Cheapest Car Insurance Quotes in Magnolia

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Magnolia Car Insurance

^$ 46

/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 Magnolia

The car insurance rate in Magnolia is $1110 for a six-month policy, which is $63 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $705, making it a popular choice for budget-conscious drivers. Rates in Magnolia 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 Magnolia

$1110

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Magnolia

1st place: Texas Farm Bureau

At $705 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 $837 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 $863 for six months, making it the third cheapest auto insurance company in Magnolia.

Magnolia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Magnolia, TX is Texas Farm Bureau, offering policies at just $705 for a six-month term. This is followed by Mercury, which has an average six-month premium of $837.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1203 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Magnolia drivers find the best deals.

Cheap Car Insurance Companies in Magnolia, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$705	$119
Mercury	$837	$142
State Farm	$863	$145
AAA Texas	$876	$148
USAA	$964	$162
Redpoint Insurance	$1032	$176
Progressive	$1190	$200
Southern County Mutual	$1366	$232
Allstate	$1625	$273
Farmers	$2600	$442
Redpoint County Mutual	$1013	$173
Geico County Mutual	$1133	$193
Germania	$454	$75
AAA	$793	$133
National General	$1203	$200

Key Takeaways

Way's key takeaways about car insurance in Magnolia

The auto insurance costs in Magnolia fall around $705 for six months.
The cheapest auto insurance company in Magnolia is Texas Farm Bureau.
Teen drivers pay the highest rate in Magnolia at $77 per month.

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Cheapest Minimum Liability Car Insurance in Magnolia

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 Magnolia are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Magnolia. Their Average 6 Month Premium is $270. Germania is the most expensive at $454 for the same period.

Cheapest Liability Coverage in Magnolia, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$270	$46
USAA	$302	$51
Progressive	$315	$53
State Farm	$321	$54
Redpoint Insurance	$353	$58
Mercury	$409	$69
AAA Texas	$454	$75
Allstate	$623	$105
Farmers	$1026	$171
Redpoint County Mutual	$340	$56
Geico County Mutual	$353	$60
National General	$390	$65
Germania	$454	$77

Cheapest Full Coverage Car Insurance in Magnolia

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 Magnolia is Texas Farm Bureau at $119 per month and $705 for six months.

Cheapest Full Coverage Car Insurance Quotes in Magnolia, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$705	$119
Mercury	$837	$142
State Farm	$863	$145
AAA Texas	$876	$148
USAA	$964	$162
Redpoint Insurance	$1032	$176
Progressive	$1190	$200
Southern County Mutual	$1366	$232
Allstate	$1625	$273
Farmers	$2600	$442
Redpoint County Mutual	$1013	$173
Geico County Mutual	$1133	$193
Germania	$454	$75
AAA	$793	$133
National General	$1203	$200

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Average Car Insurance in Magnolia 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 Magnolia, TX increasing?

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

Car Insurance Premiums by Age in Magnolia

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	$741
40s	Nationwide	$736
50s	Texas Farm Bureau	$656
60s	Texas Farm Bureau	$606
70s	Texas Farm Bureau	$651

Cheapest Car Insurance Rates for Teen Drivers in Magnolia,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Magnolia at $59 per month. At $466 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	$359	$59
Southern County Mutual	$466	$80
Mercury	$504	$84
AAA Texas	$573	$98
Texas Farm Bureau	$1253	$211
USAA	$1366	$230
State Farm	$1417	$239
Allstate	$3557	$599
Progressive	$6070	$1022
Farmers	$8487	$1443
Redpoint County Mutual	$347	$59
Geico County Mutual	$466	$77

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 Magnolia.

As young drivers face the highest rates in Magnolia, Texas Farm Bureau offers the cheapest auto insurance rates at $741 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 Magnolia, Mercury is the cheapest car insurance provider. At $548 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 Magnolia is State Farm, offering rates of around $4754 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$548	$93
Foremost	$655	$109
AAA Texas	$699	$119
Dairyland	$812	$136
Allstate	$1064	$181
USAA	$1090	$181
Texas Farm Bureau	$1227	$209
Progressive	$1700	$286
Farmers	$4307	$732
State Farm	$4754	$792

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Car Insurance Rates with An Accident in Magnolia

