Cheapest Car Insurance Quotes in Spring Valley Village

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Spring Valley Village Car Insurance

^$ 54

/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 Spring Valley Village

The car insurance rate in Spring Valley Village is $1319 for a six-month policy, which is $272 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $838, making it a popular choice for budget-conscious drivers. Rates in Spring Valley Village 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 Spring Valley Village

$1319

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Spring Valley Village

1st place: Texas Farm Bureau

At $838 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 $995 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 $1026 for six months, making it the third cheapest auto insurance company in Spring Valley Village.

Spring Valley Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Spring Valley Village, TX is Texas Farm Bureau, offering policies at just $838 for a six-month term. This is followed by Mercury, which has an average six-month premium of $995.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1430 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Spring Valley Village drivers find the best deals.

Cheap Car Insurance Companies in Spring Valley Village, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$838	$141
Mercury	$995	$169
State Farm	$1026	$173
AAA Texas	$1041	$176
USAA	$1145	$193
Redpoint Insurance	$1227	$209
Progressive	$1415	$238
Southern County Mutual	$1624	$276
Allstate	$1932	$325
Farmers	$3091	$525
Redpoint County Mutual	$1205	$205
Geico County Mutual	$1347	$229
Germania	$539	$89
AAA	$942	$158
National General	$1430	$238

Key Takeaways

Way's key takeaways about car insurance in Spring Valley Village

The auto insurance costs in Spring Valley Village fall around $838 for six months.
The cheapest auto insurance company in Spring Valley Village is Texas Farm Bureau.
Teen drivers pay the highest rate in Spring Valley Village at $92 per month.

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Cheapest Minimum Liability Car Insurance in Spring Valley Village

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 Spring Valley Village are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Spring Valley Village. Their Average 6 Month Premium is $321. Germania is the most expensive at $539 for the same period.

Cheapest Liability Coverage in Spring Valley Village, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$321	$54
USAA	$359	$60
Progressive	$374	$63
State Farm	$382	$64
Redpoint Insurance	$420	$69
Mercury	$486	$82
AAA Texas	$539	$89
Allstate	$741	$125
Farmers	$1220	$203
Redpoint County Mutual	$404	$67
Geico County Mutual	$420	$72
National General	$464	$77
Germania	$539	$92

Cheapest Full Coverage Car Insurance in Spring Valley Village

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 Spring Valley Village is Texas Farm Bureau at $141 per month and $838 for six months.

Cheapest Full Coverage Car Insurance Quotes in Spring Valley Village, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$838	$141
Mercury	$995	$169
State Farm	$1026	$173
AAA Texas	$1041	$176
USAA	$1145	$193
Redpoint Insurance	$1227	$209
Progressive	$1415	$238
Southern County Mutual	$1624	$276
Allstate	$1932	$325
Farmers	$3091	$525
Redpoint County Mutual	$1205	$205
Geico County Mutual	$1347	$229
Germania	$539	$89
AAA	$942	$158
National General	$1430	$238

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Average Car Insurance in Spring Valley Village 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 Spring Valley Village, TX increasing?

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

Car Insurance Premiums by Age in Spring Valley Village

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	$881
40s	Nationwide	$874
50s	Texas Farm Bureau	$780
60s	Texas Farm Bureau	$721
70s	Texas Farm Bureau	$774

Cheapest Car Insurance Rates for Teen Drivers in Spring Valley Village,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Spring Valley Village at $71 per month. At $554 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	$427	$71
Southern County Mutual	$554	$95
Mercury	$599	$100
AAA Texas	$682	$116
Texas Farm Bureau	$1489	$251
USAA	$1624	$273
State Farm	$1685	$284
Allstate	$4229	$712
Progressive	$7215	$1215
Farmers	$10089	$1715
Redpoint County Mutual	$412	$71
Geico County Mutual	$554	$92

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Spring Valley Village.

As young drivers face the highest rates in Spring Valley Village, Texas Farm Bureau offers the cheapest auto insurance rates at $881 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 Spring Valley Village, Mercury is the cheapest car insurance provider. At $651 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 Spring Valley Village is State Farm, offering rates of around $5651 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$651	$111
Foremost	$779	$130
AAA Texas	$830	$141
Dairyland	$965	$161
Allstate	$1265	$215
USAA	$1295	$215
Texas Farm Bureau	$1459	$248
Progressive	$2021	$340
Farmers	$5119	$871
State Farm	$5651	$941

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Save up to $971/yr on car insurance rates in Spring Valley Village.

