Cheapest Car Insurance Quotes in Villa Verde

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Villa Verde Car Insurance

^$ 49

/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 Villa Verde

The car insurance rate in Villa Verde is $1194 for a six-month policy, which is $147 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $758, making it a popular choice for budget-conscious drivers. Rates in Villa Verde 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 Villa Verde

$1194

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Villa Verde

1st place: Texas Farm Bureau

At $758 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 $901 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 $928 for six months, making it the third cheapest auto insurance company in Villa Verde.

Villa Verde Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Villa Verde, TX is Texas Farm Bureau, offering policies at just $758 for a six-month term. This is followed by Mercury, which has an average six-month premium of $901.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1294 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Villa Verde drivers find the best deals.

Cheap Car Insurance Companies in Villa Verde, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$758	$128
Mercury	$901	$153
State Farm	$928	$156
AAA Texas	$942	$160
USAA	$1036	$174
Redpoint Insurance	$1110	$189
Progressive	$1280	$215
Southern County Mutual	$1469	$250
Allstate	$1748	$294
Farmers	$2796	$475
Redpoint County Mutual	$1090	$186
Geico County Mutual	$1219	$207
Germania	$488	$81
AAA	$853	$143
National General	$1294	$215

Key Takeaways

Way's key takeaways about car insurance in Villa Verde

The auto insurance costs in Villa Verde fall around $758 for six months.
The cheapest auto insurance company in Villa Verde is Texas Farm Bureau.
Teen drivers pay the highest rate in Villa Verde at $83 per month.

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Cheapest Minimum Liability Car Insurance in Villa Verde

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 Villa Verde are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Villa Verde. Their Average 6 Month Premium is $291. Germania is the most expensive at $488 for the same period.

Cheapest Liability Coverage in Villa Verde, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$291	$49
USAA	$325	$55
Progressive	$339	$57
State Farm	$345	$58
Redpoint Insurance	$380	$63
Mercury	$440	$74
AAA Texas	$488	$81
Allstate	$670	$113
Farmers	$1104	$184
Redpoint County Mutual	$366	$60
Geico County Mutual	$380	$65
National General	$420	$70
Germania	$488	$83

Cheapest Full Coverage Car Insurance in Villa Verde

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 Villa Verde is Texas Farm Bureau at $128 per month and $758 for six months.

Cheapest Full Coverage Car Insurance Quotes in Villa Verde, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$758	$128
Mercury	$901	$153
State Farm	$928	$156
AAA Texas	$942	$160
USAA	$1036	$174
Redpoint Insurance	$1110	$189
Progressive	$1280	$215
Southern County Mutual	$1469	$250
Allstate	$1748	$294
Farmers	$2796	$475
Redpoint County Mutual	$1090	$186
Geico County Mutual	$1219	$207
Germania	$488	$81
AAA	$853	$143
National General	$1294	$215

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Average Car Insurance in Villa Verde 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 Villa Verde, TX increasing?

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

Car Insurance Premiums by Age in Villa Verde

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	$797
40s	Nationwide	$791
50s	Texas Farm Bureau	$706
60s	Texas Farm Bureau	$652
70s	Texas Farm Bureau	$700

Cheapest Car Insurance Rates for Teen Drivers in Villa Verde,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Villa Verde at $64 per month. At $502 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	$386	$64
Southern County Mutual	$502	$85
Mercury	$542	$90
AAA Texas	$617	$105
Texas Farm Bureau	$1347	$227
USAA	$1469	$247
State Farm	$1524	$257
Allstate	$3826	$644
Progressive	$6528	$1099
Farmers	$9128	$1552
Redpoint County Mutual	$373	$64
Geico County Mutual	$502	$83

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 Villa Verde.

As young drivers face the highest rates in Villa Verde, Texas Farm Bureau offers the cheapest auto insurance rates at $797 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 Villa Verde, Mercury is the cheapest car insurance provider. At $589 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 Villa Verde is State Farm, offering rates of around $5113 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$589	$100
Foremost	$705	$117
AAA Texas	$751	$128
Dairyland	$873	$146
Allstate	$1145	$195
USAA	$1172	$195
Texas Farm Bureau	$1320	$225
Progressive	$1829	$308
Farmers	$4632	$788
State Farm	$5113	$852

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Car Insurance Rates with An Accident in Villa Verde

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 Villa Verde, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Villa Verde

