Cheapest Car Insurance Quotes in Lake Brownwood

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Lake Brownwood Car Insurance

^$ 40

/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 Lake Brownwood

The car insurance rate in Lake Brownwood is $1027 for a six-month policy, which is $89 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $612, making it a popular choice for budget-conscious drivers. Rates in Lake Brownwood 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 Lake Brownwood

$1027

Avg. Car Insurance in Texas

$1116

National Average

$1140

Cheapest Car Insurance Companies in Lake Brownwood

1st place: Texas Farm Bureau

At $612 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $727 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $749 for six months, making it the third cheapest auto insurance company in Lake Brownwood.

Lake Brownwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Brownwood, TX is Texas Farm Bureau, offering policies at just $612 for a six-month term. This is followed by Mercury, which has an average six-month premium of $727.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $983 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Brownwood drivers find the best deals.

Cheap Car Insurance Companies in Lake Brownwood, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$612	$103
Mercury	$727	$123
State Farm	$749	$126
AAA Texas	$760	$129
USAA	$836	$141
Redpoint Insurance	$896	$153
Progressive	$1033	$174
Southern County Mutual	$1186	$201
Allstate	$1410	$237
Farmers	$2257	$384
Redpoint County Mutual	$880	$150
Geico County Mutual	$983	$167

Key Takeaways

Way's key takeaways about car insurance in Lake Brownwood

The auto insurance costs in Lake Brownwood fall around $612 for six months.
The cheapest auto insurance company in Lake Brownwood is Texas Farm Bureau.
Teen drivers pay the highest rate in Lake Brownwood at $67 per month.

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

Cheapest Minimum Liability Car Insurance in Lake Brownwood

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 Lake Brownwood are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Lake Brownwood. Their Average 6 Month Premium is $235. Geico County Mutual is the most expensive at $306 for the same period.

Cheapest Liability Coverage in Lake Brownwood, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$235	$40
USAA	$262	$44
Progressive	$273	$46
State Farm	$279	$47
Redpoint Insurance	$306	$51
Mercury	$355	$60
AAA Texas	$394	$65
Allstate	$541	$91
Farmers	$891	$148
Redpoint County Mutual	$295	$49
Geico County Mutual	$306	$52

Cheapest Full Coverage Car Insurance in Lake Brownwood

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 Lake Brownwood is Texas Farm Bureau at $103 per month and $612 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Brownwood, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$612	$103
Mercury	$727	$123
State Farm	$749	$126
AAA Texas	$760	$129
USAA	$836	$141
Redpoint Insurance	$896	$153
Progressive	$1033	$174
Southern County Mutual	$1186	$201
Allstate	$1410	$237
Farmers	$2257	$384
Redpoint County Mutual	$880	$150
Geico County Mutual	$983	$167

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Average Car Insurance in Lake Brownwood 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 Lake Brownwood, TX increasing?

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

Car Insurance Premiums by Age in Lake Brownwood

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
30s	Texas Farm Bureau	$643
40s	Nationwide	$638
50s	Texas Farm Bureau	$569
60s	Texas Farm Bureau	$526
70s	Texas Farm Bureau	$565

Cheapest Car Insurance Rates for Teen Drivers in Lake Brownwood,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Lake Brownwood at $52 per month. At $405 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	$312	$52
Southern County Mutual	$405	$69
Mercury	$437	$73
AAA Texas	$498	$85
Texas Farm Bureau	$1087	$183
USAA	$1186	$200
State Farm	$1230	$207
Allstate	$3088	$520
Progressive	$5268	$887
Farmers	$7366	$1252
Redpoint County Mutual	$301	$52
Geico County Mutual	$405	$67

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Lake Brownwood.

As young drivers face the highest rates in Lake Brownwood, Texas Farm Bureau offers the cheapest auto insurance rates at $643 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 Lake Brownwood, Mercury is the cheapest car insurance provider. At $476 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 Lake Brownwood is State Farm, offering rates of around $4126 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$476	$81
Foremost	$569	$95
AAA Texas	$606	$103
Dairyland	$705	$118
Allstate	$924	$157
USAA	$946	$157
Texas Farm Bureau	$1065	$181
Progressive	$1476	$248
Farmers	$3738	$636
State Farm	$4126	$687

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Car Insurance Rates with An Accident in Lake Brownwood

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 Lake Brownwood, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Brownwood

The cheapest car insurance companies after an at-fault accident in Lake Brownwood include Redpoint Insurance and Southern County Mutual, offering $312 and $377, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $377.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$312	$52
Southern County Mutual	$377	$64
State Farm	$580	$98
AAA Texas	$585	$99
Mercury	$710	$119
USAA	$868	$146
Texas Farm Bureau	$961	$162
Progressive	$1787	$301
Allstate	$2011	$339
Farmers	$6203	$1054
Redpoint County Mutual	$301	$50
Geico County Mutual	$377	$64

Lake Brownwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Brownwood TX. For example, the car insurance in Lake Brownwood after a DUI increases to $722 for a six month policy. While the rate increases by $170 for a six-month policy in the case of a speeding ticket.

