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Finding the cheapest car insurance quotes in Salt Flat shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Salt Flat
The car insurance rate in Salt Flat is $990 for a six-month policy, which is $248 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $632, making it a popular choice for budget-conscious drivers. Rates in Salt Flat 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.
At $632 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 $656 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 $661
for six months, making it
the third cheapest auto insurance company in Salt Flat.
Salt Flat Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Salt Flat, TX is Mercury, offering policies at just $632 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $656.
At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $855 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Salt Flat drivers find the best deals.
Way's key takeaways about car insurance in Salt Flat
The auto insurance costs in Salt Flat fall around $632 for six
months.
The cheapest auto insurance company in Salt Flat is USAA.
Teen drivers pay the highest rate in Salt Flat at $58 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Salt Flat
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 Salt Flat are given below.
USAA provides
the cheapest minimum car insurance
coverage in Salt Flat. Their Average 6 Month Premium is $238.
Geico County Mutual is the most
expensive at $266 for the same
period.
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 Salt Flat is Mercury
at $106 per month and $632
for six months.
Cheapest Full Coverage Car Insurance Quotes in Salt Flat,
TX
Get Your Car Insurance Quote in Salt Flat
Instantly!
Average Car Insurance in Salt Flat 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 Salt Flat, TX increasing?
Despite maintaining a clean driving record, your car insurance rates
in Salt Flat, 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, Salt Flat's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Salt Flat
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
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Cheapest Car Insurance Rates for Teen Drivers in
Salt Flat,TX
If you are planning to get a car insurance policy for your teenage
dependent, Redpoint Insurance provides the cheapest car
insurance in the Salt Flat at $46
per
month. At $352 for a six-month premium,
Geico County Mutual offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Salt Flat.
As young drivers face the highest rates in Salt Flat, N/A
offers the cheapest auto insurance rates at $N/A 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 Salt Flat,
Mercury is
the cheapest car insurance provider. At $414 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
Salt Flat is Farmers, offering
rates of around $3250 for six
months.
Save up to $971/yr on car insurance rates in Salt Flat.
Car Insurance Rates with An Accident in Salt Flat
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 Salt Flat, TX,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Salt Flat
The cheapest car insurance companies after an at-fault accident in
Salt Flat include Redpoint Insurance
and Southern County Mutual, offering $271
and $328,
respectively. Geico County Mutual is an expensive provider
with an average six-month premium of
$328.
Here is a list of driving violations that can increase your car
insurance rates in Salt Flat TX. For example, the car
insurance in Salt Flat
after a DUI increases to $628 for a six
month policy. While the rate increases by $148 for a six-month policy in the case of
a speeding ticket.
Salt Flat auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1026
$171
One Med/PIP claim
$1036
$176
One comp claim
$1088
$182
Not-at-fault accident
$1098
$186
Two Med/PIP claims
$1102
$184
Failure to show documents
$1141
$194
Driving with expired registration
$1150
$192
Two comp claims
$1159
$197
Cell phone violation
$1169
$195
Driving without lights
$1169
$198
Texting while driving
$1169
$195
Driving too slowly
$1174
$199
Speeding 11 - 15 MPH over limit
$1174
$196
Speeding 16 - 20 MPH over limit
$1174
$199
Speeding 6 - 10 MPH over limit
$1174
$196
Speeding in school zone
$1174
$199
Child safety restraint
$1178
$197
Failure to wear a seat belt
$1178
$200
In 65 MPH zone
$1183
$198
Failure to stop at a red light
$1188
$202
Failure to yield
$1188
$198
Following too closely
$1188
$202
Illegal turn
$1188
$198
Improper passing
$1188
$202
Speeding 21 - 25 MPH over limit
$1188
$198
Passing school bus
$1193
$203
Wrong way/wrong lane
$1193
$198
Operating a vehicle without permission
$1198
$204
At-fault accident - less than $1000
$1245
$207
Open container
$1402
$238
Driving with a suspended license
$1454
$242
Racing
$1540
$262
Reckless driving
$1540
$257
Leaving scene of an accident/hit and run
$1578
$268
At-fault accident - $1000-$2000
$1582
$264
Refusal to submit to a chemical test
$1630
$277
DUI
$1654
$276
At-fault accident - greater than $2000
$1720
$293
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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 Salt Flat 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 Salt Flat.
The cheapest car insurance premiums in
Salt Flat are
offered by Mercury at $409 for a six-month policy.
However, it can be as
expensive as $2476 with companies
like Farmers.
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 Salt Flat are offered by Mercury
at $423. However,
it can be as expensive as $2694
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Salt Flat after Speeding ticket
Car insurance rates in Salt Flat have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Salt Flat rose by
$173 in January
compared to $166 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 Salt Flat rose to $56 in January,
compared to $51 in December.
This represents an increase of $5
when comparing January and December.
Average Car Insurance Cost in Salt Flat by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Salt Flat. At $1980 for a
six-month policy, insuring
your car at 79847 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Salt Flat?
The car insurance in Salt Flat is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Salt Flat?
The cheapest car insurance in Salt Flat
is $106 per month
for full coverage.
How much is car insurance in Salt Flat for teenagers?
Car insurance for teenagers costs $271 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
Salt Flat?
The average cost of car insurance is $1238 for a six-month
policy. It will cost around $166 per month to insure your
car in Salt Flat.
Is car insurance expensive in Salt Flat?
Car insurance can be expensive in Salt Flat if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Salt Flat can be
affordable.
What is the best car insurance in Salt Flat,
TX?
The best car insurance company in Salt Flat
TX is
Mercury, offering $632 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Salt Flat, TX
Car Insurance Rates by State in the USA (2025 Update)
Salt Flat Car Insurance
