Cheapest Car Insurance Quotes in Sheldon

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Sheldon Car Insurance

^$ 62

/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 Sheldon

The car insurance rate in Sheldon is $1535 for a six-month policy, which is $297 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $980, making it a popular choice for budget-conscious drivers. Rates in Sheldon 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 Sheldon

$1535

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Sheldon

1st place: Mercury

At $980 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 $1017 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 $1024 for six months, making it the third cheapest auto insurance company in Sheldon.

Sheldon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sheldon, TX is Mercury, offering policies at just $980 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $1017.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1326 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sheldon drivers find the best deals.

Cheap Car Insurance Companies in Sheldon, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$980	$164
Texas Farm Bureau	$1017	$172
AAA Texas	$1024	$171
State Farm	$1060	$179
USAA	$1157	$195
Redpoint Insurance	$1208	$206
AAA	$1488	$248
Progressive	$1546	$260
Southern County Mutual	$1598	$267
Allstate	$3329	$560
Farmers	$3042	$517
Redpoint County Mutual	$1185	$202
Geico County Mutual	$1326	$226

Key Takeaways

Way's key takeaways about car insurance in Sheldon

The auto insurance costs in Sheldon fall around $980 for six months.
The cheapest auto insurance company in Sheldon is USAA.
Teen drivers pay the highest rate in Sheldon at $91 per month.

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

Cheapest Minimum Liability Car Insurance in Sheldon

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 Sheldon are given below.

USAA provides the cheapest minimum car insurance coverage in Sheldon. Their Average 6 Month Premium is $368. Geico County Mutual is the most expensive at $413 for the same period.

Cheapest Liability Coverage in Sheldon, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$368	$62
Texas Farm Bureau	$383	$66
State Farm	$398	$67
Redpoint Insurance	$413	$71
Mercury	$479	$81
AAA	$531	$91
AAA Texas	$531	$88
Progressive	$546	$92
Allstate	$1149	$193
Farmers	$1200	$200
Redpoint County Mutual	$398	$66
Geico County Mutual	$413	$71

Cheapest Full Coverage Car Insurance in Sheldon

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 Sheldon is Mercury at $164 per month and $980 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sheldon, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$980	$164
Texas Farm Bureau	$1017	$172
AAA Texas	$1024	$171
State Farm	$1060	$179
USAA	$1157	$195
Redpoint Insurance	$1208	$206
AAA	$1488	$248
Progressive	$1546	$260
Southern County Mutual	$1598	$267
Allstate	$3329	$560
Farmers	$3042	$517
Redpoint County Mutual	$1185	$202
Geico County Mutual	$1326	$226

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Average Car Insurance in Sheldon 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 Sheldon, TX increasing?

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

Car Insurance Premiums by Age in Sheldon

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 Sheldon,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Sheldon at $72 per month. At $546 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	$420	$72
Southern County Mutual	$546	$91
Mercury	$589	$100
AAA Texas	$671	$112
USAA	$1686	$284
State Farm	$1797	$303
Texas Farm Bureau	$1886	$321
AAA	$3094	$516
Allstate	$5664	$954
Progressive	$7896	$1329
Farmers	$9929	$1688
Redpoint County Mutual	$405	$69
Geico County Mutual	$546	$91

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 Sheldon, Mercury is the cheapest car insurance provider. At $641 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 Sheldon is Farmers, offering rates of around $5038 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$641	$107
Foremost	$766	$130
AAA Texas	$817	$136
Dairyland	$950	$161
USAA	$1428	$238
Progressive	$2047	$345
AAA	$2482	$414
Allstate	$5840	$993
State Farm	$7624	$1271
Texas Farm Bureau	$1436	$244
Farmers	$5038	$857

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

Car Insurance Rates with An Accident in Sheldon

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

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

The cheapest car insurance companies after an at-fault accident in Sheldon include Redpoint Insurance and Southern County Mutual, offering $420 and $508, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $508.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$420	$69
Southern County Mutual	$508	$87
AAA Texas	$789	$131
State Farm	$847	$143
Mercury	$957	$160
USAA	$1223	$206
Texas Farm Bureau	$1591	$265
AAA	$2526	$429
Progressive	$2703	$455
Allstate	$5266	$887
Farmers	$8360	$1421
Redpoint County Mutual	$405	$67
Geico County Mutual	$508	$87

Sheldon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sheldon TX. For example, the car insurance in Sheldon after a DUI increases to $972 for a six month policy. While the rate increases by $228 for a six-month policy in the case of a speeding ticket.

