Cheapest Car Insurance Quotes in Mirando City

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Mirando City Car Insurance

^$ 54

/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 Mirando City

The car insurance rate in Mirando City is $1337 for a six-month policy, which is $99 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $853, making it a popular choice for budget-conscious drivers. Rates in Mirando City 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 Mirando City

$1337

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Mirando City

1st place: Mercury

At $853 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 $886 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 $892 for six months, making it the third cheapest auto insurance company in Mirando City.

Mirando City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mirando City, TX is Mercury, offering policies at just $853 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $886.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1155 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mirando City drivers find the best deals.

Cheap Car Insurance Companies in Mirando City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$853	$143
Texas Farm Bureau	$886	$150
AAA Texas	$892	$149
State Farm	$923	$156
USAA	$1008	$170
Redpoint Insurance	$1052	$179
AAA	$1296	$216
Progressive	$1347	$227
Southern County Mutual	$1392	$232
Allstate	$2900	$488
Farmers	$2649	$450
Redpoint County Mutual	$1032	$176
Geico County Mutual	$1155	$197

Key Takeaways

Way's key takeaways about car insurance in Mirando City

The auto insurance costs in Mirando City fall around $853 for six months.
The cheapest auto insurance company in Mirando City is USAA.
Teen drivers pay the highest rate in Mirando City at $79 per month.

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

Cheapest Minimum Liability Car Insurance in Mirando City

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 Mirando City are given below.

USAA provides the cheapest minimum car insurance coverage in Mirando City. Their Average 6 Month Premium is $321. Geico County Mutual is the most expensive at $360 for the same period.

Cheapest Liability Coverage in Mirando City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$321	$54
Texas Farm Bureau	$334	$57
State Farm	$347	$58
Redpoint Insurance	$360	$62
Mercury	$417	$70
AAA	$462	$79
AAA Texas	$462	$77
Progressive	$475	$80
Allstate	$1001	$168
Farmers	$1045	$174
Redpoint County Mutual	$347	$57
Geico County Mutual	$360	$62

Cheapest Full Coverage Car Insurance in Mirando City

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 Mirando City is Mercury at $143 per month and $853 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mirando City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$853	$143
Texas Farm Bureau	$886	$150
AAA Texas	$892	$149
State Farm	$923	$156
USAA	$1008	$170
Redpoint Insurance	$1052	$179
AAA	$1296	$216
Progressive	$1347	$227
Southern County Mutual	$1392	$232
Allstate	$2900	$488
Farmers	$2649	$450
Redpoint County Mutual	$1032	$176
Geico County Mutual	$1155	$197

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Average Car Insurance in Mirando City 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 Mirando City, TX increasing?

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

Car Insurance Premiums by Age in Mirando City

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 Mirando City,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Mirando City at $63 per month. At $475 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	$366	$63
Southern County Mutual	$475	$79
Mercury	$513	$87
AAA Texas	$584	$97
USAA	$1469	$247
State Farm	$1565	$264
Texas Farm Bureau	$1643	$280
AAA	$2695	$449
Allstate	$4933	$831
Progressive	$6877	$1158
Farmers	$8648	$1470
Redpoint County Mutual	$353	$60
Geico County Mutual	$475	$79

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 Mirando City, Mercury is the cheapest car insurance provider. At $558 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 Mirando City is Farmers, offering rates of around $4388 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$558	$93
Foremost	$667	$113
AAA Texas	$712	$119
Dairyland	$827	$140
USAA	$1244	$207
Progressive	$1783	$300
AAA	$2162	$361
Allstate	$5087	$865
State Farm	$6640	$1107
Texas Farm Bureau	$1251	$213
Farmers	$4388	$746

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Save up to $971/yr on car insurance rates in Mirando City.

