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Finding the cheapest car insurance quotes in Masterson 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 Masterson
The car insurance rate in Masterson is $1089 for a six-month policy, which is $149 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $695, making it a popular choice for budget-conscious drivers. Rates in Masterson 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 $695 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 $722 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 $727
for six months, making it
the third cheapest auto insurance company in Masterson.
Masterson Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Masterson, TX is Mercury, offering policies at just $695 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $722.
At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $941 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Masterson drivers find the best deals.
Way's key takeaways about car insurance in Masterson
The auto insurance costs in Masterson fall around $695 for six
months.
The cheapest auto insurance company in Masterson is USAA.
Teen drivers pay the highest rate in Masterson at $64 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Masterson
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 Masterson are given below.
USAA provides
the cheapest minimum car insurance
coverage in Masterson. Their Average 6 Month Premium is $261.
Geico County Mutual is the most
expensive at $293 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 Masterson is Mercury
at $116 per month and $695
for six months.
Cheapest Full Coverage Car Insurance Quotes in Masterson,
TX
Get Your Car Insurance Quote in Masterson
Instantly!
Average Car Insurance in Masterson 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 Masterson, TX increasing?
Despite maintaining a clean driving record, your car insurance rates
in Masterson, 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, Masterson's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Masterson
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
Masterson,TX
If you are planning to get a car insurance policy for your teenage
dependent, Redpoint Insurance provides the cheapest car
insurance in the Masterson at $51
per
month. At $387 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 Masterson.
As young drivers face the highest rates in Masterson, 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 Masterson,
Mercury is
the cheapest car insurance provider. At $455 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
Masterson is Farmers, offering
rates of around $3575 for six
months.
Save up to $971/yr on car insurance rates in Masterson.
Car Insurance Rates with An Accident in Masterson
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 Masterson, TX,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Masterson
The cheapest car insurance companies after an at-fault accident in
Masterson include Redpoint Insurance
and Southern County Mutual, offering $298
and $361,
respectively. Geico County Mutual is an expensive provider
with an average six-month premium of
$361.
Here is a list of driving violations that can increase your car
insurance rates in Masterson TX. For example, the car
insurance in Masterson
after a DUI increases to $690 for a six
month policy. While the rate increases by $162 for a six-month policy in the case of
a speeding ticket.
Masterson auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1129
$188
One Med/PIP claim
$1140
$194
One comp claim
$1197
$200
Not-at-fault accident
$1207
$205
Two Med/PIP claims
$1213
$202
Failure to show documents
$1255
$213
Driving with expired registration
$1265
$211
Two comp claims
$1275
$216
Cell phone violation
$1286
$215
Driving without lights
$1286
$218
Texting while driving
$1286
$215
Driving too slowly
$1291
$219
Speeding 11 - 15 MPH over limit
$1291
$216
Speeding 16 - 20 MPH over limit
$1291
$219
Speeding 6 - 10 MPH over limit
$1291
$216
Speeding in school zone
$1291
$219
Child safety restraint
$1296
$216
Failure to wear a seat belt
$1296
$220
In 65 MPH zone
$1302
$217
Failure to stop at a red light
$1307
$223
Failure to yield
$1307
$218
Following too closely
$1307
$223
Illegal turn
$1307
$218
Improper passing
$1307
$223
Speeding 21 - 25 MPH over limit
$1307
$218
Passing school bus
$1312
$224
Wrong way/wrong lane
$1312
$218
Operating a vehicle without permission
$1317
$224
At-fault accident - less than $1000
$1369
$228
Open container
$1542
$262
Driving with a suspended license
$1600
$267
Racing
$1694
$288
Reckless driving
$1694
$282
Leaving scene of an accident/hit and run
$1735
$295
At-fault accident - $1000-$2000
$1741
$290
Refusal to submit to a chemical test
$1793
$304
DUI
$1819
$304
At-fault accident - greater than $2000
$1892
$322
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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 Masterson 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 Masterson.
The cheapest car insurance premiums in
Masterson are
offered by Mercury at $450 for a six-month policy.
However, it can be as
expensive as $2724 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 Masterson are offered by Mercury
at $466. However,
it can be as expensive as $2964
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Masterson after Speeding ticket
Car insurance rates in Masterson have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Masterson rose by
$190 in January
compared to $182 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 Masterson rose to $62 in January,
compared to $56 in December.
This represents an increase of $6
when comparing January and December.
Average Car Insurance Cost in Masterson by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Masterson. At $N/A for a
six-month policy, insuring
your car at N/A 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 Masterson?
The car insurance in Masterson is $44 per month, which is lower than the national average.
What is the cheapest car insurance in Masterson?
The cheapest car insurance in Masterson
is $116 per month
for full coverage.
How much is car insurance in Masterson for teenagers?
Car insurance for teenagers costs $298 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
Masterson?
The average cost of car insurance is $1238 for a six-month
policy. It will cost around $183 per month to insure your
car in Masterson.
Is car insurance expensive in Masterson?
Car insurance can be expensive in Masterson if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Masterson can be
affordable.
What is the best car insurance in Masterson,
TX?
The best car insurance company in Masterson
TX is
Mercury, offering $695 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Masterson, TX
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Masterson Car Insurance
