Cheapest Car Insurance Quotes in Murchison

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Murchison 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 Murchison

The car insurance rate in Murchison is $1127 for a six-month policy, which is $111 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $719, making it a popular choice for budget-conscious drivers. Rates in Murchison 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 Murchison

$1127

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Murchison

1st place: Mercury

At $719 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 $746 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 $752 for six months, making it the third cheapest auto insurance company in Murchison.

Murchison Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Murchison, TX is Mercury, offering policies at just $719 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $746.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $973 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Murchison drivers find the best deals.

Cheap Car Insurance Companies in Murchison, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$719	$120
Texas Farm Bureau	$746	$126
AAA Texas	$752	$126
State Farm	$778	$131
USAA	$849	$143
Redpoint Insurance	$886	$151
AAA	$1092	$182
Progressive	$1135	$191
Southern County Mutual	$1173	$196
Allstate	$2443	$411
Farmers	$2232	$379
Redpoint County Mutual	$870	$148
Geico County Mutual	$973	$166

Key Takeaways

Way's key takeaways about car insurance in Murchison

The auto insurance costs in Murchison fall around $719 for six months.
The cheapest auto insurance company in Murchison is USAA.
Teen drivers pay the highest rate in Murchison at $66 per month.

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

Cheapest Minimum Liability Car Insurance in Murchison

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 Murchison are given below.

USAA provides the cheapest minimum car insurance coverage in Murchison. Their Average 6 Month Premium is $270. Geico County Mutual is the most expensive at $303 for the same period.

Cheapest Liability Coverage in Murchison, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$270	$46
Texas Farm Bureau	$281	$48
State Farm	$292	$49
Redpoint Insurance	$303	$52
Mercury	$351	$59
AAA	$389	$66
AAA Texas	$389	$65
Progressive	$400	$67
Allstate	$844	$142
Farmers	$881	$147
Redpoint County Mutual	$292	$48
Geico County Mutual	$303	$52

Cheapest Full Coverage Car Insurance in Murchison

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 Murchison is Mercury at $120 per month and $719 for six months.

Cheapest Full Coverage Car Insurance Quotes in Murchison, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$719	$120
Texas Farm Bureau	$746	$126
AAA Texas	$752	$126
State Farm	$778	$131
USAA	$849	$143
Redpoint Insurance	$886	$151
AAA	$1092	$182
Progressive	$1135	$191
Southern County Mutual	$1173	$196
Allstate	$2443	$411
Farmers	$2232	$379
Redpoint County Mutual	$870	$148
Geico County Mutual	$973	$166

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Average Car Insurance in Murchison 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 Murchison, TX increasing?

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

Car Insurance Premiums by Age in Murchison

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 Murchison,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Murchison at $53 per month. At $400 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	$308	$53
Southern County Mutual	$400	$66
Mercury	$432	$74
AAA Texas	$492	$82
USAA	$1238	$208
State Farm	$1319	$222
Texas Farm Bureau	$1384	$236
AAA	$2270	$379
Allstate	$4157	$700
Progressive	$5795	$976
Farmers	$7286	$1239
Redpoint County Mutual	$298	$51
Geico County Mutual	$400	$66

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 Murchison, Mercury is the cheapest car insurance provider. At $470 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 Murchison is Farmers, offering rates of around $3697 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$470	$78
Foremost	$562	$96
AAA Texas	$600	$100
Dairyland	$697	$118
USAA	$1048	$175
Progressive	$1502	$253
AAA	$1822	$304
Allstate	$4286	$729
State Farm	$5595	$933
Texas Farm Bureau	$1054	$179
Farmers	$3697	$629

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

Car Insurance Rates with An Accident in Murchison

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

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

The cheapest car insurance companies after an at-fault accident in Murchison include Redpoint Insurance and Southern County Mutual, offering $308 and $373, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $373.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$308	$51
Southern County Mutual	$373	$64
AAA Texas	$579	$96
State Farm	$622	$105
Mercury	$703	$117
USAA	$897	$151
Texas Farm Bureau	$1168	$195
AAA	$1854	$315
Progressive	$1984	$334
Allstate	$3865	$651
Farmers	$6135	$1043
Redpoint County Mutual	$298	$49
Geico County Mutual	$373	$64

Murchison Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Murchison TX. For example, the car insurance in Murchison after a DUI increases to $713 for a six month policy. While the rate increases by $167 for a six-month policy in the case of a speeding ticket.

