Cheapest Car Insurance Quotes in Van Horn

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Van Horn Car Insurance

^$ 38

/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 Van Horn

The car insurance rate in Van Horn is $932 for a six-month policy, which is $115 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $592, making it a popular choice for budget-conscious drivers. Rates in Van Horn 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 Van Horn

$932

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Van Horn

1st place: Texas Farm Bureau

At $592 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 $703 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 $724 for six months, making it the third cheapest auto insurance company in Van Horn.

Van Horn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Van Horn, TX is Texas Farm Bureau, offering policies at just $592 for a six-month term. This is followed by Mercury, which has an average six-month premium of $703.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1010 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Van Horn drivers find the best deals.

Cheap Car Insurance Companies in Van Horn, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$592	$100
Mercury	$703	$119
State Farm	$724	$122
AAA Texas	$735	$125
USAA	$809	$136
Redpoint Insurance	$867	$148
Progressive	$999	$168
Southern County Mutual	$1147	$195
Allstate	$1364	$230
Farmers	$2183	$371
Redpoint County Mutual	$851	$145
Geico County Mutual	$951	$162
Germania	$381	$63
AAA	$666	$111
National General	$1010	$168

Key Takeaways

Way's key takeaways about car insurance in Van Horn

The auto insurance costs in Van Horn fall around $592 for six months.
The cheapest auto insurance company in Van Horn is Texas Farm Bureau.
Teen drivers pay the highest rate in Van Horn at $65 per month.

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Cheapest Minimum Liability Car Insurance in Van Horn

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 Van Horn are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Van Horn. Their Average 6 Month Premium is $227. Germania is the most expensive at $381 for the same period.

Cheapest Liability Coverage in Van Horn, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$227	$38
USAA	$254	$43
Progressive	$264	$45
State Farm	$270	$45
Redpoint Insurance	$296	$49
Mercury	$344	$58
AAA Texas	$381	$63
Allstate	$523	$88
Farmers	$862	$143
Redpoint County Mutual	$286	$47
Geico County Mutual	$296	$51
National General	$328	$54
Germania	$381	$65

Cheapest Full Coverage Car Insurance in Van Horn

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 Van Horn is Texas Farm Bureau at $100 per month and $592 for six months.

Cheapest Full Coverage Car Insurance Quotes in Van Horn, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$592	$100
Mercury	$703	$119
State Farm	$724	$122
AAA Texas	$735	$125
USAA	$809	$136
Redpoint Insurance	$867	$148
Progressive	$999	$168
Southern County Mutual	$1147	$195
Allstate	$1364	$230
Farmers	$2183	$371
Redpoint County Mutual	$851	$145
Geico County Mutual	$951	$162
Germania	$381	$63
AAA	$666	$111
National General	$1010	$168

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Average Car Insurance in Van Horn 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 Van Horn, TX increasing?

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

Car Insurance Premiums by Age in Van Horn

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	$622
40s	Nationwide	$618
50s	Texas Farm Bureau	$551
60s	Texas Farm Bureau	$509
70s	Texas Farm Bureau	$546

Cheapest Car Insurance Rates for Teen Drivers in Van Horn,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Van Horn at $50 per month. At $392 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	$302	$50
Southern County Mutual	$392	$67
Mercury	$423	$70
AAA Texas	$481	$82
Texas Farm Bureau	$1052	$177
USAA	$1147	$193
State Farm	$1190	$200
Allstate	$2987	$503
Progressive	$5096	$858
Farmers	$7126	$1211
Redpoint County Mutual	$291	$50
Geico County Mutual	$392	$65

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 Van Horn.

As young drivers face the highest rates in Van Horn, Texas Farm Bureau offers the cheapest auto insurance rates at $622 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 Van Horn, Mercury is the cheapest car insurance provider. At $460 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 Van Horn is State Farm, offering rates of around $3992 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$460	$78
Foremost	$550	$92
AAA Texas	$587	$100
Dairyland	$682	$114
Allstate	$894	$152
USAA	$915	$152
Texas Farm Bureau	$1031	$175
Progressive	$1428	$240
Farmers	$3616	$615
State Farm	$3992	$665

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Car Insurance Rates with An Accident in Van Horn

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 Van Horn, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Van Horn

The cheapest car insurance companies after an at-fault accident in Van Horn include Redpoint Insurance and Southern County Mutual, offering $302 and $365, respectively. National General is an expensive provider with an average six-month premium of $513.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$302	$50
Southern County Mutual	$365	$62
State Farm	$561	$94
AAA Texas	$566	$96
Mercury	$687	$115
USAA	$840	$142
Texas Farm Bureau	$930	$157
Progressive	$1728	$291
Allstate	$1946	$328
Farmers	$6000	$1020
Redpoint County Mutual	$291	$48
Geico County Mutual	$365	$62
National General	$513	$87

Van Horn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Van Horn TX. For example, the car insurance in Van Horn after a DUI increases to $698 for a six month policy. While the rate increases by $164 for a six-month policy in the case of a speeding ticket.

