Cheapest Car Insurance Quotes in Honey Grove

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Honey Grove Car Insurance

^$ 49

/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 Honey Grove

The car insurance rate in Honey Grove is $1201 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $766, making it a popular choice for budget-conscious drivers. Rates in Honey Grove 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 Honey Grove

$1201

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Honey Grove

1st place: Mercury

At $766 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 $795 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 $801 for six months, making it the third cheapest auto insurance company in Honey Grove.

Honey Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Honey Grove, TX is Mercury, offering policies at just $766 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $795.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1037 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Honey Grove drivers find the best deals.

Cheap Car Insurance Companies in Honey Grove, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$766	$128
Texas Farm Bureau	$795	$135
AAA Texas	$801	$134
State Farm	$829	$140
USAA	$905	$152
Redpoint Insurance	$945	$161
AAA	$1164	$194
Progressive	$1210	$204
Southern County Mutual	$1250	$209
Allstate	$2604	$438
Farmers	$2379	$404
Redpoint County Mutual	$927	$158
Geico County Mutual	$1037	$177

Key Takeaways

Way's key takeaways about car insurance in Honey Grove

The auto insurance costs in Honey Grove fall around $766 for six months.
The cheapest auto insurance company in Honey Grove is USAA.
Teen drivers pay the highest rate in Honey Grove at $71 per month.

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

Cheapest Minimum Liability Car Insurance in Honey Grove

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 Honey Grove are given below.

USAA provides the cheapest minimum car insurance coverage in Honey Grove. Their Average 6 Month Premium is $288. Geico County Mutual is the most expensive at $323 for the same period.

Cheapest Liability Coverage in Honey Grove, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$288	$49
Texas Farm Bureau	$300	$51
State Farm	$311	$52
Redpoint Insurance	$323	$55
Mercury	$374	$63
AAA	$415	$71
AAA Texas	$415	$69
Progressive	$427	$72
Allstate	$899	$151
Farmers	$939	$156
Redpoint County Mutual	$311	$51
Geico County Mutual	$323	$55

Cheapest Full Coverage Car Insurance in Honey Grove

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 Honey Grove is Mercury at $128 per month and $766 for six months.

Cheapest Full Coverage Car Insurance Quotes in Honey Grove, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$766	$128
Texas Farm Bureau	$795	$135
AAA Texas	$801	$134
State Farm	$829	$140
USAA	$905	$152
Redpoint Insurance	$945	$161
AAA	$1164	$194
Progressive	$1210	$204
Southern County Mutual	$1250	$209
Allstate	$2604	$438
Farmers	$2379	$404
Redpoint County Mutual	$927	$158
Geico County Mutual	$1037	$177

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Average Car Insurance in Honey Grove 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 Honey Grove, TX increasing?

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

Car Insurance Premiums by Age in Honey Grove

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 Honey Grove,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Honey Grove at $56 per month. At $427 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	$329	$56
Southern County Mutual	$427	$71
Mercury	$461	$79
AAA Texas	$525	$87
USAA	$1319	$222
State Farm	$1406	$237
Texas Farm Bureau	$1475	$251
AAA	$2420	$404
Allstate	$4431	$746
Progressive	$6177	$1040
Farmers	$7767	$1320
Redpoint County Mutual	$317	$54
Geico County Mutual	$427	$71

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 Honey Grove, Mercury is the cheapest car insurance provider. At $501 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 Honey Grove is Farmers, offering rates of around $3941 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$501	$83
Foremost	$599	$102
AAA Texas	$639	$107
Dairyland	$743	$126
USAA	$1117	$186
Progressive	$1601	$270
AAA	$1942	$324
Allstate	$4569	$777
State Farm	$5964	$994
Texas Farm Bureau	$1123	$191
Farmers	$3941	$670

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Car Insurance Rates with An Accident in Honey Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Honey Grove

The cheapest car insurance companies after an at-fault accident in Honey Grove include Redpoint Insurance and Southern County Mutual, offering $329 and $398, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $398.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$329	$54
Southern County Mutual	$398	$68
AAA Texas	$617	$103
State Farm	$663	$112
Mercury	$749	$125
USAA	$956	$161
Texas Farm Bureau	$1245	$208
AAA	$1976	$336
Progressive	$2115	$356
Allstate	$4120	$694
Farmers	$6540	$1112
Redpoint County Mutual	$317	$52
Geico County Mutual	$398	$68

Honey Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Honey Grove TX. For example, the car insurance in Honey Grove after a DUI increases to $760 for a six month policy. While the rate increases by $178 for a six-month policy in the case of a speeding ticket.