The cheapest car insurance companies after an at-fault accident in Villa Verde include Redpoint Insurance and Southern County Mutual, offering $386 and $467, respectively. National General is an expensive provider with an average six-month premium of $657.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$386	$64
Southern County Mutual	$467	$80
State Farm	$718	$121
AAA Texas	$725	$123
Mercury	$880	$147
USAA	$1076	$181
Texas Farm Bureau	$1191	$201
Progressive	$2214	$373
Allstate	$2492	$420
Farmers	$7686	$1306
Redpoint County Mutual	$373	$62
Geico County Mutual	$467	$80
National General	$657	$112

Villa Verde Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Villa Verde TX. For example, the car insurance in Villa Verde after a DUI increases to $893 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Villa Verde auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1463	$244
One Med/PIP claim	$1476	$251
One comp claim	$1550	$259
Not-at-fault accident	$1564	$266
Two Med/PIP claims	$1571	$262
Failure to show documents	$1626	$276
Driving with expired registration	$1638	$274
Two comp claims	$1652	$280
Cell phone violation	$1666	$278
Driving without lights	$1666	$283
Texting while driving	$1666	$278
Driving too slowly	$1672	$284
Speeding 11 - 15 MPH over limit	$1672	$279
Speeding 16 - 20 MPH over limit	$1672	$284
Speeding 6 - 10 MPH over limit	$1672	$279
Speeding in school zone	$1672	$284
Child safety restraint	$1679	$280
Failure to wear a seat belt	$1679	$285
In 65 MPH zone	$1686	$282
Failure to stop at a red light	$1693	$288
Failure to yield	$1693	$283
Following too closely	$1693	$288
Illegal turn	$1693	$283
Improper passing	$1693	$288
Speeding 21 - 25 MPH over limit	$1693	$283
Passing school bus	$1700	$290
Wrong way/wrong lane	$1700	$283
Operating a vehicle without permission	$1707	$291
At-fault accident - less than $1000	$1774	$295
Open container	$1997	$340
Driving with a suspended license	$2073	$345
Racing	$2195	$373
Reckless driving	$2195	$366
Leaving scene of an accident/hit and run	$2248	$382
At-fault accident - $1000-$2000	$2255	$376
Refusal to submit to a chemical test	$2322	$394
DUI	$2356	$393
At-fault accident - greater than $2000	$2451	$417

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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 Villa Verde 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 Villa Verde.

The cheapest car insurance premiums in Villa Verde are offered by Mercury at $583 for a six-month policy. However, it can be as expensive as $3528 with companies like Farmers.

Villa Verde car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$583	$97
Foremost	$657	$112
Dairyland	$718	$120
AAA Texas	$758	$129
State Farm	$948	$160
Texas Farm Bureau	$1124	$192
Progressive	$1422	$239
USAA	$1456	$245
Allstate	$1856	$312
Nationwide	$1916	$326
Farmers	$3528	$588

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 Villa Verde are offered by State Farm at $528. However, it can be as expensive as $3840 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Villa Verde after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$528	$89
Texas Farm Bureau	$583	$99
Mercury	$603	$100
AAA Texas	$643	$109
USAA	$847	$141
Allstate	$1145	$195
Progressive	$1971	$328
Farmers	$3840	$653

Car Insurance Price Trends in Villa Verde, Texas

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

The average cost of full coverage in the Villa Verde remained steady at $236 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Villa Verde rose to $73 in December, compared to $71 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Villa Verde?

The car insurance in Villa Verde is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Villa Verde?

The cheapest car insurance in Villa Verde is $128 per month for full coverage.

How much is car insurance in Villa Verde for teenagers?

Car insurance for teenagers costs $386 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 Villa Verde?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $202 per month to insure your car in Villa Verde.

Is car insurance expensive in Villa Verde?

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

Cheapest Car Insurance Quotes in Villa Verde

Why you can trust Way?

How Much Is Car Insurance in Villa Verde

Avg. Car Insurance in Villa Verde

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Villa Verde

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Villa Verde Car Insurance Rates by Company

Cheap Car Insurance Companies in Villa Verde, TX

Way's key takeaways about car insurance in Villa Verde

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Villa Verde

Cheapest Liability Coverage in Villa Verde, TX

Cheapest Full Coverage Car Insurance in Villa Verde

Cheapest Full Coverage Car Insurance Quotes in Villa Verde, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Villa Verde by Rating Factor

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

Car Insurance Premiums by Age in Villa Verde

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Villa Verde,TX

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

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 Villa Verde

Cheapest Car Insurance Companies after an At-Fault Accident in Villa Verde

Villa Verde Car Insurance Rates by Violation

Villa Verde auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Villa Verde after a DUI

Villa Verde car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Villa Verde after Speeding ticket

Car Insurance Price Trends in Villa Verde, Texas

Average Car Insurance Cost in Villa Verde by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Villa Verde, TX

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

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