Cheapest Car Insurance Quotes in Presidio

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Presidio Car Insurance

^$ 40

/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 $978 for a six-month policy, which is $260 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $624, 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

$978

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Presidio

1st place: Mercury

At $624 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 $648 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 $653 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 Mercury, offering policies at just $624 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $648.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $845 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
Mercury	$624	$104
Texas Farm Bureau	$648	$110
AAA Texas	$653	$109
State Farm	$675	$114
USAA	$737	$124
Redpoint Insurance	$769	$131
AAA	$948	$158
Progressive	$985	$166
Southern County Mutual	$1018	$170
Allstate	$2121	$357
Farmers	$1938	$329
Redpoint County Mutual	$755	$129
Geico County Mutual	$845	$144

Key Takeaways

Way's key takeaways about car insurance in Presidio

The auto insurance costs in Presidio fall around $624 for six months.
The cheapest auto insurance company in Presidio is USAA.
Teen drivers pay the highest rate in Presidio at $58 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.

USAA provides the cheapest minimum car insurance coverage in Presidio. Their Average 6 Month Premium is $235. Geico County Mutual is the most expensive at $263 for the same period.

Cheapest Liability Coverage in Presidio, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$235	$40
Texas Farm Bureau	$244	$42
State Farm	$254	$43
Redpoint Insurance	$263	$45
Mercury	$305	$51
AAA	$338	$58
AAA Texas	$338	$56
Progressive	$348	$58
Allstate	$732	$123
Farmers	$765	$127
Redpoint County Mutual	$254	$42
Geico County Mutual	$263	$45

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 Mercury at $104 per month and $624 for six months.

Cheapest Full Coverage Car Insurance Quotes in Presidio, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$624	$104
Texas Farm Bureau	$648	$110
AAA Texas	$653	$109
State Farm	$675	$114
USAA	$737	$124
Redpoint Insurance	$769	$131
AAA	$948	$158
Progressive	$985	$166
Southern County Mutual	$1018	$170
Allstate	$2121	$357
Farmers	$1938	$329
Redpoint County Mutual	$755	$129
Geico County Mutual	$845	$144

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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

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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 $46 per month. At $348 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	$268	$46
Southern County Mutual	$348	$58
Mercury	$375	$64
AAA Texas	$427	$71
USAA	$1074	$181
State Farm	$1145	$193
Texas Farm Bureau	$1202	$205
AAA	$1971	$329
Allstate	$3609	$608
Progressive	$5031	$847
Farmers	$6326	$1075
Redpoint County Mutual	$258	$44
Geico County Mutual	$348	$58

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 Presidio, Mercury is the cheapest car insurance provider. At $408 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 Farmers, offering rates of around $3210 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$408	$68
Foremost	$488	$83
AAA Texas	$521	$87
Dairyland	$605	$103
USAA	$910	$152
Progressive	$1304	$220
AAA	$1582	$264
Allstate	$3721	$633
State Farm	$4857	$810
Texas Farm Bureau	$915	$156
Farmers	$3210	$546

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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 $268 and $324, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $324.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$268	$44
Southern County Mutual	$324	$55
AAA Texas	$502	$84
State Farm	$540	$91
Mercury	$610	$102
USAA	$779	$131
Texas Farm Bureau	$1014	$169
AAA	$1609	$273
Progressive	$1722	$290
Allstate	$3355	$565
Farmers	$5326	$905
Redpoint County Mutual	$258	$43
Geico County Mutual	$324	$55

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 $619 for a six month policy. While the rate increases by $145 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	$1014	$169
One Med/PIP claim	$1023	$174
One comp claim	$1074	$179
Not-at-fault accident	$1084	$184
Two Med/PIP claims	$1089	$182
Failure to show documents	$1127	$191
Driving with expired registration	$1135	$190
Two comp claims	$1145	$194
Cell phone violation	$1154	$193
Driving without lights	$1154	$196
Texting while driving	$1154	$193
Driving too slowly	$1159	$197
Speeding 11 - 15 MPH over limit	$1159	$194
Speeding 16 - 20 MPH over limit	$1159	$197
Speeding 6 - 10 MPH over limit	$1159	$194
Speeding in school zone	$1159	$197
Child safety restraint	$1164	$194
Failure to wear a seat belt	$1164	$198
In 65 MPH zone	$1168	$195
Failure to stop at a red light	$1173	$200
Failure to yield	$1173	$196
Following too closely	$1173	$200
Illegal turn	$1173	$196
Improper passing	$1173	$200
Speeding 21 - 25 MPH over limit	$1173	$196
Passing school bus	$1178	$201
Wrong way/wrong lane	$1178	$196
Operating a vehicle without permission	$1183	$201
At-fault accident - less than $1000	$1229	$205
Open container	$1384	$235
Driving with a suspended license	$1436	$239
Racing	$1521	$258
Reckless driving	$1521	$254
Leaving scene of an accident/hit and run	$1558	$265
At-fault accident - $1000-$2000	$1563	$261
Refusal to submit to a chemical test	$1609	$273
DUI	$1633	$273
At-fault accident - greater than $2000	$1699	$289

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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 $404 for a six-month policy. However, it can be as expensive as $2445 with companies like Farmers.

Presidio car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$404	$67
Foremost	$455	$77
Dairyland	$498	$83
AAA Texas	$525	$89
State Farm	$690	$116
USAA	$1074	$181
Progressive	$1098	$185
Nationwide	$1328	$226
AAA	$2436	$406
Allstate	$2774	$467
Texas Farm Bureau	$779	$133
Farmers	$2445	$408

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 Mercury at $418. However, it can be as expensive as $2661 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
Mercury	$418	$70
State Farm	$431	$73
AAA Texas	$446	$74
USAA	$662	$112
AAA	$1609	$269
Progressive	$1717	$292
Allstate	$2609	$435
Texas Farm Bureau	$404	$69
Farmers	$2661	$453

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 rose by $171 in January compared to $164 of December. In other words, there has been an increase by $7 when you compare January and December.

The average cost of liability insurance in the Presidio rose to $55 in January, compared to $51 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Presidio?

The car insurance in Presidio is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Presidio?

The cheapest car insurance in Presidio is $104 per month for full coverage.

How much is car insurance in Presidio for teenagers?

Car insurance for teenagers costs $268 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 $1238 for a six-month policy. It will cost around $164 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: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

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 N/A 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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