Cheap Car Insurance in Galveston, Texas (With 2024 Rates)

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Home » Car insurance » Texas » Cheap Car Insurance Galveston

Lowest Premium

$399 / YEAR

Average Premium

$592 / YEAR

Highest Premium

$788 / YEAR

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

The average annual premium in Galveston is around $592 and can go upto $788. 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 Galveston by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Galveston. 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

Insurance Agents in Galveston, TX and Near by

  • 0 mi
    Donna Graham
    2228 Mechanic Row St Ste 302, Galveston, TX 77550
    (281) 974-3432
    View |
  • 0 mi
    Cadence Insurance
    2328 Strand St Ste 220, Galveston, TX 77550
    (409) 763-6376
    View |
  • 0 mi
    Hal Rochkind
    514 23rd St, Galveston, TX 77550
    (409) 770-9503
    View |
  • 0 mi
    Heffernan Insurance Agency
    1703 Tremont St, Galveston, TX 77550
    (409) 765-9011
    View |
  • 0 mi
    Michael Saracco
    2702 Broadway St, Galveston, TX 77550
    (409) 765-7797
    View |
  • 0 mi
    Insurance Junction
    3320 Broadway St, Galveston, TX 77550
    (409) 762-3295
    View |
  • 0 mi
    Freeway Insurance
    3402 Broadway, Galveston, TX 77550
    (409) 209-1546
    View |
  • 0 mi
    Ai United Insurance
    3620 Broadway St, Galveston, TX 77550
    (409) 762-6111
    View |
  • 0 mi
    Ira Levin
    1715 Tremont St, Galveston, TX 77550
    (409) 763-5200
    View |
  • 0 mi
    American Proud Insurance
    2001 45th St, Galveston, TX 77550
    (409) 763-4000
    View |
  • 1.25 mi
    Neil N Nathan
    Po Box 1316, Galveston, TX 77553
    (409) 763-4391
    View |
  • 12.26 mi
    Comiskey Capital Insurance
    401 Tiki Dr, Galveston, TX 77554
    (409) 935-0086
    View |
  • 12.26 mi
    Gibraltar Insurance Services
    101 Tiki Dr Ste 100, Galveston, TX 77554
    (832) 202-5543
    View |
  • 3.99 mi
    TWFG Insurance Services - Craft & Varos
    6511 Stewart Rd Ste 5d, Galveston, TX 77551
    (409) 761-5544
    View |
  • 3.99 mi
    James W Murray
    6511 Stewart Rd Ste 10, Galveston, TX 77551
    (409) 740-7788
    View |
  • 3.99 mi
    Best Insurance & Financial Services
    2001 61st St Ste A, Galveston, TX 77551
    (409) 744-4414
    View |
  • 3.99 mi
    Galveston Insurance Associates
    6025 Heards Ln, Galveston, TX 77551
    (409) 740-1251
    View |
  • 3.99 mi
    Freudenburg Insurance Agency
    6202 Stewart Rd, Galveston, TX 77551
    (409) 744-7111
    View |
  • 3.99 mi
    The O'Donohoe Agency
    5928 Stewart Rd, Galveston, TX 77551
    (409) 744-1888
    View |
  • 3.99 mi
    Mike Price
    5002 Avenue R, Galveston, TX 77551
    (409) 744-5028
    View |
  • 3.99 mi
    Cynthia Fester
    5312 Avenue S, Galveston, TX 77551
    (409) 440-9019
    View |
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Learn More About Car Insurance in Galveston, 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.


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.