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Cheap Auto Insurance Quotes in Spring, TX, for 2023
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Written by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Updated June 28, 2022
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Quick Facts
The average cost of car insurance in Spring is $276 per month or $3,312 annually.
Car insurance in Spring is $6 more than the average cost of insurance in Texas.
The cheapest top car insurance provider in Spring on average is Progressive.
Car Insurance in Spring, TX
It can be a challenge to find the cheapest auto insurance that fits both your personal details and insurance needs. Since there are so many companies offering low-cost car insurance and because there are so many factors that can affect your rates, Insurify puts all its research at your fingertips to make finding and comparing car insurance a lot easier.
Quotes by Top Companies
Progressive$161
Travelers$203
State Auto$216
Nationwide$267
Bristol West$269
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Cheapest Car Insurance in Spring, TX
What is the cheapest car insurance in Spring?
Progressive is the cheapest top car insurance provider on average in Spring, with rates starting at $161 per month. It’s still important to compare car insurance quotes, as everyone’s situation is unique.
As this chart shows, there is an abundance of insurance companies operating in Spring. Premiums range from $119 to $457 on average, but your individual rate will likely vary on your personal driving details. Always compare quotes to find the best car insurance for your needs.
| Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $161 |
| Travelers | $203 |
| State Auto | $216 |
| Nationwide | $267 |
| Bristol West | $269 |
| Dairyland | $273 |
| Liberty Mutual | $306 |
| Mile Auto | $119 |
| Clearcover | $171 |
| Apparent | $180 |
| Elephant | $186 |
| Safeco | $197 |
| Foremost | $210 |
| Kemper Preferred | $211 |
| Acuity | $219 |
| SafeAuto | $225 |
| Mercury | $231 |
| AssuranceAmerica | $235 |
| Midvale Home & Auto | $250 |
| Kemper | $276 |
| Commonwealth Casualty | $281 |
| Kemper Specialty | $297 |
| Texas Ranger | $298 |
| GAINSCO | $303 |
| Jupiter | $335 |
| Alinsco | $343 |
| Stillwater | $356 |
| Freedom National | $357 |
| Aggressive | $359 |
| Aspen | $364 |
| Quantum | $367 |
| Pronto | $369 |
| Infinity | $369 |
| The General | $402 |
| Hallmark | $457 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Minimum Car Insurance Requirements in Texas
All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Texas[1] are:
$30,000 per person for bodily injury
$60,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Spring Car Insurance Rates by Driving and Accident History
As you can see in the table below, you will often get the cheapest insurance when you maintain a clean driving record[1]. Accidents and driving infractions can raise the price of your auto policy by as much as $100 per month. Since other factors affect the price of insurance as well, let Insurify find you quotes for the cheapest car insurance available.
| Driver History | Average Monthly Cost |
|---|---|
| Clean Record | $267 |
| Speeding Ticket | $358 |
| At-Fault Accident | $390 |
| DUI | $531 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Spring Car Insurance Rates by Credit Tier
In general, maintaining good credit will help you get the cheapest car insurance possible[2]. Insurance companies will often look at your credit score when determining rates, so if you can keep your credit high, you may be able to keep your insurance rates low.
How to Get the Cheapest Car Insurance in Spring
When you’re looking for affordable car insurance, make sure to compare car insurance rates. Even though a certain provider in Spring might have the cheapest car insurance on average, your individual rate may vary based on your personal details.
By entering details about yourself, your car, and your driving history, you can get quotes for the cheapest car insurance in your city from Insurify. It uses the information from over four million insurance applications to determine which local companies offer the cheapest car insurance that’s right for you.
Frequently Asked Questions
To find the cheapest insurance available to you, you need to compare quotes from different companies. But since so many variables affect the cost of car insurance, you cannot just compare company averages—you need to compare what companies will offer you specifically.
Depending on your personal details and which insurer you choose, car insurance policies in Spring can range anywhere between $119 and $457 on average. Your individual premium will depend on various factors such as your driving history, credit score, and vehicle type.
When it comes to finding cheap car insurance, consider your personal history as well as the traffic, weather, crime, and accident statistics of your city. Spring ranks extremely high in Texas when it comes to certain driving infractions, and this might be one reason Spring insurance tends to be a bit higher than the Texas average.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Texas Department of Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
- Texas Department of Insurance. "How your credit score can affect your insurance rates." Accessed June 14, 2022
