Cheapest Car Insurance Quotes in Lake Medina Shores

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Lake Medina Shores 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 Lake Medina Shores

The car insurance rate in Lake Medina Shores is $1305 for a six-month policy, which is $26 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $806, making it a popular choice for budget-conscious drivers. Rates in Lake Medina Shores 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 Medina Shores

$1305

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Lake Medina Shores

1st place: Mercury

At $806 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 $836 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 $843 for six months, making it the third cheapest auto insurance company in Lake Medina Shores.

Lake Medina Shores Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Medina Shores, TX is Mercury, offering policies at just $806 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $836.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2502 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Medina Shores drivers find the best deals.

Cheap Car Insurance Companies in Lake Medina Shores, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$806	$135
Texas Farm Bureau	$836	$142
AAA Texas	$843	$141
State Farm	$872	$147
USAA	$952	$160
Redpoint Insurance	$993	$169
AAA	$1224	$204
Progressive	$1272	$214
Southern County Mutual	$1315	$219
Allstate	$2739	$461
Farmers	$2502	$425

Key Takeaways

Way's key takeaways about car insurance in Lake Medina Shores

The auto insurance costs in Lake Medina Shores fall around $806 for six months.
The cheapest auto insurance company in Lake Medina Shores is USAA.
Teen drivers pay the highest rate in Lake Medina Shores at $1388 per month.

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

Cheapest Minimum Liability Car Insurance in Lake Medina Shores

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 Medina Shores are given below.

USAA provides the cheapest minimum car insurance coverage in Lake Medina Shores. Their Average 6 Month Premium is $303. Farmers is the most expensive at $987 for the same period.

Cheapest Liability Coverage in Lake Medina Shores, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$303	$51
Texas Farm Bureau	$315	$54
State Farm	$327	$55
Redpoint Insurance	$340	$58
Mercury	$394	$66
AAA	$437	$74
AAA Texas	$437	$72
Progressive	$449	$75
Allstate	$946	$159
Farmers	$987	$164

Cheapest Full Coverage Car Insurance in Lake Medina Shores

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 Medina Shores is Mercury at $135 per month and $806 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Medina Shores, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$806	$135
Texas Farm Bureau	$836	$142
AAA Texas	$843	$141
State Farm	$872	$147
USAA	$952	$160
Redpoint Insurance	$993	$169
AAA	$1224	$204
Progressive	$1272	$214
Southern County Mutual	$1315	$219
Allstate	$2739	$461
Farmers	$2502	$425

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Average Car Insurance in Lake Medina Shores 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 Medina Shores, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Medina Shores, 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 Medina Shores'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 Medina Shores

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 Lake Medina Shores,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 Medina Shores at $59 per month. At $8167 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$346	$59
Southern County Mutual	$449	$74
Mercury	$485	$83
AAA Texas	$552	$92
USAA	$1387	$234
State Farm	$1478	$249
Texas Farm Bureau	$1551	$264
AAA	$2545	$424
Allstate	$4659	$784
Progressive	$6495	$1093
Farmers	$8167	$1388

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 Lake Medina Shores, Mercury is the cheapest car insurance provider. At $527 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 Medina Shores is Farmers, offering rates of around $4144 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$527	$88
Foremost	$630	$107
AAA Texas	$672	$112
Dairyland	$781	$133
USAA	$1175	$196
Progressive	$1684	$284
AAA	$2042	$341
Allstate	$4804	$817
State Farm	$6271	$1046
Texas Farm Bureau	$1181	$201
Farmers	$4144	$705

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Lake Medina Shores.

Car Insurance Rates with An Accident in Lake Medina Shores

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 Medina Shores, TX, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Lake Medina Shores include Redpoint Insurance and Southern County Mutual, offering $346 and $418, respectively. Farmers is an expensive provider with an average six-month premium of $6877.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$346	$57
Southern County Mutual	$418	$71
AAA Texas	$649	$108
State Farm	$697	$117
Mercury	$787	$132
USAA	$1006	$169
Texas Farm Bureau	$1309	$218
AAA	$2078	$353
Progressive	$2224	$374
Allstate	$4332	$729
Farmers	$6877	$1169

Lake Medina Shores Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Medina Shores TX. For example, the car insurance in Lake Medina Shores after a DUI increases to $799 for a six month policy. While the rate increases by $187 for a six-month policy in the case of a speeding ticket.