Lake Brownwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1180	$197
One Med/PIP claim	$1191	$202
One comp claim	$1251	$209
Not-at-fault accident	$1262	$214
Two Med/PIP claims	$1268	$212
Failure to show documents	$1312	$223
Driving with expired registration	$1322	$221
Two comp claims	$1333	$226
Cell phone violation	$1344	$224
Driving without lights	$1344	$228
Texting while driving	$1344	$224
Driving too slowly	$1350	$229
Speeding 11 - 15 MPH over limit	$1350	$225
Speeding 16 - 20 MPH over limit	$1350	$229
Speeding 6 - 10 MPH over limit	$1350	$225
Speeding in school zone	$1350	$229
Child safety restraint	$1355	$226
Failure to wear a seat belt	$1355	$230
In 65 MPH zone	$1361	$227
Failure to stop at a red light	$1366	$233
Failure to yield	$1366	$228
Following too closely	$1366	$233
Illegal turn	$1366	$228
Improper passing	$1366	$233
Speeding 21 - 25 MPH over limit	$1366	$228
Passing school bus	$1372	$234
Wrong way/wrong lane	$1372	$228
Operating a vehicle without permission	$1377	$235
At-fault accident - less than $1000	$1432	$238
Open container	$1612	$274
Driving with a suspended license	$1673	$279
Racing	$1771	$301
Reckless driving	$1771	$295
Leaving scene of an accident/hit and run	$1814	$308
At-fault accident - $1000-$2000	$1820	$304
Refusal to submit to a chemical test	$1874	$318
DUI	$1902	$317
At-fault accident - greater than $2000	$1978	$337

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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 Lake Brownwood 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 Lake Brownwood.

The cheapest car insurance premiums in Lake Brownwood are offered by Mercury at $470 for a six-month policy. However, it can be as expensive as $2847 with companies like Farmers.

Lake Brownwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$470	$78
Foremost	$530	$90
Dairyland	$580	$97
AAA Texas	$612	$104
State Farm	$765	$129
Texas Farm Bureau	$907	$155
Progressive	$1147	$193
USAA	$1175	$198
Allstate	$1498	$252
Nationwide	$1547	$263
Farmers	$2847	$475

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 Lake Brownwood are offered by State Farm at $426. However, it can be as expensive as $3099 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake Brownwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$426	$72
Texas Farm Bureau	$470	$80
Mercury	$487	$81
AAA Texas	$519	$88
USAA	$684	$114
Allstate	$924	$157
Progressive	$1591	$265
Farmers	$3099	$527

Car Insurance Price Trends in Lake Brownwood, Texas

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

The average cost of full coverage in the Lake Brownwood remained steady at $190 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Lake Brownwood remained steady at $59 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Lake Brownwood?

The car insurance in Lake Brownwood is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Brownwood?

The cheapest car insurance in Lake Brownwood is $103 per month for full coverage.

How much is car insurance in Lake Brownwood for teenagers?

Car insurance for teenagers costs $312 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 Lake Brownwood?

The average cost of car insurance is $1116 for a six-month policy. It will cost around $174 per month to insure your car in Lake Brownwood.

Is car insurance expensive in Lake Brownwood?

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

Cheapest Car Insurance Quotes in Lake Brownwood

Why you can trust Way?

How Much Is Car Insurance in Lake Brownwood

Avg. Car Insurance in Lake Brownwood

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Lake Brownwood

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Lake Brownwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Brownwood, TX

Way's key takeaways about car insurance in Lake Brownwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Brownwood

Cheapest Liability Coverage in Lake Brownwood, TX

Cheapest Full Coverage Car Insurance in Lake Brownwood

Cheapest Full Coverage Car Insurance Quotes in Lake Brownwood, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Brownwood by Rating Factor

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

Car Insurance Premiums by Age in Lake Brownwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Brownwood,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Lake Brownwood.

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 Lake Brownwood

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Brownwood

Lake Brownwood Car Insurance Rates by Violation

Lake Brownwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Brownwood after a DUI

Lake Brownwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Brownwood after Speeding ticket

Car Insurance Price Trends in Lake Brownwood, Texas

Average Car Insurance Cost in Lake Brownwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Brownwood, TX

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

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