Cheapest Car Insurance Quotes in Parker

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Parker Car Insurance

^$ 45

/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 Parker

The car insurance rate in Parker is $1099 for a six-month policy, which is $52 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $698, making it a popular choice for budget-conscious drivers. Rates in Parker 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 Parker

$1099

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Parker

1st place: Texas Farm Bureau

At $698 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 $830 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 $855 for six months, making it the third cheapest auto insurance company in Parker.

Parker Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Parker, TX is Texas Farm Bureau, offering policies at just $698 for a six-month term. This is followed by Mercury, which has an average six-month premium of $830.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1192 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Parker drivers find the best deals.

Cheap Car Insurance Companies in Parker, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$698	$118
Mercury	$830	$141
State Farm	$855	$144
AAA Texas	$867	$147
USAA	$954	$161
Redpoint Insurance	$1023	$174
Progressive	$1179	$198
Southern County Mutual	$1353	$230
Allstate	$1610	$271
Farmers	$2576	$438
Redpoint County Mutual	$1004	$171
Geico County Mutual	$1122	$191
Germania	$449	$75
AAA	$785	$131
National General	$1192	$198

Key Takeaways

Way's key takeaways about car insurance in Parker

The auto insurance costs in Parker fall around $698 for six months.
The cheapest auto insurance company in Parker is Texas Farm Bureau.
Teen drivers pay the highest rate in Parker at $77 per month.

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Cheapest Minimum Liability Car Insurance in Parker

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 Parker are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Parker. Their Average 6 Month Premium is $268. Germania is the most expensive at $449 for the same period.

Cheapest Liability Coverage in Parker, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$268	$45
USAA	$299	$50
Progressive	$312	$53
State Farm	$318	$54
Redpoint Insurance	$350	$58
Mercury	$405	$68
AAA Texas	$449	$75
Allstate	$617	$104
Farmers	$1016	$169
Redpoint County Mutual	$337	$56
Geico County Mutual	$350	$60
National General	$386	$64
Germania	$449	$77

Cheapest Full Coverage Car Insurance in Parker

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 Parker is Texas Farm Bureau at $118 per month and $698 for six months.

Cheapest Full Coverage Car Insurance Quotes in Parker, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$698	$118
Mercury	$830	$141
State Farm	$855	$144
AAA Texas	$867	$147
USAA	$954	$161
Redpoint Insurance	$1023	$174
Progressive	$1179	$198
Southern County Mutual	$1353	$230
Allstate	$1610	$271
Farmers	$2576	$438
Redpoint County Mutual	$1004	$171
Geico County Mutual	$1122	$191
Germania	$449	$75
AAA	$785	$131
National General	$1192	$198

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Average Car Insurance in Parker 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 Parker, TX increasing?

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

Car Insurance Premiums by Age in Parker

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	$734
40s	Nationwide	$729
50s	Texas Farm Bureau	$650
60s	Texas Farm Bureau	$601
70s	Texas Farm Bureau	$645

Cheapest Car Insurance Rates for Teen Drivers in Parker,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Parker at $59 per month. At $462 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	$356	$59
Southern County Mutual	$462	$79
Mercury	$499	$83
AAA Texas	$568	$97
Texas Farm Bureau	$1241	$209
USAA	$1353	$228
State Farm	$1404	$236
Allstate	$3524	$593
Progressive	$6012	$1012
Farmers	$8407	$1429
Redpoint County Mutual	$343	$59
Geico County Mutual	$462	$77

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 Parker.

As young drivers face the highest rates in Parker, Texas Farm Bureau offers the cheapest auto insurance rates at $734 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 Parker, 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 Parker is State Farm, offering rates of around $4709 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$543	$92
Foremost	$649	$108
AAA Texas	$692	$118
Dairyland	$804	$134
Allstate	$1054	$180
USAA	$1079	$180
Texas Farm Bureau	$1216	$207
Progressive	$1684	$284
Farmers	$4266	$726
State Farm	$4709	$784

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

Car Insurance Rates with An Accident in Parker

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

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

The cheapest car insurance companies after an at-fault accident in Parker include Redpoint Insurance and Southern County Mutual, offering $356 and $431, respectively. National General is an expensive provider with an average six-month premium of $605.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$356	$59
Southern County Mutual	$431	$74
State Farm	$662	$111
AAA Texas	$668	$113
Mercury	$811	$135
USAA	$991	$167
Texas Farm Bureau	$1097	$185
Progressive	$2039	$343
Allstate	$2295	$386
Farmers	$7079	$1203
Redpoint County Mutual	$343	$57
Geico County Mutual	$431	$74
National General	$605	$103

Parker Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Parker TX. For example, the car insurance in Parker 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.

Parker 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 Parker 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 Parker.

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

Parker 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	$874	$147
Texas Farm Bureau	$1035	$176
Progressive	$1309	$221
USAA	$1341	$226
Allstate	$1709	$288
Nationwide	$1765	$300
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 Parker are offered by State Farm at $486. However, it can be as expensive as $3536 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Parker after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$486	$82
Texas Farm Bureau	$537	$91
Mercury	$555	$92
AAA Texas	$592	$101
USAA	$780	$130
Allstate	$1054	$180
Progressive	$1815	$302
Farmers	$3536	$602

Car Insurance Price Trends in Parker, Texas

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

The average cost of full coverage in the Parker remained steady at $217 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Parker rose to $67 in December, compared to $65 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Parker?

The car insurance in Parker is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Parker?

The cheapest car insurance in Parker is $118 per month for full coverage.

How much is car insurance in Parker 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 Parker?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $186 per month to insure your car in Parker.

Is car insurance expensive in Parker?

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

Cheapest Car Insurance Quotes in Parker

Why you can trust Way?

How Much Is Car Insurance in Parker

Avg. Car Insurance in Parker

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Parker

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Parker Car Insurance Rates by Company

Cheap Car Insurance Companies in Parker, TX

Way's key takeaways about car insurance in Parker

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Parker

Cheapest Liability Coverage in Parker, TX

Cheapest Full Coverage Car Insurance in Parker

Cheapest Full Coverage Car Insurance Quotes in Parker, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Parker by Rating Factor

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

Car Insurance Premiums by Age in Parker

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Parker,TX

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

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 Parker

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

Parker Car Insurance Rates by Violation

Parker auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Parker after a DUI

Parker car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Parker after Speeding ticket

Car Insurance Price Trends in Parker, Texas

Average Car Insurance Cost in Parker by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Parker, TX

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

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