Cheapest Car Insurance Quotes in West Livingston

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West Livingston Car Insurance

^$ 44

/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 West Livingston

The car insurance rate in West Livingston is $1068 for a six-month policy, which is $21 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $678, making it a popular choice for budget-conscious drivers. Rates in West Livingston 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 West Livingston

$1068

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in West Livingston

1st place: Texas Farm Bureau

At $678 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 $806 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 $830 for six months, making it the third cheapest auto insurance company in West Livingston.

West Livingston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Livingston, TX is Texas Farm Bureau, offering policies at just $678 for a six-month term. This is followed by Mercury, which has an average six-month premium of $806.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1158 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Livingston drivers find the best deals.

Cheap Car Insurance Companies in West Livingston, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$678	$114
Mercury	$806	$137
State Farm	$830	$140
AAA Texas	$843	$143
USAA	$927	$156
Redpoint Insurance	$993	$169
Progressive	$1145	$193
Southern County Mutual	$1315	$223
Allstate	$1564	$263
Farmers	$2502	$425
Redpoint County Mutual	$975	$166
Geico County Mutual	$1090	$186
Germania	$437	$72
AAA	$763	$128
National General	$1158	$193

Key Takeaways

Way's key takeaways about car insurance in West Livingston

The auto insurance costs in West Livingston fall around $678 for six months.
The cheapest auto insurance company in West Livingston is Texas Farm Bureau.
Teen drivers pay the highest rate in West Livingston at $74 per month.

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Cheapest Minimum Liability Car Insurance in West Livingston

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 West Livingston are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in West Livingston. Their Average 6 Month Premium is $260. Germania is the most expensive at $437 for the same period.

Cheapest Liability Coverage in West Livingston, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$260	$44
USAA	$291	$49
Progressive	$303	$51
State Farm	$309	$52
Redpoint Insurance	$340	$56
Mercury	$394	$66
AAA Texas	$437	$72
Allstate	$600	$101
Farmers	$987	$164
Redpoint County Mutual	$327	$54
Geico County Mutual	$340	$58
National General	$375	$62
Germania	$437	$74

Cheapest Full Coverage Car Insurance in West Livingston

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 West Livingston is Texas Farm Bureau at $114 per month and $678 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Livingston, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$678	$114
Mercury	$806	$137
State Farm	$830	$140
AAA Texas	$843	$143
USAA	$927	$156
Redpoint Insurance	$993	$169
Progressive	$1145	$193
Southern County Mutual	$1315	$223
Allstate	$1564	$263
Farmers	$2502	$425
Redpoint County Mutual	$975	$166
Geico County Mutual	$1090	$186
Germania	$437	$72
AAA	$763	$128
National General	$1158	$193

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Average Car Insurance in West Livingston 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 West Livingston, TX increasing?

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

Car Insurance Premiums by Age in West Livingston

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	$713
40s	Nationwide	$708
50s	Texas Farm Bureau	$631
60s	Texas Farm Bureau	$583
70s	Texas Farm Bureau	$626

Cheapest Car Insurance Rates for Teen Drivers in West Livingston,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the West Livingston at $57 per month. At $449 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	$346	$57
Southern County Mutual	$449	$77
Mercury	$485	$81
AAA Texas	$552	$94
Texas Farm Bureau	$1206	$203
USAA	$1315	$221
State Farm	$1364	$230
Allstate	$3423	$576
Progressive	$5841	$983
Farmers	$8167	$1388
Redpoint County Mutual	$334	$57
Geico County Mutual	$449	$74

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 West Livingston.

As young drivers face the highest rates in West Livingston, Texas Farm Bureau offers the cheapest auto insurance rates at $713 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 West Livingston, Mercury is the cheapest car insurance provider. At $527 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 West Livingston is State Farm, offering rates of around $4575 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$527	$90
Foremost	$630	$105
AAA Texas	$672	$114
Dairyland	$781	$131
Allstate	$1024	$174
USAA	$1049	$174
Texas Farm Bureau	$1181	$201
Progressive	$1636	$275
Farmers	$4144	$705
State Farm	$4575	$762

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Car Insurance Rates with An Accident in West Livingston

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 West Livingston, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in West Livingston

The cheapest car insurance companies after an at-fault accident in West Livingston include Redpoint Insurance and Southern County Mutual, offering $346 and $418, respectively. National General is an expensive provider with an average six-month premium of $588.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$346	$57
Southern County Mutual	$418	$71
State Farm	$643	$108
AAA Texas	$649	$110
Mercury	$787	$132
USAA	$963	$162
Texas Farm Bureau	$1066	$180
Progressive	$1981	$334
Allstate	$2230	$375
Farmers	$6877	$1169
Redpoint County Mutual	$334	$55
Geico County Mutual	$418	$71
National General	$588	$100

West Livingston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Livingston TX. For example, the car insurance in West Livingston after a DUI increases to $799 for a six month policy. While the rate increases by $187 for a six-month policy in the case of a speeding ticket.

