Cheapest Car Insurance Quotes in Dell City

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Dell City Car Insurance

^$ 40

/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 Dell City

The car insurance rate in Dell City is $1023 for a six-month policy, which is $256 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $632, making it a popular choice for budget-conscious drivers. Rates in Dell City 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 Dell City

$1023

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Dell City

1st place: Mercury

At $632 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 $656 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 $661 for six months, making it the third cheapest auto insurance company in Dell City.

Dell City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dell City, TX is Mercury, offering policies at just $632 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $656.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1962 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dell City drivers find the best deals.

Cheap Car Insurance Companies in Dell City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$632	$106
Texas Farm Bureau	$656	$111
AAA Texas	$661	$110
State Farm	$684	$115
USAA	$746	$126
Redpoint Insurance	$779	$133
AAA	$960	$160
Progressive	$998	$168
Southern County Mutual	$1031	$172
Allstate	$2148	$362
Farmers	$1962	$334

Key Takeaways

Way's key takeaways about car insurance in Dell City

The auto insurance costs in Dell City fall around $632 for six months.
The cheapest auto insurance company in Dell City is USAA.
Teen drivers pay the highest rate in Dell City at $1089 per month.

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

Cheapest Minimum Liability Car Insurance in Dell City

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 Dell City are given below.

USAA provides the cheapest minimum car insurance coverage in Dell City. Their Average 6 Month Premium is $238. Farmers is the most expensive at $774 for the same period.

Cheapest Liability Coverage in Dell City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$238	$40
Texas Farm Bureau	$247	$42
State Farm	$257	$43
Redpoint Insurance	$266	$46
Mercury	$309	$52
AAA	$342	$58
AAA Texas	$342	$57
Progressive	$352	$59
Allstate	$742	$125
Farmers	$774	$129

Cheapest Full Coverage Car Insurance in Dell City

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 Dell City is Mercury at $106 per month and $632 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dell City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$632	$106
Texas Farm Bureau	$656	$111
AAA Texas	$661	$110
State Farm	$684	$115
USAA	$746	$126
Redpoint Insurance	$779	$133
AAA	$960	$160
Progressive	$998	$168
Southern County Mutual	$1031	$172
Allstate	$2148	$362
Farmers	$1962	$334

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Average Car Insurance in Dell City 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 Dell City, TX increasing?

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

Car Insurance Premiums by Age in Dell City

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 Dell City,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Dell City at $46 per month. At $6406 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$271	$46
Southern County Mutual	$352	$58
Mercury	$380	$65
AAA Texas	$433	$72
USAA	$1088	$183
State Farm	$1159	$195
Texas Farm Bureau	$1217	$207
AAA	$1996	$333
Allstate	$3654	$615
Progressive	$5094	$858
Farmers	$6406	$1089

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 Dell City, Mercury is the cheapest car insurance provider. At $414 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 Dell City is Farmers, offering rates of around $3250 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$414	$69
Foremost	$494	$84
AAA Texas	$527	$88
Dairyland	$613	$104
USAA	$922	$154
Progressive	$1321	$222
AAA	$1602	$267
Allstate	$3768	$641
State Farm	$4918	$820
Texas Farm Bureau	$926	$158
Farmers	$3250	$553

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Car Insurance Rates with An Accident in Dell City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Dell City

The cheapest car insurance companies after an at-fault accident in Dell City include Redpoint Insurance and Southern County Mutual, offering $271 and $328, respectively. Farmers is an expensive provider with an average six-month premium of $5394.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$271	$45
Southern County Mutual	$328	$56
AAA Texas	$509	$85
State Farm	$546	$92
Mercury	$618	$103
USAA	$789	$133
Texas Farm Bureau	$1026	$171
AAA	$1630	$277
Progressive	$1744	$294
Allstate	$3398	$572
Farmers	$5394	$917

Dell City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dell City TX. For example, the car insurance in Dell City after a DUI increases to $628 for a six month policy. While the rate increases by $148 for a six-month policy in the case of a speeding ticket.

