Cheapest Car Insurance Quotes in Jacinto City

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Jacinto City Car Insurance

^$ 64

/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 Jacinto City

The car insurance rate in Jacinto City is $1585 for a six-month policy, which is $347 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1011, making it a popular choice for budget-conscious drivers. Rates in Jacinto City 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 Jacinto City

$1585

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Jacinto City

1st place: Mercury

At $1011 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 $1050 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 $1057 for six months, making it the third cheapest auto insurance company in Jacinto City.

Jacinto City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jacinto City, TX is Mercury, offering policies at just $1011 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $1050.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1368 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jacinto City drivers find the best deals.

Cheap Car Insurance Companies in Jacinto City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$1011	$169
Texas Farm Bureau	$1050	$178
AAA Texas	$1057	$177
State Farm	$1094	$184
USAA	$1194	$201
Redpoint Insurance	$1247	$212
AAA	$1536	$256
Progressive	$1596	$269
Southern County Mutual	$1650	$275
Allstate	$3437	$579
Farmers	$3140	$534
Redpoint County Mutual	$1224	$209
Geico County Mutual	$1368	$233

Key Takeaways

Way's key takeaways about car insurance in Jacinto City

The auto insurance costs in Jacinto City fall around $1011 for six months.
The cheapest auto insurance company in Jacinto City is USAA.
Teen drivers pay the highest rate in Jacinto City at $93 per month.

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

Cheapest Minimum Liability Car Insurance in Jacinto City

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 Jacinto City are given below.

USAA provides the cheapest minimum car insurance coverage in Jacinto City. Their Average 6 Month Premium is $380. Geico County Mutual is the most expensive at $426 for the same period.

Cheapest Liability Coverage in Jacinto City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$380	$64
Texas Farm Bureau	$396	$68
State Farm	$411	$69
Redpoint Insurance	$426	$73
Mercury	$494	$83
AAA	$548	$93
AAA Texas	$548	$91
Progressive	$563	$95
Allstate	$1187	$200
Farmers	$1239	$206
Redpoint County Mutual	$411	$68
Geico County Mutual	$426	$73

Cheapest Full Coverage Car Insurance in Jacinto City

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 Jacinto City is Mercury at $169 per month and $1011 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jacinto City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$1011	$169
Texas Farm Bureau	$1050	$178
AAA Texas	$1057	$177
State Farm	$1094	$184
USAA	$1194	$201
Redpoint Insurance	$1247	$212
AAA	$1536	$256
Progressive	$1596	$269
Southern County Mutual	$1650	$275
Allstate	$3437	$579
Farmers	$3140	$534
Redpoint County Mutual	$1224	$209
Geico County Mutual	$1368	$233

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Average Car Insurance in Jacinto City 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 Jacinto City, TX increasing?

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

Car Insurance Premiums by Age in Jacinto City

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 Jacinto City,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Jacinto City at $74 per month. At $563 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	$434	$74
Southern County Mutual	$563	$93
Mercury	$608	$104
AAA Texas	$692	$115
USAA	$1741	$293
State Farm	$1855	$312
Texas Farm Bureau	$1947	$332
AAA	$3194	$532
Allstate	$5847	$984
Progressive	$8151	$1372
Farmers	$10249	$1742
Redpoint County Mutual	$419	$72
Geico County Mutual	$563	$93

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 Jacinto City, Mercury is the cheapest car insurance provider. At $662 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 Jacinto City is Farmers, offering rates of around $5201 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$662	$110
Foremost	$791	$134
AAA Texas	$844	$141
Dairyland	$980	$166
USAA	$1475	$246
Progressive	$2113	$356
AAA	$2563	$428
Allstate	$6029	$1025
State Farm	$7869	$1312
Texas Farm Bureau	$1482	$252
Farmers	$5201	$884

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Car Insurance Rates with An Accident in Jacinto City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Jacinto City

The cheapest car insurance companies after an at-fault accident in Jacinto City include Redpoint Insurance and Southern County Mutual, offering $434 and $525, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $525.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$434	$72
Southern County Mutual	$525	$90
AAA Texas	$814	$136
State Farm	$874	$147
Mercury	$988	$165
USAA	$1262	$212
Texas Farm Bureau	$1642	$274
AAA	$2607	$443
Progressive	$2790	$470
Allstate	$5436	$915
Farmers	$8630	$1467
Redpoint County Mutual	$419	$69
Geico County Mutual	$525	$90

Jacinto City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jacinto City TX. For example, the car insurance in Jacinto City after a DUI increases to $1004 for a six month policy. While the rate increases by $236 for a six-month policy in the case of a speeding ticket.

