Cheapest Car Insurance Quotes in Pecan Grove

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Pecan Grove Car Insurance

^$ 48

/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 Pecan Grove

The car insurance rate in Pecan Grove is $1239 for a six-month policy, which is $123 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $738, making it a popular choice for budget-conscious drivers. Rates in Pecan Grove 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 Pecan Grove

$1239

Avg. Car Insurance in Texas

$1116

National Average

$1140

Cheapest Car Insurance Companies in Pecan Grove

1st place: Texas Farm Bureau

At $738 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 $877 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 $904 for six months, making it the third cheapest auto insurance company in Pecan Grove.

Pecan Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pecan Grove, TX is Texas Farm Bureau, offering policies at just $738 for a six-month term. This is followed by Mercury, which has an average six-month premium of $877.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1187 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pecan Grove drivers find the best deals.

Cheap Car Insurance Companies in Pecan Grove, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$738	$124
Mercury	$877	$149
State Farm	$904	$152
AAA Texas	$917	$155
USAA	$1009	$170
Redpoint Insurance	$1081	$184
Progressive	$1247	$210
Southern County Mutual	$1431	$243
Allstate	$1702	$286
Farmers	$2723	$463
Redpoint County Mutual	$1061	$181
Geico County Mutual	$1187	$202

Key Takeaways

Way's key takeaways about car insurance in Pecan Grove

The auto insurance costs in Pecan Grove fall around $738 for six months.
The cheapest auto insurance company in Pecan Grove is Texas Farm Bureau.
Teen drivers pay the highest rate in Pecan Grove at $81 per month.

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

Cheapest Minimum Liability Car Insurance in Pecan Grove

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 Pecan Grove are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Pecan Grove. Their Average 6 Month Premium is $283. Geico County Mutual is the most expensive at $370 for the same period.

Cheapest Liability Coverage in Pecan Grove, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$283	$48
USAA	$316	$53
Progressive	$330	$56
State Farm	$336	$57
Redpoint Insurance	$370	$61
Mercury	$428	$72
AAA Texas	$475	$79
Allstate	$653	$110
Farmers	$1074	$179
Redpoint County Mutual	$356	$59
Geico County Mutual	$370	$63

Cheapest Full Coverage Car Insurance in Pecan Grove

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 Pecan Grove is Texas Farm Bureau at $124 per month and $738 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pecan Grove, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$738	$124
Mercury	$877	$149
State Farm	$904	$152
AAA Texas	$917	$155
USAA	$1009	$170
Redpoint Insurance	$1081	$184
Progressive	$1247	$210
Southern County Mutual	$1431	$243
Allstate	$1702	$286
Farmers	$2723	$463
Redpoint County Mutual	$1061	$181
Geico County Mutual	$1187	$202

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Average Car Insurance in Pecan Grove 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 Pecan Grove, TX increasing?

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

Car Insurance Premiums by Age in Pecan Grove

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	$776
40s	Nationwide	$770
50s	Texas Farm Bureau	$687
60s	Texas Farm Bureau	$635
70s	Texas Farm Bureau	$682

Cheapest Car Insurance Rates for Teen Drivers in Pecan Grove,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Pecan Grove at $62 per month. At $488 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	$376	$62
Southern County Mutual	$488	$83
Mercury	$527	$88
AAA Texas	$601	$102
Texas Farm Bureau	$1312	$221
USAA	$1431	$241
State Farm	$1484	$250
Allstate	$3725	$627
Progressive	$6356	$1070
Farmers	$8888	$1511
Redpoint County Mutual	$363	$62
Geico County Mutual	$488	$81

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 Pecan Grove.

As young drivers face the highest rates in Pecan Grove, Texas Farm Bureau offers the cheapest auto insurance rates at $776 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 Pecan Grove, Mercury is the cheapest car insurance provider. At $574 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 Pecan Grove is State Farm, offering rates of around $4978 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$574	$98
Foremost	$686	$114
AAA Texas	$731	$124
Dairyland	$850	$142
Allstate	$1114	$190
USAA	$1141	$190
Texas Farm Bureau	$1285	$219
Progressive	$1780	$300
Farmers	$4510	$767
State Farm	$4978	$829

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Car Insurance Rates with An Accident in Pecan Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pecan Grove