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

Cheapest Car Insurance Companies after an At-Fault Accident in Magnolia

The cheapest car insurance companies after an at-fault accident in Magnolia include Redpoint Insurance and Southern County Mutual, offering $359 and $435, respectively. National General is an expensive provider with an average six-month premium of $611.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$359	$59
Southern County Mutual	$435	$74
State Farm	$668	$112
AAA Texas	$674	$114
Mercury	$818	$137
USAA	$1001	$169
Texas Farm Bureau	$1108	$187
Progressive	$2059	$347
Allstate	$2317	$390
Farmers	$7147	$1215
Redpoint County Mutual	$347	$57
Geico County Mutual	$435	$74
National General	$611	$104

Magnolia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Magnolia TX. For example, the car insurance in Magnolia after a DUI increases to $831 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

Magnolia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1360	$227
One Med/PIP claim	$1373	$233
One comp claim	$1442	$241
Not-at-fault accident	$1454	$247
Two Med/PIP claims	$1461	$244
Failure to show documents	$1512	$257
Driving with expired registration	$1523	$254
Two comp claims	$1536	$261
Cell phone violation	$1549	$259
Driving without lights	$1549	$263
Texting while driving	$1549	$259
Driving too slowly	$1555	$264
Speeding 11 - 15 MPH over limit	$1555	$260
Speeding 16 - 20 MPH over limit	$1555	$264
Speeding 6 - 10 MPH over limit	$1555	$260
Speeding in school zone	$1555	$264
Child safety restraint	$1561	$261
Failure to wear a seat belt	$1561	$265
In 65 MPH zone	$1568	$262
Failure to stop at a red light	$1574	$268
Failure to yield	$1574	$263
Following too closely	$1574	$268
Illegal turn	$1574	$263
Improper passing	$1574	$268
Speeding 21 - 25 MPH over limit	$1574	$263
Passing school bus	$1580	$269
Wrong way/wrong lane	$1580	$263
Operating a vehicle without permission	$1587	$270
At-fault accident - less than $1000	$1649	$275
Open container	$1857	$316
Driving with a suspended license	$1927	$321
Racing	$2041	$347
Reckless driving	$2041	$340
Leaving scene of an accident/hit and run	$2090	$355
At-fault accident - $1000-$2000	$2097	$350
Refusal to submit to a chemical test	$2159	$367
DUI	$2191	$366
At-fault accident - greater than $2000	$2279	$388

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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 Magnolia 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 Magnolia.

The cheapest car insurance premiums in Magnolia are offered by Mercury at $542 for a six-month policy. However, it can be as expensive as $3281 with companies like Farmers.

Magnolia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$542	$90
Foremost	$611	$104
Dairyland	$668	$111
AAA Texas	$705	$120
State Farm	$882	$148
Texas Farm Bureau	$1045	$178
Progressive	$1322	$223
USAA	$1354	$228
Allstate	$1726	$290
Nationwide	$1782	$303
Farmers	$3281	$547

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 Magnolia are offered by State Farm at $491. However, it can be as expensive as $3570 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Magnolia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$491	$83
Texas Farm Bureau	$542	$92
Mercury	$561	$93
AAA Texas	$598	$102
USAA	$788	$131
Allstate	$1064	$181
Progressive	$1833	$305
Farmers	$3570	$607

Car Insurance Price Trends in Magnolia, Texas

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

The average cost of full coverage in the Magnolia remained steady at $219 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Magnolia rose to $68 in December, compared to $66 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Magnolia?

The car insurance in Magnolia is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Magnolia?

The cheapest car insurance in Magnolia is $119 per month for full coverage.

How much is car insurance in Magnolia for teenagers?

Car insurance for teenagers costs $359 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 Magnolia?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $188 per month to insure your car in Magnolia.

Is car insurance expensive in Magnolia?

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

Cheapest Car Insurance Quotes in Magnolia

Why you can trust Way?

How Much Is Car Insurance in Magnolia

Avg. Car Insurance in Magnolia

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Magnolia

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Magnolia Car Insurance Rates by Company

Cheap Car Insurance Companies in Magnolia, TX

Way's key takeaways about car insurance in Magnolia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Magnolia

Cheapest Liability Coverage in Magnolia, TX

Cheapest Full Coverage Car Insurance in Magnolia

Cheapest Full Coverage Car Insurance Quotes in Magnolia, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Magnolia by Rating Factor

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

Car Insurance Premiums by Age in Magnolia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Magnolia,TX

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

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 Magnolia

Cheapest Car Insurance Companies after an At-Fault Accident in Magnolia

Magnolia Car Insurance Rates by Violation

Magnolia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Magnolia after a DUI

Magnolia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Magnolia after Speeding ticket

Car Insurance Price Trends in Magnolia, Texas

Average Car Insurance Cost in Magnolia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Magnolia, TX

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

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