Cheapest Car Insurance Quotes in Paloma Creek South

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Paloma Creek South Car Insurance

^$ 53

/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 Paloma Creek South

The car insurance rate in Paloma Creek South is $1343 for a six-month policy, which is $64 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $830, making it a popular choice for budget-conscious drivers. Rates in Paloma Creek South 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 Paloma Creek South

$1343

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Paloma Creek South

1st place: Mercury

At $830 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 $861 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 $867 for six months, making it the third cheapest auto insurance company in Paloma Creek South.

Paloma Creek South Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Paloma Creek South, TX is Mercury, offering policies at just $830 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $861.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2576 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Paloma Creek South drivers find the best deals.

Cheap Car Insurance Companies in Paloma Creek South, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$830	$139
Texas Farm Bureau	$861	$146
AAA Texas	$867	$145
State Farm	$898	$151
USAA	$980	$165
Redpoint Insurance	$1023	$174
AAA	$1260	$210
Progressive	$1309	$221
Southern County Mutual	$1353	$226
Allstate	$2819	$475
Farmers	$2576	$438

Key Takeaways

Way's key takeaways about car insurance in Paloma Creek South

The auto insurance costs in Paloma Creek South fall around $830 for six months.
The cheapest auto insurance company in Paloma Creek South is USAA.
Teen drivers pay the highest rate in Paloma Creek South at $1429 per month.

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Cheapest Minimum Liability Car Insurance in Paloma Creek South

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 Paloma Creek South are given below.

USAA provides the cheapest minimum car insurance coverage in Paloma Creek South. Their Average 6 Month Premium is $312. Farmers is the most expensive at $1016 for the same period.

Cheapest Liability Coverage in Paloma Creek South, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$312	$53
Texas Farm Bureau	$324	$56
State Farm	$337	$57
Redpoint Insurance	$350	$60
Mercury	$405	$68
AAA	$449	$77
AAA Texas	$449	$75
Progressive	$462	$78
Allstate	$973	$164
Farmers	$1016	$169

Cheapest Full Coverage Car Insurance in Paloma Creek South

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 Paloma Creek South is Mercury at $139 per month and $830 for six months.

Cheapest Full Coverage Car Insurance Quotes in Paloma Creek South, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$830	$139
Texas Farm Bureau	$861	$146
AAA Texas	$867	$145
State Farm	$898	$151
USAA	$980	$165
Redpoint Insurance	$1023	$174
AAA	$1260	$210
Progressive	$1309	$221
Southern County Mutual	$1353	$226
Allstate	$2819	$475
Farmers	$2576	$438

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Average Car Insurance in Paloma Creek South 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 Paloma Creek South, TX increasing?

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

Car Insurance Premiums by Age in Paloma Creek South

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 Paloma Creek South,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Paloma Creek South at $61 per month. At $8407 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$356	$61
Southern County Mutual	$462	$77
Mercury	$499	$85
AAA Texas	$568	$95
USAA	$1428	$240
State Farm	$1521	$256
Texas Farm Bureau	$1597	$272
AAA	$2620	$437
Allstate	$4796	$807
Progressive	$6686	$1126
Farmers	$8407	$1429

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 Paloma Creek South, Mercury is the cheapest car insurance provider. At $543 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 Paloma Creek South is Farmers, offering rates of around $4266 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$543	$90
Foremost	$649	$110
AAA Texas	$692	$116
Dairyland	$804	$137
USAA	$1210	$202
Progressive	$1734	$292
AAA	$2102	$351
Allstate	$4946	$841
State Farm	$6455	$1076
Texas Farm Bureau	$1216	$207
Farmers	$4266	$726

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Car Insurance Rates with An Accident in Paloma Creek South

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 Paloma Creek South, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Paloma Creek South

The cheapest car insurance companies after an at-fault accident in Paloma Creek South include Redpoint Insurance and Southern County Mutual, offering $356 and $431, respectively. Farmers is an expensive provider with an average six-month premium of $7079.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$356	$59
Southern County Mutual	$431	$74
AAA Texas	$668	$111
State Farm	$717	$121
Mercury	$811	$135
USAA	$1035	$174
Texas Farm Bureau	$1347	$225
AAA	$2139	$363
Progressive	$2289	$385
Allstate	$4459	$751
Farmers	$7079	$1203

Paloma Creek South Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Paloma Creek South TX. For example, the car insurance in Paloma Creek South after a DUI increases to $823 for a six month policy. While the rate increases by $193 for a six-month policy in the case of a speeding ticket.

