Cheapest Car Insurance Quotes in Edcouch

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Edcouch Car Insurance

^$ 59

/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 Edcouch

The car insurance rate in Edcouch is $1461 for a six-month policy, which is $223 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $932, making it a popular choice for budget-conscious drivers. Rates in Edcouch 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 Edcouch

$1461

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Edcouch

1st place: Mercury

At $932 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 $968 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 $975 for six months, making it the third cheapest auto insurance company in Edcouch.

Edcouch Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Edcouch, TX is Mercury, offering policies at just $932 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $968.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1261 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Edcouch drivers find the best deals.

Cheap Car Insurance Companies in Edcouch, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$932	$156
Texas Farm Bureau	$968	$164
AAA Texas	$975	$163
State Farm	$1009	$170
USAA	$1101	$185
Redpoint Insurance	$1149	$196
AAA	$1416	$236
Progressive	$1471	$248
Southern County Mutual	$1521	$254
Allstate	$3168	$533
Farmers	$2895	$492
Redpoint County Mutual	$1128	$192
Geico County Mutual	$1261	$215

Key Takeaways

Way's key takeaways about car insurance in Edcouch

The auto insurance costs in Edcouch fall around $932 for six months.
The cheapest auto insurance company in Edcouch is USAA.
Teen drivers pay the highest rate in Edcouch at $86 per month.

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

Cheapest Minimum Liability Car Insurance in Edcouch

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 Edcouch are given below.

USAA provides the cheapest minimum car insurance coverage in Edcouch. Their Average 6 Month Premium is $350. Geico County Mutual is the most expensive at $393 for the same period.

Cheapest Liability Coverage in Edcouch, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$350	$59
Texas Farm Bureau	$365	$63
State Farm	$379	$64
Redpoint Insurance	$393	$67
Mercury	$455	$77
AAA	$505	$86
AAA Texas	$505	$84
Progressive	$519	$87
Allstate	$1094	$184
Farmers	$1142	$190
Redpoint County Mutual	$379	$63
Geico County Mutual	$393	$67

Cheapest Full Coverage Car Insurance in Edcouch

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 Edcouch is Mercury at $156 per month and $932 for six months.

Cheapest Full Coverage Car Insurance Quotes in Edcouch, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$932	$156
Texas Farm Bureau	$968	$164
AAA Texas	$975	$163
State Farm	$1009	$170
USAA	$1101	$185
Redpoint Insurance	$1149	$196
AAA	$1416	$236
Progressive	$1471	$248
Southern County Mutual	$1521	$254
Allstate	$3168	$533
Farmers	$2895	$492
Redpoint County Mutual	$1128	$192
Geico County Mutual	$1261	$215

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Average Car Insurance in Edcouch 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 Edcouch, TX increasing?

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

Car Insurance Premiums by Age in Edcouch

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 Edcouch,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Edcouch at $68 per month. At $519 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	$400	$68
Southern County Mutual	$519	$86
Mercury	$561	$96
AAA Texas	$638	$106
USAA	$1605	$270
State Farm	$1710	$288
Texas Farm Bureau	$1795	$306
AAA	$2944	$491
Allstate	$5390	$907
Progressive	$7514	$1265
Farmers	$9448	$1606
Redpoint County Mutual	$386	$66
Geico County Mutual	$519	$86

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 Edcouch, Mercury is the cheapest car insurance provider. At $610 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 Edcouch is Farmers, offering rates of around $4794 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$610	$101
Foremost	$729	$124
AAA Texas	$778	$130
Dairyland	$904	$153
USAA	$1359	$227
Progressive	$1948	$328
AAA	$2362	$394
Allstate	$5558	$945
State Farm	$7255	$1210
Texas Farm Bureau	$1366	$232
Farmers	$4794	$815

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Car Insurance Rates with An Accident in Edcouch

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

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

The cheapest car insurance companies after an at-fault accident in Edcouch include Redpoint Insurance and Southern County Mutual, offering $400 and $484, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $484.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$400	$66
Southern County Mutual	$484	$83
AAA Texas	$750	$125
State Farm	$806	$136
Mercury	$911	$152
USAA	$1163	$196
Texas Farm Bureau	$1514	$253
AAA	$2404	$408
Progressive	$2572	$433
Allstate	$5011	$844
Farmers	$7956	$1352
Redpoint County Mutual	$386	$64
Geico County Mutual	$484	$83

Edcouch Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Edcouch TX. For example, the car insurance in Edcouch after a DUI increases to $925 for a six month policy. While the rate increases by $217 for a six-month policy in the case of a speeding ticket.