Murchison auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1168	$195
One Med/PIP claim	$1178	$200
One comp claim	$1238	$207
Not-at-fault accident	$1249	$212
Two Med/PIP claims	$1254	$209
Failure to show documents	$1298	$220
Driving with expired registration	$1308	$218
Two comp claims	$1319	$224
Cell phone violation	$1330	$222
Driving without lights	$1330	$226
Texting while driving	$1330	$222
Driving too slowly	$1335	$227
Speeding 11 - 15 MPH over limit	$1335	$223
Speeding 16 - 20 MPH over limit	$1335	$227
Speeding 6 - 10 MPH over limit	$1335	$223
Speeding in school zone	$1335	$227
Child safety restraint	$1340	$224
Failure to wear a seat belt	$1340	$228
In 65 MPH zone	$1346	$225
Failure to stop at a red light	$1351	$230
Failure to yield	$1351	$226
Following too closely	$1351	$230
Illegal turn	$1351	$226
Improper passing	$1351	$230
Speeding 21 - 25 MPH over limit	$1351	$226
Passing school bus	$1357	$231
Wrong way/wrong lane	$1357	$226
Operating a vehicle without permission	$1362	$232
At-fault accident - less than $1000	$1416	$236
Open container	$1594	$271
Driving with a suspended license	$1654	$276
Racing	$1752	$298
Reckless driving	$1752	$292
Leaving scene of an accident/hit and run	$1795	$305
At-fault accident - $1000-$2000	$1800	$300
Refusal to submit to a chemical test	$1854	$315
DUI	$1881	$314
At-fault accident - greater than $2000	$1957	$333

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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 Murchison 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 Murchison.

The cheapest car insurance premiums in Murchison are offered by Mercury at $465 for a six-month policy. However, it can be as expensive as $2816 with companies like Farmers.

Murchison car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$465	$77
Foremost	$524	$89
Dairyland	$573	$96
AAA Texas	$605	$103
State Farm	$794	$134
USAA	$1238	$208
Progressive	$1265	$213
Nationwide	$1530	$260
AAA	$2806	$468
Allstate	$3195	$538
Texas Farm Bureau	$897	$153
Farmers	$2816	$470

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 Murchison are offered by Mercury at $481. However, it can be as expensive as $3065 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Murchison after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$481	$80
State Farm	$497	$84
AAA Texas	$513	$86
USAA	$763	$129
AAA	$1854	$309
Progressive	$1978	$337
Allstate	$3006	$501
Texas Farm Bureau	$465	$79
Farmers	$3065	$521

Car Insurance Price Trends in Murchison, Texas

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

The average cost of full coverage in the Murchison rose by $197 in January compared to $188 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 Murchison rose to $64 in January, compared to $58 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Murchison?

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

What is the cheapest car insurance in Murchison?

The cheapest car insurance in Murchison is $120 per month for full coverage.

How much is car insurance in Murchison for teenagers?

Car insurance for teenagers costs $308 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 Murchison?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $189 per month to insure your car in Murchison.

Is car insurance expensive in Murchison?

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

Cheapest Car Insurance Quotes in Murchison

Why you can trust Way?

How Much Is Car Insurance in Murchison

Avg. Car Insurance in Murchison

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Murchison

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Murchison Car Insurance Rates by Company

Cheap Car Insurance Companies in Murchison, TX

Way's key takeaways about car insurance in Murchison

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Murchison

Cheapest Liability Coverage in Murchison, TX

Cheapest Full Coverage Car Insurance in Murchison

Cheapest Full Coverage Car Insurance Quotes in Murchison, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Murchison by Rating Factor

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

Car Insurance Premiums by Age in Murchison

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Murchison,TX

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

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 Murchison

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

Murchison Car Insurance Rates by Violation

Murchison auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Murchison after a DUI

Murchison car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Murchison after Speeding ticket

Car Insurance Price Trends in Murchison, Texas

Average Car Insurance Cost in Murchison by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Murchison, TX

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

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