West Livingston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1309	$218
One Med/PIP claim	$1321	$224
One comp claim	$1387	$232
Not-at-fault accident	$1399	$238
Two Med/PIP claims	$1406	$235
Failure to show documents	$1455	$247
Driving with expired registration	$1466	$245
Two comp claims	$1478	$251
Cell phone violation	$1490	$249
Driving without lights	$1490	$253
Texting while driving	$1490	$249
Driving too slowly	$1496	$254
Speeding 11 - 15 MPH over limit	$1496	$250
Speeding 16 - 20 MPH over limit	$1496	$254
Speeding 6 - 10 MPH over limit	$1496	$250
Speeding in school zone	$1496	$254
Child safety restraint	$1502	$251
Failure to wear a seat belt	$1502	$255
In 65 MPH zone	$1509	$252
Failure to stop at a red light	$1515	$258
Failure to yield	$1515	$253
Following too closely	$1515	$258
Illegal turn	$1515	$253
Improper passing	$1515	$258
Speeding 21 - 25 MPH over limit	$1515	$253
Passing school bus	$1521	$259
Wrong way/wrong lane	$1521	$253
Operating a vehicle without permission	$1527	$260
At-fault accident - less than $1000	$1587	$264
Open container	$1787	$304
Driving with a suspended license	$1854	$309
Racing	$1964	$334
Reckless driving	$1964	$327
Leaving scene of an accident/hit and run	$2011	$342
At-fault accident - $1000-$2000	$2018	$337
Refusal to submit to a chemical test	$2078	$353
DUI	$2108	$352
At-fault accident - greater than $2000	$2193	$373

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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 West Livingston 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 West Livingston.

The cheapest car insurance premiums in West Livingston are offered by Mercury at $521 for a six-month policy. However, it can be as expensive as $3157 with companies like Farmers.

West Livingston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$521	$87
Foremost	$588	$100
Dairyland	$643	$107
AAA Texas	$678	$115
State Farm	$849	$143
Texas Farm Bureau	$1006	$171
Progressive	$1272	$214
USAA	$1303	$219
Allstate	$1661	$279
Nationwide	$1715	$292
Farmers	$3157	$526

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 West Livingston are offered by State Farm at $472. However, it can be as expensive as $3435 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in West Livingston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$472	$80
Texas Farm Bureau	$521	$89
Mercury	$540	$90
AAA Texas	$575	$98
USAA	$758	$126
Allstate	$1024	$174
Progressive	$1764	$294
Farmers	$3435	$584

Car Insurance Price Trends in West Livingston, Texas

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

The average cost of full coverage in the West Livingston remained steady at $211 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the West Livingston rose to $65 in December, compared to $63 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 West Livingston?

The car insurance in West Livingston is $44 per month, which is lower than the national average.

What is the cheapest car insurance in West Livingston?

The cheapest car insurance in West Livingston is $114 per month for full coverage.

How much is car insurance in West Livingston for teenagers?

Car insurance for teenagers costs $346 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 West Livingston?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $181 per month to insure your car in West Livingston.

Is car insurance expensive in West Livingston?

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

Cheapest Car Insurance Quotes in West Livingston

Why you can trust Way?

How Much Is Car Insurance in West Livingston

Avg. Car Insurance in West Livingston

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in West Livingston

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

West Livingston Car Insurance Rates by Company

Cheap Car Insurance Companies in West Livingston, TX

Way's key takeaways about car insurance in West Livingston

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Livingston

Cheapest Liability Coverage in West Livingston, TX

Cheapest Full Coverage Car Insurance in West Livingston

Cheapest Full Coverage Car Insurance Quotes in West Livingston, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Livingston by Rating Factor

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

Car Insurance Premiums by Age in West Livingston

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Livingston,TX

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

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 West Livingston

Cheapest Car Insurance Companies after an At-Fault Accident in West Livingston

West Livingston Car Insurance Rates by Violation

West Livingston auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Livingston after a DUI

West Livingston car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Livingston after Speeding ticket

Car Insurance Price Trends in West Livingston, Texas

Average Car Insurance Cost in West Livingston by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Livingston, TX

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

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