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Finding the cheapest car insurance quotes in Kildare shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Kildare
The car insurance rate in Kildare is $1114 for a six-month policy, which is $124 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $711, making it a popular choice for budget-conscious drivers. Rates in Kildare 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.
At $711 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 $738 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 $743
for six months, making it
the third cheapest auto insurance company in Kildare.
Kildare Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Kildare, TX is Mercury, offering policies at just $711 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $738.
At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $962 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kildare drivers find the best deals.
Way's key takeaways about car insurance in Kildare
The auto insurance costs in Kildare fall around $711 for six
months.
The cheapest auto insurance company in Kildare is USAA.
Teen drivers pay the highest rate in Kildare at $66 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Kildare
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 Kildare are given below.
USAA provides
the cheapest minimum car insurance
coverage in Kildare. Their Average 6 Month Premium is $267.
Geico County Mutual is the most
expensive at $300 for the same
period.
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 Kildare is Mercury
at $119 per month and $711
for six months.
Cheapest Full Coverage Car Insurance Quotes in Kildare,
TX
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Instantly!
Average Car Insurance in Kildare 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 Kildare, TX increasing?
Despite maintaining a clean driving record, your car insurance rates
in Kildare, 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, Kildare's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Kildare
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Kildare,TX
If you are planning to get a car insurance policy for your teenage
dependent, Redpoint Insurance provides the cheapest car
insurance in the Kildare at $52
per
month. At $396 for a six-month premium,
Geico County Mutual offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Kildare.
As young drivers face the highest rates in Kildare, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Kildare,
Mercury is
the cheapest car insurance provider. At $465 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
Kildare is Farmers, offering
rates of around $3657 for six
months.
Save up to $971/yr on car insurance rates in Kildare.
Car Insurance Rates with An Accident in Kildare
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 Kildare, TX,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Kildare
The cheapest car insurance companies after an at-fault accident in
Kildare include Redpoint Insurance
and Southern County Mutual, offering $305
and $369,
respectively. Geico County Mutual is an expensive provider
with an average six-month premium of
$369.
Here is a list of driving violations that can increase your car
insurance rates in Kildare TX. For example, the car
insurance in Kildare
after a DUI increases to $705 for a six
month policy. While the rate increases by $165 for a six-month policy in the case of
a speeding ticket.
Kildare auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1155
$193
One Med/PIP claim
$1166
$198
One comp claim
$1224
$204
Not-at-fault accident
$1235
$210
Two Med/PIP claims
$1240
$207
Failure to show documents
$1283
$218
Driving with expired registration
$1293
$216
Two comp claims
$1304
$221
Cell phone violation
$1315
$220
Driving without lights
$1315
$223
Texting while driving
$1315
$220
Driving too slowly
$1320
$224
Speeding 11 - 15 MPH over limit
$1320
$221
Speeding 16 - 20 MPH over limit
$1320
$224
Speeding 6 - 10 MPH over limit
$1320
$221
Speeding in school zone
$1320
$224
Child safety restraint
$1326
$221
Failure to wear a seat belt
$1326
$225
In 65 MPH zone
$1331
$222
Failure to stop at a red light
$1337
$228
Failure to yield
$1337
$223
Following too closely
$1337
$228
Illegal turn
$1337
$223
Improper passing
$1337
$228
Speeding 21 - 25 MPH over limit
$1337
$223
Passing school bus
$1342
$229
Wrong way/wrong lane
$1342
$223
Operating a vehicle without permission
$1347
$230
At-fault accident - less than $1000
$1400
$233
Open container
$1577
$268
Driving with a suspended license
$1636
$273
Racing
$1733
$294
Reckless driving
$1733
$289
Leaving scene of an accident/hit and run
$1775
$302
At-fault accident - $1000-$2000
$1780
$297
Refusal to submit to a chemical test
$1833
$311
DUI
$1860
$311
At-fault accident - greater than $2000
$1935
$329
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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 Kildare 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 Kildare.
The cheapest car insurance premiums in
Kildare are
offered by Mercury at $460 for a six-month policy.
However, it can be as
expensive as $2786 with companies
like Farmers.
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 Kildare are offered by Mercury
at $476. However,
it can be as expensive as $3031
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Kildare after Speeding ticket
Car insurance rates in Kildare have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Kildare rose by
$194 in January
compared to $186 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 Kildare rose to $63 in January,
compared to $58 in December.
This represents an increase of $5
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Kildare. At $2228 for a
six-month policy, insuring
your car at 75562 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Kildare?
The car insurance in Kildare is $45 per month, which is lower than the national average.
What is the cheapest car insurance in Kildare?
The cheapest car insurance in Kildare
is $119 per month
for full coverage.
How much is car insurance in Kildare for teenagers?
Car insurance for teenagers costs $305 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
Kildare?
The average cost of car insurance is $1238 for a six-month
policy. It will cost around $187 per month to insure your
car in Kildare.
Is car insurance expensive in Kildare?
Car insurance can be expensive in Kildare if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Kildare can be
affordable.
What is the best car insurance in Kildare,
TX?
The best car insurance company in Kildare
TX is
Mercury, offering $711 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Kildare, TX
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Kildare Car Insurance
