered by Mercury at $567 for a six-month policy. However, it can be as expensive as $3435 with companies like Farmers.

Combine car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$567	$94
Foremost	$639	$109
Dairyland	$699	$117
AAA Texas	$738	$125
State Farm	$924	$155
Texas Farm Bureau	$1094	$186
Progressive	$1384	$233
USAA	$1417	$239
Allstate	$1807	$304
Nationwide	$1866	$317
Farmers	$3435	$573

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 Combine are offered by State Farm at $514. However, it can be as expensive as $3738 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Combine after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$514	$87
Texas Farm Bureau	$567	$97
Mercury	$587	$98
AAA Texas	$626	$107
USAA	$825	$138
Allstate	$1114	$190
Progressive	$1919	$320
Farmers	$3738	$636

Car Insurance Price Trends in Combine, Texas

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

The average cost of full coverage in the Combine remained steady at $230 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Combine rose to $71 in December, compared to $69 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 Combine?

The car insurance in Combine is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Combine?

The cheapest car insurance in Combine is $124 per month for full coverage.

How much is car insurance in Combine for teenagers?

Car insurance for teenagers costs $376 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 Combine?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $196 per month to insure your car in Combine.

Is car insurance expensive in Combine?

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

Cheapest Car Insurance Quotes in Combine

Why you can trust Way?

How Much Is Car Insurance in Combine

Avg. Car Insurance in Combine

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Combine

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Combine Car Insurance Rates by Company

Cheap Car Insurance Companies in Combine, TX

Way's key takeaways about car insurance in Combine

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Combine

Cheapest Liability Coverage in Combine, TX

Cheapest Full Coverage Car Insurance in Combine

Cheapest Full Coverage Car Insurance Quotes in Combine, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Combine by Rating Factor

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

Car Insurance Premiums by Age in Combine

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Combine,TX

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

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 Combine

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

Combine Car Insurance Rates by Violation

Combine auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Combine after a DUI

Combine car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Combine after Speeding ticket

Car Insurance Price Trends in Combine, Texas

Average Car Insurance Cost in Combine by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Combine, TX

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

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