Cheapest Car Insurance Quotes in Fort Hancock

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Fort Hancock Car Insurance

^$ 37

/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 Fort Hancock

The car insurance rate in Fort Hancock is $911 for a six-month policy, which is $136 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $579, making it a popular choice for budget-conscious drivers. Rates in Fort Hancock 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 Fort Hancock

$911

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Fort Hancock

1st place: Texas Farm Bureau

At $579 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 $687 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 $708 for six months, making it the third cheapest auto insurance company in Fort Hancock.

Fort Hancock Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Hancock, TX is Texas Farm Bureau, offering policies at just $579 for a six-month term. This is followed by Mercury, which has an average six-month premium of $687.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $987 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Hancock drivers find the best deals.

Cheap Car Insurance Companies in Fort Hancock, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$579	$97
Mercury	$687	$117
State Farm	$708	$119
AAA Texas	$719	$122
USAA	$791	$133
Redpoint Insurance	$847	$144
Progressive	$977	$164
Southern County Mutual	$1121	$191
Allstate	$1334	$224
Farmers	$2134	$363
Redpoint County Mutual	$832	$142
Geico County Mutual	$930	$158
Germania	$372	$62
AAA	$651	$109
National General	$987	$164

Key Takeaways

Way's key takeaways about car insurance in Fort Hancock

The auto insurance costs in Fort Hancock fall around $579 for six months.
The cheapest auto insurance company in Fort Hancock is Texas Farm Bureau.
Teen drivers pay the highest rate in Fort Hancock at $64 per month.

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Cheapest Minimum Liability Car Insurance in Fort Hancock

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 Fort Hancock are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Fort Hancock. Their Average 6 Month Premium is $222. Germania is the most expensive at $372 for the same period.

Cheapest Liability Coverage in Fort Hancock, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$222	$37
USAA	$248	$42
Progressive	$258	$44
State Farm	$264	$44
Redpoint Insurance	$290	$48
Mercury	$336	$57
AAA Texas	$372	$62
Allstate	$512	$86
Farmers	$842	$140
Redpoint County Mutual	$279	$46
Geico County Mutual	$290	$50
National General	$320	$53
Germania	$372	$64

Cheapest Full Coverage Car Insurance in Fort Hancock

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 Fort Hancock is Texas Farm Bureau at $97 per month and $579 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Hancock, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$579	$97
Mercury	$687	$117
State Farm	$708	$119
AAA Texas	$719	$122
USAA	$791	$133
Redpoint Insurance	$847	$144
Progressive	$977	$164
Southern County Mutual	$1121	$191
Allstate	$1334	$224
Farmers	$2134	$363
Redpoint County Mutual	$832	$142
Geico County Mutual	$930	$158
Germania	$372	$62
AAA	$651	$109
National General	$987	$164

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Average Car Insurance in Fort Hancock 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 Fort Hancock, TX increasing?

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

Car Insurance Premiums by Age in Fort Hancock

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	$608
40s	Nationwide	$604
50s	Texas Farm Bureau	$539
60s	Texas Farm Bureau	$498
70s	Texas Farm Bureau	$534

Cheapest Car Insurance Rates for Teen Drivers in Fort Hancock,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Fort Hancock at $49 per month. At $383 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	$295	$49
Southern County Mutual	$383	$65
Mercury	$413	$69
AAA Texas	$471	$80
Texas Farm Bureau	$1028	$173
USAA	$1121	$189
State Farm	$1163	$196
Allstate	$2920	$492
Progressive	$4982	$839
Farmers	$6966	$1184
Redpoint County Mutual	$284	$49
Geico County Mutual	$383	$64

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Fort Hancock.

As young drivers face the highest rates in Fort Hancock, Texas Farm Bureau offers the cheapest auto insurance rates at $608 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 Fort Hancock, Mercury is the cheapest car insurance provider. At $450 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 Fort Hancock is State Farm, offering rates of around $3902 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$450	$77
Foremost	$538	$90
AAA Texas	$573	$97
Dairyland	$666	$111
Allstate	$873	$149
USAA	$894	$149
Texas Farm Bureau	$1007	$171
Progressive	$1395	$235
Farmers	$3535	$601
State Farm	$3902	$650

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Car Insurance Rates with An Accident in Fort Hancock

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Hancock

The cheapest car insurance companies after an at-fault accident in Fort Hancock include Redpoint Insurance and Southern County Mutual, offering $295 and $357, respectively. National General is an expensive provider with an average six-month premium of $501.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$295	$49
Southern County Mutual	$357	$61
State Farm	$548	$92
AAA Texas	$553	$94
Mercury	$672	$112
USAA	$821	$138
Texas Farm Bureau	$909	$153
Progressive	$1690	$284
Allstate	$1902	$320
Farmers	$5866	$997
Redpoint County Mutual	$284	$47
Geico County Mutual	$357	$61
National General	$501	$85

Fort Hancock Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Hancock TX. For example, the car insurance in Fort Hancock after a DUI increases to $682 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.