Van Horn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1142	$190
One Med/PIP claim	$1153	$196
One comp claim	$1210	$202
Not-at-fault accident	$1221	$207
Two Med/PIP claims	$1226	$205
Failure to show documents	$1269	$215
Driving with expired registration	$1279	$214
Two comp claims	$1290	$219
Cell phone violation	$1300	$217
Driving without lights	$1300	$221
Texting while driving	$1300	$217
Driving too slowly	$1306	$222
Speeding 11 - 15 MPH over limit	$1306	$218
Speeding 16 - 20 MPH over limit	$1306	$222
Speeding 6 - 10 MPH over limit	$1306	$218
Speeding in school zone	$1306	$222
Child safety restraint	$1311	$219
Failure to wear a seat belt	$1311	$223
In 65 MPH zone	$1316	$220
Failure to stop at a red light	$1322	$225
Failure to yield	$1322	$221
Following too closely	$1322	$225
Illegal turn	$1322	$221
Improper passing	$1322	$225
Speeding 21 - 25 MPH over limit	$1322	$221
Passing school bus	$1327	$226
Wrong way/wrong lane	$1327	$221
Operating a vehicle without permission	$1332	$227
At-fault accident - less than $1000	$1385	$231
Open container	$1559	$265
Driving with a suspended license	$1618	$270
Racing	$1713	$291
Reckless driving	$1713	$286
Leaving scene of an accident/hit and run	$1755	$298
At-fault accident - $1000-$2000	$1760	$294
Refusal to submit to a chemical test	$1813	$308
DUI	$1840	$307
At-fault accident - greater than $2000	$1914	$326

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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 Van Horn 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 Van Horn.

The cheapest car insurance premiums in Van Horn are offered by Mercury at $455 for a six-month policy. However, it can be as expensive as $2755 with companies like Farmers.

Van Horn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$455	$76
Foremost	$513	$87
Dairyland	$561	$93
AAA Texas	$592	$101
State Farm	$740	$125
Texas Farm Bureau	$878	$150
Progressive	$1110	$187
USAA	$1137	$191
Allstate	$1449	$244
Nationwide	$1496	$255
Farmers	$2755	$459

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 Van Horn are offered by State Farm at $412. However, it can be as expensive as $2998 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Van Horn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$412	$69
Texas Farm Bureau	$455	$77
Mercury	$471	$78
AAA Texas	$502	$85
USAA	$661	$110
Allstate	$894	$152
Progressive	$1539	$256
Farmers	$2998	$510

Car Insurance Price Trends in Van Horn, Texas

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

The average cost of full coverage in the Van Horn remained steady at $184 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Van Horn rose to $57 in December, compared to $55 in November. This represents an increase of $2 when comparing December and November.

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Principal

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Frequently Asked Questions

How much is car insurance in Van Horn?

The car insurance in Van Horn is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Van Horn?

The cheapest car insurance in Van Horn is $100 per month for full coverage.

How much is car insurance in Van Horn for teenagers?

Car insurance for teenagers costs $302 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 Van Horn?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $158 per month to insure your car in Van Horn.

Is car insurance expensive in Van Horn?

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

Cheapest Car Insurance Quotes in Van Horn

Why you can trust Way?

How Much Is Car Insurance in Van Horn

Avg. Car Insurance in Van Horn

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Van Horn

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Van Horn Car Insurance Rates by Company

Cheap Car Insurance Companies in Van Horn, TX

Way's key takeaways about car insurance in Van Horn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Van Horn

Cheapest Liability Coverage in Van Horn, TX

Cheapest Full Coverage Car Insurance in Van Horn

Cheapest Full Coverage Car Insurance Quotes in Van Horn, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Van Horn by Rating Factor

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

Car Insurance Premiums by Age in Van Horn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Van Horn,TX

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

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 Van Horn

Cheapest Car Insurance Companies after an At-Fault Accident in Van Horn

Van Horn Car Insurance Rates by Violation

Van Horn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Van Horn after a DUI

Van Horn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Van Horn after Speeding ticket

Car Insurance Price Trends in Van Horn, Texas

Average Car Insurance Cost in Van Horn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Van Horn, TX

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

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