Honey Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1245	$208
One Med/PIP claim	$1256	$213
One comp claim	$1319	$220
Not-at-fault accident	$1331	$226
Two Med/PIP claims	$1337	$223
Failure to show documents	$1383	$235
Driving with expired registration	$1394	$233
Two comp claims	$1406	$239
Cell phone violation	$1417	$237
Driving without lights	$1417	$241
Texting while driving	$1417	$237
Driving too slowly	$1423	$242
Speeding 11 - 15 MPH over limit	$1423	$238
Speeding 16 - 20 MPH over limit	$1423	$242
Speeding 6 - 10 MPH over limit	$1423	$238
Speeding in school zone	$1423	$242
Child safety restraint	$1429	$239
Failure to wear a seat belt	$1429	$243
In 65 MPH zone	$1435	$240
Failure to stop at a red light	$1440	$245
Failure to yield	$1440	$241
Following too closely	$1440	$245
Illegal turn	$1440	$241
Improper passing	$1440	$245
Speeding 21 - 25 MPH over limit	$1440	$241
Passing school bus	$1446	$246
Wrong way/wrong lane	$1446	$241
Operating a vehicle without permission	$1452	$247
At-fault accident - less than $1000	$1509	$251
Open container	$1699	$289
Driving with a suspended license	$1763	$294
Racing	$1867	$317
Reckless driving	$1867	$311
Leaving scene of an accident/hit and run	$1913	$325
At-fault accident - $1000-$2000	$1919	$320
Refusal to submit to a chemical test	$1976	$336
DUI	$2005	$335
At-fault accident - greater than $2000	$2086	$355

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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 Honey Grove 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 Honey Grove.

The cheapest car insurance premiums in Honey Grove are offered by Mercury at $496 for a six-month policy. However, it can be as expensive as $3002 with companies like Farmers.

Honey Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$496	$82
Foremost	$559	$95
Dairyland	$611	$102
AAA Texas	$645	$110
State Farm	$847	$143
USAA	$1319	$222
Progressive	$1348	$227
Nationwide	$1631	$277
AAA	$2991	$499
Allstate	$3406	$573
Texas Farm Bureau	$956	$163
Farmers	$3002	$501

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 Honey Grove are offered by Mercury at $513. However, it can be as expensive as $3267 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Honey Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$513	$85
State Farm	$530	$89
AAA Texas	$547	$91
USAA	$813	$138
AAA	$1976	$330
Progressive	$2109	$359
Allstate	$3204	$534
Texas Farm Bureau	$496	$84
Farmers	$3267	$556

Car Insurance Price Trends in Honey Grove, Texas

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

The average cost of full coverage in the Honey Grove rose by $210 in January compared to $201 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 Honey Grove rose to $68 in January, compared to $62 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 Honey Grove?

The car insurance in Honey Grove is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Honey Grove?

The cheapest car insurance in Honey Grove is $128 per month for full coverage.

How much is car insurance in Honey Grove for teenagers?

Car insurance for teenagers costs $329 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 Honey Grove?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $202 per month to insure your car in Honey Grove.

Is car insurance expensive in Honey Grove?

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

Cheapest Car Insurance Quotes in Honey Grove

Why you can trust Way?

How Much Is Car Insurance in Honey Grove

Avg. Car Insurance in Honey Grove

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Honey Grove

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Honey Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Honey Grove, TX

Way's key takeaways about car insurance in Honey Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Honey Grove

Cheapest Liability Coverage in Honey Grove, TX

Cheapest Full Coverage Car Insurance in Honey Grove

Cheapest Full Coverage Car Insurance Quotes in Honey Grove, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Honey Grove by Rating Factor

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

Car Insurance Premiums by Age in Honey Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Honey Grove,TX

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

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 Honey Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Honey Grove

Honey Grove Car Insurance Rates by Violation

Honey Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Honey Grove after a DUI

Honey Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Honey Grove after Speeding ticket

Car Insurance Price Trends in Honey Grove, Texas

Average Car Insurance Cost in Honey Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Honey Grove, TX

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

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