Cheapest Car Insurance Quotes in Gun Barrel City

Finding the cheapest car insurance quotes in Gun Barrel City 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Gun Barrel City Car Insurance

^$ 46

/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 Gun Barrel City

The car insurance rate in Gun Barrel City is $1139 for a six-month policy, which is $99 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $727, making it a popular choice for budget-conscious drivers. Rates in Gun Barrel City 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 Gun Barrel City

$1139

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Gun Barrel City

1st place: Mercury

At $727 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 $754 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 $760 for six months, making it the third cheapest auto insurance company in Gun Barrel City.

Gun Barrel City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gun Barrel City, TX is Mercury, offering policies at just $727 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $754.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $983 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gun Barrel City drivers find the best deals.

Cheap Car Insurance Companies in Gun Barrel City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$727	$121
Texas Farm Bureau	$754	$128
AAA Texas	$760	$127
State Farm	$787	$132
USAA	$858	$144
Redpoint Insurance	$896	$153
AAA	$1104	$184
Progressive	$1147	$193
Southern County Mutual	$1186	$198
Allstate	$2470	$416
Farmers	$2257	$384
Redpoint County Mutual	$880	$150
Geico County Mutual	$983	$167

Key Takeaways

Way's key takeaways about car insurance in Gun Barrel City

The auto insurance costs in Gun Barrel City fall around $727 for six months.
The cheapest auto insurance company in Gun Barrel City is USAA.
Teen drivers pay the highest rate in Gun Barrel City at $67 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Gun Barrel City

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 Gun Barrel City are given below.

USAA provides the cheapest minimum car insurance coverage in Gun Barrel City. Their Average 6 Month Premium is $273. Geico County Mutual is the most expensive at $306 for the same period.

Cheapest Liability Coverage in Gun Barrel City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$273	$46
Texas Farm Bureau	$284	$49
State Farm	$295	$50
Redpoint Insurance	$306	$52
Mercury	$355	$60
AAA	$394	$67
AAA Texas	$394	$65
Progressive	$405	$68
Allstate	$853	$144
Farmers	$891	$148
Redpoint County Mutual	$295	$49
Geico County Mutual	$306	$52

Cheapest Full Coverage Car Insurance in Gun Barrel City

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 Gun Barrel City is Mercury at $121 per month and $727 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gun Barrel City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$727	$121
Texas Farm Bureau	$754	$128
AAA Texas	$760	$127
State Farm	$787	$132
USAA	$858	$144
Redpoint Insurance	$896	$153
AAA	$1104	$184
Progressive	$1147	$193
Southern County Mutual	$1186	$198
Allstate	$2470	$416
Farmers	$2257	$384
Redpoint County Mutual	$880	$150
Geico County Mutual	$983	$167

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Gun Barrel City Instantly!

Average Car Insurance in Gun Barrel City 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 Gun Barrel City, TX increasing?

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

Car Insurance Premiums by Age in Gun Barrel City

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Gun Barrel City,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Gun Barrel City at $53 per month. At $405 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	$312	$53
Southern County Mutual	$405	$67
Mercury	$437	$75
AAA Texas	$498	$83
USAA	$1251	$211
State Farm	$1333	$224
Texas Farm Bureau	$1399	$238
AAA	$2295	$383
Allstate	$4203	$707
Progressive	$5859	$986
Farmers	$7366	$1252
Redpoint County Mutual	$301	$52
Geico County Mutual	$405	$67

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 Gun Barrel City, Mercury is the cheapest car insurance provider. At $476 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 Gun Barrel City is Farmers, offering rates of around $3738 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$476	$79
Foremost	$569	$97
AAA Texas	$606	$101
Dairyland	$705	$120
USAA	$1060	$177
Progressive	$1519	$256
AAA	$1842	$307
Allstate	$4333	$737
State Farm	$5656	$943
Texas Farm Bureau	$1065	$181
Farmers	$3738	$636

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Gun Barrel City.

Car Insurance Rates with An Accident in Gun Barrel City

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 Gun Barrel City, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Gun Barrel City

The cheapest car insurance companies after an at-fault accident in Gun Barrel City include Redpoint Insurance and Southern County Mutual, offering $312 and $377, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $377.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$312	$52
Southern County Mutual	$377	$64
AAA Texas	$585	$98
State Farm	$628	$106
Mercury	$710	$119
USAA	$907	$153
Texas Farm Bureau	$1180	$197
AAA	$1874	$318
Progressive	$2006	$338
Allstate	$3907	$658
Farmers	$6203	$1054
Redpoint County Mutual	$301	$50
Geico County Mutual	$377	$64

Gun Barrel City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gun Barrel City TX. For example, the car insurance in Gun Barrel City after a DUI increases to $722 for a six month policy. While the rate increases by $170 for a six-month policy in the case of a speeding ticket.

