Cheapest Car Insurance Quotes in Electra

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406,175 Policies Sold

Electra Car Insurance

^$ 42

/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 Electra

The car insurance rate in Electra is $1040 for a six-month policy, which is $198 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $664, making it a popular choice for budget-conscious drivers. Rates in Electra 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 Electra

$1040

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Electra

1st place: Mercury

At $664 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 $689 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 $694 for six months, making it the third cheapest auto insurance company in Electra.

Electra Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Electra, TX is Mercury, offering policies at just $664 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $689.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $898 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Electra drivers find the best deals.

Cheap Car Insurance Companies in Electra, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$664	$111
Texas Farm Bureau	$689	$117
AAA Texas	$694	$116
State Farm	$718	$121
USAA	$784	$132
Redpoint Insurance	$818	$139
AAA	$1008	$168
Progressive	$1047	$176
Southern County Mutual	$1083	$181
Allstate	$2255	$380
Farmers	$2061	$350
Redpoint County Mutual	$803	$137
Geico County Mutual	$898	$153

Key Takeaways

Way's key takeaways about car insurance in Electra

The auto insurance costs in Electra fall around $664 for six months.
The cheapest auto insurance company in Electra is USAA.
Teen drivers pay the highest rate in Electra at $61 per month.

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Cheapest Minimum Liability Car Insurance in Electra

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 Electra are given below.

USAA provides the cheapest minimum car insurance coverage in Electra. Their Average 6 Month Premium is $249. Geico County Mutual is the most expensive at $280 for the same period.

Cheapest Liability Coverage in Electra, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$249	$42
Texas Farm Bureau	$260	$45
State Farm	$270	$45
Redpoint Insurance	$280	$48
Mercury	$324	$55
AAA	$360	$61
AAA Texas	$360	$60
Progressive	$370	$62
Allstate	$779	$131
Farmers	$813	$135
Redpoint County Mutual	$270	$45
Geico County Mutual	$280	$48

Cheapest Full Coverage Car Insurance in Electra

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 Electra is Mercury at $111 per month and $664 for six months.

Cheapest Full Coverage Car Insurance Quotes in Electra, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$664	$111
Texas Farm Bureau	$689	$117
AAA Texas	$694	$116
State Farm	$718	$121
USAA	$784	$132
Redpoint Insurance	$818	$139
AAA	$1008	$168
Progressive	$1047	$176
Southern County Mutual	$1083	$181
Allstate	$2255	$380
Farmers	$2061	$350
Redpoint County Mutual	$803	$137
Geico County Mutual	$898	$153

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Average Car Insurance in Electra 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 Electra, TX increasing?

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

Car Insurance Premiums by Age in Electra

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 Electra,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Electra at $49 per month. At $370 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	$285	$49
Southern County Mutual	$370	$61
Mercury	$399	$68
AAA Texas	$454	$76
USAA	$1142	$192
State Farm	$1217	$205
Texas Farm Bureau	$1278	$218
AAA	$2096	$349
Allstate	$3837	$646
Progressive	$5349	$900
Farmers	$6726	$1143
Redpoint County Mutual	$275	$47
Geico County Mutual	$370	$61

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 Electra, Mercury is the cheapest car insurance provider. At $434 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 Electra is Farmers, offering rates of around $3413 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$434	$72
Foremost	$519	$88
AAA Texas	$554	$92
Dairyland	$643	$109
USAA	$968	$161
Progressive	$1387	$234
AAA	$1682	$281
Allstate	$3956	$673
State Farm	$5164	$861
Texas Farm Bureau	$973	$165
Farmers	$3413	$580

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Car Insurance Rates with An Accident in Electra

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

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

The cheapest car insurance companies after an at-fault accident in Electra include Redpoint Insurance and Southern County Mutual, offering $285 and $344, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $344.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$285	$47
Southern County Mutual	$344	$59
AAA Texas	$534	$89
State Farm	$574	$97
Mercury	$648	$108
USAA	$828	$139
Texas Farm Bureau	$1078	$180
AAA	$1711	$291
Progressive	$1831	$308
Allstate	$3567	$601
Farmers	$5663	$963
Redpoint County Mutual	$275	$45
Geico County Mutual	$344	$59

Electra Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Electra TX. For example, the car insurance in Electra after a DUI increases to $658 for a six month policy. While the rate increases by $154 for a six-month policy in the case of a speeding ticket.

