bestauto insuranceLeague CityCompare the Cheapest Car Insurance Quotes in League City, TX
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Farmers is the cheapest insurer in League City for full coverage and state minimum policies. State Farm is the least expensive option if you have a speeding ticket.
If you are a member of a military family, USAA might be the cheapest option. MoneyGeek also discovered that the best car insurance company in League City offering affordable coverage and good service is State Farm.
bestauto insuranceLeague CityThe Cheapest and Best Car Insurance in League City
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - State Farm
Best Overall - State Farm
The Cheapest Car Insurance Companies in League City
On average, the cheapest insurers for drivers seeking a full coverage policy in League City are:
- Farmers: $821 per year
- State Farm: $825 per year
If you are an active or retired military personnel or a member of a military family, you can consider USAA, which is the cheapest car insurer in League City at approximately $788 per year.
The cheapest non-USAA insurer is Farmers, and it is roughly 202.6% cheaper than the city’s most expensive insurer, The General. Full coverage includes both comprehensive and collision insurance, and the rates can vary based on your limits.
Cheapest Car Insurance in League City
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$788
- 2.$821
- 3.$825
- 4.$854
- 5.$1,069
Using MoneyGeek’s methodology, we collected average quotes for a 40-year old male driver in League City with a full coverage policy.
Full coverage is more expensive than the state minimum coverage, but it combines comprehensive and collision coverages, giving you better protection against the cost of damage to your vehicle.
A full coverage policy includes:
- Collision insurance: helps you repair or replace your car if it’s damaged from a collision
- Comprehensive insurance: covers expenses on non-accidental damage to your car, including theft and vandalism
If you’re driving an old car, you may have to pay more for insurance than the price of your car. In this case, a good option is to purchase liability-only insurance or even state minimum car insurance.
Compare Car Insurance Rates in League City
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in League City for Minimum Coverage
Buying the minimum car insurance in League City is the best way to get the cheapest premium. On average, the cheapest car insurance companies in League City for a state minimum policy are:
- Farmers: $415 per year
- State Farm: $445 per year
USAA is the cheapest option at roughly $389 per year, but it’s only available for military personnel and their families.
Farmers is cheaper by around $842 compared with The General, the most expensive insurer for state minimum in League City at around $1,257 per year.
Note that although the state minimum is the most affordable policy, it doesn’t include comprehensive and collision insurance. This means that it has low levels of liability coverage. Toggle the table below to have an idea of how much higher liability coverage costs.
Cheapest Minimum Liability Car Insurance in League City
State Minimum
- CompanyState Minimumper year
- 1.$389
- 2.$415
- 3.$445
- 4.$473
- 5.$559
The state minimum coverage includes bodily injury and property damage liability at 30/60/25 limits. Although buying minimum car insurance in Texas is the cheapest option, it comes with the least protection. You can save on your monthly bill with a state minimum policy, but you may end up shelling a large amount in case of an accident.
For example, in the event you have an accident where there are $90,000 in medical bills, you need to pay $30,000 out of pocket.
Texas Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in League City if You Have Driving Violations
Driving violations, such as DUIs, tickets and at-fault accidents, can increase your insurance cost. Fortunately, some insurers offer cheap coverages for drivers with driving violations. In League City, we found the cheapest companies on average if you have a driving violation:
- Cheapest after a ticket: State Farm at $825 per year
- Cheapest after an at-fault accident: State Farm at $991 per year
- Cheapest after a DUI: Esurance at $1,138 per year
You can reduce your premium by improving your driving records, but it may take time. In the meantime, it's best to shop around and compare quotes from various insurers to find the cheapest car insurance after tickets or accidents.
Cheapest Car Insurance in League City With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$825
- 2.$883
- 3.$999
- 4.$1,074
- 5.$1,128
Average Cost of Car Insurance in League City
League City$1,247
Texas$1,316
U.S.$1,424
In League City, you can expect to pay around $1,247 per year, which is approximately 5.2% cheaper than the state minimum and 12.4% cheaper than the national average. Keep in mind that the average cost of car insurance depends on several factors, such as location, credit score and driving records.
Personalized Quotes to Get You the Cheapest Car Insurance in League City
Car insurance quotes are affected by several factors, including your age, gender, make and model of your vehicle, coverage level and ZIP code. We recommend that you compare quotes from different insurers in League City to help you find the right coverage based on your budget and profile.
Compare Car Insurance Rates in League City
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in League City
MoneyGeek scored auto insurers in League City to find the best by taking into account average rates, claims ratings and customer satisfaction. Based on these factors, the best car insurance companies in League City are:
- State Farm: MoneyGeek score of 95 out of 100
- Farmers: MoneyGeek score of 90 out of 100
Because it is only available to drivers with a military background, USAA was excluded from our overall rankings. However, it received a MoneyGeek score of 96 out of 100, making it the best auto insurance company in League City for drivers with a military background.
1
State Farm
Score:95
State Farm received high scores for affordability, claims and customer satisfaction. Its full coverage policy for a 40-year-old driver costs $825 per year on average in League City. The company offers add-on rideshare insurance.
More About State Farm
State Farm's add-on rideshare insurance extends medical payments coverage, emergency roadside assistance and rental car reimbursement to those working for a ridesharing company in League City.
State Farm also offers roadside assistance and rental car and/or travel reimbursement add-ons. Roadside assistance pays for mechanical labor, locksmith labor, towing, delivery of gas, oil or a battery or a tire change. Meanwhile, rental car and/or travel reimbursement provides car rental expenses up to a chosen limit and travel expenses (meals, lodging and transportation) up to $500.
Read MoneyGeek's State Farm auto Insurance Review2
Farmers
Score:90
Averaging $821 per year for a 40-year-old driver with full coverage, Farmers is one of the best car insurance companies in League City. It earned high ratings for affordability, claims and customer satisfaction. The company offers add-on original equipment manufacturer (OEM) coverage.
More About Farmers
With Farmers in League City, you can add several unique add-on coverages to your auto policy. One of them is OEM coverage, which makes sure of the use of factory-original parts in covered repairs in cars up to 10 years old.
Another add-on is custom parts coverage, which pays to repair or replace aftermarket equipment, such as infotainment systems and custom wheels, in a covered claim. You can also include glass deductible modification that allows you to reduce your comprehensive deductible to $100 when the loss is restricted to glass.
Read MoneyGeek's Farmers auto Insurance Review3
GEICO
Score:90
4
AAA
Score:78
5
Allstate
Score:74
6
Nationwide
Score:70
7
Mercury
Score:62
8
Esurance
Score:56
9
MetLife
Score:38
10
The General
Score:2.8
Average Cost of Car Insurance by Postal Code
ZIP codes can affect the cost of your insurance. Car insurance costs in Texas can vary by neighborhood based on car theft cases, accidents and the number of uninsured motorists.
However, in League City, the average car insurance rate is the same across all ZIP codes.
- Zip CodeState Minimumper year
- 77573$1,247
Factors That Impact Insurance Costs in League City
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in League City. How League City ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
