Cheapest Car Insurance Quotes in Seven Points

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Seven Points Car Insurance

^$ 45

/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 Seven Points

The car insurance rate in Seven Points is $1151 for a six-month policy, which is $128 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $711, making it a popular choice for budget-conscious drivers. Rates in Seven Points 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 Seven Points

$1151

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Seven Points

1st place: Mercury

At $711 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 $738 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 $743 for six months, making it the third cheapest auto insurance company in Seven Points.

Seven Points Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Seven Points, TX is Mercury, offering policies at just $711 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $738.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2208 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Seven Points drivers find the best deals.

Cheap Car Insurance Companies in Seven Points, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$711	$119
Texas Farm Bureau	$738	$125
AAA Texas	$743	$124
State Farm	$770	$130
USAA	$840	$141
Redpoint Insurance	$877	$149
AAA	$1080	$180
Progressive	$1122	$189
Southern County Mutual	$1160	$194
Allstate	$2417	$407
Farmers	$2208	$375

Key Takeaways

Way's key takeaways about car insurance in Seven Points

The auto insurance costs in Seven Points fall around $711 for six months.
The cheapest auto insurance company in Seven Points is USAA.
Teen drivers pay the highest rate in Seven Points at $1225 per month.

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

Cheapest Minimum Liability Car Insurance in Seven Points

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 Seven Points are given below.

USAA provides the cheapest minimum car insurance coverage in Seven Points. Their Average 6 Month Premium is $267. Farmers is the most expensive at $871 for the same period.

Cheapest Liability Coverage in Seven Points, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$267	$45
Texas Farm Bureau	$278	$48
State Farm	$289	$49
Redpoint Insurance	$300	$51
Mercury	$347	$59
AAA	$385	$66
AAA Texas	$385	$64
Progressive	$396	$67
Allstate	$834	$140
Farmers	$871	$145

Cheapest Full Coverage Car Insurance in Seven Points

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 Seven Points is Mercury at $119 per month and $711 for six months.

Cheapest Full Coverage Car Insurance Quotes in Seven Points, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$711	$119
Texas Farm Bureau	$738	$125
AAA Texas	$743	$124
State Farm	$770	$130
USAA	$840	$141
Redpoint Insurance	$877	$149
AAA	$1080	$180
Progressive	$1122	$189
Southern County Mutual	$1160	$194
Allstate	$2417	$407
Farmers	$2208	$375

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Average Car Insurance in Seven Points 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 Seven Points, TX increasing?

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

Car Insurance Premiums by Age in Seven Points

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 Seven Points,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Seven Points at $52 per month. At $7206 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$305	$52
Southern County Mutual	$396	$66
Mercury	$428	$73
AAA Texas	$487	$81
USAA	$1224	$206
State Farm	$1304	$220
Texas Farm Bureau	$1369	$233
AAA	$2246	$374
Allstate	$4111	$692
Progressive	$5731	$965
Farmers	$7206	$1225

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 Seven Points, 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 Seven Points is Farmers, offering rates of around $3657 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$465	$77
Foremost	$556	$95
AAA Texas	$593	$99
Dairyland	$689	$117
USAA	$1037	$173
Progressive	$1486	$250
AAA	$1802	$301
Allstate	$4239	$721
State Farm	$5533	$923
Texas Farm Bureau	$1042	$177
Farmers	$3657	$622

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Save up to $971/yr on car insurance rates in Seven Points.

Car Insurance Rates with An Accident in Seven Points

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

Cheapest Car Insurance Companies after an At-Fault Accident in Seven Points

The cheapest car insurance companies after an at-fault accident in Seven Points include Redpoint Insurance and Southern County Mutual, offering $305 and $369, respectively. Farmers is an expensive provider with an average six-month premium of $6068.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$305	$50
Southern County Mutual	$369	$63
AAA Texas	$572	$95
State Farm	$615	$104
Mercury	$695	$116
USAA	$887	$149
Texas Farm Bureau	$1155	$193
AAA	$1833	$311
Progressive	$1962	$330
Allstate	$3822	$644
Farmers	$6068	$1031

Seven Points Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Seven Points TX. For example, the car insurance in Seven Points 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.

Seven Points 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 Seven Points 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 Seven Points.

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

Seven Points 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	$786	$132
USAA	$1224	$206
Progressive	$1251	$211
Nationwide	$1513	$257
AAA	$2775	$463
Allstate	$3160	$532
Texas Farm Bureau	$887	$151
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 Seven Points are offered by Mercury at $476. However, it can be as expensive as $3031 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Seven Points after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$476	$79
State Farm	$491	$83
AAA Texas	$508	$85
USAA	$754	$128
AAA	$1833	$306
Progressive	$1957	$333
Allstate	$2973	$495
Texas Farm Bureau	$460	$78
Farmers	$3031	$516

Car Insurance Price Trends in Seven Points, Texas

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

The average cost of full coverage in the Seven Points remained steady at $194 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Seven Points remained steady at $63 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 Seven Points?

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

What is the cheapest car insurance in Seven Points?

The cheapest car insurance in Seven Points is $119 per month for full coverage.

How much is car insurance in Seven Points 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 Seven Points?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $194 per month to insure your car in Seven Points.

Is car insurance expensive in Seven Points?

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

Cheapest Car Insurance Quotes in Seven Points

Why you can trust Way?

How Much Is Car Insurance in Seven Points

Avg. Car Insurance in Seven Points

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Seven Points

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Seven Points Car Insurance Rates by Company

Cheap Car Insurance Companies in Seven Points, TX

Way's key takeaways about car insurance in Seven Points

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Seven Points

Cheapest Liability Coverage in Seven Points, TX

Cheapest Full Coverage Car Insurance in Seven Points

Cheapest Full Coverage Car Insurance Quotes in Seven Points, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Seven Points by Rating Factor

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

Car Insurance Premiums by Age in Seven Points

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Seven Points,TX

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

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 Seven Points

Cheapest Car Insurance Companies after an At-Fault Accident in Seven Points

Seven Points Car Insurance Rates by Violation

Seven Points auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Seven Points after a DUI

Seven Points car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Seven Points after Speeding ticket

Car Insurance Price Trends in Seven Points, Texas

Average Car Insurance Cost in Seven Points by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Seven Points, TX

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

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