Cheapest Car Insurance Quotes in Pelican Bay

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Pelican Bay Car Insurance

^$ 45

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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 Pelican Bay

The car insurance rate in Pelican Bay is $1138 for a six-month policy, which is $141 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $703, making it a popular choice for budget-conscious drivers. Rates in Pelican Bay 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 Pelican Bay

$1138

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Pelican Bay

1st place: Mercury

At $703 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 $730 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 $735 for six months, making it the third cheapest auto insurance company in Pelican Bay.

Pelican Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pelican Bay, TX is Mercury, offering policies at just $703 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $730.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2183 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pelican Bay drivers find the best deals.

Cheap Car Insurance Companies in Pelican Bay, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$703	$117
Texas Farm Bureau	$730	$124
AAA Texas	$735	$123
State Farm	$761	$128
USAA	$830	$140
Redpoint Insurance	$867	$148
AAA	$1068	$178
Progressive	$1110	$187
Southern County Mutual	$1147	$191
Allstate	$2390	$402
Farmers	$2183	$371

Key Takeaways

Way's key takeaways about car insurance in Pelican Bay

The auto insurance costs in Pelican Bay fall around $703 for six months.
The cheapest auto insurance company in Pelican Bay is USAA.
Teen drivers pay the highest rate in Pelican Bay at $1211 per month.

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Cheapest Minimum Liability Car Insurance in Pelican Bay

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 Pelican Bay are given below.

USAA provides the cheapest minimum car insurance coverage in Pelican Bay. Their Average 6 Month Premium is $264. Farmers is the most expensive at $862 for the same period.

Cheapest Liability Coverage in Pelican Bay, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$264	$45
Texas Farm Bureau	$275	$47
State Farm	$286	$48
Redpoint Insurance	$296	$51
Mercury	$344	$58
AAA	$381	$65
AAA Texas	$381	$63
Progressive	$392	$66
Allstate	$825	$139
Farmers	$862	$143

Cheapest Full Coverage Car Insurance in Pelican Bay

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 Pelican Bay is Mercury at $117 per month and $703 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pelican Bay, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$703	$117
Texas Farm Bureau	$730	$124
AAA Texas	$735	$123
State Farm	$761	$128
USAA	$830	$140
Redpoint Insurance	$867	$148
AAA	$1068	$178
Progressive	$1110	$187
Southern County Mutual	$1147	$191
Allstate	$2390	$402
Farmers	$2183	$371

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Average Car Insurance in Pelican Bay 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 Pelican Bay, TX increasing?

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

Car Insurance Premiums by Age in Pelican Bay

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 Pelican Bay,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Pelican Bay at $52 per month. At $7126 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$302	$52
Southern County Mutual	$392	$65
Mercury	$423	$72
AAA Texas	$481	$80
USAA	$1210	$204
State Farm	$1290	$217
Texas Farm Bureau	$1354	$231
AAA	$2221	$370
Allstate	$4066	$684
Progressive	$5668	$954
Farmers	$7126	$1211

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 Pelican Bay, Mercury is the cheapest car insurance provider. At $460 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 Pelican Bay is Farmers, offering rates of around $3616 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$460	$77
Foremost	$550	$93
AAA Texas	$587	$98
Dairyland	$682	$116
USAA	$1025	$171
Progressive	$1469	$247
AAA	$1782	$297
Allstate	$4192	$713
State Farm	$5472	$912
Texas Farm Bureau	$1031	$175
Farmers	$3616	$615

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Car Insurance Rates with An Accident in Pelican Bay

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pelican Bay

The cheapest car insurance companies after an at-fault accident in Pelican Bay include Redpoint Insurance and Southern County Mutual, offering $302 and $365, respectively. Farmers is an expensive provider with an average six-month premium of $6000.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$302	$50
Southern County Mutual	$365	$62
AAA Texas	$566	$94
State Farm	$608	$102
Mercury	$687	$115
USAA	$878	$148
Texas Farm Bureau	$1142	$190
AAA	$1813	$308
Progressive	$1940	$327
Allstate	$3780	$636
Farmers	$6000	$1020

Pelican Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pelican Bay TX. For example, the car insurance in Pelican Bay after a DUI increases to $698 for a six month policy. While the rate increases by $164 for a six-month policy in the case of a speeding ticket.

