Cheapest Car Insurance Quotes in Nederland

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Nederland Car Insurance

^$ 47

/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 Nederland

The car insurance rate in Nederland is $1228 for a six-month policy, which is $112 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $732, making it a popular choice for budget-conscious drivers. Rates in Nederland 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 Nederland

$1228

Avg. Car Insurance in Texas

$1116

National Average

$1140

Cheapest Car Insurance Companies in Nederland

1st place: Texas Farm Bureau

At $732 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 $869 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 $895 for six months, making it the third cheapest auto insurance company in Nederland.

Nederland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Nederland, TX is Texas Farm Bureau, offering policies at just $732 for a six-month term. This is followed by Mercury, which has an average six-month premium of $869.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1176 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Nederland drivers find the best deals.

Cheap Car Insurance Companies in Nederland, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$732	$123
Mercury	$869	$147
State Farm	$895	$151
AAA Texas	$909	$154
USAA	$1000	$168
Redpoint Insurance	$1071	$183
Progressive	$1235	$208
Southern County Mutual	$1418	$241
Allstate	$1686	$284
Farmers	$2698	$459
Redpoint County Mutual	$1052	$179
Geico County Mutual	$1176	$200

Key Takeaways

Way's key takeaways about car insurance in Nederland

The auto insurance costs in Nederland fall around $732 for six months.
The cheapest auto insurance company in Nederland is Texas Farm Bureau.
Teen drivers pay the highest rate in Nederland at $80 per month.

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Cheapest Minimum Liability Car Insurance in Nederland

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 Nederland are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Nederland. Their Average 6 Month Premium is $281. Geico County Mutual is the most expensive at $366 for the same period.

Cheapest Liability Coverage in Nederland, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$281	$47
USAA	$314	$53
Progressive	$327	$55
State Farm	$333	$56
Redpoint Insurance	$366	$61
Mercury	$425	$72
AAA Texas	$471	$78
Allstate	$647	$109
Farmers	$1065	$177
Redpoint County Mutual	$353	$58
Geico County Mutual	$366	$63

Cheapest Full Coverage Car Insurance in Nederland

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 Nederland is Texas Farm Bureau at $123 per month and $732 for six months.

Cheapest Full Coverage Car Insurance Quotes in Nederland, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$732	$123
Mercury	$869	$147
State Farm	$895	$151
AAA Texas	$909	$154
USAA	$1000	$168
Redpoint Insurance	$1071	$183
Progressive	$1235	$208
Southern County Mutual	$1418	$241
Allstate	$1686	$284
Farmers	$2698	$459
Redpoint County Mutual	$1052	$179
Geico County Mutual	$1176	$200

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Average Car Insurance in Nederland 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 Nederland, TX increasing?

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

Car Insurance Premiums by Age in Nederland

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	$769
40s	Nationwide	$763
50s	Texas Farm Bureau	$681
60s	Texas Farm Bureau	$629
70s	Texas Farm Bureau	$675

Cheapest Car Insurance Rates for Teen Drivers in Nederland,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Nederland at $62 per month. At $484 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	$373	$62
Southern County Mutual	$484	$83
Mercury	$523	$87
AAA Texas	$595	$101
Texas Farm Bureau	$1300	$219
USAA	$1418	$239
State Farm	$1471	$248
Allstate	$3692	$622
Progressive	$6299	$1060
Farmers	$8808	$1497
Redpoint County Mutual	$360	$62
Geico County Mutual	$484	$80

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 Nederland.

As young drivers face the highest rates in Nederland, Texas Farm Bureau offers the cheapest auto insurance rates at $769 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 Nederland, Mercury is the cheapest car insurance provider. At $569 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 Nederland is State Farm, offering rates of around $4934 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$569	$97
Foremost	$680	$113
AAA Texas	$725	$123
Dairyland	$843	$141
Allstate	$1104	$188
USAA	$1131	$188
Texas Farm Bureau	$1274	$217
Progressive	$1764	$297
Farmers	$4469	$760
State Farm	$4934	$822

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Car Insurance Rates with An Accident in Nederland

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

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

The cheapest car insurance companies after an at-fault accident in Nederland include Redpoint Insurance and Southern County Mutual, offering $373 and $451, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$373	$62
Southern County Mutual	$451	$77
State Farm	$693	$117
AAA Texas	$700	$119
Mercury	$849	$142
USAA	$1038	$175
Texas Farm Bureau	$1150	$194
Progressive	$2136	$360
Allstate	$2405	$405
Farmers	$7416	$1261
Redpoint County Mutual	$360	$59
Geico County Mutual	$451	$77

Nederland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Nederland TX. For example, the car insurance in Nederland after a DUI increases to $863 for a six month policy. While the rate increases by $203 for a six-month policy in the case of a speeding ticket.

