Cheapest Car Insurance Quotes in Sunset Valley

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Sunset Valley 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 Sunset Valley

The car insurance rate in Sunset Valley is $1161 for a six-month policy, which is $45 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $692, making it a popular choice for budget-conscious drivers. Rates in Sunset Valley 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 Sunset Valley

$1161

Avg. Car Insurance in Texas

$1116

National Average

$1140

Cheapest Car Insurance Companies in Sunset Valley

1st place: Texas Farm Bureau

At $692 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 $822 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 $847 for six months, making it the third cheapest auto insurance company in Sunset Valley.

Sunset Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sunset Valley, TX is Texas Farm Bureau, offering policies at just $692 for a six-month term. This is followed by Mercury, which has an average six-month premium of $822.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1112 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sunset Valley drivers find the best deals.

Cheap Car Insurance Companies in Sunset Valley, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$692	$116
Mercury	$822	$139
State Farm	$847	$142
AAA Texas	$859	$146
USAA	$945	$159
Redpoint Insurance	$1013	$173
Progressive	$1168	$197
Southern County Mutual	$1341	$228
Allstate	$1594	$268
Farmers	$2551	$434
Redpoint County Mutual	$994	$170
Geico County Mutual	$1112	$189

Key Takeaways

Way's key takeaways about car insurance in Sunset Valley

The auto insurance costs in Sunset Valley fall around $692 for six months.
The cheapest auto insurance company in Sunset Valley is Texas Farm Bureau.
Teen drivers pay the highest rate in Sunset Valley at $76 per month.

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

Cheapest Minimum Liability Car Insurance in Sunset Valley

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 Sunset Valley are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Sunset Valley. Their Average 6 Month Premium is $265. Geico County Mutual is the most expensive at $346 for the same period.

Cheapest Liability Coverage in Sunset Valley, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$265	$45
USAA	$296	$50
Progressive	$309	$52
State Farm	$315	$53
Redpoint Insurance	$346	$57
Mercury	$401	$68
AAA Texas	$445	$74
Allstate	$612	$103
Farmers	$1007	$167
Redpoint County Mutual	$334	$55
Geico County Mutual	$346	$59

Cheapest Full Coverage Car Insurance in Sunset Valley

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 Sunset Valley is Texas Farm Bureau at $116 per month and $692 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sunset Valley, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$692	$116
Mercury	$822	$139
State Farm	$847	$142
AAA Texas	$859	$146
USAA	$945	$159
Redpoint Insurance	$1013	$173
Progressive	$1168	$197
Southern County Mutual	$1341	$228
Allstate	$1594	$268
Farmers	$2551	$434
Redpoint County Mutual	$994	$170
Geico County Mutual	$1112	$189

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Average Car Insurance in Sunset Valley 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 Sunset Valley, TX increasing?

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

Car Insurance Premiums by Age in Sunset Valley

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	$727
40s	Nationwide	$722
50s	Texas Farm Bureau	$644
60s	Texas Farm Bureau	$595
70s	Texas Farm Bureau	$639

Cheapest Car Insurance Rates for Teen Drivers in Sunset Valley,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Sunset Valley at $58 per month. At $458 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	$353	$58
Southern County Mutual	$458	$78
Mercury	$494	$82
AAA Texas	$563	$96
Texas Farm Bureau	$1229	$207
USAA	$1341	$226
State Farm	$1390	$234
Allstate	$3490	$588
Progressive	$5955	$1003
Farmers	$8327	$1415
Redpoint County Mutual	$340	$58
Geico County Mutual	$458	$76

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 Sunset Valley.

As young drivers face the highest rates in Sunset Valley, Texas Farm Bureau offers the cheapest auto insurance rates at $727 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 Sunset Valley, Mercury is the cheapest car insurance provider. At $538 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 Sunset Valley is State Farm, offering rates of around $4664 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$538	$92
Foremost	$643	$107
AAA Texas	$685	$116
Dairyland	$797	$133
Allstate	$1044	$178
USAA	$1069	$178
Texas Farm Bureau	$1204	$205
Progressive	$1668	$281
Farmers	$4226	$719
State Farm	$4664	$777

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Car Insurance Rates with An Accident in Sunset Valley

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

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

The cheapest car insurance companies after an at-fault accident in Sunset Valley include Redpoint Insurance and Southern County Mutual, offering $353 and $426, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $426.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$353	$58
Southern County Mutual	$426	$73
State Farm	$655	$110
AAA Texas	$661	$112
Mercury	$803	$134
USAA	$982	$165
Texas Farm Bureau	$1087	$183
Progressive	$2020	$340
Allstate	$2273	$383
Farmers	$7012	$1192
Redpoint County Mutual	$340	$56
Geico County Mutual	$426	$73

Sunset Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sunset Valley TX. For example, the car insurance in Sunset Valley after a DUI increases to $816 for a six month policy. While the rate increases by $192 for a six-month policy in the case of a speeding ticket.