Pelican Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1142	$190
One Med/PIP claim	$1153	$196
One comp claim	$1210	$202
Not-at-fault accident	$1221	$207
Two Med/PIP claims	$1226	$205
Failure to show documents	$1269	$215
Driving with expired registration	$1279	$214
Two comp claims	$1290	$219
Cell phone violation	$1300	$217
Driving without lights	$1300	$221
Texting while driving	$1300	$217
Driving too slowly	$1306	$222
Speeding 11 - 15 MPH over limit	$1306	$218
Speeding 16 - 20 MPH over limit	$1306	$222
Speeding 6 - 10 MPH over limit	$1306	$218
Speeding in school zone	$1306	$222
Child safety restraint	$1311	$219
Failure to wear a seat belt	$1311	$223
In 65 MPH zone	$1316	$220
Failure to stop at a red light	$1322	$225
Failure to yield	$1322	$221
Following too closely	$1322	$225
Illegal turn	$1322	$221
Improper passing	$1322	$225
Speeding 21 - 25 MPH over limit	$1322	$221
Passing school bus	$1327	$226
Wrong way/wrong lane	$1327	$221
Operating a vehicle without permission	$1332	$227
At-fault accident - less than $1000	$1385	$231
Open container	$1559	$265
Driving with a suspended license	$1618	$270
Racing	$1713	$291
Reckless driving	$1713	$286
Leaving scene of an accident/hit and run	$1755	$298
At-fault accident - $1000-$2000	$1760	$294
Refusal to submit to a chemical test	$1813	$308
DUI	$1840	$307
At-fault accident - greater than $2000	$1914	$326

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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 Pelican Bay 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 Pelican Bay.

The cheapest car insurance premiums in Pelican Bay are offered by Mercury at $455 for a six-month policy. However, it can be as expensive as $2755 with companies like Farmers.

Pelican Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$455	$76
Foremost	$513	$87
Dairyland	$561	$93
AAA Texas	$592	$101
State Farm	$777	$131
USAA	$1210	$204
Progressive	$1237	$208
Nationwide	$1496	$255
AAA	$2744	$457
Allstate	$3125	$526
Texas Farm Bureau	$878	$150
Farmers	$2755	$459

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 Pelican Bay are offered by Mercury at $471. However, it can be as expensive as $2998 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pelican Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$471	$78
State Farm	$486	$82
AAA Texas	$502	$84
USAA	$746	$126
AAA	$1813	$303
Progressive	$1935	$329
Allstate	$2940	$490
Texas Farm Bureau	$455	$77
Farmers	$2998	$510

Car Insurance Price Trends in Pelican Bay, Texas

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

The average cost of full coverage in the Pelican Bay remained steady at $192 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Pelican Bay remained steady at $62 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 Pelican Bay?

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

What is the cheapest car insurance in Pelican Bay?

The cheapest car insurance in Pelican Bay is $117 per month for full coverage.

How much is car insurance in Pelican Bay for teenagers?

Car insurance for teenagers costs $302 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 Pelican Bay?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $191 per month to insure your car in Pelican Bay.

Is car insurance expensive in Pelican Bay?

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

Cheapest Car Insurance Quotes in Pelican Bay

Why you can trust Way?

How Much Is Car Insurance in Pelican Bay

Avg. Car Insurance in Pelican Bay

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Pelican Bay

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Pelican Bay Car Insurance Rates by Company

Cheap Car Insurance Companies in Pelican Bay, TX

Way's key takeaways about car insurance in Pelican Bay

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pelican Bay

Cheapest Liability Coverage in Pelican Bay, TX

Cheapest Full Coverage Car Insurance in Pelican Bay

Cheapest Full Coverage Car Insurance Quotes in Pelican Bay, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pelican Bay by Rating Factor

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

Car Insurance Premiums by Age in Pelican Bay

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pelican Bay,TX

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

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 Pelican Bay

Cheapest Car Insurance Companies after an At-Fault Accident in Pelican Bay

Pelican Bay Car Insurance Rates by Violation

Pelican Bay auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pelican Bay after a DUI

Pelican Bay car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pelican Bay after Speeding ticket

Car Insurance Price Trends in Pelican Bay, Texas

Average Car Insurance Cost in Pelican Bay by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pelican Bay, TX

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

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