Cheap Car Insurance in Galveston, Texas (With 2021 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
  • 0 mi
    Cadence Insurance
    2328 Strand St Ste 220, Galveston, TX 77550
    (409) 763-6376
  • 0 mi
    Hal Rochkind
    514 23rd St, Galveston, TX 77550
    (409) 770-9503
  • 0 mi
    Heffernan Insurance Agency
    1703 Tremont St, Galveston, TX 77550
    (409) 765-9011
  • 0 mi
    Michael Saracco
    2702 Broadway St, Galveston, TX 77550
    (409) 765-7797
  • 0 mi
    Insurance Junction
    3320 Broadway St, Galveston, TX 77550
    (409) 762-3295
  • 0 mi
    Freeway Insurance
    3402 Broadway, Galveston, TX 77550
    (409) 209-1546
  • 0 mi
    Ai United Insurance
    3620 Broadway St, Galveston, TX 77550
    (409) 762-6111
  • 0 mi
    Ira Levin
    1715 Tremont St, Galveston, TX 77550
    (409) 763-5200
  • 0 mi
    American Proud Insurance
    2001 45th St, Galveston, TX 77550
    (409) 763-4000
  • 1.25 mi
    Neil N Nathan
    Po Box 1316, Galveston, TX 77553
    (409) 763-4391
  • 12.26 mi
    Comiskey Capital Insurance
    401 Tiki Dr, Galveston, TX 77554
    (409) 935-0086
  • 12.26 mi
    Gibraltar Insurance Services
    101 Tiki Dr Ste 100, Galveston, TX 77554
    (832) 202-5543
  • 3.99 mi
    TWFG Insurance Services - Craft & Varos
    6511 Stewart Rd Ste 5d, Galveston, TX 77551
    (409) 761-5544
  • 3.99 mi
    James W Murray
    6511 Stewart Rd Ste 10, Galveston, TX 77551
    (409) 740-7788
  • 3.99 mi
    Best Insurance & Financial Services
    2001 61st St Ste A, Galveston, TX 77551
    (409) 744-4414
  • 3.99 mi
    Galveston Insurance Associates
    6025 Heards Ln, Galveston, TX 77551
    (409) 740-1251
  • 3.99 mi
    Freudenburg Insurance Agency
    6202 Stewart Rd, Galveston, TX 77551
    (409) 744-7111
  • 3.99 mi
    The O'Donohoe Agency
    5928 Stewart Rd, Galveston, TX 77551
    (409) 744-1888
  • 3.99 mi
    Mike Price
    5002 Avenue R, Galveston, TX 77551
    (409) 744-5028
  • 3.99 mi
    Cynthia Fester
    5312 Avenue S, Galveston, TX 77551
    (409) 440-9019
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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.