Sunset Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1334	$223
One Med/PIP claim	$1347	$229
One comp claim	$1414	$236
Not-at-fault accident	$1427	$242
Two Med/PIP claims	$1433	$239
Failure to show documents	$1483	$252
Driving with expired registration	$1494	$250
Two comp claims	$1507	$256
Cell phone violation	$1519	$254
Driving without lights	$1519	$258
Texting while driving	$1519	$254
Driving too slowly	$1526	$259
Speeding 11 - 15 MPH over limit	$1526	$255
Speeding 16 - 20 MPH over limit	$1526	$259
Speeding 6 - 10 MPH over limit	$1526	$255
Speeding in school zone	$1526	$259
Child safety restraint	$1532	$256
Failure to wear a seat belt	$1532	$260
In 65 MPH zone	$1538	$257
Failure to stop at a red light	$1544	$263
Failure to yield	$1544	$258
Following too closely	$1544	$263
Illegal turn	$1544	$258
Improper passing	$1544	$263
Speeding 21 - 25 MPH over limit	$1544	$258
Passing school bus	$1551	$264
Wrong way/wrong lane	$1551	$258
Operating a vehicle without permission	$1557	$265
At-fault accident - less than $1000	$1618	$269
Open container	$1822	$310
Driving with a suspended license	$1891	$315
Racing	$2002	$340
Reckless driving	$2002	$334
Leaving scene of an accident/hit and run	$2051	$348
At-fault accident - $1000-$2000	$2057	$343
Refusal to submit to a chemical test	$2118	$360
DUI	$2150	$359
At-fault accident - greater than $2000	$2236	$381

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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 Sunset Valley 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 Sunset Valley.

The cheapest car insurance premiums in Sunset Valley are offered by Mercury at $531 for a six-month policy. However, it can be as expensive as $3219 with companies like Farmers.

Sunset Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$531	$88
Foremost	$599	$102
Dairyland	$655	$109
AAA Texas	$692	$118
State Farm	$865	$146
Texas Farm Bureau	$1025	$175
Progressive	$1297	$218
USAA	$1328	$224
Allstate	$1693	$285
Nationwide	$1748	$297
Farmers	$3219	$537

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 Sunset Valley are offered by State Farm at $482. However, it can be as expensive as $3503 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sunset Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$482	$81
Texas Farm Bureau	$531	$90
Mercury	$550	$92
AAA Texas	$587	$100
USAA	$773	$129
Allstate	$1044	$178
Progressive	$1798	$300
Farmers	$3503	$596

Car Insurance Price Trends in Sunset Valley, Texas

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

The average cost of full coverage in the Sunset Valley remained steady at $215 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Sunset Valley remained steady at $67 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Sunset Valley?

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

What is the cheapest car insurance in Sunset Valley?

The cheapest car insurance in Sunset Valley is $116 per month for full coverage.

How much is car insurance in Sunset Valley for teenagers?

Car insurance for teenagers costs $353 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 Sunset Valley?

The average cost of car insurance is $1116 for a six-month policy. It will cost around $197 per month to insure your car in Sunset Valley.

Is car insurance expensive in Sunset Valley?

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

Cheapest Car Insurance Quotes in Sunset Valley

Why you can trust Way?

How Much Is Car Insurance in Sunset Valley

Avg. Car Insurance in Sunset Valley

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Sunset Valley

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Sunset Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Sunset Valley, TX

Way's key takeaways about car insurance in Sunset Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sunset Valley

Cheapest Liability Coverage in Sunset Valley, TX

Cheapest Full Coverage Car Insurance in Sunset Valley

Cheapest Full Coverage Car Insurance Quotes in Sunset Valley, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sunset Valley by Rating Factor

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

Car Insurance Premiums by Age in Sunset Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sunset Valley,TX

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

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 Sunset Valley

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

Sunset Valley Car Insurance Rates by Violation

Sunset Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sunset Valley after a DUI

Sunset Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sunset Valley after Speeding ticket

Car Insurance Price Trends in Sunset Valley, Texas

Average Car Insurance Cost in Sunset Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sunset Valley, TX

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

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