Gun Barrel City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1180	$197
One Med/PIP claim	$1191	$202
One comp claim	$1251	$209
Not-at-fault accident	$1262	$214
Two Med/PIP claims	$1268	$212
Failure to show documents	$1312	$223
Driving with expired registration	$1322	$221
Two comp claims	$1333	$226
Cell phone violation	$1344	$224
Driving without lights	$1344	$228
Texting while driving	$1344	$224
Driving too slowly	$1350	$229
Speeding 11 - 15 MPH over limit	$1350	$225
Speeding 16 - 20 MPH over limit	$1350	$229
Speeding 6 - 10 MPH over limit	$1350	$225
Speeding in school zone	$1350	$229
Child safety restraint	$1355	$226
Failure to wear a seat belt	$1355	$230
In 65 MPH zone	$1361	$227
Failure to stop at a red light	$1366	$233
Failure to yield	$1366	$228
Following too closely	$1366	$233
Illegal turn	$1366	$228
Improper passing	$1366	$233
Speeding 21 - 25 MPH over limit	$1366	$228
Passing school bus	$1372	$234
Wrong way/wrong lane	$1372	$228
Operating a vehicle without permission	$1377	$235
At-fault accident - less than $1000	$1432	$238
Open container	$1612	$274
Driving with a suspended license	$1673	$279
Racing	$1771	$301
Reckless driving	$1771	$295
Leaving scene of an accident/hit and run	$1814	$308
At-fault accident - $1000-$2000	$1820	$304
Refusal to submit to a chemical test	$1874	$318
DUI	$1902	$317
At-fault accident - greater than $2000	$1978	$337

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Gun Barrel City 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 Gun Barrel City.

The cheapest car insurance premiums in Gun Barrel City are offered by Mercury at $470 for a six-month policy. However, it can be as expensive as $2847 with companies like Farmers.

Gun Barrel City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$470	$78
Foremost	$530	$90
Dairyland	$580	$97
AAA Texas	$612	$104
State Farm	$803	$135
USAA	$1251	$211
Progressive	$1279	$215
Nationwide	$1547	$263
AAA	$2836	$473
Allstate	$3230	$544
Texas Farm Bureau	$907	$155
Farmers	$2847	$475

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 Gun Barrel City are offered by Mercury at $487. However, it can be as expensive as $3099 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Gun Barrel City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$487	$81
State Farm	$502	$85
AAA Texas	$519	$86
USAA	$771	$131
AAA	$1874	$313
Progressive	$2000	$340
Allstate	$3039	$506
Texas Farm Bureau	$470	$80
Farmers	$3099	$527

Car Insurance Price Trends in Gun Barrel City, Texas

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

The average cost of full coverage in the Gun Barrel City rose by $199 in January compared to $190 of December. In other words, there has been an increase by $9 when you compare January and December.

The average cost of liability insurance in the Gun Barrel City rose to $64 in January, compared to $59 in December. This represents an increase of $5 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Gun Barrel City?

The car insurance in Gun Barrel City is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Gun Barrel City?

The cheapest car insurance in Gun Barrel City is $121 per month for full coverage.

How much is car insurance in Gun Barrel City for teenagers?

Car insurance for teenagers costs $312 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 Gun Barrel City?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $191 per month to insure your car in Gun Barrel City.

Is car insurance expensive in Gun Barrel City?

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

Cheapest Car Insurance Quotes in Gun Barrel City

Why you can trust Way?

How Much Is Car Insurance in Gun Barrel City

Avg. Car Insurance in Gun Barrel City

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Gun Barrel City

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Gun Barrel City Car Insurance Rates by Company

Cheap Car Insurance Companies in Gun Barrel City, TX

Way's key takeaways about car insurance in Gun Barrel City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gun Barrel City

Cheapest Liability Coverage in Gun Barrel City, TX

Cheapest Full Coverage Car Insurance in Gun Barrel City

Cheapest Full Coverage Car Insurance Quotes in Gun Barrel City, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gun Barrel City by Rating Factor

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

Car Insurance Premiums by Age in Gun Barrel City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gun Barrel City,TX

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

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 Gun Barrel City

Cheapest Car Insurance Companies after an At-Fault Accident in Gun Barrel City

Gun Barrel City Car Insurance Rates by Violation

Gun Barrel City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gun Barrel City after a DUI

Gun Barrel City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gun Barrel City after Speeding ticket

Car Insurance Price Trends in Gun Barrel City, Texas

Average Car Insurance Cost in Gun Barrel City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gun Barrel City, TX

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

Featured Blogs

Data Sources