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Finding the cheapest car insurance quotes in Toyahvale 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 Toyahvale
The car insurance rate in Toyahvale is $1040 for a six-month policy, which is $198 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $664, making it a popular choice for budget-conscious drivers. Rates in Toyahvale 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 $664 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 $689 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 $694
for six months, making it
the third cheapest auto insurance company in Toyahvale.
Toyahvale Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Toyahvale, TX is Mercury, offering policies at just $664 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $689.
At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $898 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Toyahvale drivers find the best deals.
Way's key takeaways about car insurance in Toyahvale
The auto insurance costs in Toyahvale fall around $664 for six
months.
The cheapest auto insurance company in Toyahvale is USAA.
Teen drivers pay the highest rate in Toyahvale at $61 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 Toyahvale
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 Toyahvale are given below.
USAA provides
the cheapest minimum car insurance
coverage in Toyahvale. Their Average 6 Month Premium is $249.
Geico County Mutual is the most
expensive at $280 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 Toyahvale is Mercury
at $111 per month and $664
for six months.
Cheapest Full Coverage Car Insurance Quotes in Toyahvale,
TX
Get Your Car Insurance Quote in Toyahvale
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Average Car Insurance in Toyahvale 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 Toyahvale, TX increasing?
Despite maintaining a clean driving record, your car insurance rates
in Toyahvale, 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, Toyahvale's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Toyahvale
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
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Cheapest Car Insurance Rates for Teen Drivers in
Toyahvale,TX
If you are planning to get a car insurance policy for your teenage
dependent, Redpoint Insurance provides the cheapest car
insurance in the Toyahvale at $49
per
month. At $370 for a six-month premium,
Geico County Mutual offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Toyahvale.
As young drivers face the highest rates in Toyahvale, N/A
offers the cheapest auto insurance rates at $N/A 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 Toyahvale,
Mercury is
the cheapest car insurance provider. At $434 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
Toyahvale is Farmers, offering
rates of around $3413 for six
months.
Save up to $971/yr on car insurance rates in Toyahvale.
Car Insurance Rates with An Accident in Toyahvale
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 Toyahvale, TX,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Toyahvale
The cheapest car insurance companies after an at-fault accident in
Toyahvale include Redpoint Insurance
and Southern County Mutual, offering $285
and $344,
respectively. Geico County Mutual is an expensive provider
with an average six-month premium of
$344.
Here is a list of driving violations that can increase your car
insurance rates in Toyahvale TX. For example, the car
insurance in Toyahvale
after a DUI increases to $658 for a six
month policy. While the rate increases by $154 for a six-month policy in the case of
a speeding ticket.
Toyahvale auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1078
$180
One Med/PIP claim
$1088
$185
One comp claim
$1142
$191
Not-at-fault accident
$1152
$196
Two Med/PIP claims
$1158
$193
Failure to show documents
$1198
$203
Driving with expired registration
$1207
$202
Two comp claims
$1217
$207
Cell phone violation
$1227
$205
Driving without lights
$1227
$208
Texting while driving
$1227
$205
Driving too slowly
$1232
$209
Speeding 11 - 15 MPH over limit
$1232
$206
Speeding 16 - 20 MPH over limit
$1232
$209
Speeding 6 - 10 MPH over limit
$1232
$206
Speeding in school zone
$1232
$209
Child safety restraint
$1237
$207
Failure to wear a seat belt
$1237
$210
In 65 MPH zone
$1242
$207
Failure to stop at a red light
$1247
$213
Failure to yield
$1247
$208
Following too closely
$1247
$213
Illegal turn
$1247
$208
Improper passing
$1247
$213
Speeding 21 - 25 MPH over limit
$1247
$208
Passing school bus
$1252
$213
Wrong way/wrong lane
$1252
$208
Operating a vehicle without permission
$1257
$214
At-fault accident - less than $1000
$1307
$218
Open container
$1472
$250
Driving with a suspended license
$1527
$255
Racing
$1617
$275
Reckless driving
$1617
$270
Leaving scene of an accident/hit and run
$1656
$281
At-fault accident - $1000-$2000
$1662
$277
Refusal to submit to a chemical test
$1711
$291
DUI
$1736
$290
At-fault accident - greater than $2000
$1806
$307
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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 Toyahvale 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 Toyahvale.
The cheapest car insurance premiums in
Toyahvale are
offered by Mercury at $429 for a six-month policy.
However, it can be as
expensive as $2600 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 Toyahvale are offered by Mercury
at $444. However,
it can be as expensive as $2829
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Toyahvale after Speeding ticket
Car insurance rates in Toyahvale have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Toyahvale rose by
$181 in January
compared to $174 of December. In other words, there has been an increase by $7 when you
compare January and December.
The average cost of liability insurance in the Toyahvale rose to $59 in January,
compared to $54 in December.
This represents an increase of $5
when comparing January and December.
Average Car Insurance Cost in Toyahvale by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Toyahvale. At $N/A for a
six-month policy, insuring
your car at N/A 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 Toyahvale?
The car insurance in Toyahvale is $42 per month, which is lower than the national average.
What is the cheapest car insurance in Toyahvale?
The cheapest car insurance in Toyahvale
is $111 per month
for full coverage.
How much is car insurance in Toyahvale for teenagers?
Car insurance for teenagers costs $285 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
Toyahvale?
The average cost of car insurance is $1238 for a six-month
policy. It will cost around $175 per month to insure your
car in Toyahvale.
Is car insurance expensive in Toyahvale?
Car insurance can be expensive in Toyahvale if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Toyahvale can be
affordable.
What is the best car insurance in Toyahvale,
TX?
The best car insurance company in Toyahvale
TX is
Mercury, offering $664 for a
six-month policy.
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Toyahvale Car Insurance