Lake Medina Shores auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1309	$218
One Med/PIP claim	$1321	$224
One comp claim	$1387	$232
Not-at-fault accident	$1399	$238
Two Med/PIP claims	$1406	$235
Failure to show documents	$1455	$247
Driving with expired registration	$1466	$245
Two comp claims	$1478	$251
Cell phone violation	$1490	$249
Driving without lights	$1490	$253
Texting while driving	$1490	$249
Driving too slowly	$1496	$254
Speeding 11 - 15 MPH over limit	$1496	$250
Speeding 16 - 20 MPH over limit	$1496	$254
Speeding 6 - 10 MPH over limit	$1496	$250
Speeding in school zone	$1496	$254
Child safety restraint	$1502	$251
Failure to wear a seat belt	$1502	$255
In 65 MPH zone	$1509	$252
Failure to stop at a red light	$1515	$258
Failure to yield	$1515	$253
Following too closely	$1515	$258
Illegal turn	$1515	$253
Improper passing	$1515	$258
Speeding 21 - 25 MPH over limit	$1515	$253
Passing school bus	$1521	$259
Wrong way/wrong lane	$1521	$253
Operating a vehicle without permission	$1527	$260
At-fault accident - less than $1000	$1587	$264
Open container	$1787	$304
Driving with a suspended license	$1854	$309
Racing	$1964	$334
Reckless driving	$1964	$327
Leaving scene of an accident/hit and run	$2011	$342
At-fault accident - $1000-$2000	$2018	$337
Refusal to submit to a chemical test	$2078	$353
DUI	$2108	$352
At-fault accident - greater than $2000	$2193	$373

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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 Medina Shores 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 Medina Shores.

The cheapest car insurance premiums in Lake Medina Shores are offered by Mercury at $521 for a six-month policy. However, it can be as expensive as $3157 with companies like Farmers.

Lake Medina Shores car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$521	$87
Foremost	$588	$100
Dairyland	$643	$107
AAA Texas	$678	$115
State Farm	$890	$150
USAA	$1387	$234
Progressive	$1418	$239
Nationwide	$1715	$292
AAA	$3145	$524
Allstate	$3581	$603
Texas Farm Bureau	$1006	$171
Farmers	$3157	$526

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 Medina Shores are offered by Mercury at $540. However, it can be as expensive as $3435 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake Medina Shores after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$540	$90
State Farm	$557	$94
AAA Texas	$575	$96
USAA	$855	$145
AAA	$2078	$347
Progressive	$2217	$377
Allstate	$3369	$561
Texas Farm Bureau	$521	$89
Farmers	$3435	$584

Car Insurance Price Trends in Lake Medina Shores, Texas

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

The average cost of full coverage in the Lake Medina Shores remained steady at $220 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Lake Medina Shores 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 Lake Medina Shores?

The car insurance in Lake Medina Shores is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Medina Shores?

The cheapest car insurance in Lake Medina Shores is $135 per month for full coverage.

How much is car insurance in Lake Medina Shores for teenagers?

Car insurance for teenagers costs $346 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 Medina Shores?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $219 per month to insure your car in Lake Medina Shores.

Is car insurance expensive in Lake Medina Shores?

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

Cheapest Car Insurance Quotes in Lake Medina Shores

Why you can trust Way?

How Much Is Car Insurance in Lake Medina Shores

Avg. Car Insurance in Lake Medina Shores

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Lake Medina Shores

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Lake Medina Shores Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Medina Shores, TX

Way's key takeaways about car insurance in Lake Medina Shores

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Medina Shores

Cheapest Liability Coverage in Lake Medina Shores, TX

Cheapest Full Coverage Car Insurance in Lake Medina Shores

Cheapest Full Coverage Car Insurance Quotes in Lake Medina Shores, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Medina Shores by Rating Factor

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

Car Insurance Premiums by Age in Lake Medina Shores

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Medina Shores,TX

If you are in your twenties N/A is the best choice for car insurance in Lake Medina Shores.

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 Medina Shores

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

Lake Medina Shores Car Insurance Rates by Violation

Lake Medina Shores auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Medina Shores after a DUI

Lake Medina Shores car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Medina Shores after Speeding ticket

Car Insurance Price Trends in Lake Medina Shores, Texas

Average Car Insurance Cost in Lake Medina Shores by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Medina Shores, TX

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

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