Jacinto City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1642	$274
One Med/PIP claim	$1658	$282
One comp claim	$1741	$291
Not-at-fault accident	$1756	$298
Two Med/PIP claims	$1764	$294
Failure to show documents	$1825	$310
Driving with expired registration	$1839	$307
Two comp claims	$1855	$315
Cell phone violation	$1870	$312
Driving without lights	$1870	$317
Texting while driving	$1870	$312
Driving too slowly	$1878	$319
Speeding 11 - 15 MPH over limit	$1878	$314
Speeding 16 - 20 MPH over limit	$1878	$319
Speeding 6 - 10 MPH over limit	$1878	$314
Speeding in school zone	$1878	$319
Child safety restraint	$1885	$315
Failure to wear a seat belt	$1885	$320
In 65 MPH zone	$1893	$316
Failure to stop at a red light	$1901	$324
Failure to yield	$1901	$317
Following too closely	$1901	$324
Illegal turn	$1901	$317
Improper passing	$1901	$324
Speeding 21 - 25 MPH over limit	$1901	$317
Passing school bus	$1908	$325
Wrong way/wrong lane	$1908	$317
Operating a vehicle without permission	$1916	$326
At-fault accident - less than $1000	$1992	$332
Open container	$2243	$381
Driving with a suspended license	$2327	$388
Racing	$2464	$419
Reckless driving	$2464	$411
Leaving scene of an accident/hit and run	$2524	$429
At-fault accident - $1000-$2000	$2532	$422
Refusal to submit to a chemical test	$2607	$443
DUI	$2646	$442
At-fault accident - greater than $2000	$2752	$468

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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 Jacinto City 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 Jacinto City.

The cheapest car insurance premiums in Jacinto City are offered by Mercury at $654 for a six-month policy. However, it can be as expensive as $3962 with companies like Farmers.

Jacinto City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$654	$109
Foremost	$737	$125
Dairyland	$806	$134
AAA Texas	$851	$145
State Farm	$1117	$188
USAA	$1741	$293
Progressive	$1779	$300
Nationwide	$2152	$366
AAA	$3946	$658
Allstate	$4494	$756
Texas Farm Bureau	$1262	$215
Farmers	$3962	$660

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 Jacinto City are offered by Mercury at $677. However, it can be as expensive as $4311 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Jacinto City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$677	$113
State Farm	$699	$118
AAA Texas	$722	$120
USAA	$1073	$182
AAA	$2607	$435
Progressive	$2783	$474
Allstate	$4228	$704
Texas Farm Bureau	$654	$111
Farmers	$4311	$733

Car Insurance Price Trends in Jacinto City, Texas

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

The average cost of full coverage in the Jacinto City rose by $276 in January compared to $265 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the Jacinto City rose to $90 in January, compared to $82 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Jacinto City?

The car insurance in Jacinto City is $64 per month, which is lower than the national average.

What is the cheapest car insurance in Jacinto City?

The cheapest car insurance in Jacinto City is $169 per month for full coverage.

How much is car insurance in Jacinto City for teenagers?

Car insurance for teenagers costs $434 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 Jacinto City?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $266 per month to insure your car in Jacinto City.

Is car insurance expensive in Jacinto City?

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

Cheapest Car Insurance Quotes in Jacinto City

Why you can trust Way?

How Much Is Car Insurance in Jacinto City

Avg. Car Insurance in Jacinto City

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Jacinto City

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Jacinto City Car Insurance Rates by Company

Cheap Car Insurance Companies in Jacinto City, TX

Way's key takeaways about car insurance in Jacinto City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Jacinto City

Cheapest Liability Coverage in Jacinto City, TX

Cheapest Full Coverage Car Insurance in Jacinto City

Cheapest Full Coverage Car Insurance Quotes in Jacinto City, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Jacinto City by Rating Factor

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

Car Insurance Premiums by Age in Jacinto City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Jacinto City,TX

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

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 Jacinto City

Cheapest Car Insurance Companies after an At-Fault Accident in Jacinto City

Jacinto City Car Insurance Rates by Violation

Jacinto City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Jacinto City after a DUI

Jacinto City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Jacinto City after Speeding ticket

Car Insurance Price Trends in Jacinto City, Texas

Average Car Insurance Cost in Jacinto City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Jacinto City, TX

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

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