Cheapest Car Insurance Quotes in Horseshoe Bay

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Horseshoe Bay Car Insurance

^$ 51

/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 Horseshoe Bay

The car insurance rate in Horseshoe Bay is $1292 for a six-month policy, which is $13 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $798, making it a popular choice for budget-conscious drivers. Rates in Horseshoe Bay 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 Horseshoe Bay

$1292

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Horseshoe Bay

1st place: Mercury

At $798 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 $828 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 $834 for six months, making it the third cheapest auto insurance company in Horseshoe Bay.

Horseshoe Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Horseshoe Bay, TX is Mercury, offering policies at just $798 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $828.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2478 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Horseshoe Bay drivers find the best deals.

Cheap Car Insurance Companies in Horseshoe Bay, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$798	$133
Texas Farm Bureau	$828	$140
AAA Texas	$834	$139
State Farm	$864	$145
USAA	$942	$159
Redpoint Insurance	$984	$168
AAA	$1212	$202
Progressive	$1259	$212
Southern County Mutual	$1302	$217
Allstate	$2712	$457
Farmers	$2478	$421

Key Takeaways

Way's key takeaways about car insurance in Horseshoe Bay

The auto insurance costs in Horseshoe Bay fall around $798 for six months.
The cheapest auto insurance company in Horseshoe Bay is USAA.
Teen drivers pay the highest rate in Horseshoe Bay at $1375 per month.

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

Cheapest Minimum Liability Car Insurance in Horseshoe Bay

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 Horseshoe Bay are given below.

USAA provides the cheapest minimum car insurance coverage in Horseshoe Bay. Their Average 6 Month Premium is $300. Farmers is the most expensive at $978 for the same period.

Cheapest Liability Coverage in Horseshoe Bay, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$300	$51
Texas Farm Bureau	$312	$54
State Farm	$324	$55
Redpoint Insurance	$336	$58
Mercury	$390	$66
AAA	$432	$74
AAA Texas	$432	$72
Progressive	$444	$75
Allstate	$936	$158
Farmers	$978	$163

Cheapest Full Coverage Car Insurance in Horseshoe Bay

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 Horseshoe Bay is Mercury at $133 per month and $798 for six months.

Cheapest Full Coverage Car Insurance Quotes in Horseshoe Bay, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$798	$133
Texas Farm Bureau	$828	$140
AAA Texas	$834	$139
State Farm	$864	$145
USAA	$942	$159
Redpoint Insurance	$984	$168
AAA	$1212	$202
Progressive	$1259	$212
Southern County Mutual	$1302	$217
Allstate	$2712	$457
Farmers	$2478	$421

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Average Car Insurance in Horseshoe Bay 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 Horseshoe Bay, TX increasing?

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

Car Insurance Premiums by Age in Horseshoe Bay

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 Horseshoe Bay,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Horseshoe Bay at $59 per month. At $8087 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$342	$59
Southern County Mutual	$444	$74
Mercury	$480	$82
AAA Texas	$546	$91
USAA	$1374	$231
State Farm	$1463	$246
Texas Farm Bureau	$1536	$262
AAA	$2520	$420
Allstate	$4614	$777
Progressive	$6432	$1083
Farmers	$8087	$1375

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 Horseshoe Bay, Mercury is the cheapest car insurance provider. At $522 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 Horseshoe Bay is Farmers, offering rates of around $4104 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$522	$87
Foremost	$624	$106
AAA Texas	$666	$111
Dairyland	$774	$131
USAA	$1164	$194
Progressive	$1668	$281
AAA	$2022	$337
Allstate	$4757	$809
State Farm	$6209	$1035
Texas Farm Bureau	$1170	$199
Farmers	$4104	$698

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Car Insurance Rates with An Accident in Horseshoe Bay

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

Cheapest Car Insurance Companies after an At-Fault Accident in Horseshoe Bay

The cheapest car insurance companies after an at-fault accident in Horseshoe Bay include Redpoint Insurance and Southern County Mutual, offering $342 and $414, respectively. Farmers is an expensive provider with an average six-month premium of $6809.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$342	$57
Southern County Mutual	$414	$71
AAA Texas	$642	$107
State Farm	$690	$116
Mercury	$780	$130
USAA	$996	$168
Texas Farm Bureau	$1296	$216
AAA	$2057	$349
Progressive	$2202	$371
Allstate	$4289	$722
Farmers	$6809	$1157

