Cheapest Car Insurance Quotes in Hedwig Village

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Hedwig Village Car Insurance

^$ 52

/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 Hedwig Village

The car insurance rate in Hedwig Village is $1362 for a six-month policy, which is $246 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $811, making it a popular choice for budget-conscious drivers. Rates in Hedwig Village 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 Hedwig Village

$1362

Avg. Car Insurance in Texas

$1116

National Average

$1140

Cheapest Car Insurance Companies in Hedwig Village

1st place: Texas Farm Bureau

At $811 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 $964 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 $993 for six months, making it the third cheapest auto insurance company in Hedwig Village.

Hedwig Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hedwig Village, TX is Texas Farm Bureau, offering policies at just $811 for a six-month term. This is followed by Mercury, which has an average six-month premium of $964.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1304 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hedwig Village drivers find the best deals.

Cheap Car Insurance Companies in Hedwig Village, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$811	$137
Mercury	$964	$163
State Farm	$993	$167
AAA Texas	$1008	$171
USAA	$1109	$187
Redpoint Insurance	$1188	$203
Progressive	$1370	$231
Southern County Mutual	$1573	$267
Allstate	$1870	$315
Farmers	$2993	$509
Redpoint County Mutual	$1166	$199
Geico County Mutual	$1304	$222

Key Takeaways

Way's key takeaways about car insurance in Hedwig Village

The auto insurance costs in Hedwig Village fall around $811 for six months.
The cheapest auto insurance company in Hedwig Village is Texas Farm Bureau.
Teen drivers pay the highest rate in Hedwig Village at $89 per month.

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Cheapest Minimum Liability Car Insurance in Hedwig Village

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 Hedwig Village are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Hedwig Village. Their Average 6 Month Premium is $311. Geico County Mutual is the most expensive at $406 for the same period.

Cheapest Liability Coverage in Hedwig Village, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$311	$52
USAA	$348	$59
Progressive	$362	$61
State Farm	$370	$62
Redpoint Insurance	$406	$67
Mercury	$471	$79
AAA Texas	$522	$87
Allstate	$717	$121
Farmers	$1181	$196
Redpoint County Mutual	$392	$65
Geico County Mutual	$406	$70

Cheapest Full Coverage Car Insurance in Hedwig Village

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 Hedwig Village is Texas Farm Bureau at $137 per month and $811 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hedwig Village, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$811	$137
Mercury	$964	$163
State Farm	$993	$167
AAA Texas	$1008	$171
USAA	$1109	$187
Redpoint Insurance	$1188	$203
Progressive	$1370	$231
Southern County Mutual	$1573	$267
Allstate	$1870	$315
Farmers	$2993	$509
Redpoint County Mutual	$1166	$199
Geico County Mutual	$1304	$222

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Average Car Insurance in Hedwig Village 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 Hedwig Village, TX increasing?

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

Car Insurance Premiums by Age in Hedwig Village

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	$853
40s	Nationwide	$847
50s	Texas Farm Bureau	$755
60s	Texas Farm Bureau	$698
70s	Texas Farm Bureau	$749

Cheapest Car Insurance Rates for Teen Drivers in Hedwig Village,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Hedwig Village at $68 per month. At $537 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	$414	$68
Southern County Mutual	$537	$92
Mercury	$580	$96
AAA Texas	$660	$112
Texas Farm Bureau	$1442	$243
USAA	$1573	$265
State Farm	$1631	$275
Allstate	$4094	$689
Progressive	$6986	$1176
Farmers	$9769	$1660
Redpoint County Mutual	$399	$68
Geico County Mutual	$537	$89

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 Hedwig Village.

As young drivers face the highest rates in Hedwig Village, Texas Farm Bureau offers the cheapest auto insurance rates at $853 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 Hedwig Village, Mercury is the cheapest car insurance provider. At $631 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 Hedwig Village is State Farm, offering rates of around $5472 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$631	$107
Foremost	$754	$126
AAA Texas	$804	$137
Dairyland	$935	$156
Allstate	$1225	$209
USAA	$1254	$209
Texas Farm Bureau	$1413	$240
Progressive	$1957	$329
Farmers	$4957	$843
State Farm	$5472	$911

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Save up to $971/yr on car insurance rates in Hedwig Village.

Car Insurance Rates with An Accident in Hedwig Village

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hedwig Village

The cheapest car insurance companies after an at-fault accident in Hedwig Village include Redpoint Insurance and Southern County Mutual, offering $414 and $500, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $500.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$414	$68
Southern County Mutual	$500	$85
State Farm	$769	$129
AAA Texas	$776	$132
Mercury	$942	$157
USAA	$1152	$194
Texas Farm Bureau	$1275	$215
Progressive	$2369	$399
Allstate	$2667	$449
Farmers	$8225	$1398
Redpoint County Mutual	$399	$66
Geico County Mutual	$500	$85

Hedwig Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hedwig Village TX. For example, the car insurance in Hedwig Village after a DUI increases to $957 for a six month policy. While the rate increases by $225 for a six-month policy in the case of a speeding ticket.

