Cheapest Car Insurance Quotes in Hilltop Lakes

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Hilltop Lakes Car Insurance

^$ 50

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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 Hilltop Lakes

The car insurance rate in Hilltop Lakes is $1238 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $790, making it a popular choice for budget-conscious drivers. Rates in Hilltop Lakes 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 Hilltop Lakes

$1238

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Hilltop Lakes

1st place: Mercury

At $790 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 $820 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 $826 for six months, making it the third cheapest auto insurance company in Hilltop Lakes.

Hilltop Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hilltop Lakes, TX is Mercury, offering policies at just $790 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $820.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1069 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hilltop Lakes drivers find the best deals.

Cheap Car Insurance Companies in Hilltop Lakes, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$790	$132
Texas Farm Bureau	$820	$139
AAA Texas	$826	$138
State Farm	$855	$144
USAA	$933	$157
Redpoint Insurance	$974	$166
AAA	$1200	$200
Progressive	$1247	$210
Southern County Mutual	$1289	$215
Allstate	$2685	$452
Farmers	$2453	$417
Redpoint County Mutual	$956	$163
Geico County Mutual	$1069	$182

Key Takeaways

Way's key takeaways about car insurance in Hilltop Lakes

The auto insurance costs in Hilltop Lakes fall around $790 for six months.
The cheapest auto insurance company in Hilltop Lakes is USAA.
Teen drivers pay the highest rate in Hilltop Lakes at $73 per month.

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

Cheapest Minimum Liability Car Insurance in Hilltop Lakes

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 Hilltop Lakes are given below.

USAA provides the cheapest minimum car insurance coverage in Hilltop Lakes. Their Average 6 Month Premium is $297. Geico County Mutual is the most expensive at $333 for the same period.

Cheapest Liability Coverage in Hilltop Lakes, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$297	$50
Texas Farm Bureau	$309	$53
State Farm	$321	$54
Redpoint Insurance	$333	$57
Mercury	$386	$65
AAA	$428	$73
AAA Texas	$428	$71
Progressive	$440	$74
Allstate	$927	$156
Farmers	$968	$161
Redpoint County Mutual	$321	$53
Geico County Mutual	$333	$57

Cheapest Full Coverage Car Insurance in Hilltop Lakes

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 Hilltop Lakes is Mercury at $132 per month and $790 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hilltop Lakes, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$790	$132
Texas Farm Bureau	$820	$139
AAA Texas	$826	$138
State Farm	$855	$144
USAA	$933	$157
Redpoint Insurance	$974	$166
AAA	$1200	$200
Progressive	$1247	$210
Southern County Mutual	$1289	$215
Allstate	$2685	$452
Farmers	$2453	$417
Redpoint County Mutual	$956	$163
Geico County Mutual	$1069	$182

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Average Car Insurance in Hilltop Lakes 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 Hilltop Lakes, TX increasing?

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

Car Insurance Premiums by Age in Hilltop Lakes

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 Hilltop Lakes,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Hilltop Lakes at $58 per month. At $440 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	$339	$58
Southern County Mutual	$440	$73
Mercury	$475	$81
AAA Texas	$541	$90
USAA	$1360	$229
State Farm	$1449	$244
Texas Farm Bureau	$1521	$259
AAA	$2495	$416
Allstate	$4568	$769
Progressive	$6368	$1072
Farmers	$8007	$1361
Redpoint County Mutual	$327	$56
Geico County Mutual	$440	$73

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 Hilltop Lakes, Mercury is the cheapest car insurance provider. At $517 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 Hilltop Lakes is Farmers, offering rates of around $4063 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$517	$86
Foremost	$618	$105
AAA Texas	$659	$110
Dairyland	$766	$130
USAA	$1152	$192
Progressive	$1651	$278
AAA	$2002	$334
Allstate	$4710	$801
State Farm	$6148	$1025
Texas Farm Bureau	$1158	$197
Farmers	$4063	$691

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Car Insurance Rates with An Accident in Hilltop Lakes

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hilltop Lakes

The cheapest car insurance companies after an at-fault accident in Hilltop Lakes include Redpoint Insurance and Southern County Mutual, offering $339 and $410, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $410.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$339	$56
Southern County Mutual	$410	$70
AAA Texas	$636	$106
State Farm	$683	$115
Mercury	$772	$129
USAA	$986	$166
Texas Farm Bureau	$1283	$214
AAA	$2037	$346
Progressive	$2180	$367
Allstate	$4247	$715
Farmers	$6742	$1146
Redpoint County Mutual	$327	$54
Geico County Mutual	$410	$70

Hilltop Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hilltop Lakes TX. For example, the car insurance in Hilltop Lakes after a DUI increases to $784 for a six month policy. While the rate increases by $184 for a six-month policy in the case of a speeding ticket.

