Cheapest Car Insurance Quotes in Crosby

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Crosby Car Insurance

^$ 53

/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 Crosby

The car insurance rate in Crosby is $1288 for a six-month policy, which is $241 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $818, making it a popular choice for budget-conscious drivers. Rates in Crosby 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 Crosby

$1288

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Crosby

1st place: Texas Farm Bureau

At $818 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 $972 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 $1001 for six months, making it the third cheapest auto insurance company in Crosby.

Crosby Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Crosby, TX is Texas Farm Bureau, offering policies at just $818 for a six-month term. This is followed by Mercury, which has an average six-month premium of $972.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1396 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Crosby drivers find the best deals.

Cheap Car Insurance Companies in Crosby, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$818	$138
Mercury	$972	$165
State Farm	$1001	$169
AAA Texas	$1016	$172
USAA	$1118	$188
Redpoint Insurance	$1198	$204
Progressive	$1381	$232
Southern County Mutual	$1585	$269
Allstate	$1886	$317
Farmers	$3017	$513
Redpoint County Mutual	$1176	$200
Geico County Mutual	$1315	$224
Germania	$526	$87
AAA	$920	$154
National General	$1396	$232

Key Takeaways

Way's key takeaways about car insurance in Crosby

The auto insurance costs in Crosby fall around $818 for six months.
The cheapest auto insurance company in Crosby is Texas Farm Bureau.
Teen drivers pay the highest rate in Crosby at $90 per month.

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

Cheapest Minimum Liability Car Insurance in Crosby

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 Crosby are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Crosby. Their Average 6 Month Premium is $314. Germania is the most expensive at $526 for the same period.

Cheapest Liability Coverage in Crosby, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$314	$53
USAA	$351	$59
Progressive	$365	$62
State Farm	$373	$63
Redpoint Insurance	$410	$68
Mercury	$475	$80
AAA Texas	$526	$87
Allstate	$723	$122
Farmers	$1191	$198
Redpoint County Mutual	$395	$65
Geico County Mutual	$410	$70
National General	$453	$75
Germania	$526	$90

Cheapest Full Coverage Car Insurance in Crosby

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 Crosby is Texas Farm Bureau at $138 per month and $818 for six months.

Cheapest Full Coverage Car Insurance Quotes in Crosby, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$818	$138
Mercury	$972	$165
State Farm	$1001	$169
AAA Texas	$1016	$172
USAA	$1118	$188
Redpoint Insurance	$1198	$204
Progressive	$1381	$232
Southern County Mutual	$1585	$269
Allstate	$1886	$317
Farmers	$3017	$513
Redpoint County Mutual	$1176	$200
Geico County Mutual	$1315	$224
Germania	$526	$87
AAA	$920	$154
National General	$1396	$232

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Average Car Insurance in Crosby 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 Crosby, TX increasing?

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

Car Insurance Premiums by Age in Crosby

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	$860
40s	Nationwide	$854
50s	Texas Farm Bureau	$761
60s	Texas Farm Bureau	$704
70s	Texas Farm Bureau	$755

Cheapest Car Insurance Rates for Teen Drivers in Crosby,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Crosby at $69 per month. At $541 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	$417	$69
Southern County Mutual	$541	$92
Mercury	$584	$97
AAA Texas	$665	$113
Texas Farm Bureau	$1454	$245
USAA	$1585	$267
State Farm	$1645	$277
Allstate	$4128	$695
Progressive	$7043	$1186
Farmers	$9849	$1674
Redpoint County Mutual	$402	$69
Geico County Mutual	$541	$90

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 Crosby.

As young drivers face the highest rates in Crosby, Texas Farm Bureau offers the cheapest auto insurance rates at $860 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 Crosby, Mercury is the cheapest car insurance provider. At $636 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 Crosby is State Farm, offering rates of around $5517 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$636	$108
Foremost	$760	$127
AAA Texas	$811	$138
Dairyland	$942	$157
Allstate	$1235	$210
USAA	$1264	$210
Texas Farm Bureau	$1424	$242
Progressive	$1973	$332
Farmers	$4997	$850
State Farm	$5517	$919

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Car Insurance Rates with An Accident in Crosby

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

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

The cheapest car insurance companies after an at-fault accident in Crosby include Redpoint Insurance and Southern County Mutual, offering $417 and $504, respectively. National General is an expensive provider with an average six-month premium of $708.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$417	$69
Southern County Mutual	$504	$86
State Farm	$775	$130
AAA Texas	$782	$133
Mercury	$950	$159
USAA	$1161	$196
Texas Farm Bureau	$1285	$216
Progressive	$2389	$402
Allstate	$2689	$453
Farmers	$8293	$1410
Redpoint County Mutual	$402	$66
Geico County Mutual	$504	$86
National General	$708	$121

Crosby Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Crosby TX. For example, the car insurance in Crosby after a DUI increases to $964 for a six month policy. While the rate increases by $226 for a six-month policy in the case of a speeding ticket.

