Cheapest Car Insurance Quotes in Hillsboro

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Hillsboro Car Insurance

^$ 43

/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 Hillsboro

The car insurance rate in Hillsboro is $1052 for a six-month policy, which is $186 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $672, making it a popular choice for budget-conscious drivers. Rates in Hillsboro 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 Hillsboro

$1052

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Hillsboro

1st place: Mercury

At $672 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 $697 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 $702 for six months, making it the third cheapest auto insurance company in Hillsboro.

Hillsboro Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hillsboro, TX is Mercury, offering policies at just $672 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $697.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $909 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hillsboro drivers find the best deals.

Cheap Car Insurance Companies in Hillsboro, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$672	$112
Texas Farm Bureau	$697	$118
AAA Texas	$702	$117
State Farm	$727	$122
USAA	$793	$133
Redpoint Insurance	$828	$141
AAA	$1020	$170
Progressive	$1060	$179
Southern County Mutual	$1096	$183
Allstate	$2282	$384
Farmers	$2085	$354
Redpoint County Mutual	$813	$139
Geico County Mutual	$909	$155

Key Takeaways

Way's key takeaways about car insurance in Hillsboro

The auto insurance costs in Hillsboro fall around $672 for six months.
The cheapest auto insurance company in Hillsboro is USAA.
Teen drivers pay the highest rate in Hillsboro at $62 per month.

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

Cheapest Minimum Liability Car Insurance in Hillsboro

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 Hillsboro are given below.

USAA provides the cheapest minimum car insurance coverage in Hillsboro. Their Average 6 Month Premium is $252. Geico County Mutual is the most expensive at $283 for the same period.

Cheapest Liability Coverage in Hillsboro, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$252	$43
Texas Farm Bureau	$263	$45
State Farm	$273	$46
Redpoint Insurance	$283	$48
Mercury	$328	$55
AAA	$364	$62
AAA Texas	$364	$60
Progressive	$374	$63
Allstate	$788	$133
Farmers	$823	$137
Redpoint County Mutual	$273	$45
Geico County Mutual	$283	$48

Cheapest Full Coverage Car Insurance in Hillsboro

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 Hillsboro is Mercury at $112 per month and $672 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hillsboro, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$672	$112
Texas Farm Bureau	$697	$118
AAA Texas	$702	$117
State Farm	$727	$122
USAA	$793	$133
Redpoint Insurance	$828	$141
AAA	$1020	$170
Progressive	$1060	$179
Southern County Mutual	$1096	$183
Allstate	$2282	$384
Farmers	$2085	$354
Redpoint County Mutual	$813	$139
Geico County Mutual	$909	$155

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Average Car Insurance in Hillsboro 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 Hillsboro, TX increasing?

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

Car Insurance Premiums by Age in Hillsboro

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 Hillsboro,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Hillsboro at $49 per month. At $374 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	$288	$49
Southern County Mutual	$374	$62
Mercury	$404	$69
AAA Texas	$460	$77
USAA	$1156	$195
State Farm	$1232	$207
Texas Farm Bureau	$1293	$220
AAA	$2121	$354
Allstate	$3883	$654
Progressive	$5413	$911
Farmers	$6806	$1157
Redpoint County Mutual	$278	$48
Geico County Mutual	$374	$62

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 Hillsboro, Mercury is the cheapest car insurance provider. At $439 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 Hillsboro is Farmers, offering rates of around $3454 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$439	$73
Foremost	$525	$89
AAA Texas	$560	$94
Dairyland	$651	$111
USAA	$979	$163
Progressive	$1403	$236
AAA	$1702	$284
Allstate	$4004	$681
State Farm	$5226	$871
Texas Farm Bureau	$984	$167
Farmers	$3454	$587

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Car Insurance Rates with An Accident in Hillsboro

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

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

The cheapest car insurance companies after an at-fault accident in Hillsboro include Redpoint Insurance and Southern County Mutual, offering $288 and $349, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $349.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$288	$48
Southern County Mutual	$349	$60
AAA Texas	$541	$90
State Farm	$581	$98
Mercury	$656	$110
USAA	$838	$141
Texas Farm Bureau	$1091	$182
AAA	$1731	$294
Progressive	$1853	$312
Allstate	$3610	$608
Farmers	$5731	$974
Redpoint County Mutual	$278	$46
Geico County Mutual	$349	$60

Hillsboro Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hillsboro TX. For example, the car insurance in Hillsboro after a DUI increases to $666 for a six month policy. While the rate increases by $156 for a six-month policy in the case of a speeding ticket.

