Cheapest Car Insurance Quotes in Presidio

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Presidio Car Insurance

^$ 39

/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 Presidio

The car insurance rate in Presidio is $942 for a six-month policy, which is $105 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $599, making it a popular choice for budget-conscious drivers. Rates in Presidio 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 Presidio

$942

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Presidio

1st place: Texas Farm Bureau

At $599 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 $711 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 $733 for six months, making it the third cheapest auto insurance company in Presidio.

Presidio Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Presidio, TX is Texas Farm Bureau, offering policies at just $599 for a six-month term. This is followed by Mercury, which has an average six-month premium of $711.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1022 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Presidio drivers find the best deals.

Cheap Car Insurance Companies in Presidio, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$599	$101
Mercury	$711	$121
State Farm	$733	$123
AAA Texas	$743	$126
USAA	$818	$138
Redpoint Insurance	$877	$149
Progressive	$1011	$170
Southern County Mutual	$1160	$197
Allstate	$1380	$232
Farmers	$2208	$375
Redpoint County Mutual	$860	$147
Geico County Mutual	$962	$164
Germania	$385	$64
AAA	$673	$113
National General	$1022	$170

Key Takeaways

Way's key takeaways about car insurance in Presidio

The auto insurance costs in Presidio fall around $599 for six months.
The cheapest auto insurance company in Presidio is Texas Farm Bureau.
Teen drivers pay the highest rate in Presidio at $66 per month.

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Cheapest Minimum Liability Car Insurance in Presidio

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 Presidio are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Presidio. Their Average 6 Month Premium is $230. Germania is the most expensive at $385 for the same period.

Cheapest Liability Coverage in Presidio, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$230	$39
USAA	$257	$43
Progressive	$267	$45
State Farm	$273	$46
Redpoint Insurance	$300	$50
Mercury	$347	$59
AAA Texas	$385	$64
Allstate	$529	$89
Farmers	$871	$145
Redpoint County Mutual	$289	$48
Geico County Mutual	$300	$51
National General	$331	$55
Germania	$385	$66

Cheapest Full Coverage Car Insurance in Presidio

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 Presidio is Texas Farm Bureau at $101 per month and $599 for six months.

Cheapest Full Coverage Car Insurance Quotes in Presidio, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$599	$101
Mercury	$711	$121
State Farm	$733	$123
AAA Texas	$743	$126
USAA	$818	$138
Redpoint Insurance	$877	$149
Progressive	$1011	$170
Southern County Mutual	$1160	$197
Allstate	$1380	$232
Farmers	$2208	$375
Redpoint County Mutual	$860	$147
Geico County Mutual	$962	$164
Germania	$385	$64
AAA	$673	$113
National General	$1022	$170

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Average Car Insurance in Presidio 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 Presidio, TX increasing?

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

Car Insurance Premiums by Age in Presidio

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	$629
40s	Nationwide	$625
50s	Texas Farm Bureau	$557
60s	Texas Farm Bureau	$515
70s	Texas Farm Bureau	$553

Cheapest Car Insurance Rates for Teen Drivers in Presidio,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Presidio at $50 per month. At $396 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	$305	$50
Southern County Mutual	$396	$68
Mercury	$428	$71
AAA Texas	$487	$83
Texas Farm Bureau	$1064	$179
USAA	$1160	$195
State Farm	$1203	$203
Allstate	$3020	$509
Progressive	$5153	$868
Farmers	$7206	$1225
Redpoint County Mutual	$294	$50
Geico County Mutual	$396	$66

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 Presidio.

As young drivers face the highest rates in Presidio, Texas Farm Bureau offers the cheapest auto insurance rates at $629 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 Presidio, Mercury is the cheapest car insurance provider. At $465 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 Presidio is State Farm, offering rates of around $4037 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$465	$79
Foremost	$556	$93
AAA Texas	$593	$101
Dairyland	$689	$115
Allstate	$904	$154
USAA	$925	$154
Texas Farm Bureau	$1042	$177
Progressive	$1444	$243
Farmers	$3657	$622
State Farm	$4037	$672

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Car Insurance Rates with An Accident in Presidio

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

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

The cheapest car insurance companies after an at-fault accident in Presidio include Redpoint Insurance and Southern County Mutual, offering $305 and $369, respectively. National General is an expensive provider with an average six-month premium of $518.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$305	$50
Southern County Mutual	$369	$63
State Farm	$567	$95
AAA Texas	$572	$97
Mercury	$695	$116
USAA	$850	$143
Texas Farm Bureau	$941	$158
Progressive	$1748	$294
Allstate	$1967	$331
Farmers	$6068	$1031
Redpoint County Mutual	$294	$49
Geico County Mutual	$369	$63
National General	$518	$88

Presidio Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Presidio TX. For example, the car insurance in Presidio after a DUI increases to $705 for a six month policy. While the rate increases by $165 for a six-month policy in the case of a speeding ticket.