Crosby auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1578	$263
One Med/PIP claim	$1593	$271
One comp claim	$1673	$279
Not-at-fault accident	$1688	$287
Two Med/PIP claims	$1695	$283
Failure to show documents	$1754	$298
Driving with expired registration	$1768	$295
Two comp claims	$1782	$303
Cell phone violation	$1797	$300
Driving without lights	$1797	$305
Texting while driving	$1797	$300
Driving too slowly	$1804	$306
Speeding 11 - 15 MPH over limit	$1804	$301
Speeding 16 - 20 MPH over limit	$1804	$306
Speeding 6 - 10 MPH over limit	$1804	$301
Speeding in school zone	$1804	$306
Child safety restraint	$1812	$303
Failure to wear a seat belt	$1812	$308
In 65 MPH zone	$1819	$304
Failure to stop at a red light	$1827	$311
Failure to yield	$1827	$305
Following too closely	$1827	$311
Illegal turn	$1827	$305
Improper passing	$1827	$311
Speeding 21 - 25 MPH over limit	$1827	$305
Passing school bus	$1834	$312
Wrong way/wrong lane	$1834	$305
Operating a vehicle without permission	$1841	$314
At-fault accident - less than $1000	$1914	$319
Open container	$2155	$367
Driving with a suspended license	$2236	$373
Racing	$2368	$402
Reckless driving	$2368	$395
Leaving scene of an accident/hit and run	$2426	$412
At-fault accident - $1000-$2000	$2433	$406
Refusal to submit to a chemical test	$2506	$426
DUI	$2542	$424
At-fault accident - greater than $2000	$2645	$450

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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 Crosby 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 Crosby.

The cheapest car insurance premiums in Crosby are offered by Mercury at $629 for a six-month policy. However, it can be as expensive as $3807 with companies like Farmers.

Crosby car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$629	$105
Foremost	$708	$121
Dairyland	$775	$129
AAA Texas	$818	$139
State Farm	$1023	$172
Texas Farm Bureau	$1213	$207
Progressive	$1534	$258
USAA	$1571	$264
Allstate	$2002	$337
Nationwide	$2068	$352
Farmers	$3807	$635

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 Crosby are offered by State Farm at $569. However, it can be as expensive as $4143 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Crosby after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$569	$96
Texas Farm Bureau	$629	$107
Mercury	$651	$108
AAA Texas	$694	$118
USAA	$914	$153
Allstate	$1235	$210
Progressive	$2127	$354
Farmers	$4143	$705

Car Insurance Price Trends in Crosby, Texas

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

The average cost of full coverage in the Crosby remained steady at $255 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Crosby rose to $79 in December, compared to $76 in November. This represents an increase of $3 when comparing December and November.

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Principal

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Frequently Asked Questions

How much is car insurance in Crosby?

The car insurance in Crosby is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Crosby?

The cheapest car insurance in Crosby is $138 per month for full coverage.

How much is car insurance in Crosby for teenagers?

Car insurance for teenagers costs $417 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 Crosby?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $218 per month to insure your car in Crosby.

Is car insurance expensive in Crosby?

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

Cheapest Car Insurance Quotes in Crosby

Why you can trust Way?

How Much Is Car Insurance in Crosby

Avg. Car Insurance in Crosby

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Crosby

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Crosby Car Insurance Rates by Company

Cheap Car Insurance Companies in Crosby, TX

Way's key takeaways about car insurance in Crosby

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Crosby

Cheapest Liability Coverage in Crosby, TX

Cheapest Full Coverage Car Insurance in Crosby

Cheapest Full Coverage Car Insurance Quotes in Crosby, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Crosby by Rating Factor

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

Car Insurance Premiums by Age in Crosby

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Crosby,TX

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

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 Crosby

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

Crosby Car Insurance Rates by Violation

Crosby auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Crosby after a DUI

Crosby car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Crosby after Speeding ticket

Car Insurance Price Trends in Crosby, Texas

Average Car Insurance Cost in Crosby by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Crosby, TX

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

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