Paloma Creek South auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1347	$225
One Med/PIP claim	$1360	$231
One comp claim	$1428	$238
Not-at-fault accident	$1441	$245
Two Med/PIP claims	$1447	$242
Failure to show documents	$1497	$254
Driving with expired registration	$1509	$252
Two comp claims	$1521	$258
Cell phone violation	$1534	$256
Driving without lights	$1534	$260
Texting while driving	$1534	$256
Driving too slowly	$1540	$261
Speeding 11 - 15 MPH over limit	$1540	$257
Speeding 16 - 20 MPH over limit	$1540	$261
Speeding 6 - 10 MPH over limit	$1540	$257
Speeding in school zone	$1540	$261
Child safety restraint	$1547	$258
Failure to wear a seat belt	$1547	$263
In 65 MPH zone	$1553	$259
Failure to stop at a red light	$1559	$266
Failure to yield	$1559	$260
Following too closely	$1559	$266
Illegal turn	$1559	$260
Improper passing	$1559	$266
Speeding 21 - 25 MPH over limit	$1559	$260
Passing school bus	$1566	$267
Wrong way/wrong lane	$1566	$260
Operating a vehicle without permission	$1572	$268
At-fault accident - less than $1000	$1634	$272
Open container	$1840	$313
Driving with a suspended license	$1909	$318
Racing	$2021	$343
Reckless driving	$2021	$337
Leaving scene of an accident/hit and run	$2071	$352
At-fault accident - $1000-$2000	$2077	$347
Refusal to submit to a chemical test	$2139	$363
DUI	$2170	$362
At-fault accident - greater than $2000	$2258	$384

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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 Paloma Creek South 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 Paloma Creek South.

The cheapest car insurance premiums in Paloma Creek South are offered by Mercury at $537 for a six-month policy. However, it can be as expensive as $3250 with companies like Farmers.

Paloma Creek South car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$537	$89
Foremost	$605	$103
Dairyland	$662	$110
AAA Texas	$698	$119
State Farm	$917	$154
USAA	$1428	$240
Progressive	$1460	$246
Nationwide	$1765	$300
AAA	$3237	$540
Allstate	$3687	$621
Texas Farm Bureau	$1035	$176
Farmers	$3250	$542

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 Paloma Creek South are offered by Mercury at $555. However, it can be as expensive as $3536 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Paloma Creek South after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$555	$92
State Farm	$573	$97
AAA Texas	$592	$99
USAA	$880	$149
AAA	$2139	$357
Progressive	$2283	$389
Allstate	$3468	$578
Texas Farm Bureau	$537	$91
Farmers	$3536	$602

Car Insurance Price Trends in Paloma Creek South, Texas

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

The average cost of full coverage in the Paloma Creek South remained steady at $227 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Paloma Creek South remained steady at $74 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Paloma Creek South?

The car insurance in Paloma Creek South is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Paloma Creek South?

The cheapest car insurance in Paloma Creek South is $139 per month for full coverage.

How much is car insurance in Paloma Creek South for teenagers?

Car insurance for teenagers costs $356 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 Paloma Creek South?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $226 per month to insure your car in Paloma Creek South.

Is car insurance expensive in Paloma Creek South?

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

Cheapest Car Insurance Quotes in Paloma Creek South

Why you can trust Way?

How Much Is Car Insurance in Paloma Creek South

Avg. Car Insurance in Paloma Creek South

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Paloma Creek South

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Paloma Creek South Car Insurance Rates by Company

Cheap Car Insurance Companies in Paloma Creek South, TX

Way's key takeaways about car insurance in Paloma Creek South

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Paloma Creek South

Cheapest Liability Coverage in Paloma Creek South, TX

Cheapest Full Coverage Car Insurance in Paloma Creek South

Cheapest Full Coverage Car Insurance Quotes in Paloma Creek South, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Paloma Creek South by Rating Factor

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

Car Insurance Premiums by Age in Paloma Creek South

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Paloma Creek South,TX

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

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 Paloma Creek South

Cheapest Car Insurance Companies after an At-Fault Accident in Paloma Creek South

Paloma Creek South Car Insurance Rates by Violation

Paloma Creek South auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Paloma Creek South after a DUI

Paloma Creek South car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Paloma Creek South after Speeding ticket

Car Insurance Price Trends in Paloma Creek South, Texas

Average Car Insurance Cost in Paloma Creek South by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Paloma Creek South, TX

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

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