Cheapest and Best Car Insurance Companies in League City, TX


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Updated: May 20, 2024

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The cheapest auto insurer for you might vary based on your profile and needs. We found that State Farm offers the cheapest minimum and full coverage policies in League City and also provides the most affordable policies for veterans, drivers with tickets and drivers who have been in an accident. Mercury is the cheapest for DUI drivers. Nationwide is the cheapest for teens on family policies. Chubb has the best customer service.

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2024

Cheapest and Best Car Insurance in League City, TX

Why Trust MoneyGeek? The car insurance rates in League City for this study follow our evaluation of information and data from the Texas Department of Insurance and Quadrant Information Services. We then used our unique scoring system to rank insurers based on this data.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Liability Car Insurance in League City

In League City, the following insurance companies offer the cheapest minimum coverage policies:

  • State Farm: $374 per year
  • Texas Farm Bureau Group: $398 per year

Among League City's minimum coverage insurers, Dairyland is the most expensive at roughly $1,167 a year. With an average annual rate of $339, Texas Farm Bureau is the most affordable auto insurance in Texas as of October 2022. League City is a little more expensive, showing that insurance costs can vary by location.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
State FarmAnnual Premium$374Monthly Premium$31
Texas Farm BureauAnnual Premium$398Monthly Premium$33
AllstateAnnual Premium$417Monthly Premium$35
MercuryAnnual Premium$444Monthly Premium$37
AAA TexasAnnual Premium$540Monthly Premium$45
GEICOAnnual Premium$566Monthly Premium$47
NationwideAnnual Premium$573Monthly Premium$48
ProgressiveAnnual Premium$642Monthly Premium$53

Texans are required to carry minimum coverage insurance limits for bodily injury and property damage. In order to meet the minimum requirements of Texas law, the following must be met:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Liability-only coverage pays for damages sustained in accidents by the other driver and any passengers. If you're at fault in an accident, your insurance company covers medical costs for everyone up to $30,000 in bodily injury liability per person and $60,000 per accident. If costs exceed these limits, you’ll have to pay the difference.

Cheapest Full Coverage Car Insurance in League City

Based on MoneyGeek's research, here are the cheapest full coverage car insurance companies:

  • State Farm: $747 per year
  • Texas Farm Bureau Group: $847 per year

Rates in Dairyland are the most expensive, averaging $2,078 a year. According to our analysis, Texas Farm Bureau offers the cheapest full coverage policy in Texas at around $760 a year as of October 2022. This shows that insurance in League City is a bit cheaper and that location can influence premiums.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$747Monthly Premium$62
Texas Farm BureauAnnual Premium$847Monthly Premium$71
AllstateAnnual Premium$879Monthly Premium$73
MercuryAnnual Premium$946Monthly Premium$79
GEICOAnnual Premium$978Monthly Premium$82
AAA TexasAnnual Premium$1,096Monthly Premium$91
NationwideAnnual Premium$1,115Monthly Premium$93
ChubbAnnual Premium$1,403Monthly Premium$117

Based on MoneyGeek's research, here are the cheapest full coverage car insurance companies:

  • State Farm: $747 per year
  • Texas Farm Bureau Group: $847 per year

Rates in Dairyland are the most expensive, averaging $2,078 a year. According to our analysis, Texas Farm Bureau offers the cheapest full coverage policy in Texas at around $760 a year. This shows that insurance in League City is a bit cheaper and that location can influence premiums.

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Cheapest Car Insurance in League City After a Driving Offense

If you have the following driving violations in League City, MoneyGeek recommends these companies:

  • Speeding ticket: State Farm ($747 per year)
  • At-fault accident: State Farm ($929 per year)
  • DUI: Mercury ($1,300 per year)

Among the most expensive companies is Dairyland, which charges $2,558 per year for speeding tickets, Chubb, which charges $2,748 per year for DUIs, and Foremost, which charges $3,984 for at-fault accidents.

