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Finding the cheapest car insurance quotes in Sidney 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 Sidney
The car insurance rate in Sidney is $974 for a six-month policy, which is $73 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $618, making it a popular choice for budget-conscious drivers. Rates in Sidney 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 $618 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 $735 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 $757
for six months, making it
the third cheapest auto insurance company in Sidney.
Sidney Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Sidney, TX is Texas Farm Bureau, offering policies at just $618 for a six-month term. This is followed by Mercury, which has an average six-month premium of $735.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1056 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sidney drivers find the best deals.
The auto insurance costs in Sidney fall around $618 for six
months.
The cheapest auto insurance company in Sidney is Texas Farm Bureau.
Teen drivers pay the highest rate in Sidney at $68 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Sidney
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 Sidney are given below.
Texas Farm Bureau provides
the cheapest minimum car insurance
coverage in Sidney. Their Average 6 Month Premium is $237.
Germania is the most
expensive at $398 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 Sidney is Texas Farm Bureau
at $104 per month and $618
for six months.
Cheapest Full Coverage Car Insurance Quotes in Sidney,
TX
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 Sidney, TX increasing?
Despite maintaining a clean driving record, your car insurance rates
in Sidney, 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, Sidney's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Sidney
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
$650
40s
Nationwide
$645
50s
Texas Farm Bureau
$576
60s
Texas Farm Bureau
$532
70s
Texas Farm Bureau
$571
Cheapest Car Insurance Rates for Teen Drivers in
Sidney,TX
If you are planning to get a car insurance policy for your teenage
dependent, Redpoint Insurance provides the cheapest car
insurance in the Sidney at $52
per
month. At $409 for a six-month premium,
Geico County Mutual offers the most expensive rate for
teen drivers.
If you are in your twenties Texas Farm Bureau is
the best choice for car
insurance in Sidney.
As young drivers face the highest rates in Sidney, Texas Farm Bureau
offers the cheapest auto insurance rates at $650 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 Sidney,
Mercury is
the cheapest car insurance provider. At $481 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
Sidney is State Farm, offering
rates of around $4171 for six
months.
Save up to $971/yr on car insurance rates in Sidney.
Car Insurance Rates with An Accident in Sidney
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 Sidney, TX,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Sidney
The cheapest car insurance companies after an at-fault accident in
Sidney include Redpoint Insurance
and Southern County Mutual, offering $315
and $381,
respectively. National General is an expensive provider
with an average six-month premium of
$536.
Here is a list of driving violations that can increase your car
insurance rates in Sidney TX. For example, the car
insurance in Sidney
after a DUI increases to $729 for a six
month policy. While the rate increases by $171 for a six-month policy in the case of
a speeding ticket.
Sidney auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1193
$199
One Med/PIP claim
$1204
$205
One comp claim
$1265
$211
Not-at-fault accident
$1276
$217
Two Med/PIP claims
$1282
$214
Failure to show documents
$1326
$225
Driving with expired registration
$1336
$223
Two comp claims
$1348
$229
Cell phone violation
$1359
$227
Driving without lights
$1359
$231
Texting while driving
$1359
$227
Driving too slowly
$1364
$232
Speeding 11 - 15 MPH over limit
$1364
$228
Speeding 16 - 20 MPH over limit
$1364
$232
Speeding 6 - 10 MPH over limit
$1364
$228
Speeding in school zone
$1364
$232
Child safety restraint
$1370
$229
Failure to wear a seat belt
$1370
$233
In 65 MPH zone
$1375
$230
Failure to stop at a red light
$1381
$235
Failure to yield
$1381
$231
Following too closely
$1381
$235
Illegal turn
$1381
$231
Improper passing
$1381
$235
Speeding 21 - 25 MPH over limit
$1381
$231
Passing school bus
$1387
$236
Wrong way/wrong lane
$1387
$231
Operating a vehicle without permission
$1392
$237
At-fault accident - less than $1000
$1447
$241
Open container
$1629
$277
Driving with a suspended license
$1691
$282
Racing
$1790
$304
Reckless driving
$1790
$299
Leaving scene of an accident/hit and run
$1834
$312
At-fault accident - $1000-$2000
$1840
$307
Refusal to submit to a chemical test
$1894
$322
DUI
$1922
$321
At-fault accident - greater than $2000
$2000
$340
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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 Sidney 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 Sidney.
The cheapest car insurance premiums in
Sidney are
offered by Mercury at $475 for a six-month policy.
However, it can be as
expensive as $2878 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 Sidney are offered by State Farm
at $431. However,
it can be as expensive as $3132
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Sidney after Speeding ticket
Car insurance rates in Sidney have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Sidney remained steady at $193 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Sidney rose to $60 in December,
compared to $58 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Sidney. At $1947 for a
six-month policy, insuring
your car at 76474 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 Sidney?
The car insurance in Sidney is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Sidney?
The cheapest car insurance in Sidney
is $104 per month
for full coverage.
How much is car insurance in Sidney for teenagers?
Car insurance for teenagers costs $315 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
Sidney?
The average cost of car insurance is $1047 for a six-month
policy. It will cost around $165 per month to insure your
car in Sidney.
Is car insurance expensive in Sidney?
Car insurance can be expensive in Sidney if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Sidney can be
affordable.
What is the best car insurance in Sidney,
TX?
The best car insurance company in Sidney
TX is
Texas Farm Bureau, offering $618 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Sidney, TX
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Sidney Car Insurance
