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Finding the cheapest car insurance quotes in Thicket 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 Thicket
The car insurance rate in Thicket is $1120 for a six-month policy, which is $73 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $712, making it a popular choice for budget-conscious drivers. Rates in Thicket 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 $712 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 $845 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 $871
for six months, making it
the third cheapest auto insurance company in Thicket.
Thicket Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Thicket, TX is Texas Farm Bureau, offering policies at just $712 for a six-month term. This is followed by Mercury, which has an average six-month premium of $845.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1214 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Thicket drivers find the best deals.
Way's key takeaways about car insurance in Thicket
The auto insurance costs in Thicket fall around $712 for six
months.
The cheapest auto insurance company in Thicket is Texas Farm Bureau.
Teen drivers pay the highest rate in Thicket at $78 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Thicket
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 Thicket are given below.
Texas Farm Bureau provides
the cheapest minimum car insurance
coverage in Thicket. Their Average 6 Month Premium is $273.
Germania is the most
expensive at $458 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 Thicket is Texas Farm Bureau
at $120 per month and $712
for six months.
Cheapest Full Coverage Car Insurance Quotes in Thicket,
TX
Get Your Car Insurance Quote in Thicket
Instantly!
Average Car Insurance in Thicket 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 Thicket, TX increasing?
Despite maintaining a clean driving record, your car insurance rates
in Thicket, 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, Thicket's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Thicket
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
$748
40s
Nationwide
$743
50s
Texas Farm Bureau
$662
60s
Texas Farm Bureau
$612
70s
Texas Farm Bureau
$657
Cheapest Car Insurance Rates for Teen Drivers in
Thicket,TX
If you are planning to get a car insurance policy for your teenage
dependent, Redpoint Insurance provides the cheapest car
insurance in the Thicket at $60
per
month. At $471 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 Thicket.
As young drivers face the highest rates in Thicket, Texas Farm Bureau
offers the cheapest auto insurance rates at $748 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 Thicket,
Mercury is
the cheapest car insurance provider. At $553 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
Thicket is State Farm, offering
rates of around $4799 for six
months.
Save up to $971/yr on car insurance rates in Thicket.
Car Insurance Rates with An Accident in Thicket
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 Thicket, TX,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Thicket
The cheapest car insurance companies after an at-fault accident in
Thicket include Redpoint Insurance
and Southern County Mutual, offering $363
and $439,
respectively. National General is an expensive provider
with an average six-month premium of
$616.
Here is a list of driving violations that can increase your car
insurance rates in Thicket TX. For example, the car
insurance in Thicket
after a DUI increases to $839 for a six
month policy. While the rate increases by $197 for a six-month policy in the case of
a speeding ticket.
Thicket auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1373
$229
One Med/PIP claim
$1386
$235
One comp claim
$1455
$243
Not-at-fault accident
$1468
$249
Two Med/PIP claims
$1474
$246
Failure to show documents
$1526
$259
Driving with expired registration
$1538
$257
Two comp claims
$1550
$263
Cell phone violation
$1563
$261
Driving without lights
$1563
$265
Texting while driving
$1563
$261
Driving too slowly
$1570
$266
Speeding 11 - 15 MPH over limit
$1570
$262
Speeding 16 - 20 MPH over limit
$1570
$266
Speeding 6 - 10 MPH over limit
$1570
$262
Speeding in school zone
$1570
$266
Child safety restraint
$1576
$263
Failure to wear a seat belt
$1576
$268
In 65 MPH zone
$1583
$264
Failure to stop at a red light
$1589
$271
Failure to yield
$1589
$265
Following too closely
$1589
$271
Illegal turn
$1589
$265
Improper passing
$1589
$271
Speeding 21 - 25 MPH over limit
$1589
$265
Passing school bus
$1595
$272
Wrong way/wrong lane
$1595
$265
Operating a vehicle without permission
$1602
$273
At-fault accident - less than $1000
$1665
$277
Open container
$1875
$319
Driving with a suspended license
$1945
$324
Racing
$2060
$350
Reckless driving
$2060
$343
Leaving scene of an accident/hit and run
$2110
$358
At-fault accident - $1000-$2000
$2116
$353
Refusal to submit to a chemical test
$2180
$370
DUI
$2212
$369
At-fault accident - greater than $2000
$2301
$392
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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 Thicket 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 Thicket.
The cheapest car insurance premiums in
Thicket are
offered by Mercury at $547 for a six-month policy.
However, it can be as
expensive as $3312 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 Thicket are offered by State Farm
at $495. However,
it can be as expensive as $3604
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Thicket after Speeding ticket
Car insurance rates in Thicket have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Thicket remained steady at $221 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Thicket rose to $68 in December,
compared to $66 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
Thicket. At $2240 for a
six-month policy, insuring
your car at 77374 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 Thicket?
The car insurance in Thicket is $46 per month, which is lower than the national average.
What is the cheapest car insurance in Thicket?
The cheapest car insurance in Thicket
is $120 per month
for full coverage.
How much is car insurance in Thicket for teenagers?
Car insurance for teenagers costs $363 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
Thicket?
The average cost of car insurance is $1047 for a six-month
policy. It will cost around $189 per month to insure your
car in Thicket.
Is car insurance expensive in Thicket?
Car insurance can be expensive in Thicket if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Thicket can be
affordable.
What is the best car insurance in Thicket,
TX?
The best car insurance company in Thicket
TX is
Texas Farm Bureau, offering $712 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Thicket, TX
Car Insurance Rates by State in the USA (2025 Update)
Thicket Car Insurance