Hedwig Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1565	$261
One Med/PIP claim	$1580	$268
One comp claim	$1659	$277
Not-at-fault accident	$1674	$284
Two Med/PIP claims	$1681	$281
Failure to show documents	$1740	$295
Driving with expired registration	$1753	$293
Two comp claims	$1768	$300
Cell phone violation	$1782	$298
Driving without lights	$1782	$303
Texting while driving	$1782	$298
Driving too slowly	$1790	$304
Speeding 11 - 15 MPH over limit	$1790	$299
Speeding 16 - 20 MPH over limit	$1790	$304
Speeding 6 - 10 MPH over limit	$1790	$299
Speeding in school zone	$1790	$304
Child safety restraint	$1797	$300
Failure to wear a seat belt	$1797	$305
In 65 MPH zone	$1804	$301
Failure to stop at a red light	$1812	$309
Failure to yield	$1812	$303
Following too closely	$1812	$309
Illegal turn	$1812	$303
Improper passing	$1812	$309
Speeding 21 - 25 MPH over limit	$1812	$303
Passing school bus	$1819	$310
Wrong way/wrong lane	$1819	$303
Operating a vehicle without permission	$1826	$311
At-fault accident - less than $1000	$1898	$316
Open container	$2137	$364
Driving with a suspended license	$2218	$370
Racing	$2349	$399
Reckless driving	$2349	$392
Leaving scene of an accident/hit and run	$2406	$409
At-fault accident - $1000-$2000	$2413	$403
Refusal to submit to a chemical test	$2485	$422
DUI	$2522	$421
At-fault accident - greater than $2000	$2623	$447

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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 Hedwig Village 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 Hedwig Village.

The cheapest car insurance premiums in Hedwig Village are offered by Mercury at $623 for a six-month policy. However, it can be as expensive as $3776 with companies like Farmers.

Hedwig Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$623	$104
Foremost	$703	$120
Dairyland	$769	$128
AAA Texas	$811	$138
State Farm	$1015	$171
Texas Farm Bureau	$1203	$205
Progressive	$1521	$256
USAA	$1558	$262
Allstate	$1986	$334
Nationwide	$2051	$349
Farmers	$3776	$630

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 Hedwig Village are offered by State Farm at $565. However, it can be as expensive as $4109 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hedwig Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$565	$95
Texas Farm Bureau	$623	$106
Mercury	$645	$107
AAA Texas	$688	$117
USAA	$906	$151
Allstate	$1225	$209
Progressive	$2109	$351
Farmers	$4109	$699

Car Insurance Price Trends in Hedwig Village, Texas

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

The average cost of full coverage in the Hedwig Village remained steady at $253 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Hedwig Village remained steady at $78 in both January and December, indicating no change over the two month period.

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Principal

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Frequently Asked Questions

How much is car insurance in Hedwig Village?

The car insurance in Hedwig Village is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Hedwig Village?

The cheapest car insurance in Hedwig Village is $137 per month for full coverage.

How much is car insurance in Hedwig Village for teenagers?

Car insurance for teenagers costs $414 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 Hedwig Village?

The average cost of car insurance is $1116 for a six-month policy. It will cost around $231 per month to insure your car in Hedwig Village.

Is car insurance expensive in Hedwig Village?

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

Cheapest Car Insurance Quotes in Hedwig Village

Why you can trust Way?

How Much Is Car Insurance in Hedwig Village

Avg. Car Insurance in Hedwig Village

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Hedwig Village

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Hedwig Village Car Insurance Rates by Company

Cheap Car Insurance Companies in Hedwig Village, TX

Way's key takeaways about car insurance in Hedwig Village

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hedwig Village

Cheapest Liability Coverage in Hedwig Village, TX

Cheapest Full Coverage Car Insurance in Hedwig Village

Cheapest Full Coverage Car Insurance Quotes in Hedwig Village, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hedwig Village by Rating Factor

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

Car Insurance Premiums by Age in Hedwig Village

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hedwig Village,TX

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

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 Hedwig Village

Cheapest Car Insurance Companies after an At-Fault Accident in Hedwig Village

Hedwig Village Car Insurance Rates by Violation

Hedwig Village auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hedwig Village after a DUI

Hedwig Village car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hedwig Village after Speeding ticket

Car Insurance Price Trends in Hedwig Village, Texas

Average Car Insurance Cost in Hedwig Village by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hedwig Village, TX

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

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