Cheapest Car Insurance Quotes in Groves

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Groves 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 Groves

The car insurance rate in Groves is $1216 for a six-month policy, which is $100 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $725, making it a popular choice for budget-conscious drivers. Rates in Groves 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 Groves

$1216

Avg. Car Insurance in Texas

$1116

National Average

$1140

Cheapest Car Insurance Companies in Groves

1st place: Texas Farm Bureau

At $725 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 $861 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 $887 for six months, making it the third cheapest auto insurance company in Groves.

Groves Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Groves, TX is Texas Farm Bureau, offering policies at just $725 for a six-month term. This is followed by Mercury, which has an average six-month premium of $861.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1165 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Groves drivers find the best deals.

Cheap Car Insurance Companies in Groves, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$725	$122
Mercury	$861	$146
State Farm	$887	$149
AAA Texas	$900	$153
USAA	$991	$167
Redpoint Insurance	$1062	$181
Progressive	$1224	$206
Southern County Mutual	$1405	$239
Allstate	$1671	$281
Farmers	$2674	$455
Redpoint County Mutual	$1042	$178
Geico County Mutual	$1165	$198

Key Takeaways

Way's key takeaways about car insurance in Groves

The auto insurance costs in Groves fall around $725 for six months.
The cheapest auto insurance company in Groves is Texas Farm Bureau.
Teen drivers pay the highest rate in Groves at $80 per month.

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Cheapest Minimum Liability Car Insurance in Groves

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 Groves are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Groves. Their Average 6 Month Premium is $278. Geico County Mutual is the most expensive at $363 for the same period.

Cheapest Liability Coverage in Groves, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$278	$47
USAA	$311	$52
Progressive	$324	$55
State Farm	$330	$56
Redpoint Insurance	$363	$60
Mercury	$421	$71
AAA Texas	$467	$77
Allstate	$641	$108
Farmers	$1055	$175
Redpoint County Mutual	$350	$58
Geico County Mutual	$363	$62

Cheapest Full Coverage Car Insurance in Groves

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 Groves is Texas Farm Bureau at $122 per month and $725 for six months.

Cheapest Full Coverage Car Insurance Quotes in Groves, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$725	$122
Mercury	$861	$146
State Farm	$887	$149
AAA Texas	$900	$153
USAA	$991	$167
Redpoint Insurance	$1062	$181
Progressive	$1224	$206
Southern County Mutual	$1405	$239
Allstate	$1671	$281
Farmers	$2674	$455
Redpoint County Mutual	$1042	$178
Geico County Mutual	$1165	$198

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Average Car Insurance in Groves 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 Groves, TX increasing?

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

Car Insurance Premiums by Age in Groves

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	$762
40s	Nationwide	$756
50s	Texas Farm Bureau	$675
60s	Texas Farm Bureau	$623
70s	Texas Farm Bureau	$669

Cheapest Car Insurance Rates for Teen Drivers in Groves,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Groves at $61 per month. At $480 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	$370	$61
Southern County Mutual	$480	$82
Mercury	$518	$86
AAA Texas	$590	$100
Texas Farm Bureau	$1288	$217
USAA	$1405	$237
State Farm	$1457	$245
Allstate	$3658	$616
Progressive	$6241	$1051
Farmers	$8728	$1483
Redpoint County Mutual	$356	$61
Geico County Mutual	$480	$80

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 Groves.

As young drivers face the highest rates in Groves, Texas Farm Bureau offers the cheapest auto insurance rates at $762 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 Groves, Mercury is the cheapest car insurance provider. At $564 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 Groves is State Farm, offering rates of around $4889 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$564	$96
Foremost	$674	$112
AAA Texas	$718	$122
Dairyland	$835	$140
Allstate	$1094	$186
USAA	$1121	$186
Texas Farm Bureau	$1262	$215
Progressive	$1748	$294
Farmers	$4429	$753
State Farm	$4889	$814

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Car Insurance Rates with An Accident in Groves

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

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

The cheapest car insurance companies after an at-fault accident in Groves include Redpoint Insurance and Southern County Mutual, offering $370 and $447, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $447.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$370	$61
Southern County Mutual	$447	$76
State Farm	$687	$116
AAA Texas	$693	$118
Mercury	$841	$141
USAA	$1029	$173
Texas Farm Bureau	$1139	$192
Progressive	$2117	$356
Allstate	$2383	$401
Farmers	$7349	$1249
Redpoint County Mutual	$356	$59
Geico County Mutual	$447	$76

Groves Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Groves TX. For example, the car insurance in Groves after a DUI increases to $855 for a six month policy. While the rate increases by $201 for a six-month policy in the case of a speeding ticket.

