Cheapest and Best Car Insurance Companies in League City, TX

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.