Cheapest Car Insurance Quotes in Villa Verde

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Villa Verde Car Insurance

^$ 57

/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 $1458 for a six-month policy, which is $179 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $901, 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

$1458

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Villa Verde

1st place: Mercury

At $901 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 $935 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 $942 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 Mercury, offering policies at just $901 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $935.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2796 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
Mercury	$901	$150
Texas Farm Bureau	$935	$158
AAA Texas	$942	$157
State Farm	$975	$164
USAA	$1064	$179
Redpoint Insurance	$1110	$189
AAA	$1368	$228
Progressive	$1422	$239
Southern County Mutual	$1469	$245
Allstate	$3061	$515
Farmers	$2796	$475

Key Takeaways

Way's key takeaways about car insurance in Villa Verde

The auto insurance costs in Villa Verde fall around $901 for six months.
The cheapest auto insurance company in Villa Verde is USAA.
Teen drivers pay the highest rate in Villa Verde at $1552 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.

USAA provides the cheapest minimum car insurance coverage in Villa Verde. Their Average 6 Month Premium is $339. Farmers is the most expensive at $1104 for the same period.

Cheapest Liability Coverage in Villa Verde, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$339	$57
Texas Farm Bureau	$352	$60
State Farm	$366	$62
Redpoint Insurance	$380	$65
Mercury	$440	$74
AAA	$488	$83
AAA Texas	$488	$81
Progressive	$502	$84
Allstate	$1057	$178
Farmers	$1104	$184

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 Mercury at $150 per month and $901 for six months.

Cheapest Full Coverage Car Insurance Quotes in Villa Verde, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$901	$150
Texas Farm Bureau	$935	$158
AAA Texas	$942	$157
State Farm	$975	$164
USAA	$1064	$179
Redpoint Insurance	$1110	$189
AAA	$1368	$228
Progressive	$1422	$239
Southern County Mutual	$1469	$245
Allstate	$3061	$515
Farmers	$2796	$475

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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

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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 $66 per month. At $9128 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$386	$66
Southern County Mutual	$502	$83
Mercury	$542	$92
AAA Texas	$617	$103
USAA	$1550	$261
State Farm	$1652	$278
Texas Farm Bureau	$1734	$295
AAA	$2844	$474
Allstate	$5208	$877
Progressive	$7260	$1222
Farmers	$9128	$1552

Teen Car Insurance Rates in TX by Age

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 Farmers, offering rates of around $4632 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$589	$98
Foremost	$705	$120
AAA Texas	$751	$125
Dairyland	$873	$148
USAA	$1313	$219
Progressive	$1882	$317
AAA	$2282	$381
Allstate	$5369	$913
State Farm	$7009	$1169
Texas Farm Bureau	$1320	$225
Farmers	$4632	$788

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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. Farmers is an expensive provider with an average six-month premium of $7686.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$386	$64
Southern County Mutual	$467	$80
AAA Texas	$725	$121
State Farm	$779	$131
Mercury	$880	$147
USAA	$1124	$189
Texas Farm Bureau	$1463	$244
AAA	$2322	$394
Progressive	$2485	$418
Allstate	$4842	$815
Farmers	$7686	$1306

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	$995	$168
USAA	$1550	$261
Progressive	$1585	$267
Nationwide	$1916	$326
AAA	$3515	$586
Allstate	$4003	$674
Texas Farm Bureau	$1124	$192
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 Mercury at $603. 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
Mercury	$603	$100
State Farm	$622	$105
AAA Texas	$643	$107
USAA	$955	$162
AAA	$2322	$388
Progressive	$2478	$422
Allstate	$3765	$627
Texas Farm Bureau	$583	$99
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 $246 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Villa Verde remained steady at $80 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Villa Verde?

The car insurance in Villa Verde is $57 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 $150 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 $1279 for a six-month policy. It will cost around $245 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: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

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 N/A 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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