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Finding the cheapest car insurance quotes in Doucette shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Doucette
The car insurance rate in Doucette is $1110 for a six-month policy, which is $63 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $705, making it a popular choice for budget-conscious drivers. Rates in Doucette 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.
At $705 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 $837 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 $863
for six months, making it
the third cheapest auto insurance company in Doucette.
Doucette Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Doucette, TX is Texas Farm Bureau, offering policies at just $705 for a six-month term. This is followed by Mercury, which has an average six-month premium of $837.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1203 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Doucette drivers find the best deals.
Way's key takeaways about car insurance in Doucette
The auto insurance costs in Doucette fall around $705 for six
months.
The cheapest auto insurance company in Doucette is Texas Farm Bureau.
Teen drivers pay the highest rate in Doucette at $77 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Doucette
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 Doucette are given below.
Texas Farm Bureau provides
the cheapest minimum car insurance
coverage in Doucette. Their Average 6 Month Premium is $270.
Germania is the most
expensive at $454 for the same
period.
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 Doucette is Texas Farm Bureau
at $119 per month and $705
for six months.
Cheapest Full Coverage Car Insurance Quotes in Doucette,
TX
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Average Car Insurance in Doucette 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 Doucette, TX increasing?
Despite maintaining a clean driving record, your car insurance rates
in Doucette, 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, Doucette's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Doucette
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
$741
40s
Nationwide
$736
50s
Texas Farm Bureau
$656
60s
Texas Farm Bureau
$606
70s
Texas Farm Bureau
$651
Cheapest Car Insurance Rates for Teen Drivers in
Doucette,TX
If you are planning to get a car insurance policy for your teenage
dependent, Redpoint Insurance provides the cheapest car
insurance in the Doucette at $59
per
month. At $466 for a six-month premium,
Geico County Mutual offers the most expensive rate for
teen drivers.
If you are in your twenties Texas Farm Bureau is
the best choice for car
insurance in Doucette.
As young drivers face the highest rates in Doucette, Texas Farm Bureau
offers the cheapest auto insurance rates at $741 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 Doucette,
Mercury is
the cheapest car insurance provider. At $548 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
Doucette is State Farm, offering
rates of around $4754 for six
months.
Save up to $971/yr on car insurance rates in Doucette.
Car Insurance Rates with An Accident in Doucette
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 Doucette, TX,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Doucette
The cheapest car insurance companies after an at-fault accident in
Doucette include Redpoint Insurance
and Southern County Mutual, offering $359
and $435,
respectively. National General is an expensive provider
with an average six-month premium of
$611.
Here is a list of driving violations that can increase your car
insurance rates in Doucette TX. For example, the car
insurance in Doucette
after a DUI increases to $831 for a six
month policy. While the rate increases by $195 for a six-month policy in the case of
a speeding ticket.
Doucette auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1360
$227
One Med/PIP claim
$1373
$233
One comp claim
$1442
$241
Not-at-fault accident
$1454
$247
Two Med/PIP claims
$1461
$244
Failure to show documents
$1512
$257
Driving with expired registration
$1523
$254
Two comp claims
$1536
$261
Cell phone violation
$1549
$259
Driving without lights
$1549
$263
Texting while driving
$1549
$259
Driving too slowly
$1555
$264
Speeding 11 - 15 MPH over limit
$1555
$260
Speeding 16 - 20 MPH over limit
$1555
$264
Speeding 6 - 10 MPH over limit
$1555
$260
Speeding in school zone
$1555
$264
Child safety restraint
$1561
$261
Failure to wear a seat belt
$1561
$265
In 65 MPH zone
$1568
$262
Failure to stop at a red light
$1574
$268
Failure to yield
$1574
$263
Following too closely
$1574
$268
Illegal turn
$1574
$263
Improper passing
$1574
$268
Speeding 21 - 25 MPH over limit
$1574
$263
Passing school bus
$1580
$269
Wrong way/wrong lane
$1580
$263
Operating a vehicle without permission
$1587
$270
At-fault accident - less than $1000
$1649
$275
Open container
$1857
$316
Driving with a suspended license
$1927
$321
Racing
$2041
$347
Reckless driving
$2041
$340
Leaving scene of an accident/hit and run
$2090
$355
At-fault accident - $1000-$2000
$2097
$350
Refusal to submit to a chemical test
$2159
$367
DUI
$2191
$366
At-fault accident - greater than $2000
$2279
$388
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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 Doucette 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 Doucette.
The cheapest car insurance premiums in
Doucette are
offered by Mercury at $542 for a six-month policy.
However, it can be as
expensive as $3281 with companies
like Farmers.
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 Doucette are offered by State Farm
at $491. However,
it can be as expensive as $3570
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Doucette after Speeding ticket
Car insurance rates in Doucette have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Doucette remained steady at $219 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Doucette rose to $68 in December,
compared to $66 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Doucette by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Doucette. At $2219 for a
six-month policy, insuring
your car at 75942 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Doucette?
The car insurance in Doucette is $46 per month, which is lower than the national average.
What is the cheapest car insurance in Doucette?
The cheapest car insurance in Doucette
is $119 per month
for full coverage.
How much is car insurance in Doucette for teenagers?
Car insurance for teenagers costs $359 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
Doucette?
The average cost of car insurance is $1047 for a six-month
policy. It will cost around $188 per month to insure your
car in Doucette.
Is car insurance expensive in Doucette?
Car insurance can be expensive in Doucette if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Doucette can be
affordable.
What is the best car insurance in Doucette,
TX?
The best car insurance company in Doucette
TX is
Texas Farm Bureau, offering $705 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Doucette, TX
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Doucette Car Insurance
