Cheapest Car Insurance Quotes in Denison

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Denison Car Insurance

^$ 47

/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 Denison

The car insurance rate in Denison is $1202 for a six-month policy, which is $77 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $743, making it a popular choice for budget-conscious drivers. Rates in Denison 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 Denison

$1202

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Denison

1st place: Mercury

At $743 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 $771 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 $776 for six months, making it the third cheapest auto insurance company in Denison.

Denison Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Denison, TX is Mercury, offering policies at just $743 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $771.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2306 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Denison drivers find the best deals.

Cheap Car Insurance Companies in Denison, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$743	$124
Texas Farm Bureau	$771	$131
AAA Texas	$776	$130
State Farm	$804	$135
USAA	$877	$148
Redpoint Insurance	$916	$156
AAA	$1128	$188
Progressive	$1172	$197
Southern County Mutual	$1212	$202
Allstate	$2524	$425
Farmers	$2306	$392

Key Takeaways

Way's key takeaways about car insurance in Denison

The auto insurance costs in Denison fall around $743 for six months.
The cheapest auto insurance company in Denison is USAA.
Teen drivers pay the highest rate in Denison at $1279 per month.

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Cheapest Minimum Liability Car Insurance in Denison

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 Denison are given below.

USAA provides the cheapest minimum car insurance coverage in Denison. Their Average 6 Month Premium is $279. Farmers is the most expensive at $910 for the same period.

Cheapest Liability Coverage in Denison, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$279	$47
Texas Farm Bureau	$290	$50
State Farm	$302	$51
Redpoint Insurance	$313	$54
Mercury	$363	$61
AAA	$402	$69
AAA Texas	$402	$67
Progressive	$414	$70
Allstate	$871	$147
Farmers	$910	$151

Cheapest Full Coverage Car Insurance in Denison

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 Denison is Mercury at $124 per month and $743 for six months.

Cheapest Full Coverage Car Insurance Quotes in Denison, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$743	$124
Texas Farm Bureau	$771	$131
AAA Texas	$776	$130
State Farm	$804	$135
USAA	$877	$148
Redpoint Insurance	$916	$156
AAA	$1128	$188
Progressive	$1172	$197
Southern County Mutual	$1212	$202
Allstate	$2524	$425
Farmers	$2306	$392

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Average Car Insurance in Denison 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 Denison, TX increasing?

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

Car Insurance Premiums by Age in Denison

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 Denison,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Denison at $55 per month. At $7527 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$319	$55
Southern County Mutual	$414	$69
Mercury	$447	$76
AAA Texas	$509	$85
USAA	$1278	$215
State Farm	$1362	$229
Texas Farm Bureau	$1430	$243
AAA	$2345	$391
Allstate	$4294	$723
Progressive	$5986	$1008
Farmers	$7527	$1279

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 Denison, Mercury is the cheapest car insurance provider. At $486 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 Denison is Farmers, offering rates of around $3819 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$486	$81
Foremost	$581	$99
AAA Texas	$619	$103
Dairyland	$720	$122
USAA	$1083	$180
Progressive	$1552	$261
AAA	$1882	$314
Allstate	$4427	$753
State Farm	$5779	$964
Texas Farm Bureau	$1089	$185
Farmers	$3819	$650

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Car Insurance Rates with An Accident in Denison

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

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

The cheapest car insurance companies after an at-fault accident in Denison include Redpoint Insurance and Southern County Mutual, offering $319 and $385, respectively. Farmers is an expensive provider with an average six-month premium of $6337.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$319	$53
Southern County Mutual	$385	$66
AAA Texas	$598	$100
State Farm	$642	$108
Mercury	$726	$121
USAA	$927	$156
Texas Farm Bureau	$1206	$201
AAA	$1915	$325
Progressive	$2049	$345
Allstate	$3992	$672
Farmers	$6337	$1077

Denison Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Denison TX. For example, the car insurance in Denison after a DUI increases to $737 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.

Denison auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1206	$201
One Med/PIP claim	$1217	$207
One comp claim	$1278	$213
Not-at-fault accident	$1290	$219
Two Med/PIP claims	$1295	$216
Failure to show documents	$1340	$227
Driving with expired registration	$1351	$226
Two comp claims	$1362	$231
Cell phone violation	$1373	$229
Driving without lights	$1373	$233
Texting while driving	$1373	$229
Driving too slowly	$1379	$234
Speeding 11 - 15 MPH over limit	$1379	$230
Speeding 16 - 20 MPH over limit	$1379	$234
Speeding 6 - 10 MPH over limit	$1379	$230
Speeding in school zone	$1379	$234
Child safety restraint	$1385	$231
Failure to wear a seat belt	$1385	$235
In 65 MPH zone	$1390	$232
Failure to stop at a red light	$1396	$238
Failure to yield	$1396	$233
Following too closely	$1396	$238
Illegal turn	$1396	$233
Improper passing	$1396	$238
Speeding 21 - 25 MPH over limit	$1396	$233
Passing school bus	$1402	$239
Wrong way/wrong lane	$1402	$233
Operating a vehicle without permission	$1407	$240
At-fault accident - less than $1000	$1463	$243
Open container	$1647	$280
Driving with a suspended license	$1709	$285
Racing	$1810	$307
Reckless driving	$1810	$302
Leaving scene of an accident/hit and run	$1854	$315
At-fault accident - $1000-$2000	$1859	$310
Refusal to submit to a chemical test	$1915	$325
DUI	$1943	$324
At-fault accident - greater than $2000	$2021	$344

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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 Denison 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 Denison.

The cheapest car insurance premiums in Denison are offered by Mercury at $480 for a six-month policy. However, it can be as expensive as $2909 with companies like Farmers.

Denison car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$480	$80
Foremost	$541	$92
Dairyland	$592	$99
AAA Texas	$625	$106
State Farm	$821	$138
USAA	$1278	$215
Progressive	$1307	$220
Nationwide	$1580	$269
AAA	$2898	$483
Allstate	$3300	$556
Texas Farm Bureau	$927	$158
Farmers	$2909	$485

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 Denison are offered by Mercury at $497. However, it can be as expensive as $3166 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Denison after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$497	$83
State Farm	$513	$86
AAA Texas	$530	$88
USAA	$788	$133
AAA	$1915	$320
Progressive	$2044	$348
Allstate	$3105	$517
Texas Farm Bureau	$480	$82
Farmers	$3166	$539

Car Insurance Price Trends in Denison, Texas

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

The average cost of full coverage in the Denison remained steady at $203 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Denison remained steady at $66 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Denison?

The car insurance in Denison is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Denison?

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

How much is car insurance in Denison for teenagers?

Car insurance for teenagers costs $319 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 Denison?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $202 per month to insure your car in Denison.

Is car insurance expensive in Denison?

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

Cheapest Car Insurance Quotes in Denison

Why you can trust Way?

How Much Is Car Insurance in Denison

Avg. Car Insurance in Denison

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Denison

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Denison Car Insurance Rates by Company

Cheap Car Insurance Companies in Denison, TX

Way's key takeaways about car insurance in Denison

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Denison

Cheapest Liability Coverage in Denison, TX

Cheapest Full Coverage Car Insurance in Denison

Cheapest Full Coverage Car Insurance Quotes in Denison, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Denison by Rating Factor

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

Car Insurance Premiums by Age in Denison

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Denison,TX

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

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 Denison

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

Denison Car Insurance Rates by Violation

Denison auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Denison after a DUI

Denison car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Denison after Speeding ticket

Car Insurance Price Trends in Denison, Texas

Average Car Insurance Cost in Denison by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Denison, TX

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

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