Groves auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1398	$233
One Med/PIP claim	$1412	$240
One comp claim	$1482	$247
Not-at-fault accident	$1495	$254
Two Med/PIP claims	$1502	$251
Failure to show documents	$1554	$264
Driving with expired registration	$1566	$262
Two comp claims	$1579	$268
Cell phone violation	$1592	$266
Driving without lights	$1592	$270
Texting while driving	$1592	$266
Driving too slowly	$1599	$271
Speeding 11 - 15 MPH over limit	$1599	$267
Speeding 16 - 20 MPH over limit	$1599	$271
Speeding 6 - 10 MPH over limit	$1599	$267
Speeding in school zone	$1599	$271
Child safety restraint	$1606	$268
Failure to wear a seat belt	$1606	$273
In 65 MPH zone	$1612	$269
Failure to stop at a red light	$1619	$276
Failure to yield	$1619	$270
Following too closely	$1619	$276
Illegal turn	$1619	$270
Improper passing	$1619	$276
Speeding 21 - 25 MPH over limit	$1619	$270
Passing school bus	$1625	$277
Wrong way/wrong lane	$1625	$270
Operating a vehicle without permission	$1632	$278
At-fault accident - less than $1000	$1696	$282
Open container	$1910	$325
Driving with a suspended license	$1982	$330
Racing	$2098	$356
Reckless driving	$2098	$350
Leaving scene of an accident/hit and run	$2149	$365
At-fault accident - $1000-$2000	$2156	$360
Refusal to submit to a chemical test	$2220	$377
DUI	$2253	$376
At-fault accident - greater than $2000	$2344	$399

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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 Groves 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 Groves.

The cheapest car insurance premiums in Groves are offered by Mercury at $557 for a six-month policy. However, it can be as expensive as $3374 with companies like Farmers.

Groves car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$557	$93
Foremost	$628	$107
Dairyland	$687	$114
AAA Texas	$725	$123
State Farm	$907	$153
Texas Farm Bureau	$1075	$183
Progressive	$1359	$229
USAA	$1392	$234
Allstate	$1775	$299
Nationwide	$1832	$312
Farmers	$3374	$562

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 Groves are offered by State Farm at $505. However, it can be as expensive as $3671 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Groves after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$505	$85
Texas Farm Bureau	$557	$95
Mercury	$577	$96
AAA Texas	$615	$105
USAA	$810	$135
Allstate	$1094	$186
Progressive	$1885	$314
Farmers	$3671	$625

Car Insurance Price Trends in Groves, Texas

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

The average cost of full coverage in the Groves remained steady at $226 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Groves remained steady at $70 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Groves?

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

What is the cheapest car insurance in Groves?

The cheapest car insurance in Groves is $122 per month for full coverage.

How much is car insurance in Groves for teenagers?

Car insurance for teenagers costs $370 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 Groves?

The average cost of car insurance is $1116 for a six-month policy. It will cost around $206 per month to insure your car in Groves.

Is car insurance expensive in Groves?

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

Cheapest Car Insurance Quotes in Groves

Why you can trust Way?

How Much Is Car Insurance in Groves

Avg. Car Insurance in Groves

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Groves

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Groves Car Insurance Rates by Company

Cheap Car Insurance Companies in Groves, TX

Way's key takeaways about car insurance in Groves

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Groves

Cheapest Liability Coverage in Groves, TX

Cheapest Full Coverage Car Insurance in Groves

Cheapest Full Coverage Car Insurance Quotes in Groves, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Groves by Rating Factor

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

Car Insurance Premiums by Age in Groves

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Groves,TX

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

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 Groves

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

Groves Car Insurance Rates by Violation

Groves auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Groves after a DUI

Groves car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Groves after Speeding ticket

Car Insurance Price Trends in Groves, Texas

Average Car Insurance Cost in Groves by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Groves, TX

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

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