Hillsboro auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1091	$182
One Med/PIP claim	$1101	$187
One comp claim	$1156	$193
Not-at-fault accident	$1166	$198
Two Med/PIP claims	$1171	$196
Failure to show documents	$1212	$206
Driving with expired registration	$1221	$204
Two comp claims	$1232	$209
Cell phone violation	$1242	$207
Driving without lights	$1242	$211
Texting while driving	$1242	$207
Driving too slowly	$1247	$212
Speeding 11 - 15 MPH over limit	$1247	$208
Speeding 16 - 20 MPH over limit	$1247	$212
Speeding 6 - 10 MPH over limit	$1247	$208
Speeding in school zone	$1247	$212
Child safety restraint	$1252	$209
Failure to wear a seat belt	$1252	$213
In 65 MPH zone	$1257	$210
Failure to stop at a red light	$1262	$215
Failure to yield	$1262	$211
Following too closely	$1262	$215
Illegal turn	$1262	$211
Improper passing	$1262	$215
Speeding 21 - 25 MPH over limit	$1262	$211
Passing school bus	$1267	$216
Wrong way/wrong lane	$1267	$211
Operating a vehicle without permission	$1272	$217
At-fault accident - less than $1000	$1323	$220
Open container	$1489	$253
Driving with a suspended license	$1545	$258
Racing	$1636	$278
Reckless driving	$1636	$273
Leaving scene of an accident/hit and run	$1676	$285
At-fault accident - $1000-$2000	$1681	$281
Refusal to submit to a chemical test	$1731	$294
DUI	$1757	$293
At-fault accident - greater than $2000	$1828	$311

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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 Hillsboro 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 Hillsboro.

The cheapest car insurance premiums in Hillsboro are offered by Mercury at $434 for a six-month policy. However, it can be as expensive as $2631 with companies like Farmers.

Hillsboro car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$434	$72
Foremost	$490	$83
Dairyland	$536	$89
AAA Texas	$565	$96
State Farm	$742	$125
USAA	$1156	$195
Progressive	$1182	$199
Nationwide	$1429	$243
AAA	$2621	$437
Allstate	$2984	$502
Texas Farm Bureau	$838	$143
Farmers	$2631	$439

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 Hillsboro are offered by Mercury at $450. However, it can be as expensive as $2863 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hillsboro after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$450	$75
State Farm	$464	$78
AAA Texas	$479	$80
USAA	$712	$121
AAA	$1731	$289
Progressive	$1848	$315
Allstate	$2808	$468
Texas Farm Bureau	$434	$74
Farmers	$2863	$487

Car Insurance Price Trends in Hillsboro, Texas

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

The average cost of full coverage in the Hillsboro rose by $184 in January compared to $176 of December. In other words, there has been an increase by $8 when you compare January and December.

The average cost of liability insurance in the Hillsboro rose to $60 in January, compared to $54 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hillsboro?

The car insurance in Hillsboro is $43 per month, which is lower than the national average.

What is the cheapest car insurance in Hillsboro?

The cheapest car insurance in Hillsboro is $112 per month for full coverage.

How much is car insurance in Hillsboro for teenagers?

Car insurance for teenagers costs $288 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 Hillsboro?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $177 per month to insure your car in Hillsboro.

Is car insurance expensive in Hillsboro?

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

Cheapest Car Insurance Quotes in Hillsboro

Why you can trust Way?

How Much Is Car Insurance in Hillsboro

Avg. Car Insurance in Hillsboro

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Hillsboro

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Hillsboro Car Insurance Rates by Company

Cheap Car Insurance Companies in Hillsboro, TX

Way's key takeaways about car insurance in Hillsboro

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hillsboro

Cheapest Liability Coverage in Hillsboro, TX

Cheapest Full Coverage Car Insurance in Hillsboro

Cheapest Full Coverage Car Insurance Quotes in Hillsboro, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hillsboro by Rating Factor

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

Car Insurance Premiums by Age in Hillsboro

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hillsboro,TX

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

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 Hillsboro

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

Hillsboro Car Insurance Rates by Violation

Hillsboro auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hillsboro after a DUI

Hillsboro car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hillsboro after Speeding ticket

Car Insurance Price Trends in Hillsboro, Texas

Average Car Insurance Cost in Hillsboro by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hillsboro, TX

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

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