Fort Hancock auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1116	$186
One Med/PIP claim	$1127	$191
One comp claim	$1183	$197
Not-at-fault accident	$1194	$203
Two Med/PIP claims	$1199	$200
Failure to show documents	$1241	$211
Driving with expired registration	$1250	$209
Two comp claims	$1261	$214
Cell phone violation	$1271	$212
Driving without lights	$1271	$216
Texting while driving	$1271	$212
Driving too slowly	$1276	$217
Speeding 11 - 15 MPH over limit	$1276	$213
Speeding 16 - 20 MPH over limit	$1276	$217
Speeding 6 - 10 MPH over limit	$1276	$213
Speeding in school zone	$1276	$217
Child safety restraint	$1282	$214
Failure to wear a seat belt	$1282	$218
In 65 MPH zone	$1287	$215
Failure to stop at a red light	$1292	$220
Failure to yield	$1292	$216
Following too closely	$1292	$220
Illegal turn	$1292	$216
Improper passing	$1292	$220
Speeding 21 - 25 MPH over limit	$1292	$216
Passing school bus	$1297	$221
Wrong way/wrong lane	$1297	$216
Operating a vehicle without permission	$1302	$222
At-fault accident - less than $1000	$1354	$225
Open container	$1524	$259
Driving with a suspended license	$1582	$264
Racing	$1675	$284
Reckless driving	$1675	$279
Leaving scene of an accident/hit and run	$1716	$291
At-fault accident - $1000-$2000	$1721	$287
Refusal to submit to a chemical test	$1772	$301
DUI	$1798	$300
At-fault accident - greater than $2000	$1871	$318

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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 Fort Hancock 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 Fort Hancock.

The cheapest car insurance premiums in Fort Hancock are offered by Mercury at $445 for a six-month policy. However, it can be as expensive as $2693 with companies like Farmers.

Fort Hancock car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$445	$74
Foremost	$501	$85
Dairyland	$548	$91
AAA Texas	$579	$98
State Farm	$724	$122
Texas Farm Bureau	$858	$146
Progressive	$1085	$183
USAA	$1111	$187
Allstate	$1416	$238
Nationwide	$1462	$249
Farmers	$2693	$449

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 Fort Hancock are offered by State Farm at $403. However, it can be as expensive as $2930 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fort Hancock after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$403	$68
Texas Farm Bureau	$445	$76
Mercury	$460	$77
AAA Texas	$491	$84
USAA	$646	$108
Allstate	$873	$149
Progressive	$1504	$251
Farmers	$2930	$499

Car Insurance Price Trends in Fort Hancock, Texas

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

The average cost of full coverage in the Fort Hancock remained steady at $180 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Fort Hancock rose to $56 in December, compared to $54 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Fort Hancock?

The car insurance in Fort Hancock is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Hancock?

The cheapest car insurance in Fort Hancock is $97 per month for full coverage.

How much is car insurance in Fort Hancock for teenagers?

Car insurance for teenagers costs $295 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 Fort Hancock?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $154 per month to insure your car in Fort Hancock.

Is car insurance expensive in Fort Hancock?

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

Cheapest Car Insurance Quotes in Fort Hancock

Why you can trust Way?

How Much Is Car Insurance in Fort Hancock

Avg. Car Insurance in Fort Hancock

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Fort Hancock

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Fort Hancock Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Hancock, TX

Way's key takeaways about car insurance in Fort Hancock

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Hancock

Cheapest Liability Coverage in Fort Hancock, TX

Cheapest Full Coverage Car Insurance in Fort Hancock

Cheapest Full Coverage Car Insurance Quotes in Fort Hancock, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Hancock by Rating Factor

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

Car Insurance Premiums by Age in Fort Hancock

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Hancock,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Fort Hancock.

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 Fort Hancock

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Hancock

Fort Hancock Car Insurance Rates by Violation

Fort Hancock auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Hancock after a DUI

Fort Hancock car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Hancock after Speeding ticket

Car Insurance Price Trends in Fort Hancock, Texas

Average Car Insurance Cost in Fort Hancock by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Hancock, TX

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

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