A traffic violation can increase your insurance rates, which may make even the cheapest policy for drivers with bad records more expensive than the most affordable policy for drivers with good records.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$747Monthly Premium$62
Texas Farm BureauAnnual Premium$847Monthly Premium$71
AllstateAnnual Premium$879Monthly Premium$73
GEICOAnnual Premium$1,137Monthly Premium$95
NationwideAnnual Premium$1,300Monthly Premium$108
MercuryAnnual Premium$1,370Monthly Premium$114
AAA TexasAnnual Premium$1,432Monthly Premium$119
ChubbAnnual Premium$1,517Monthly Premium$126

When you have more serious violations on your record, your insurance rates go up. A DUI driver will pay $312 more on average for a policy than someone with a speeding ticket. Getting cheap car insurance for drivers with a bad record means shopping around and comparing rates.

Cheapest Car Insurance in League City for Teens and Their Families

The following insurers offer the most affordable rates for teens on family policies:

  • Nationwide: $1,632 per year for female teens; $1,860 for male teens
  • State Farm: $1,965 per year for female teens; $2,376 for male teens

Allstate has the most expensive policy, costing an average of $6,415 for female teens and $7,550 per year for male teens.

The cost of insuring young men is usually higher since they are considered to be more risky. This is evidenced by the $228 price difference from Nationwide. These differences can disappear in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,632Individual Plan Monthly Premium$6,771
State FarmFamily Plan Annual Premium$1,965Individual Plan Monthly Premium$9,057
GEICOFamily Plan Annual Premium$2,360Individual Plan Monthly Premium$7,637
ProgressiveFamily Plan Annual Premium$3,792Individual Plan Monthly Premium$17,803
ForemostFamily Plan Annual Premium$3,944Individual Plan Monthly Premium$16,719
AllstateFamily Plan Annual Premium$6,415Individual Plan Monthly Premium$11,993

If you get an individual policy as a teen driver, your insurance costs will be significantly higher. When buying an individual policy, a male teen driver in League City could pay as much as $3,267 more than when getting a family policy. When you're a young driver, shopping around is key to finding the cheapest insurance for teens.

Cheapest Car Insurance in League City for Military Drivers

These companies offer the cheapest rates to veterans and drivers with military backgrounds:

  • State Farm: $747 per year
  • Texas Farm Bureau Group: $847 per year

Although USAA isn't the cheapest insurance for military drivers, its policies are tailored to them. On average, it costs $913 a year.

As far as minimum coverage goes, State Farm is the most affordable at around $374 a year. Another great option is Allstate, which charges an average of $398.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$747Monthly Premium$62
Texas Farm BureauAnnual Premium$847Monthly Premium$71
AllstateAnnual Premium$879Monthly Premium$73
USAAAnnual Premium$913Monthly Premium$76
MercuryAnnual Premium$946Monthly Premium$79
GEICOAnnual Premium$978Monthly Premium$82
AAA TexasAnnual Premium$1,096Monthly Premium$91
NationwideAnnual Premium$1,115Monthly Premium$93

How to Compare Cheap League City Car Insurance Quotes Online

Getting a quote online in League City, Texas, might take 15 minutes or more for each insurer. You'll also have to provide personal information to get an estimate.

You can save time and effort with MoneyGeek's car insurance calculator. By providing your age, car type, coverage level and driving record, you can get a fast idea of how much your insurance will cost.

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MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 19, 2024

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Best Car Insurance in League City: Summary

The best car insurance company in League City for you will depend on your preferences. The best companies in League City include:

  • Best Overall: Texas Farm Bureau Group (MoneyGeek score of 78 out of 100)
  • Best Cheap: Texas Farm Bureau Group (MoneyGeek score of 80 out of 100)
  • Best for Service: Chubb (MoneyGeek score of 76 out of 100)

Scores might change based on different weightings in each category.

The best car insurance in Texas is Texas Farm Bureau Group. With a score of 81 out of 100, USAA is worth considering if you are a military member.