Car Insurance Rates with An Accident in Spring Valley Village

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 Spring Valley Village, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Spring Valley Village

The cheapest car insurance companies after an at-fault accident in Spring Valley Village include Redpoint Insurance and Southern County Mutual, offering $427 and $517, respectively. National General is an expensive provider with an average six-month premium of $726.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$427	$71
Southern County Mutual	$517	$88
State Farm	$794	$134
AAA Texas	$801	$136
Mercury	$973	$163
USAA	$1189	$200
Texas Farm Bureau	$1317	$222
Progressive	$2447	$412
Allstate	$2754	$464
Farmers	$8495	$1444
Redpoint County Mutual	$412	$68
Geico County Mutual	$517	$88
National General	$726	$123

Spring Valley Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Spring Valley Village TX. For example, the car insurance in Spring Valley Village after a DUI increases to $987 for a six month policy. While the rate increases by $231 for a six-month policy in the case of a speeding ticket.

Spring Valley Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1617	$270
One Med/PIP claim	$1632	$277
One comp claim	$1714	$286
Not-at-fault accident	$1729	$294
Two Med/PIP claims	$1736	$290
Failure to show documents	$1797	$305
Driving with expired registration	$1811	$302
Two comp claims	$1826	$310
Cell phone violation	$1841	$307
Driving without lights	$1841	$312
Texting while driving	$1841	$307
Driving too slowly	$1848	$314
Speeding 11 - 15 MPH over limit	$1848	$309
Speeding 16 - 20 MPH over limit	$1848	$314
Speeding 6 - 10 MPH over limit	$1848	$309
Speeding in school zone	$1848	$314
Child safety restraint	$1856	$310
Failure to wear a seat belt	$1856	$315
In 65 MPH zone	$1864	$311
Failure to stop at a red light	$1871	$319
Failure to yield	$1871	$312
Following too closely	$1871	$319
Illegal turn	$1871	$312
Improper passing	$1871	$319
Speeding 21 - 25 MPH over limit	$1871	$312
Passing school bus	$1879	$320
Wrong way/wrong lane	$1879	$312
Operating a vehicle without permission	$1886	$321
At-fault accident - less than $1000	$1961	$326
Open container	$2208	$375
Driving with a suspended license	$2291	$382
Racing	$2426	$412
Reckless driving	$2426	$404
Leaving scene of an accident/hit and run	$2485	$422
At-fault accident - $1000-$2000	$2492	$416
Refusal to submit to a chemical test	$2567	$436
DUI	$2604	$435
At-fault accident - greater than $2000	$2709	$461

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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 Spring Valley Village 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 Spring Valley Village.

The cheapest car insurance premiums in Spring Valley Village are offered by Mercury at $644 for a six-month policy. However, it can be as expensive as $3900 with companies like Farmers.

Spring Valley Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$644	$107
Foremost	$726	$123
Dairyland	$794	$132
AAA Texas	$838	$142
State Farm	$1048	$176
Texas Farm Bureau	$1242	$212
Progressive	$1571	$265
USAA	$1609	$271
Allstate	$2051	$345
Nationwide	$2118	$360
Farmers	$3900	$650

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 Spring Valley Village are offered by State Farm at $583. However, it can be as expensive as $4244 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Spring Valley Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$583	$98
Texas Farm Bureau	$644	$110
Mercury	$667	$111
AAA Texas	$711	$121
USAA	$936	$156
Allstate	$1265	$215
Progressive	$2179	$363
Farmers	$4244	$722

Car Insurance Price Trends in Spring Valley Village, Texas

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

The average cost of full coverage in the Spring Valley Village remained steady at $261 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Spring Valley Village rose to $81 in December, compared to $78 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Spring Valley Village?

The car insurance in Spring Valley Village is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Spring Valley Village?

The cheapest car insurance in Spring Valley Village is $141 per month for full coverage.

How much is car insurance in Spring Valley Village for teenagers?

Car insurance for teenagers costs $427 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 Spring Valley Village?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $223 per month to insure your car in Spring Valley Village.

Is car insurance expensive in Spring Valley Village?

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

Cheapest Car Insurance Quotes in Spring Valley Village

Why you can trust Way?

How Much Is Car Insurance in Spring Valley Village

Avg. Car Insurance in Spring Valley Village

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Spring Valley Village

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Spring Valley Village Car Insurance Rates by Company

Cheap Car Insurance Companies in Spring Valley Village, TX

Way's key takeaways about car insurance in Spring Valley Village

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Spring Valley Village

Cheapest Liability Coverage in Spring Valley Village, TX

Cheapest Full Coverage Car Insurance in Spring Valley Village

Cheapest Full Coverage Car Insurance Quotes in Spring Valley Village, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Spring Valley Village by Rating Factor

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

Car Insurance Premiums by Age in Spring Valley Village

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Spring Valley Village,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Spring Valley Village.

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 Spring Valley Village

Cheapest Car Insurance Companies after an At-Fault Accident in Spring Valley Village

Spring Valley Village Car Insurance Rates by Violation

Spring Valley Village auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Spring Valley Village after a DUI

Spring Valley Village car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Spring Valley Village after Speeding ticket

Car Insurance Price Trends in Spring Valley Village, Texas

Average Car Insurance Cost in Spring Valley Village by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Spring Valley Village, TX

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

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