State Farm offers the lowest car insurance rates in Wichita Falls, with average annual premiums of $441 for minimum coverage and $1,018 for full coverage. Other affordable insurers in the city include GEICO, Mercury and AAA.
Car Insurance in Wichita Falls
Updated: November 11, 2025
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Key Takeaways
The cheapest car insurance companies in Wichita Falls are State Farm, GEICO and Mercury, with savings up to 39% compared to the city average.
Monthly car insurance costs in Wichita Falls average $130 for full coverage and $57 for minimum coverage.
To find the best cheap auto insurance in Wichita Falls, determine your coverage needs first and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Wichita Falls?
| State Farm | $37 | $85 | -39% |
| GEICO | $44 | $90 | -33% |
| Mercury | $47 | $109 | -21% |
| AAA | $52 | $110 | -19% |
| Germania | $64 | $133 | -1% |
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Compare the Cheapest Wichita Falls Car Insurance for You
Your car insurance rates depend heavily on your personal details, from your driving record to your credit score. Check the table below to find the most affordable insurer based on your specific profile.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $105 | $1,262 | -45% |
| Germania | $126 | $1,514 | -34% |
| GEICO | $138 | $1,654 | -28% |
| AAA | $154 | $1,853 | -19% |
| Farmers | $185 | $2,224 | -3% |
Cheapest Car Insurance by Age Group in Wichita Falls
Car insurance prices in Wichita Falls vary by age.
- Young Drivers (16 to 25): GEICO offers the lowest rates at $77 per month
- Adult Drivers (26 to 64): State Farm leads with $37 per month
- Senior Drivers (65+): State Farm provides the best rates at $43 per month
State Farm offers the most competitive rates for adult and senior drivers in Wichita Falls, while GEICO provides the lowest premiums for young drivers.
Cheapest Car Insurance for Young Drivers in Wichita Falls
GEICO and State Farm provide the lowest car insurance rates for young drivers in Wichita Falls. GEICO averages $77 monthly, while State Farm costs $83 per month.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| GEICO | $77 | $918 | -46% |
| State Farm | $83 | $995 | -42% |
| AAA | $119 | $1,433 | -16% |
| Germania | $132 | $1,579 | -8% |
| Farmers | $134 | $1,608 | -6% |
Cheapest Car Insurance for Adult Drivers in Wichita Falls
In Wichita Falls, State Farm provides the lowest rates for adult drivers (26 to 64), saving drivers around 40% on average. GEICO and AAA are also among the top affordable providers for this age group.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| State Farm | $37 | $441 | -40% |
| Geico | $44 | $528 | -28% |
| Mercury Insurance | $47 | $570 | -22% |
| AAA | $52 | $626 | -15% |
| Farmers | $56 | $678 | -7% |
Cheapest Car Insurance for Senior Drivers in Wichita Falls
State Farm offers the most affordable car insurance rates for seniors in Wichita Falls. State Farm's minimum coverage costs $43 per month or $512 annually, while full coverage costs $95 monthly or $1,139 per year.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| State Farm | $43 | $512 | -45% |
| GEICO | $58 | $691 | -26% |
| Germania | $68 | $819 | -12% |
| AAA | $71 | $855 | -8% |
| Farmers | $76 | $915 | -2% |
Cheapest Car Insurance for High-Risk Drivers in Wichita Falls
High-risk drivers in Wichita Falls can find the lowest rates from these providers:
- For Bad Credit: GEICO (from $64 per month)
- With a DUI: State Farm (from $59 per month)
- With an Accident: State Farm (from $43 per month)
- With a Speeding Ticket: State Farm (from $37 per month)
Cheapest Car Insurance for Bad Credit in Wichita Falls
GEICO offers the cheapest car insurance for bad credit in Wichita Falls at $64 monthly for minimum coverage and $150 for full coverage. The minimum coverage meets Texas state requirements, while full coverage includes 100/300/100 liability limits and a $1,000 deductible.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Clean
| GEICO | $64 | $764 | -54% |
| Dairyland | $96 | $1,147 | -31% |
| Allstate | $99 | $1,193 | -29% |
| Germania | $107 | $1,282 | -23% |
| Mercury | $113 | $1,351 | -19% |
Cheapest Car Insurance With a DUI in Wichita Falls
State Farm offers the most affordable car insurance for Wichita Falls drivers with a DUI. Compared to average city rates, you can save up to 38% on minimum coverage and 36% on full coverage.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $59 | $714 | -38% |
| Farmers | $64 | $768 | -33% |
| Mercury | $64 | $769 | -33% |
| GEICO | $76 | $911 | -20% |
| AAA | $81 | $974 | -15% |
Cheapest Car Insurance With an Accident in Wichita Falls
Drivers in Wichita Falls with an accident on record can find the lowest rates with State Farm, starting at $43 per month, about 50% less than the city's average premium.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $43 | $519 | -50% |
| Farmers | $59 | $713 | -31% |
| GEICO | $60 | $723 | -30% |
| Germania | $65 | $779 | -24% |
| AAA | $76 | $917 | -11% |
Cheapest Car Insurance With a Speeding Ticket in Wichita Falls
State Farm offers the most affordable insurance for Wichita Falls drivers with speeding tickets. State Farm's minimum liability coverage costs $37 monthly, while full coverage with higher limits costs $85 per month.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $37 | $441 | -49% |
| GEICO | $51 | $607 | -30% |
| Germania | $64 | $768 | -11% |
| Mercury | $65 | $786 | -9% |
| AAA | $69 | $826 | -4% |
Best Car Insurance Companies in Wichita Falls
The top car insurance companies in Wichita Falls are State Farm, GEICO, Mercury, AAA and Progressive. These insurers combine competitive rates with strong customer service ratings and broad coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| GEICO | 92 | 2 | 6 | 6 |
| Mercury | 91 | 3 | 5 | 4 |
| AAA | 89 | 4 | 4 | 6 |
| Progressive | 86 | 6 | 2 | 2 |
State Farm: Best Overall Value
pros
Lowest rates in Wichita Falls
Strong customer service ratings
Excellent senior driver rates
cons
Limited coverage options
Higher rates for newer cars
COMPANY HIGHLIGHTS
State Farm ranks first in Wichita Falls with the most affordable rates and strong customer satisfaction scores. State Farm's minimum coverage starts at $37 monthly, while full coverage costs $85 monthly. State Farm excels with adult drivers, seniors and drivers with incidents on their record. The insurer's high customer service ratings mean smooth claims processing and quick response times.
