Cheapest Car Insurance Quotes in Wharton

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Wharton 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 Wharton

The car insurance rate in Wharton is $1253 for a six-month policy, which is $26 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $774, making it a popular choice for budget-conscious drivers. Rates in Wharton 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 Wharton

$1253

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in Wharton

1st place: Mercury

At $774 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 $804 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 $809 for six months, making it the third cheapest auto insurance company in Wharton.

Wharton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wharton, TX is Mercury, offering policies at just $774 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $804.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2404 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wharton drivers find the best deals.

Cheap Car Insurance Companies in Wharton, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$774	$129
Texas Farm Bureau	$804	$136
AAA Texas	$809	$135
State Farm	$838	$141
USAA	$914	$154
Redpoint Insurance	$955	$163
AAA	$1176	$196
Progressive	$1222	$206
Southern County Mutual	$1263	$211
Allstate	$2631	$443
Farmers	$2404	$409

Key Takeaways

Way's key takeaways about car insurance in Wharton

The auto insurance costs in Wharton fall around $774 for six months.
The cheapest auto insurance company in Wharton is USAA.
Teen drivers pay the highest rate in Wharton at $1334 per month.

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Cheapest Minimum Liability Car Insurance in Wharton

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 Wharton are given below.

USAA provides the cheapest minimum car insurance coverage in Wharton. Their Average 6 Month Premium is $291. Farmers is the most expensive at $949 for the same period.

Cheapest Liability Coverage in Wharton, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$291	$49
Texas Farm Bureau	$303	$52
State Farm	$315	$53
Redpoint Insurance	$326	$56
Mercury	$378	$64
AAA	$419	$72
AAA Texas	$419	$70
Progressive	$431	$73
Allstate	$908	$153
Farmers	$949	$158

Cheapest Full Coverage Car Insurance in Wharton

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 Wharton is Mercury at $129 per month and $774 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wharton, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$774	$129
Texas Farm Bureau	$804	$136
AAA Texas	$809	$135
State Farm	$838	$141
USAA	$914	$154
Redpoint Insurance	$955	$163
AAA	$1176	$196
Progressive	$1222	$206
Southern County Mutual	$1263	$211
Allstate	$2631	$443
Farmers	$2404	$409

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Average Car Insurance in Wharton 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 Wharton, TX increasing?

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

Car Insurance Premiums by Age in Wharton

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 Wharton,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Wharton at $57 per month. At $7847 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$332	$57
Southern County Mutual	$431	$72
Mercury	$466	$79
AAA Texas	$530	$88
USAA	$1333	$224
State Farm	$1420	$239
Texas Farm Bureau	$1491	$254
AAA	$2445	$408
Allstate	$4477	$754
Progressive	$6241	$1051
Farmers	$7847	$1334

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 Wharton, Mercury is the cheapest car insurance provider. At $507 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 Wharton is Farmers, offering rates of around $3982 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$507	$84
Foremost	$606	$103
AAA Texas	$646	$108
Dairyland	$751	$127
USAA	$1129	$188
Progressive	$1618	$272
AAA	$1962	$327
Allstate	$4616	$785
State Farm	$6025	$1005
Texas Farm Bureau	$1135	$193
Farmers	$3982	$677

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Save up to $971/yr on car insurance rates in Wharton.

Car Insurance Rates with An Accident in Wharton

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

Cheapest Car Insurance Companies after an At-Fault Accident in Wharton

The cheapest car insurance companies after an at-fault accident in Wharton include Redpoint Insurance and Southern County Mutual, offering $332 and $402, respectively. Farmers is an expensive provider with an average six-month premium of $6607.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$332	$55
Southern County Mutual	$402	$69
AAA Texas	$623	$104
State Farm	$669	$113
Mercury	$757	$126
USAA	$966	$163
Texas Farm Bureau	$1257	$210
AAA	$1996	$339
Progressive	$2136	$360
Allstate	$4162	$701
Farmers	$6607	$1123

Wharton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wharton TX. For example, the car insurance in Wharton after a DUI increases to $769 for a six month policy. While the rate increases by $181 for a six-month policy in the case of a speeding ticket.

