Cheapest Car Insurance Quotes in West University Place

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West University Place Car Insurance

^$ 51

/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 University Place

The car insurance rate in West University Place is $1235 for a six-month policy, which is $188 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $785, making it a popular choice for budget-conscious drivers. Rates in West University Place 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 University Place

$1235

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in West University Place

1st place: Texas Farm Bureau

At $785 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 $932 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 $961 for six months, making it the third cheapest auto insurance company in West University Place.

West University Place Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West University Place, TX is Texas Farm Bureau, offering policies at just $785 for a six-month term. This is followed by Mercury, which has an average six-month premium of $932.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1339 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West University Place drivers find the best deals.

Cheap Car Insurance Companies in West University Place, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$785	$132
Mercury	$932	$158
State Farm	$961	$162
AAA Texas	$975	$165
USAA	$1073	$181
Redpoint Insurance	$1149	$196
Progressive	$1325	$223
Southern County Mutual	$1521	$258
Allstate	$1809	$304
Farmers	$2895	$492
Redpoint County Mutual	$1128	$192
Geico County Mutual	$1261	$215
Germania	$505	$84
AAA	$883	$148
National General	$1339	$223

Key Takeaways

Way's key takeaways about car insurance in West University Place

The auto insurance costs in West University Place fall around $785 for six months.
The cheapest auto insurance company in West University Place is Texas Farm Bureau.
Teen drivers pay the highest rate in West University Place at $86 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 West University Place

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 University Place are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in West University Place. Their Average 6 Month Premium is $301. Germania is the most expensive at $505 for the same period.

Cheapest Liability Coverage in West University Place, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$301	$51
USAA	$336	$57
Progressive	$350	$59
State Farm	$358	$60
Redpoint Insurance	$393	$65
Mercury	$455	$77
AAA Texas	$505	$84
Allstate	$694	$117
Farmers	$1142	$190
Redpoint County Mutual	$379	$63
Geico County Mutual	$393	$67
National General	$434	$72
Germania	$505	$86

Cheapest Full Coverage Car Insurance in West University Place

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 University Place is Texas Farm Bureau at $132 per month and $785 for six months.

Cheapest Full Coverage Car Insurance Quotes in West University Place, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$785	$132
Mercury	$932	$158
State Farm	$961	$162
AAA Texas	$975	$165
USAA	$1073	$181
Redpoint Insurance	$1149	$196
Progressive	$1325	$223
Southern County Mutual	$1521	$258
Allstate	$1809	$304
Farmers	$2895	$492
Redpoint County Mutual	$1128	$192
Geico County Mutual	$1261	$215
Germania	$505	$84
AAA	$883	$148
National General	$1339	$223

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Average Car Insurance in West University Place 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 University Place, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in West University Place, 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 University Place'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 University Place

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	$825
40s	Nationwide	$819
50s	Texas Farm Bureau	$730
60s	Texas Farm Bureau	$675
70s	Texas Farm Bureau	$725

Cheapest Car Insurance Rates for Teen Drivers in West University Place,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 University Place at $66 per month. At $519 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	$400	$66
Southern County Mutual	$519	$89
Mercury	$561	$93
AAA Texas	$638	$109
Texas Farm Bureau	$1395	$235
USAA	$1521	$256
State Farm	$1578	$266
Allstate	$3960	$667
Progressive	$6757	$1138
Farmers	$9448	$1606
Redpoint County Mutual	$386	$66
Geico County Mutual	$519	$86

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 University Place.

As young drivers face the highest rates in West University Place, Texas Farm Bureau offers the cheapest auto insurance rates at $825 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 University Place, Mercury is the cheapest car insurance provider. At $610 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 University Place is State Farm, offering rates of around $5292 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$610	$104
Foremost	$729	$122
AAA Texas	$778	$132
Dairyland	$904	$151
Allstate	$1185	$202
USAA	$1213	$202
Texas Farm Bureau	$1366	$232
Progressive	$1893	$319
Farmers	$4794	$815
State Farm	$5292	$881

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Save up to $971/yr on car insurance rates in West University Place.