Electra auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1078	$180
One Med/PIP claim	$1088	$185
One comp claim	$1142	$191
Not-at-fault accident	$1152	$196
Two Med/PIP claims	$1158	$193
Failure to show documents	$1198	$203
Driving with expired registration	$1207	$202
Two comp claims	$1217	$207
Cell phone violation	$1227	$205
Driving without lights	$1227	$208
Texting while driving	$1227	$205
Driving too slowly	$1232	$209
Speeding 11 - 15 MPH over limit	$1232	$206
Speeding 16 - 20 MPH over limit	$1232	$209
Speeding 6 - 10 MPH over limit	$1232	$206
Speeding in school zone	$1232	$209
Child safety restraint	$1237	$207
Failure to wear a seat belt	$1237	$210
In 65 MPH zone	$1242	$207
Failure to stop at a red light	$1247	$213
Failure to yield	$1247	$208
Following too closely	$1247	$213
Illegal turn	$1247	$208
Improper passing	$1247	$213
Speeding 21 - 25 MPH over limit	$1247	$208
Passing school bus	$1252	$213
Wrong way/wrong lane	$1252	$208
Operating a vehicle without permission	$1257	$214
At-fault accident - less than $1000	$1307	$218
Open container	$1472	$250
Driving with a suspended license	$1527	$255
Racing	$1617	$275
Reckless driving	$1617	$270
Leaving scene of an accident/hit and run	$1656	$281
At-fault accident - $1000-$2000	$1662	$277
Refusal to submit to a chemical test	$1711	$291
DUI	$1736	$290
At-fault accident - greater than $2000	$1806	$307

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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 Electra 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 Electra.

The cheapest car insurance premiums in Electra are offered by Mercury at $429 for a six-month policy. However, it can be as expensive as $2600 with companies like Farmers.

Electra car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$429	$71
Foremost	$484	$82
Dairyland	$529	$88
AAA Texas	$559	$95
State Farm	$733	$123
USAA	$1142	$192
Progressive	$1168	$197
Nationwide	$1412	$240
AAA	$2590	$432
Allstate	$2949	$496
Texas Farm Bureau	$828	$141
Farmers	$2600	$433

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 Electra are offered by Mercury at $444. However, it can be as expensive as $2829 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Electra after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$444	$74
State Farm	$459	$77
AAA Texas	$474	$79
USAA	$704	$119
AAA	$1711	$286
Progressive	$1826	$311
Allstate	$2775	$462
Texas Farm Bureau	$429	$73
Farmers	$2829	$481

Car Insurance Price Trends in Electra, Texas

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

The average cost of full coverage in the Electra rose by $181 in January compared to $174 of December. In other words, there has been an increase by $7 when you compare January and December.

The average cost of liability insurance in the Electra rose to $59 in January, compared to $54 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Electra?

The car insurance in Electra is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Electra?

The cheapest car insurance in Electra is $111 per month for full coverage.

How much is car insurance in Electra for teenagers?

Car insurance for teenagers costs $285 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 Electra?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $175 per month to insure your car in Electra.

Is car insurance expensive in Electra?

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

Cheapest Car Insurance Quotes in Electra

Why you can trust Way?

How Much Is Car Insurance in Electra

Avg. Car Insurance in Electra

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Electra

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Electra Car Insurance Rates by Company

Cheap Car Insurance Companies in Electra, TX

Way's key takeaways about car insurance in Electra

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Electra

Cheapest Liability Coverage in Electra, TX

Cheapest Full Coverage Car Insurance in Electra

Cheapest Full Coverage Car Insurance Quotes in Electra, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Electra by Rating Factor

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

Car Insurance Premiums by Age in Electra

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Electra,TX

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

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 Electra

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

Electra Car Insurance Rates by Violation

Electra auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Electra after a DUI

Electra car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Electra after Speeding ticket

Car Insurance Price Trends in Electra, Texas

Average Car Insurance Cost in Electra by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Electra, TX

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

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