Sheldon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1591	$265
One Med/PIP claim	$1606	$273
One comp claim	$1686	$281
Not-at-fault accident	$1701	$289
Two Med/PIP claims	$1709	$285
Failure to show documents	$1768	$300
Driving with expired registration	$1782	$298
Two comp claims	$1797	$305
Cell phone violation	$1812	$303
Driving without lights	$1812	$308
Texting while driving	$1812	$303
Driving too slowly	$1819	$309
Speeding 11 - 15 MPH over limit	$1819	$304
Speeding 16 - 20 MPH over limit	$1819	$309
Speeding 6 - 10 MPH over limit	$1819	$304
Speeding in school zone	$1819	$309
Child safety restraint	$1827	$305
Failure to wear a seat belt	$1827	$310
In 65 MPH zone	$1834	$306
Failure to stop at a red light	$1841	$314
Failure to yield	$1841	$308
Following too closely	$1841	$314
Illegal turn	$1841	$308
Improper passing	$1841	$314
Speeding 21 - 25 MPH over limit	$1841	$308
Passing school bus	$1849	$315
Wrong way/wrong lane	$1849	$308
Operating a vehicle without permission	$1856	$316
At-fault accident - less than $1000	$1929	$321
Open container	$2172	$370
Driving with a suspended license	$2254	$376
Racing	$2387	$405
Reckless driving	$2387	$398
Leaving scene of an accident/hit and run	$2445	$415
At-fault accident - $1000-$2000	$2453	$409
Refusal to submit to a chemical test	$2526	$429
DUI	$2563	$428
At-fault accident - greater than $2000	$2666	$454

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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 Sheldon 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 Sheldon.

The cheapest car insurance premiums in Sheldon are offered by Mercury at $634 for a six-month policy. However, it can be as expensive as $3838 with companies like Farmers.

Sheldon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$634	$105
Foremost	$714	$122
Dairyland	$781	$130
AAA Texas	$825	$140
State Farm	$1083	$182
USAA	$1686	$284
Progressive	$1724	$290
Nationwide	$2084	$355
AAA	$3823	$637
Allstate	$4354	$733
Texas Farm Bureau	$1223	$208
Farmers	$3838	$640

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 Sheldon are offered by Mercury at $656. However, it can be as expensive as $4176 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sheldon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$656	$109
State Farm	$677	$114
AAA Texas	$699	$117
USAA	$1039	$176
AAA	$2526	$422
Progressive	$2696	$459
Allstate	$4096	$682
Texas Farm Bureau	$634	$108
Farmers	$4176	$711

Car Insurance Price Trends in Sheldon, Texas

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

The average cost of full coverage in the Sheldon rose by $268 in January compared to $257 of December. In other words, there has been an increase by $11 when you compare January and December.

The average cost of liability insurance in the Sheldon rose to $87 in January, compared to $79 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Sheldon?

The car insurance in Sheldon is $62 per month, which is lower than the national average.

What is the cheapest car insurance in Sheldon?

The cheapest car insurance in Sheldon is $164 per month for full coverage.

How much is car insurance in Sheldon for teenagers?

Car insurance for teenagers costs $420 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 Sheldon?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $258 per month to insure your car in Sheldon.

Is car insurance expensive in Sheldon?

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

Cheapest Car Insurance Quotes in Sheldon

Why you can trust Way?

How Much Is Car Insurance in Sheldon

Avg. Car Insurance in Sheldon

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Sheldon

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Sheldon Car Insurance Rates by Company

Cheap Car Insurance Companies in Sheldon, TX

Way's key takeaways about car insurance in Sheldon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sheldon

Cheapest Liability Coverage in Sheldon, TX

Cheapest Full Coverage Car Insurance in Sheldon

Cheapest Full Coverage Car Insurance Quotes in Sheldon, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sheldon by Rating Factor

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

Car Insurance Premiums by Age in Sheldon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sheldon,TX

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

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 Sheldon

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

Sheldon Car Insurance Rates by Violation

Sheldon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sheldon after a DUI

Sheldon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sheldon after Speeding ticket

Car Insurance Price Trends in Sheldon, Texas

Average Car Insurance Cost in Sheldon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sheldon, TX

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

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