Edcouch auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1514	$253
One Med/PIP claim	$1528	$260
One comp claim	$1605	$268
Not-at-fault accident	$1619	$275
Two Med/PIP claims	$1626	$271
Failure to show documents	$1683	$286
Driving with expired registration	$1696	$283
Two comp claims	$1710	$290
Cell phone violation	$1724	$288
Driving without lights	$1724	$293
Texting while driving	$1724	$288
Driving too slowly	$1731	$294
Speeding 11 - 15 MPH over limit	$1731	$289
Speeding 16 - 20 MPH over limit	$1731	$294
Speeding 6 - 10 MPH over limit	$1731	$289
Speeding in school zone	$1731	$294
Child safety restraint	$1738	$290
Failure to wear a seat belt	$1738	$295
In 65 MPH zone	$1745	$291
Failure to stop at a red light	$1752	$299
Failure to yield	$1752	$293
Following too closely	$1752	$299
Illegal turn	$1752	$293
Improper passing	$1752	$299
Speeding 21 - 25 MPH over limit	$1752	$293
Passing school bus	$1759	$300
Wrong way/wrong lane	$1759	$293
Operating a vehicle without permission	$1766	$301
At-fault accident - less than $1000	$1836	$306
Open container	$2067	$352
Driving with a suspended license	$2145	$358
Racing	$2272	$386
Reckless driving	$2272	$379
Leaving scene of an accident/hit and run	$2327	$395
At-fault accident - $1000-$2000	$2334	$389
Refusal to submit to a chemical test	$2404	$408
DUI	$2439	$407
At-fault accident - greater than $2000	$2537	$432

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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 Edcouch 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 Edcouch.

The cheapest car insurance premiums in Edcouch are offered by Mercury at $603 for a six-month policy. However, it can be as expensive as $3652 with companies like Farmers.

Edcouch car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$603	$100
Foremost	$680	$116
Dairyland	$743	$124
AAA Texas	$785	$133
State Farm	$1030	$173
USAA	$1605	$270
Progressive	$1640	$276
Nationwide	$1984	$337
AAA	$3638	$607
Allstate	$4143	$697
Texas Farm Bureau	$1163	$198
Farmers	$3652	$609

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 Edcouch are offered by Mercury at $624. However, it can be as expensive as $3974 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Edcouch after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$624	$104
State Farm	$644	$109
AAA Texas	$666	$111
USAA	$989	$168
AAA	$2404	$401
Progressive	$2565	$437
Allstate	$3898	$649
Texas Farm Bureau	$603	$103
Farmers	$3974	$676

Car Insurance Price Trends in Edcouch, Texas

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

The average cost of full coverage in the Edcouch rose by $255 in January compared to $244 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the Edcouch rose to $83 in January, compared to $76 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Edcouch?

The car insurance in Edcouch is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Edcouch?

The cheapest car insurance in Edcouch is $156 per month for full coverage.

How much is car insurance in Edcouch for teenagers?

Car insurance for teenagers costs $400 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 Edcouch?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $245 per month to insure your car in Edcouch.

Is car insurance expensive in Edcouch?

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

Cheapest Car Insurance Quotes in Edcouch

Why you can trust Way?

How Much Is Car Insurance in Edcouch

Avg. Car Insurance in Edcouch

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Edcouch

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Edcouch Car Insurance Rates by Company

Cheap Car Insurance Companies in Edcouch, TX

Way's key takeaways about car insurance in Edcouch

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Edcouch

Cheapest Liability Coverage in Edcouch, TX

Cheapest Full Coverage Car Insurance in Edcouch

Cheapest Full Coverage Car Insurance Quotes in Edcouch, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Edcouch by Rating Factor

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

Car Insurance Premiums by Age in Edcouch

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Edcouch,TX

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

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 Edcouch

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

Edcouch Car Insurance Rates by Violation

Edcouch auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Edcouch after a DUI

Edcouch car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Edcouch after Speeding ticket

Car Insurance Price Trends in Edcouch, Texas

Average Car Insurance Cost in Edcouch by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Edcouch, TX

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

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