Wharton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1257	$210
One Med/PIP claim	$1269	$216
One comp claim	$1333	$222
Not-at-fault accident	$1345	$228
Two Med/PIP claims	$1350	$225
Failure to show documents	$1397	$237
Driving with expired registration	$1408	$235
Two comp claims	$1420	$241
Cell phone violation	$1432	$239
Driving without lights	$1432	$243
Texting while driving	$1432	$239
Driving too slowly	$1438	$244
Speeding 11 - 15 MPH over limit	$1438	$240
Speeding 16 - 20 MPH over limit	$1438	$244
Speeding 6 - 10 MPH over limit	$1438	$240
Speeding in school zone	$1438	$244
Child safety restraint	$1444	$241
Failure to wear a seat belt	$1444	$245
In 65 MPH zone	$1449	$242
Failure to stop at a red light	$1455	$248
Failure to yield	$1455	$243
Following too closely	$1455	$248
Illegal turn	$1455	$243
Improper passing	$1455	$248
Speeding 21 - 25 MPH over limit	$1455	$243
Passing school bus	$1461	$249
Wrong way/wrong lane	$1461	$243
Operating a vehicle without permission	$1467	$250
At-fault accident - less than $1000	$1525	$254
Open container	$1717	$292
Driving with a suspended license	$1782	$297
Racing	$1887	$320
Reckless driving	$1887	$315
Leaving scene of an accident/hit and run	$1933	$328
At-fault accident - $1000-$2000	$1938	$323
Refusal to submit to a chemical test	$1996	$339
DUI	$2026	$338
At-fault accident - greater than $2000	$2107	$359

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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 Wharton 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 Wharton.

The cheapest car insurance premiums in Wharton are offered by Mercury at $501 for a six-month policy. However, it can be as expensive as $3033 with companies like Farmers.

Wharton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$501	$83
Foremost	$564	$96
Dairyland	$617	$103
AAA Texas	$652	$111
State Farm	$856	$144
USAA	$1333	$224
Progressive	$1362	$229
Nationwide	$1647	$280
AAA	$3021	$504
Allstate	$3441	$579
Texas Farm Bureau	$966	$165
Farmers	$3033	$506

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 Wharton are offered by Mercury at $518. However, it can be as expensive as $3301 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Wharton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$518	$86
State Farm	$535	$90
AAA Texas	$553	$92
USAA	$821	$139
AAA	$1996	$333
Progressive	$2131	$363
Allstate	$3237	$539
Texas Farm Bureau	$501	$85
Farmers	$3301	$562

Car Insurance Price Trends in Wharton, Texas

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

The average cost of full coverage in the Wharton remained steady at $212 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Wharton remained steady at $69 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 Wharton?

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

What is the cheapest car insurance in Wharton?

The cheapest car insurance in Wharton is $129 per month for full coverage.

How much is car insurance in Wharton for teenagers?

Car insurance for teenagers costs $332 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 Wharton?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $211 per month to insure your car in Wharton.

Is car insurance expensive in Wharton?

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

Cheapest Car Insurance Quotes in Wharton

Why you can trust Way?

How Much Is Car Insurance in Wharton

Avg. Car Insurance in Wharton

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Wharton

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Wharton Car Insurance Rates by Company

Cheap Car Insurance Companies in Wharton, TX

Way's key takeaways about car insurance in Wharton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wharton

Cheapest Liability Coverage in Wharton, TX

Cheapest Full Coverage Car Insurance in Wharton

Cheapest Full Coverage Car Insurance Quotes in Wharton, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wharton by Rating Factor

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

Car Insurance Premiums by Age in Wharton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wharton,TX

If you are in your twenties N/A is the best choice for car insurance in Wharton.

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 Wharton

Cheapest Car Insurance Companies after an At-Fault Accident in Wharton

Wharton Car Insurance Rates by Violation

Wharton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wharton after a DUI

Wharton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wharton after Speeding ticket

Car Insurance Price Trends in Wharton, Texas

Average Car Insurance Cost in Wharton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wharton, TX

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

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