Car Insurance Rates with An Accident in West University Place

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 University Place, TX, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in West University Place include Redpoint Insurance and Southern County Mutual, offering $400 and $484, respectively. National General is an expensive provider with an average six-month premium of $680.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$400	$66
Southern County Mutual	$484	$83
State Farm	$743	$125
AAA Texas	$750	$127
Mercury	$911	$152
USAA	$1114	$188
Texas Farm Bureau	$1233	$208
Progressive	$2292	$386
Allstate	$2579	$434
Farmers	$7956	$1352
Redpoint County Mutual	$386	$64
Geico County Mutual	$484	$83
National General	$680	$116

West University Place Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West University Place TX. For example, the car insurance in West University Place after a DUI increases to $925 for a six month policy. While the rate increases by $217 for a six-month policy in the case of a speeding ticket.

West University Place auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1514	$253
One Med/PIP claim	$1528	$260
One comp claim	$1605	$268
Not-at-fault accident	$1619	$275
Two Med/PIP claims	$1626	$271
Failure to show documents	$1683	$286
Driving with expired registration	$1696	$283
Two comp claims	$1710	$290
Cell phone violation	$1724	$288
Driving without lights	$1724	$293
Texting while driving	$1724	$288
Driving too slowly	$1731	$294
Speeding 11 - 15 MPH over limit	$1731	$289
Speeding 16 - 20 MPH over limit	$1731	$294
Speeding 6 - 10 MPH over limit	$1731	$289
Speeding in school zone	$1731	$294
Child safety restraint	$1738	$290
Failure to wear a seat belt	$1738	$295
In 65 MPH zone	$1745	$291
Failure to stop at a red light	$1752	$299
Failure to yield	$1752	$293
Following too closely	$1752	$299
Illegal turn	$1752	$293
Improper passing	$1752	$299
Speeding 21 - 25 MPH over limit	$1752	$293
Passing school bus	$1759	$300
Wrong way/wrong lane	$1759	$293
Operating a vehicle without permission	$1766	$301
At-fault accident - less than $1000	$1836	$306
Open container	$2067	$352
Driving with a suspended license	$2145	$358
Racing	$2272	$386
Reckless driving	$2272	$379
Leaving scene of an accident/hit and run	$2327	$395
At-fault accident - $1000-$2000	$2334	$389
Refusal to submit to a chemical test	$2404	$408
DUI	$2439	$407
At-fault accident - greater than $2000	$2537	$432

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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 University Place 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 University Place.

The cheapest car insurance premiums in West University Place are offered by Mercury at $603 for a six-month policy. However, it can be as expensive as $3652 with companies like Farmers.

West University Place car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$603	$100
Foremost	$680	$116
Dairyland	$743	$124
AAA Texas	$785	$133
State Farm	$982	$165
Texas Farm Bureau	$1163	$198
Progressive	$1471	$248
USAA	$1507	$254
Allstate	$1921	$323
Nationwide	$1984	$337
Farmers	$3652	$609

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 University Place are offered by State Farm at $546. However, it can be as expensive as $3974 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in West University Place after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$546	$92
Texas Farm Bureau	$603	$103
Mercury	$624	$104
AAA Texas	$666	$113
USAA	$877	$146
Allstate	$1185	$202
Progressive	$2040	$340
Farmers	$3974	$676

Car Insurance Price Trends in West University Place, Texas

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

The average cost of full coverage in the West University Place remained steady at $244 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the West University Place rose to $76 in December, compared to $73 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in West University Place?

The car insurance in West University Place is $51 per month, which is lower than the national average.

What is the cheapest car insurance in West University Place?

The cheapest car insurance in West University Place is $132 per month for full coverage.

How much is car insurance in West University Place for teenagers?

Car insurance for teenagers costs $400 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 University Place?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $209 per month to insure your car in West University Place.

Is car insurance expensive in West University Place?

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

Cheapest Car Insurance Quotes in West University Place

Why you can trust Way?

How Much Is Car Insurance in West University Place

Avg. Car Insurance in West University Place

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in West University Place

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

West University Place Car Insurance Rates by Company

Cheap Car Insurance Companies in West University Place, TX

Way's key takeaways about car insurance in West University Place

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West University Place

Cheapest Liability Coverage in West University Place, TX

Cheapest Full Coverage Car Insurance in West University Place

Cheapest Full Coverage Car Insurance Quotes in West University Place, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West University Place by Rating Factor

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

Car Insurance Premiums by Age in West University Place

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West University Place,TX

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

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 University Place

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

West University Place Car Insurance Rates by Violation

West University Place auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West University Place after a DUI

West University Place car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West University Place after Speeding ticket

Car Insurance Price Trends in West University Place, Texas

Average Car Insurance Cost in West University Place by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West University Place, TX

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

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