Best Overall Car Insurance in League City

After weighing service quality, affordability and other factors, MoneyGeek found the best car insurance companies in League City, Texas, to be:

  • Texas Farm Bureau Group: MoneyGeek score of 78 out of 100 ($847 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($747 per year)

Texas Farm Bureau Group had high affordability and customer service scores. These are two critical factors that impact an insurer’s ability to be the best overall option in the state.

If you're in the military, USAA is also a great auto insurance company. The company got a MoneyGeek score of 81 out of 100.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

checkmark

Strong affordability and financial stability scores

checkmark

Above-average score for customer satisfaction

checkmark

Provides roadside assistance and rental car/travel reimbursement coverage

cons

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Below-average scores for coverage and claims management

COMPANY HIGHLIGHTS

Texas Farm Bureau Group stands out among competitors due to its affordable premiums and stellar financial stability rating. It also scores well for customer satisfaction.

The coverages that Texas Farm Bureau Group offers are limited, but some are useful, like roadside assistance and rental car reimbursement. Roadside assistance lets you get help when you've been in an accident, including towing and many other services like mechanical labor, locksmith work, gas deliveries and more. If you get in an accident with your car, rental car reimbursement pays for car rental or travel expenses up to your limits.

Since Texas Farm Bureau Group has a high level of customer satisfaction, you can expect smooth customer service in relation to any complaints, suggestions or claims you might have.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in League City for Customer Service

If you are looking for excellent service quality regardless of cost, the following companies in League City might be a good fit:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,403 per year)
  • Foremost: MoneyGeek score of 67 out of 100 ($1,702 per year)

Chubb scored well for claims and customer satisfaction. Its rates are higher than other insurers in the city, indicating that you will pay more for great service.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Ranked highly for claims management

checkmark

Excellent score for customer satisfaction

checkmark

Offers original equipment manufacturer (OEM) and diminished value coverage

cons

close

Doesn’t have extensive coverage options

close

Has higher premiums than its competitors

COMPANY HIGHLIGHTS

In addition to providing many rare coverages, Chubb is known for its excellent claims management and customer service.

The OEM and diminished value coverages are among the rare coverages offered by Chubb. If you are involved in an accident, OEM coverage will help you pay for the original parts. A diminished value policy provides you with a check for the amount of the car's value in the event your car is stolen or totaled. The value of your vehicle will be determined at the time of purchase of the policy.

Having earned the highest score for claims management, Chubb is able to handle your claims effectively and resolve them at the earliest possible opportunity. We also found that Chubb has a good customer satisfaction rating based on the data from J.D. Power reports and the number of complaints received from customers.

Best Cheap Car Insurance in League City

Based on a comparison of the costs and service quality of various insurance companies, MoneyGeek determined that the following companies stand out from the rest:

  • Texas Farm Bureau Group: MoneyGeek score of 80 out of 100 ($398 per year)
  • State Farm: MoneyGeek score of 78 out of 100 ($374 per year)

While League City's minimum coverage policies cost less, they don't cover any liability expenses or your vehicle in an accident.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

checkmark

An affordable minimum coverage policy costs around $398 per year

checkmark

Offers bundling, safe driving and drivers education discounts

checkmark

High scores for affordability and financial stability

cons

close

Doesn’t rank well for coverage and claims management

close

No airbag or defensive driving discounts

COMPANY HIGHLIGHTS

Among other insurance companies in League City, Texas Farm Bureau Group scored the highest on satisfaction and affordability.

Several discounts are available through the company, including discounts for bundling multiple policies, safe driving and completing a driver's education course. Texas Farm Bureau has minimal discounts compared to other insurers, making it more difficult to lower your rates.

The company's safe driving discount lets you save money if you remain claims-free. Combining your auto insurance policy with a home, renters or ag policy can help you score savings. Drivers under the age of 25 who complete a driver's education course can also receive discounts on their premiums.

Beyond these discounts, installing safety devices like anti-theft systems can help you save money on your car insurance costs.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in League City

In League City, the average cost of car insurance is $1,221 a year, which is $20 more than the average cost in Texas and $44 cheaper than the national average as of October 2022. The cost of your insurance is influenced by where you live.

These costs are based on a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.