Cheapest Car Insurance Quotes in South Padre Island

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South Padre Island Car Insurance

^$ 53

/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 South Padre Island

The car insurance rate in South Padre Island is $1312 for a six-month policy, which is $74 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $837, making it a popular choice for budget-conscious drivers. Rates in South Padre Island 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 South Padre Island

$1312

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in South Padre Island

1st place: Mercury

At $837 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 $869 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 $876 for six months, making it the third cheapest auto insurance company in South Padre Island.

South Padre Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Padre Island, TX is Mercury, offering policies at just $837 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $869.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1133 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Padre Island drivers find the best deals.

Cheap Car Insurance Companies in South Padre Island, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$837	$140
Texas Farm Bureau	$869	$147
AAA Texas	$876	$146
State Farm	$906	$153
USAA	$989	$166
Redpoint Insurance	$1032	$176
AAA	$1272	$212
Progressive	$1322	$223
Southern County Mutual	$1366	$228
Allstate	$2846	$479
Farmers	$2600	$442
Redpoint County Mutual	$1013	$173
Geico County Mutual	$1133	$193

Key Takeaways

Way's key takeaways about car insurance in South Padre Island

The auto insurance costs in South Padre Island fall around $837 for six months.
The cheapest auto insurance company in South Padre Island is USAA.
Teen drivers pay the highest rate in South Padre Island at $77 per month.

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Cheapest Minimum Liability Car Insurance in South Padre Island

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 South Padre Island are given below.

USAA provides the cheapest minimum car insurance coverage in South Padre Island. Their Average 6 Month Premium is $315. Geico County Mutual is the most expensive at $353 for the same period.

Cheapest Liability Coverage in South Padre Island, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$315	$53
Texas Farm Bureau	$328	$56
State Farm	$340	$57
Redpoint Insurance	$353	$60
Mercury	$409	$69
AAA	$454	$77
AAA Texas	$454	$75
Progressive	$466	$78
Allstate	$983	$165
Farmers	$1026	$171
Redpoint County Mutual	$340	$56
Geico County Mutual	$353	$60

Cheapest Full Coverage Car Insurance in South Padre Island

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 South Padre Island is Mercury at $140 per month and $837 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Padre Island, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$837	$140
Texas Farm Bureau	$869	$147
AAA Texas	$876	$146
State Farm	$906	$153
USAA	$989	$166
Redpoint Insurance	$1032	$176
AAA	$1272	$212
Progressive	$1322	$223
Southern County Mutual	$1366	$228
Allstate	$2846	$479
Farmers	$2600	$442
Redpoint County Mutual	$1013	$173
Geico County Mutual	$1133	$193

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Average Car Insurance in South Padre Island 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 South Padre Island, TX increasing?

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

Car Insurance Premiums by Age in South Padre Island

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 South Padre Island,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the South Padre Island at $61 per month. At $466 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	$359	$61
Southern County Mutual	$466	$77
Mercury	$504	$86
AAA Texas	$573	$95
USAA	$1442	$243
State Farm	$1536	$259
Texas Farm Bureau	$1612	$275
AAA	$2645	$441
Allstate	$4842	$815
Progressive	$6750	$1136
Farmers	$8487	$1443
Redpoint County Mutual	$347	$59
Geico County Mutual	$466	$77

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 South Padre Island, Mercury is the cheapest car insurance provider. At $548 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 South Padre Island is Farmers, offering rates of around $4307 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$548	$91
Foremost	$655	$111
AAA Texas	$699	$117
Dairyland	$812	$138
USAA	$1221	$204
Progressive	$1750	$295
AAA	$2122	$354
Allstate	$4993	$849
State Farm	$6517	$1087
Texas Farm Bureau	$1227	$209
Farmers	$4307	$732

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Car Insurance Rates with An Accident in South Padre Island

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 South Padre Island, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in South Padre Island

The cheapest car insurance companies after an at-fault accident in South Padre Island include Redpoint Insurance and Southern County Mutual, offering $359 and $435, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $435.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$359	$59
Southern County Mutual	$435	$74
AAA Texas	$674	$112
State Farm	$724	$122
Mercury	$818	$137
USAA	$1045	$176
Texas Farm Bureau	$1360	$227
AAA	$2159	$367
Progressive	$2311	$389
Allstate	$4502	$758
Farmers	$7147	$1215
Redpoint County Mutual	$347	$57
Geico County Mutual	$435	$74