Horseshoe Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Horseshoe Bay TX. For example, the car insurance in Horseshoe Bay after a DUI increases to $792 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Horseshoe Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1296	$216
One Med/PIP claim	$1308	$222
One comp claim	$1374	$229
Not-at-fault accident	$1386	$235
Two Med/PIP claims	$1392	$232
Failure to show documents	$1440	$244
Driving with expired registration	$1451	$242
Two comp claims	$1463	$248
Cell phone violation	$1476	$246
Driving without lights	$1476	$250
Texting while driving	$1476	$246
Driving too slowly	$1482	$251
Speeding 11 - 15 MPH over limit	$1482	$247
Speeding 16 - 20 MPH over limit	$1482	$251
Speeding 6 - 10 MPH over limit	$1482	$247
Speeding in school zone	$1482	$251
Child safety restraint	$1488	$248
Failure to wear a seat belt	$1488	$253
In 65 MPH zone	$1494	$249
Failure to stop at a red light	$1500	$256
Failure to yield	$1500	$250
Following too closely	$1500	$256
Illegal turn	$1500	$250
Improper passing	$1500	$256
Speeding 21 - 25 MPH over limit	$1500	$250
Passing school bus	$1506	$257
Wrong way/wrong lane	$1506	$250
Operating a vehicle without permission	$1512	$258
At-fault accident - less than $1000	$1572	$262
Open container	$1770	$301
Driving with a suspended license	$1836	$306
Racing	$1944	$330
Reckless driving	$1944	$324
Leaving scene of an accident/hit and run	$1992	$338
At-fault accident - $1000-$2000	$1998	$333
Refusal to submit to a chemical test	$2057	$349
DUI	$2088	$348
At-fault accident - greater than $2000	$2172	$370

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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 Horseshoe Bay 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 Horseshoe Bay.

The cheapest car insurance premiums in Horseshoe Bay are offered by Mercury at $516 for a six-month policy. However, it can be as expensive as $3126 with companies like Farmers.

Horseshoe Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$516	$86
Foremost	$582	$99
Dairyland	$636	$106
AAA Texas	$672	$114
State Farm	$882	$148
USAA	$1374	$231
Progressive	$1404	$236
Nationwide	$1698	$289
AAA	$3114	$519
Allstate	$3546	$597
Texas Farm Bureau	$996	$170
Farmers	$3126	$521

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 Horseshoe Bay are offered by Mercury at $534. However, it can be as expensive as $3402 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Horseshoe Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$534	$89
State Farm	$551	$93
AAA Texas	$570	$95
USAA	$846	$143
AAA	$2057	$343
Progressive	$2196	$374
Allstate	$3336	$556
Texas Farm Bureau	$516	$88
Farmers	$3402	$579

Car Insurance Price Trends in Horseshoe Bay, Texas

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

The average cost of full coverage in the Horseshoe Bay remained steady at $218 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Horseshoe Bay remained steady at $71 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Horseshoe Bay?

The car insurance in Horseshoe Bay is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Horseshoe Bay?

The cheapest car insurance in Horseshoe Bay is $133 per month for full coverage.

How much is car insurance in Horseshoe Bay for teenagers?

Car insurance for teenagers costs $342 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 Horseshoe Bay?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $217 per month to insure your car in Horseshoe Bay.

Is car insurance expensive in Horseshoe Bay?

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

Cheapest Car Insurance Quotes in Horseshoe Bay

Why you can trust Way?

How Much Is Car Insurance in Horseshoe Bay

Avg. Car Insurance in Horseshoe Bay

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Horseshoe Bay

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Horseshoe Bay Car Insurance Rates by Company

Cheap Car Insurance Companies in Horseshoe Bay, TX

Way's key takeaways about car insurance in Horseshoe Bay

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Horseshoe Bay

Cheapest Liability Coverage in Horseshoe Bay, TX

Cheapest Full Coverage Car Insurance in Horseshoe Bay

Cheapest Full Coverage Car Insurance Quotes in Horseshoe Bay, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Horseshoe Bay by Rating Factor

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

Car Insurance Premiums by Age in Horseshoe Bay

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Horseshoe Bay,TX

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

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 Horseshoe Bay

Cheapest Car Insurance Companies after an At-Fault Accident in Horseshoe Bay

Horseshoe Bay Car Insurance Rates by Violation

Horseshoe Bay auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Horseshoe Bay after a DUI

Horseshoe Bay car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Horseshoe Bay after Speeding ticket

Car Insurance Price Trends in Horseshoe Bay, Texas

Average Car Insurance Cost in Horseshoe Bay by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Horseshoe Bay, TX

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

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