The best car insurance in Fredericksburg, TX

By

Erin Gobler

Erin Gobler

Insurance Expert

Erin Gobler is a freelance insurance writer at Policygenius, specializing in auto insurance. Erin has been writing about insurance and other personal finance topics since 2018 and has been published in some of the industry’s leading publications.

Published November 23, 2021

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The average car insurance premium in Fredericksburg is $1,751 per year, a bit lower than the average cost of car insurance in Texas — $1,840 per year. Rates in Texas are slightly higher than the national average, which could partially be because the state has one of the highest rates of accidents in the nation. Luckily, several major insurance companies offer average rates in Fredericksburg that are lower than the state average.

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When you’re shopping for car insurance, it’s important to shop around to ensure you’re getting the best coverage at the best price. Policygenius can help you get quotes from the top insurance companies in Texas and find the best policy for you.

Key Takeaways

  • Texas Farm Bureau has the cheapest car insurance in Fredericksburg, on average

  • Redpoint County Mutual has the best rates for drivers with bad credit

  • Texas drivers must have $30,000 per person and $60,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage

Cheapest car insurance companies in Fredericksburg, TX

Car insurance companies use a variety of factors to set car insurance rates, including a driver’s age, gender, location, coverage amount, and more. And while all companies rely on the same factors to set rates, each insurer has its own internal formula that it uses. As a result, one driver could get very different quotes from different insurance companies.

As you can see below, insurance rates in Fredericksburg vary across different providers. Texas Farm Bureau has the cheapest rates for Fredericksburg drivers, followed by State Farm.

Company

Average cost

JD Power Rating

Texas Farm Bureau

$910

--

State Farm

$1,099

881

Germania Insurance

$1,171

--

GEICO

$1,292

871

USAA

$1,483

890

Cheapest car insurance rates by ZIP code in Fredericksburg, TX

It’s not just your state or city that affects your car insurance rates. Insurance companies also consider your ZIP code. Drivers in certain ZIP codes may pay higher insurance rates because some neighborhoods have higher rates of uninsured drivers, crime, or accidents. As a result, drivers in those neighborhoods are likely to pay higher insurance rates. Meanwhile, drivers in neighborhoods considered lower-risk can expect to pay lower rates.

ZIP code

Average cost

78624

$1,751

Choosing the right car insurance company in Fredericksburg, TX

Texas drivers pay insurance rates that are higher than most states. As a result, it’s important to shop around for the best rate and to consider all possible discounts available to you. Policygenius can help you get quotes from Texas’s top insurance companies, and our insurance experts can answer all of your car insurance questions.

Car insurance rates for drivers with driving violations in Fredericksburg, TX

Your driving history is one of the most important factors in determining your insurance rates, and having just one violation on your record can increase your premiums significantly. Offenses like reckless driving, causing an accident, or driving under the influence can have a major impact on your rates, while lesser offenses like driving with an expired registration or failing to stop at a red light may increase your rates only slightly. How much your rates increase also depends on your insurance company, since each has its own system for setting rates.

Violation

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

USAA

At-fault Accident

$1,515

$1,303

$1,603

$2,045

$2,376

DUI

$3,525

$1,718

$2,695

$2,240

$2,354

Driving with a suspended license

$1,533

$1,511

$2,147

$2,240

$2,186

Driving with an open container

$3,525

$1,636

$1,253

$2,240

$1,793

Driving with expired registration

$986

$1,118

$1,253

$1,554

$1,793

Driving without Lights

$986

$1,118

$1,253

$1,554

$1,793

Failure to show documents

$986

$1,118

$1,253

$1,554

$1,793

Failure to stop at a red light

$986

$1,118

$1,253

$1,554

$1,793

Cheapest car insurance for drivers with bad credit in Fredericksburg, TX

Research has found that drivers with bad credit are a higher insurance risk and are more likely to file a claim. As a result, insurance companies tend to charge higher rates to drivers with bad credit. In fact, depending on your insurance company, having bad credit could double your annual insurance premium. On the other hand, drivers with good credit can expect to pay lower insurance rates.

Company

Rates for drivers with bad credit

Redpoint County Mutual

$2,170

Texas Farm Bureau

$2,266

State Farm

$2,300

Germania Insurance

$2,310

Auto Club Group

$2,520

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Buying car insurance in Fredericksburg, TX

Like most states, Texas requires drivers to have car insurance to legally operate a vehicle. The state requires the following insurance coverages:

  • Bodily injury liability coverage of $30,000 per person and $60,000 per accident

  • Property damage liability coverage of $25,000

Texas is considered a “fault” insurance state, meaning a driver who causes an accident is the one financially responsible for all financial damages. Each driver must carry insurance that covers their liabilities after an accident. It’s important to note that if your financial liabilities exceed your insurance coverage limits, you could be required to pay the rest out of pocket.

Texas penalizes drivers caught driving without insurance. Someone found to be driving without insurance could be subject to a misdemeanor and a fine between $175 and $350. For a second or subsequent offense, your fine could range from $350 to $1,000.

How to get cheap car insurance in Fredericksburg, TX

Texas drivers pay insurance rates that are higher than the national average. Because of that, you may be looking for additional ways to lower your car insurance costs. Below are a few strategies to help you save money on car insurance:

  • Shop around. Rats can vary greatly by insurer. Policygenius can help you get quotes from the top insurance companies in Fredericksburg so you can find the most affordable rate.

  • Raise your deductible. As your deductible — or the amount you pay out of pocket before insurance kicks in — increases, your premium generally goes down. However, a higher deductible could mean you pay more out of pocket in the event of an accident, so make sure you can afford whichever deductible amount you choose.

  • Save with discounts. Insurance companies offer discounts for bundling your policies, driving without an accident, and more.

Frequently asked questions

How much does car insurance cost in Fredericksburg?

Fredericksburg drivers pay an average insurance rate of $1,751 per year and Texas drivers overall pay an average annual rate of $1,840.

Who has the cheapest car insurance in Fredericksburg?

Texas Farm Bureau has the cheapest insurance rates in Fredericksburg, with an average rate of $910. State Farm has the second-cheapest rates, with an average rate of $1,099.

How does my gender affect my insurance rates?

Insurance companies consider a driver’s gender when setting their insurance rates. In general, female drivers pay lower insurance rates than male drivers because they’re seen as presenting a lower insurance risk.

Why is car insurance more expensive in Texas?

Texas isn’t the most expensive state for car insurance, but its average rate is slightly above the national average. First, Texas has one of the highest rates of accidents in the nation. The state also has a higher minimum insurance requirement than most states.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.