Cheap Car Insurance in Baytown, Texas (With 2021 Rates)

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Home » Car insurance » Texas » Cheap Car Insurance Baytown

Lowest Premium

$410 / YEAR

Average Premium

$617 / YEAR

Highest Premium

$827 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Baytown is around $617 and can go upto $827. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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Car Insurance Rates in Baytown by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Baytown. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
77520$626
77521$593
77523$622

Insurance Agents in Baytown, TX and Near by

  • 0 mi
    L.A. Insurance Agency TX22
    2005 Ward Rd, Baytown, TX 77520
    (713) 692-8400
  • 0 mi
    Liberty Insurance
    102 Oak Shadows St, Baytown, TX 77520
    (281) 420-3339
  • 0 mi
    Harris County Insurance Center
    1008 W Sterling St, Baytown, TX 77520
    (281) 422-9859
  • 0 mi
    Trevco Insurance
    411 N Alexander Dr, Baytown, TX 77520
    (281) 427-9063
  • 0 mi
    Freeway Insurance
    1248 Garth Rd Ste E, Baytown, TX 77520
    (832) 241-5213
  • 0 mi
    Penny Insurance
    1900 Garth Rd Ste 4, Baytown, TX 77520
    (832) 410-8555
  • 0 mi
    A.E.X. Insurance
    700 Park St, Baytown, TX 77520
    (281) 420-1707
  • 0 mi
    A&A Allstarz Insurance Agency
    2001 N Main St, Baytown, TX 77520
    (832) 695-3461
  • 0 mi
    Jennifer Muldrow
    2400 N Pruett St, Baytown, TX 77520
    (281) 427-7337
  • 0 mi
    Ken Mitchell
    2005 N Alexander Dr, Baytown, TX 77520
    (281) 427-8081
  • 0 mi
    Donnie Pitts
    2301 N Alexander Dr Ste A, Baytown, TX 77520
    (281) 427-9062
  • 4.51 mi
    Jeff Brabham
    6919 Garth Rd, Baytown, TX 77521
    (281) 421-1616
  • 4.51 mi
    Felice Curi Insurance Agency
    1102 Starflower Ln, Baytown, TX 77521
    (832) 643-8908
  • 4.51 mi
    Randy Casey
    4808 East Fwy, Baytown, TX 77521
    (281) 421-2244
  • 4.51 mi
    MG Insurance Agency
    1023 Massey Tompkins Rd Ste B, Baytown, TX 77521
    (281) 428-5300
  • 4.51 mi
    ASAP Insurance Agency
    906 Massey Tompkins Rd, Baytown, TX 77521
    (281) 838-8122
  • 4.51 mi
    Paul Wankowicz
    3413 Garth Rd, Baytown, TX 77521
    (281) 428-7505
  • 4.51 mi
    A-Z Insurance Agency
    3602 Garth Rd, Baytown, TX 77521
    (281) 427-1999
  • 4.51 mi
    Acceptance Auto Insurance
    3517 N Main St, Baytown, TX 77521
    (281) 837-2886
  • 4.51 mi
    Ed Martinez
    700 Rollingbrook St Ste F, Baytown, TX 77521
    (281) 422-2282
  • 4.51 mi
    Harris County Insurance
    608 Rollingbrook St, Baytown, TX 77521
    (281) 427-6511
  • 4.51 mi
    Walzel Insurance Agency
    606 Rollingbrook St Ste 1f, Baytown, TX 77521
    (281) 422-2027
  • 4.51 mi
    Joseph Sapp
    1109 W Baker Rd, Baytown, TX 77521
    (281) 422-7299
  • 4.51 mi
    Larry Wilkey
    116 W Baker Rd, Baytown, TX 77521
    (281) 427-7471
  • 4.51 mi
    Amtex Insurance
    4537 Garth Rd Ste 105, Baytown, TX 77521
    (281) 420-7070
  • 4.51 mi
    Bill Black
    4406 N Main St, Baytown, TX 77521
    (281) 427-7888
  • 4.51 mi
    David Sewell
    4501 N Main St, Baytown, TX 77521
    (281) 420-5574
  • 4.51 mi
    Bruce Clayton Insurance Agency
    4503 N Main St, Baytown, TX 77521
    (281) 422-0088
  • 4.51 mi
    Sonya Cather
    230 W Cedar Bayou Lynchburg Rd, Baytown, TX 77521
    (281) 421-7575
  • 4.51 mi
    Renee Thibodeaux
    5165 Garth Rd Ste 700, Baytown, TX 77521
    (281) 424-5433
  • 4.51 mi
    Chad Merling
    5523 West Rd, Baytown, TX 77521
    (281) 421-3699
  • 4.51 mi
    Maribel Castillo
    5702 Garth Rd Ste 200, Baytown, TX 77521
    (281) 839-7139
  • 4.51 mi
    INSURICA Insurance
    6011 Garth Rd Ste A, Baytown, TX 77521
    (281) 421-7605
  • 8.56 mi
    Crystal Allen
    10425 Eagle Dr, Baytown, TX 77523
    (281) 576-6036
  • 8.56 mi
    Mike Enoch
    11340 Eagle Dr, Baytown, TX 77523
    (281) 576-6551
  • 8.56 mi
    Perfect Policy Insurance
    10525 Eagle Dr, Baytown, TX 77523
    (281) 301-5849
  • 8.56 mi
    Brent Walters
    9675 Eagle Dr Ste 104, Baytown, TX 77523
    (281) 560-4095
  • 8.56 mi
    Texas Farm Bureau Insurance
    10403 Eagle Dr Ste 3, Baytown, TX 77523
    (281) 385-2171
  • 8.56 mi
    Huntley Insurance
    9227 Cotton Bnd, Baytown, TX 77523
    (409) 779-0105
  • 8.56 mi
    Iscential Insurance
    2770 N Fm 565 Rd, Baytown, TX 77523
    (281) 428-0996
  • 8.56 mi
    G R Hamilton Agency Insurance
    9520 N Highway 146, Baytown, TX 77523
    (281) 385-1037
  • 8.56 mi
    East Side Insurance Agency
    8203 Blackcherry Ln, Baytown, TX 77523
    (281) 837-7415
View all agents ↓

Learn More About Car Insurance in Baytown, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered24,527,939
Total uninsured motorists14.1%
Estimated economic loss of all vehicle crashes$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

  • Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
  • Collision covers for the expenses on your car caused by accident.
  • Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
  • Medical payments cover your's and your passenger's medical bills
  • Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
  • Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
  • Towing and labor covers for the pay for towing your car and labor cost.
  • Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.