Nederland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1411	$235
One Med/PIP claim	$1425	$242
One comp claim	$1496	$250
Not-at-fault accident	$1509	$256
Two Med/PIP claims	$1516	$253
Failure to show documents	$1569	$266
Driving with expired registration	$1581	$264
Two comp claims	$1594	$271
Cell phone violation	$1607	$268
Driving without lights	$1607	$273
Texting while driving	$1607	$268
Driving too slowly	$1614	$274
Speeding 11 - 15 MPH over limit	$1614	$270
Speeding 16 - 20 MPH over limit	$1614	$274
Speeding 6 - 10 MPH over limit	$1614	$270
Speeding in school zone	$1614	$274
Child safety restraint	$1620	$271
Failure to wear a seat belt	$1620	$275
In 65 MPH zone	$1627	$272
Failure to stop at a red light	$1634	$278
Failure to yield	$1634	$273
Following too closely	$1634	$278
Illegal turn	$1634	$273
Improper passing	$1634	$278
Speeding 21 - 25 MPH over limit	$1634	$273
Passing school bus	$1640	$279
Wrong way/wrong lane	$1640	$273
Operating a vehicle without permission	$1647	$281
At-fault accident - less than $1000	$1712	$285
Open container	$1927	$328
Driving with a suspended license	$2000	$333
Racing	$2118	$360
Reckless driving	$2118	$353
Leaving scene of an accident/hit and run	$2169	$369
At-fault accident - $1000-$2000	$2176	$363
Refusal to submit to a chemical test	$2241	$381
DUI	$2274	$380
At-fault accident - greater than $2000	$2365	$403

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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 Nederland 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 Nederland.

The cheapest car insurance premiums in Nederland are offered by Mercury at $562 for a six-month policy. However, it can be as expensive as $3405 with companies like Farmers.

Nederland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$562	$94
Foremost	$634	$108
Dairyland	$693	$116
AAA Texas	$732	$124
State Farm	$915	$154
Texas Farm Bureau	$1085	$185
Progressive	$1372	$231
USAA	$1405	$237
Allstate	$1791	$301
Nationwide	$1849	$315
Farmers	$3405	$568

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 Nederland are offered by State Farm at $509. However, it can be as expensive as $3705 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Nederland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$509	$86
Texas Farm Bureau	$562	$96
Mercury	$582	$97
AAA Texas	$620	$106
USAA	$817	$136
Allstate	$1104	$188
Progressive	$1902	$317
Farmers	$3705	$630

Car Insurance Price Trends in Nederland, Texas

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

The average cost of full coverage in the Nederland remained steady at $228 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Nederland remained steady at $70 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Nederland?

The car insurance in Nederland is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Nederland?

The cheapest car insurance in Nederland is $123 per month for full coverage.

How much is car insurance in Nederland for teenagers?

Car insurance for teenagers costs $373 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 Nederland?

The average cost of car insurance is $1116 for a six-month policy. It will cost around $208 per month to insure your car in Nederland.

Is car insurance expensive in Nederland?

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

Cheapest Car Insurance Quotes in Nederland

Why you can trust Way?

How Much Is Car Insurance in Nederland

Avg. Car Insurance in Nederland

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Nederland

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Nederland Car Insurance Rates by Company

Cheap Car Insurance Companies in Nederland, TX

Way's key takeaways about car insurance in Nederland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Nederland

Cheapest Liability Coverage in Nederland, TX

Cheapest Full Coverage Car Insurance in Nederland

Cheapest Full Coverage Car Insurance Quotes in Nederland, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Nederland by Rating Factor

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

Car Insurance Premiums by Age in Nederland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Nederland,TX

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

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 Nederland

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

Nederland Car Insurance Rates by Violation

Nederland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Nederland after a DUI

Nederland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Nederland after Speeding ticket

Car Insurance Price Trends in Nederland, Texas

Average Car Insurance Cost in Nederland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Nederland, TX

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

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