Car Insurance Rates with An Accident in Mirando City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mirando City

The cheapest car insurance companies after an at-fault accident in Mirando City include Redpoint Insurance and Southern County Mutual, offering $366 and $443, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $443.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$366	$60
Southern County Mutual	$443	$76
AAA Texas	$687	$114
State Farm	$738	$124
Mercury	$834	$139
USAA	$1065	$179
Texas Farm Bureau	$1386	$231
AAA	$2200	$374
Progressive	$2354	$396
Allstate	$4587	$772
Farmers	$7281	$1238
Redpoint County Mutual	$353	$58
Geico County Mutual	$443	$76

Mirando City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mirando City TX. For example, the car insurance in Mirando City after a DUI increases to $846 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Mirando City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1386	$231
One Med/PIP claim	$1399	$238
One comp claim	$1469	$245
Not-at-fault accident	$1482	$252
Two Med/PIP claims	$1488	$248
Failure to show documents	$1540	$261
Driving with expired registration	$1552	$259
Two comp claims	$1565	$266
Cell phone violation	$1578	$264
Driving without lights	$1578	$268
Texting while driving	$1578	$264
Driving too slowly	$1584	$269
Speeding 11 - 15 MPH over limit	$1584	$265
Speeding 16 - 20 MPH over limit	$1584	$269
Speeding 6 - 10 MPH over limit	$1584	$265
Speeding in school zone	$1584	$269
Child safety restraint	$1591	$266
Failure to wear a seat belt	$1591	$270
In 65 MPH zone	$1597	$267
Failure to stop at a red light	$1604	$273
Failure to yield	$1604	$268
Following too closely	$1604	$273
Illegal turn	$1604	$268
Improper passing	$1604	$273
Speeding 21 - 25 MPH over limit	$1604	$268
Passing school bus	$1610	$274
Wrong way/wrong lane	$1610	$268
Operating a vehicle without permission	$1617	$275
At-fault accident - less than $1000	$1680	$280
Open container	$1892	$322
Driving with a suspended license	$1963	$327
Racing	$2079	$353
Reckless driving	$2079	$347
Leaving scene of an accident/hit and run	$2130	$362
At-fault accident - $1000-$2000	$2136	$356
Refusal to submit to a chemical test	$2200	$374
DUI	$2232	$373
At-fault accident - greater than $2000	$2322	$395

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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 Mirando City 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 Mirando City.

The cheapest car insurance premiums in Mirando City are offered by Mercury at $552 for a six-month policy. However, it can be as expensive as $3343 with companies like Farmers.

Mirando City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$552	$92
Foremost	$622	$106
Dairyland	$680	$113
AAA Texas	$718	$122
State Farm	$943	$159
USAA	$1469	$247
Progressive	$1501	$253
Nationwide	$1815	$309
AAA	$3330	$555
Allstate	$3792	$638
Texas Farm Bureau	$1065	$181
Farmers	$3343	$557

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 Mirando City are offered by Mercury at $571. However, it can be as expensive as $3637 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mirando City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$571	$95
State Farm	$590	$99
AAA Texas	$609	$102
USAA	$905	$153
AAA	$2200	$367
Progressive	$2348	$400
Allstate	$3567	$594
Texas Farm Bureau	$552	$94
Farmers	$3637	$619

Car Insurance Price Trends in Mirando City, Texas

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

The average cost of full coverage in the Mirando City rose by $233 in January compared to $224 of December. In other words, there has been an increase by $9 when you compare January and December.

The average cost of liability insurance in the Mirando City rose to $76 in January, compared to $69 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Mirando City?

The car insurance in Mirando City is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Mirando City?

The cheapest car insurance in Mirando City is $143 per month for full coverage.

How much is car insurance in Mirando City for teenagers?

Car insurance for teenagers costs $366 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 Mirando City?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $225 per month to insure your car in Mirando City.

Is car insurance expensive in Mirando City?

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

Cheapest Car Insurance Quotes in Mirando City

Why you can trust Way?

How Much Is Car Insurance in Mirando City

Avg. Car Insurance in Mirando City

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Mirando City

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Mirando City Car Insurance Rates by Company

Cheap Car Insurance Companies in Mirando City, TX

Way's key takeaways about car insurance in Mirando City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mirando City

Cheapest Liability Coverage in Mirando City, TX

Cheapest Full Coverage Car Insurance in Mirando City

Cheapest Full Coverage Car Insurance Quotes in Mirando City, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mirando City by Rating Factor

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

Car Insurance Premiums by Age in Mirando City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mirando City,TX

If you are in your twenties N/A is the best choice for car insurance in Mirando City.

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 Mirando City

Cheapest Car Insurance Companies after an At-Fault Accident in Mirando City

Mirando City Car Insurance Rates by Violation

Mirando City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mirando City after a DUI

Mirando City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mirando City after Speeding ticket

Car Insurance Price Trends in Mirando City, Texas

Average Car Insurance Cost in Mirando City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mirando City, TX

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

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