South Padre Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Padre Island TX. For example, the car insurance in South Padre Island after a DUI increases to $831 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

South Padre Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1360	$227
One Med/PIP claim	$1373	$233
One comp claim	$1442	$241
Not-at-fault accident	$1454	$247
Two Med/PIP claims	$1461	$244
Failure to show documents	$1512	$257
Driving with expired registration	$1523	$254
Two comp claims	$1536	$261
Cell phone violation	$1549	$259
Driving without lights	$1549	$263
Texting while driving	$1549	$259
Driving too slowly	$1555	$264
Speeding 11 - 15 MPH over limit	$1555	$260
Speeding 16 - 20 MPH over limit	$1555	$264
Speeding 6 - 10 MPH over limit	$1555	$260
Speeding in school zone	$1555	$264
Child safety restraint	$1561	$261
Failure to wear a seat belt	$1561	$265
In 65 MPH zone	$1568	$262
Failure to stop at a red light	$1574	$268
Failure to yield	$1574	$263
Following too closely	$1574	$268
Illegal turn	$1574	$263
Improper passing	$1574	$268
Speeding 21 - 25 MPH over limit	$1574	$263
Passing school bus	$1580	$269
Wrong way/wrong lane	$1580	$263
Operating a vehicle without permission	$1587	$270
At-fault accident - less than $1000	$1649	$275
Open container	$1857	$316
Driving with a suspended license	$1927	$321
Racing	$2041	$347
Reckless driving	$2041	$340
Leaving scene of an accident/hit and run	$2090	$355
At-fault accident - $1000-$2000	$2097	$350
Refusal to submit to a chemical test	$2159	$367
DUI	$2191	$366
At-fault accident - greater than $2000	$2279	$388

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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 South Padre Island 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 South Padre Island.

The cheapest car insurance premiums in South Padre Island are offered by Mercury at $542 for a six-month policy. However, it can be as expensive as $3281 with companies like Farmers.

South Padre Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$542	$90
Foremost	$611	$104
Dairyland	$668	$111
AAA Texas	$705	$120
State Farm	$925	$156
USAA	$1442	$243
Progressive	$1473	$248
Nationwide	$1782	$303
AAA	$3268	$545
Allstate	$3722	$626
Texas Farm Bureau	$1045	$178
Farmers	$3281	$547

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 South Padre Island are offered by Mercury at $561. However, it can be as expensive as $3570 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Padre Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$561	$93
State Farm	$579	$98
AAA Texas	$598	$100
USAA	$888	$151
AAA	$2159	$360
Progressive	$2304	$392
Allstate	$3501	$583
Texas Farm Bureau	$542	$92
Farmers	$3570	$607

Car Insurance Price Trends in South Padre Island, Texas

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

The average cost of full coverage in the South Padre Island rose by $229 in January compared to $219 of December. In other words, there has been an increase by $10 when you compare January and December.

The average cost of liability insurance in the South Padre Island rose to $74 in January, compared to $68 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in South Padre Island?

The car insurance in South Padre Island is $53 per month, which is lower than the national average.

What is the cheapest car insurance in South Padre Island?

The cheapest car insurance in South Padre Island is $140 per month for full coverage.

How much is car insurance in South Padre Island for teenagers?

Car insurance for teenagers costs $359 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 South Padre Island?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $220 per month to insure your car in South Padre Island.

Is car insurance expensive in South Padre Island?

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

Cheapest Car Insurance Quotes in South Padre Island

Why you can trust Way?

How Much Is Car Insurance in South Padre Island

Avg. Car Insurance in South Padre Island

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in South Padre Island

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

South Padre Island Car Insurance Rates by Company

Cheap Car Insurance Companies in South Padre Island, TX

Way's key takeaways about car insurance in South Padre Island

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Padre Island

Cheapest Liability Coverage in South Padre Island, TX

Cheapest Full Coverage Car Insurance in South Padre Island

Cheapest Full Coverage Car Insurance Quotes in South Padre Island, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Padre Island by Rating Factor

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

Car Insurance Premiums by Age in South Padre Island

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Padre Island,TX

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

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 South Padre Island

Cheapest Car Insurance Companies after an At-Fault Accident in South Padre Island

South Padre Island Car Insurance Rates by Violation

South Padre Island auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Padre Island after a DUI

South Padre Island car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Padre Island after Speeding ticket

Car Insurance Price Trends in South Padre Island, Texas

Average Car Insurance Cost in South Padre Island by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Padre Island, TX

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

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