The cheapest car insurance companies after an at-fault accident in Pecan Grove include Redpoint Insurance and Southern County Mutual, offering $376 and $455, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $455.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$376	$62
Southern County Mutual	$455	$78
State Farm	$699	$118
AAA Texas	$706	$120
Mercury	$857	$143
USAA	$1048	$176
Texas Farm Bureau	$1160	$195
Progressive	$2156	$363
Allstate	$2426	$408
Farmers	$7484	$1272
Redpoint County Mutual	$363	$60
Geico County Mutual	$455	$78

Pecan Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pecan Grove TX. For example, the car insurance in Pecan Grove after a DUI increases to $870 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Pecan Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1424	$238
One Med/PIP claim	$1437	$244
One comp claim	$1510	$252
Not-at-fault accident	$1523	$259
Two Med/PIP claims	$1530	$255
Failure to show documents	$1583	$269
Driving with expired registration	$1595	$266
Two comp claims	$1608	$273
Cell phone violation	$1622	$271
Driving without lights	$1622	$275
Texting while driving	$1622	$271
Driving too slowly	$1628	$276
Speeding 11 - 15 MPH over limit	$1628	$272
Speeding 16 - 20 MPH over limit	$1628	$276
Speeding 6 - 10 MPH over limit	$1628	$272
Speeding in school zone	$1628	$276
Child safety restraint	$1635	$273
Failure to wear a seat belt	$1635	$278
In 65 MPH zone	$1642	$274
Failure to stop at a red light	$1648	$281
Failure to yield	$1648	$275
Following too closely	$1648	$281
Illegal turn	$1648	$275
Improper passing	$1648	$281
Speeding 21 - 25 MPH over limit	$1648	$275
Passing school bus	$1655	$282
Wrong way/wrong lane	$1655	$275
Operating a vehicle without permission	$1662	$283
At-fault accident - less than $1000	$1727	$287
Open container	$1945	$331
Driving with a suspended license	$2018	$336
Racing	$2137	$363
Reckless driving	$2137	$356
Leaving scene of an accident/hit and run	$2189	$372
At-fault accident - $1000-$2000	$2196	$366
Refusal to submit to a chemical test	$2261	$384
DUI	$2294	$383
At-fault accident - greater than $2000	$2387	$406

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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 Pecan Grove 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 Pecan Grove.

The cheapest car insurance premiums in Pecan Grove are offered by Mercury at $567 for a six-month policy. However, it can be as expensive as $3435 with companies like Farmers.

Pecan Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$567	$94
Foremost	$639	$109
Dairyland	$699	$117
AAA Texas	$738	$125
State Farm	$924	$155
Texas Farm Bureau	$1094	$186
Progressive	$1384	$233
USAA	$1417	$239
Allstate	$1807	$304
Nationwide	$1866	$317
Farmers	$3435	$573

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 Pecan Grove are offered by State Farm at $514. However, it can be as expensive as $3738 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pecan Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$514	$87
Texas Farm Bureau	$567	$97
Mercury	$587	$98
AAA Texas	$626	$107
USAA	$825	$138
Allstate	$1114	$190
Progressive	$1919	$320
Farmers	$3738	$636

Car Insurance Price Trends in Pecan Grove, Texas

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

The average cost of full coverage in the Pecan Grove remained steady at $230 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Pecan Grove remained steady at $71 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 Pecan Grove?

The car insurance in Pecan Grove is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Pecan Grove?

The cheapest car insurance in Pecan Grove is $124 per month for full coverage.

How much is car insurance in Pecan Grove for teenagers?

Car insurance for teenagers costs $376 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 Pecan Grove?

The average cost of car insurance is $1116 for a six-month policy. It will cost around $210 per month to insure your car in Pecan Grove.

Is car insurance expensive in Pecan Grove?

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

Cheapest Car Insurance Quotes in Pecan Grove

Why you can trust Way?

How Much Is Car Insurance in Pecan Grove

Avg. Car Insurance in Pecan Grove

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Pecan Grove

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Pecan Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Pecan Grove, TX

Way's key takeaways about car insurance in Pecan Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pecan Grove

Cheapest Liability Coverage in Pecan Grove, TX

Cheapest Full Coverage Car Insurance in Pecan Grove

Cheapest Full Coverage Car Insurance Quotes in Pecan Grove, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pecan Grove by Rating Factor

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

Car Insurance Premiums by Age in Pecan Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pecan Grove,TX

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

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 Pecan Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Pecan Grove

Pecan Grove Car Insurance Rates by Violation

Pecan Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pecan Grove after a DUI

Pecan Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pecan Grove after Speeding ticket

Car Insurance Price Trends in Pecan Grove, Texas

Average Car Insurance Cost in Pecan Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pecan Grove, TX

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

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