Presidio auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1155	$193
One Med/PIP claim	$1166	$198
One comp claim	$1224	$204
Not-at-fault accident	$1235	$210
Two Med/PIP claims	$1240	$207
Failure to show documents	$1283	$218
Driving with expired registration	$1293	$216
Two comp claims	$1304	$221
Cell phone violation	$1315	$220
Driving without lights	$1315	$223
Texting while driving	$1315	$220
Driving too slowly	$1320	$224
Speeding 11 - 15 MPH over limit	$1320	$221
Speeding 16 - 20 MPH over limit	$1320	$224
Speeding 6 - 10 MPH over limit	$1320	$221
Speeding in school zone	$1320	$224
Child safety restraint	$1326	$221
Failure to wear a seat belt	$1326	$225
In 65 MPH zone	$1331	$222
Failure to stop at a red light	$1337	$228
Failure to yield	$1337	$223
Following too closely	$1337	$228
Illegal turn	$1337	$223
Improper passing	$1337	$228
Speeding 21 - 25 MPH over limit	$1337	$223
Passing school bus	$1342	$229
Wrong way/wrong lane	$1342	$223
Operating a vehicle without permission	$1347	$230
At-fault accident - less than $1000	$1400	$233
Open container	$1577	$268
Driving with a suspended license	$1636	$273
Racing	$1733	$294
Reckless driving	$1733	$289
Leaving scene of an accident/hit and run	$1775	$302
At-fault accident - $1000-$2000	$1780	$297
Refusal to submit to a chemical test	$1833	$311
DUI	$1860	$311
At-fault accident - greater than $2000	$1935	$329

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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 Presidio 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 Presidio.

The cheapest car insurance premiums in Presidio are offered by Mercury at $460 for a six-month policy. However, it can be as expensive as $2786 with companies like Farmers.

Presidio car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$460	$77
Foremost	$518	$88
Dairyland	$567	$95
AAA Texas	$599	$102
State Farm	$749	$126
Texas Farm Bureau	$887	$151
Progressive	$1122	$189
USAA	$1149	$194
Allstate	$1465	$247
Nationwide	$1513	$257
Farmers	$2786	$464

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 Presidio are offered by State Farm at $417. However, it can be as expensive as $3031 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Presidio after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$417	$70
Texas Farm Bureau	$460	$78
Mercury	$476	$79
AAA Texas	$508	$86
USAA	$669	$112
Allstate	$904	$154
Progressive	$1556	$259
Farmers	$3031	$516

Car Insurance Price Trends in Presidio, Texas

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

The average cost of full coverage in the Presidio remained steady at $186 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Presidio rose to $58 in December, compared to $56 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 Presidio?

The car insurance in Presidio is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Presidio?

The cheapest car insurance in Presidio is $101 per month for full coverage.

How much is car insurance in Presidio for teenagers?

Car insurance for teenagers costs $305 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 Presidio?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $159 per month to insure your car in Presidio.

Is car insurance expensive in Presidio?

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

Cheapest Car Insurance Quotes in Presidio

Why you can trust Way?

How Much Is Car Insurance in Presidio

Avg. Car Insurance in Presidio

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Presidio

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Presidio Car Insurance Rates by Company

Cheap Car Insurance Companies in Presidio, TX

Way's key takeaways about car insurance in Presidio

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Presidio

Cheapest Liability Coverage in Presidio, TX

Cheapest Full Coverage Car Insurance in Presidio

Cheapest Full Coverage Car Insurance Quotes in Presidio, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Presidio by Rating Factor

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

Car Insurance Premiums by Age in Presidio

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Presidio,TX

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

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 Presidio

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

Presidio Car Insurance Rates by Violation

Presidio auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Presidio after a DUI

Presidio car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Presidio after Speeding ticket

Car Insurance Price Trends in Presidio, Texas

Average Car Insurance Cost in Presidio by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Presidio, TX

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

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