Hilltop Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1283	$214
One Med/PIP claim	$1295	$220
One comp claim	$1360	$227
Not-at-fault accident	$1372	$233
Two Med/PIP claims	$1378	$230
Failure to show documents	$1426	$242
Driving with expired registration	$1437	$240
Two comp claims	$1449	$246
Cell phone violation	$1461	$244
Driving without lights	$1461	$248
Texting while driving	$1461	$244
Driving too slowly	$1467	$249
Speeding 11 - 15 MPH over limit	$1467	$245
Speeding 16 - 20 MPH over limit	$1467	$249
Speeding 6 - 10 MPH over limit	$1467	$245
Speeding in school zone	$1467	$249
Child safety restraint	$1473	$246
Failure to wear a seat belt	$1473	$250
In 65 MPH zone	$1479	$247
Failure to stop at a red light	$1485	$253
Failure to yield	$1485	$248
Following too closely	$1485	$253
Illegal turn	$1485	$248
Improper passing	$1485	$253
Speeding 21 - 25 MPH over limit	$1485	$248
Passing school bus	$1491	$254
Wrong way/wrong lane	$1491	$248
Operating a vehicle without permission	$1497	$255
At-fault accident - less than $1000	$1556	$259
Open container	$1752	$298
Driving with a suspended license	$1818	$303
Racing	$1925	$327
Reckless driving	$1925	$321
Leaving scene of an accident/hit and run	$1972	$335
At-fault accident - $1000-$2000	$1978	$330
Refusal to submit to a chemical test	$2037	$346
DUI	$2067	$345
At-fault accident - greater than $2000	$2150	$366

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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 Hilltop Lakes 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 Hilltop Lakes.

The cheapest car insurance premiums in Hilltop Lakes are offered by Mercury at $511 for a six-month policy. However, it can be as expensive as $3095 with companies like Farmers.

Hilltop Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$511	$85
Foremost	$576	$98
Dairyland	$630	$105
AAA Texas	$665	$113
State Farm	$873	$147
USAA	$1360	$229
Progressive	$1390	$234
Nationwide	$1681	$286
AAA	$3083	$514
Allstate	$3511	$591
Texas Farm Bureau	$986	$168
Farmers	$3095	$516

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 Hilltop Lakes are offered by Mercury at $529. However, it can be as expensive as $3368 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hilltop Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$529	$88
State Farm	$546	$92
AAA Texas	$564	$94
USAA	$838	$142
AAA	$2037	$340
Progressive	$2174	$370
Allstate	$3303	$550
Texas Farm Bureau	$511	$87
Farmers	$3368	$573

Car Insurance Price Trends in Hilltop Lakes, Texas

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

The average cost of full coverage in the Hilltop Lakes rose by $216 in January compared to $207 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 Hilltop Lakes rose to $70 in January, compared to $64 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 Hilltop Lakes?

The car insurance in Hilltop Lakes is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Hilltop Lakes?

The cheapest car insurance in Hilltop Lakes is $132 per month for full coverage.

How much is car insurance in Hilltop Lakes for teenagers?

Car insurance for teenagers costs $339 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 Hilltop Lakes?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $208 per month to insure your car in Hilltop Lakes.

Is car insurance expensive in Hilltop Lakes?

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

Cheapest Car Insurance Quotes in Hilltop Lakes

Why you can trust Way?

How Much Is Car Insurance in Hilltop Lakes

Avg. Car Insurance in Hilltop Lakes

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Hilltop Lakes

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Hilltop Lakes Car Insurance Rates by Company

Cheap Car Insurance Companies in Hilltop Lakes, TX

Way's key takeaways about car insurance in Hilltop Lakes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hilltop Lakes

Cheapest Liability Coverage in Hilltop Lakes, TX

Cheapest Full Coverage Car Insurance in Hilltop Lakes

Cheapest Full Coverage Car Insurance Quotes in Hilltop Lakes, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hilltop Lakes by Rating Factor

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

Car Insurance Premiums by Age in Hilltop Lakes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hilltop Lakes,TX

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

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 Hilltop Lakes

Cheapest Car Insurance Companies after an At-Fault Accident in Hilltop Lakes

Hilltop Lakes Car Insurance Rates by Violation

Hilltop Lakes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hilltop Lakes after a DUI

Hilltop Lakes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hilltop Lakes after Speeding ticket

Car Insurance Price Trends in Hilltop Lakes, Texas

Average Car Insurance Cost in Hilltop Lakes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hilltop Lakes, TX

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

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