GEICO: Best for Young Drivers
pros
Competitive rates for new drivers
Strong digital tools
Multiple discount options
cons
Lower customer service scores
Limited local agent access
COMPANY HIGHLIGHTS
GEICO ranks second in Wichita Falls with strong rates for young drivers and newer vehicles. GEICO's minimum coverage starts at $44 monthly, with full coverage at $90 monthly. GEICO provides competitive rates for drivers with bad credit and user-friendly digital tools for policy management. The insurer's affordability score reflects consistent savings across different driver profiles.
How Much Is Car Insurance in Wichita Falls?
In Wichita Falls, minimum coverage costs about $57 per month or $690 per year, ranking 567th out of all Texas cities for affordability. Full coverage averages $130 monthly or $1,566 annually, ranking 495th among Texas cities.
| Full Coverage | $130 | $1,566 |
| Minimum Coverage | $57 | $690 |
Compare Personalized Wichita Falls Car Insurance Costs
While average rates by ZIP code and coverage type are helpful, use the table below to find rates that match your specific age, driving record and other personal factors.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| $190 | $2,276 | -12% |
Wichita Falls Car Insurance Costs by ZIP Code
In Wichita Falls, car insurance rates by ZIP code range from $52 to $153 per month. ZIP code 76301 is the most expensive, while 76305 is the cheapest. Check the average rates for your ZIP code on the table below.
Data filtered by:
76301
| 76301 | $70 | $153 |
How to Get the Best Cheap Wichita Falls Car Insurance
Car insurance rates in Wichita Falls run higher than many Texas cities, with numerous coverage options to weigh. Follow these steps to secure competitive rates while maintaining the coverage you need.
- 1Know your coverage needs first
Determine how much coverage you need for your situation. Consider your car's value, your savings and Texas state requirements. Use our car insurance coverage needs calculator to get a personalized recommendation.
- 2Explore different coverage types
Different types of car insurance can help you find better rates. Drive infrequently? Consider pay-per-mile insurance. Don't own a car? Look into non-owner coverage. These alternatives often cost less than traditional policies.
- 3Check typical costs in your area
Research average vehicle insurance costs in Wichita Falls to set realistic expectations. Typical rates help you recognize good deals and avoid overpaying. Your age, driving history and vehicle type all affect rates.
- 4Find available discounts
Look for car insurance discount opportunities to lower your premium. Bundling multiple policies or insuring multiple cars can reduce costs. Safe driver programs, good student discounts and military discounts also provide savings.
- 5Research company reliability
Check customer reviews, claims satisfaction ratings and financial strength beyond just prices. A slightly higher premium from a reliable insurer can save you money and stress during claims.
- 6Get quotes from multiple providers
Contact at least three insurance companies for quotes using local agents, company websites and comparison tools. Each quote should include the same coverage levels and deductibles for accurate comparison.
- 7Review coverage annually
Set a yearly reminder to review your car insurance policy. Life changes like moving, buying a new car or improving your credit score can qualify you for better rates. Annual shopping ensures you maintain the best combination of coverage and cost.
Cheapest Car Insurance in Wichita Falls: Bottom Line
Your driving record, credit score and coverage needs determine your car insurance rates. State Farm and GEICO offer the lowest average premiums in Wichita Falls. Compare quotes from at least three providers to find your best rate.
Cheap Wichita Falls Car Insurance: FAQ
Looking for cheap car insurance in Wichita Falls? We analyzed local rates and coverage options from major insurers to answer common questions about finding affordable coverage.
What is the cheapest car insurance company in Wichita Falls, Texas?
State Farm offers the lowest rates in Wichita Falls, with average annual premiums of $441 for minimum coverage and $1,018 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Wichita Falls?
State Farm leads Wichita Falls insurance providers with a MoneyGeek score of 95 out of 100, scoring three points higher than GEICO. The company delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Wichita Falls?
In Wichita Falls, full coverage car insurance costs $1,566 annually, while minimum coverage averages $690. Your actual rates will vary based on individual factors.
Is car insurance in Wichita Falls expensive?
Car insurance in Wichita Falls costs more than average, ranking 567th for minimum coverage affordability and 495th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Wichita Falls, TX
To help Wichita Falls drivers find the most affordable auto insurance companies, MoneyGeek analyzed Wichita Falls auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Wichita Falls and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Wichita Falls Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Wichita Falls with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Wichita Falls
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Wichita Falls based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