Dell City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1026	$171
One Med/PIP claim	$1036	$176
One comp claim	$1088	$182
Not-at-fault accident	$1098	$186
Two Med/PIP claims	$1102	$184
Failure to show documents	$1141	$194
Driving with expired registration	$1150	$192
Two comp claims	$1159	$197
Cell phone violation	$1169	$195
Driving without lights	$1169	$198
Texting while driving	$1169	$195
Driving too slowly	$1174	$199
Speeding 11 - 15 MPH over limit	$1174	$196
Speeding 16 - 20 MPH over limit	$1174	$199
Speeding 6 - 10 MPH over limit	$1174	$196
Speeding in school zone	$1174	$199
Child safety restraint	$1178	$197
Failure to wear a seat belt	$1178	$200
In 65 MPH zone	$1183	$198
Failure to stop at a red light	$1188	$202
Failure to yield	$1188	$198
Following too closely	$1188	$202
Illegal turn	$1188	$198
Improper passing	$1188	$202
Speeding 21 - 25 MPH over limit	$1188	$198
Passing school bus	$1193	$203
Wrong way/wrong lane	$1193	$198
Operating a vehicle without permission	$1198	$204
At-fault accident - less than $1000	$1245	$207
Open container	$1402	$238
Driving with a suspended license	$1454	$242
Racing	$1540	$262
Reckless driving	$1540	$257
Leaving scene of an accident/hit and run	$1578	$268
At-fault accident - $1000-$2000	$1582	$264
Refusal to submit to a chemical test	$1630	$277
DUI	$1654	$276
At-fault accident - greater than $2000	$1720	$293

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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 Dell City 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 Dell City.

The cheapest car insurance premiums in Dell City are offered by Mercury at $409 for a six-month policy. However, it can be as expensive as $2476 with companies like Farmers.

Dell City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$409	$68
Foremost	$461	$78
Dairyland	$504	$84
AAA Texas	$532	$90
State Farm	$698	$118
USAA	$1088	$183
Progressive	$1112	$187
Nationwide	$1345	$229
AAA	$2466	$411
Allstate	$2809	$473
Texas Farm Bureau	$789	$134
Farmers	$2476	$413

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 Dell City are offered by Mercury at $423. However, it can be as expensive as $2694 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dell City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$423	$70
State Farm	$437	$74
AAA Texas	$451	$75
USAA	$670	$114
AAA	$1630	$272
Progressive	$1739	$296
Allstate	$2642	$440
Texas Farm Bureau	$409	$70
Farmers	$2694	$458

Car Insurance Price Trends in Dell City, Texas

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

The average cost of full coverage in the Dell City remained steady at $173 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Dell City remained steady at $56 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 Dell City?

The car insurance in Dell City is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Dell City?

The cheapest car insurance in Dell City is $106 per month for full coverage.

How much is car insurance in Dell City for teenagers?

Car insurance for teenagers costs $271 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 Dell City?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $172 per month to insure your car in Dell City.

Is car insurance expensive in Dell City?

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

Cheapest Car Insurance Quotes in Dell City

Why you can trust Way?

How Much Is Car Insurance in Dell City

Avg. Car Insurance in Dell City

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Dell City

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Dell City Car Insurance Rates by Company

Cheap Car Insurance Companies in Dell City, TX

Way's key takeaways about car insurance in Dell City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dell City

Cheapest Liability Coverage in Dell City, TX

Cheapest Full Coverage Car Insurance in Dell City

Cheapest Full Coverage Car Insurance Quotes in Dell City, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dell City by Rating Factor

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

Car Insurance Premiums by Age in Dell City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dell City,TX

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

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 Dell City

Cheapest Car Insurance Companies after an At-Fault Accident in Dell City

Dell City Car Insurance Rates by Violation

Dell City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dell City after a DUI

Dell City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dell City after Speeding ticket

Car Insurance Price Trends in Dell City, Texas

Average Car Insurance Cost in Dell City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dell City, TX

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

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