The best car insurance in Longview, TX

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published November 2, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and how we make money.

The average annual cost of a full coverage car insurance policy in Longview is $1,804 per year. That’s $36 less than the Texas state average of $1,840 per year — but Longview drivers can still find opportunities to save.

Ready to shop car insurance?

Start calculator

Comparing quotes from multiple companies is the best way to find affordable rates. Policygenius can help you see options from top car insurance companies so you can choose the coverage that’s right for you.

Key Takeaways

  • Texas Farm Bureau has the lowest average rates for full coverage car insurance in Longview at $1,072 per year

  • The average annual cost of car insurance in Longview is $1,804 

  • The state of Texas requires at least $25,000 in property damage liability per accident, $30,000 bodily injury liability per person, and $60,000 bodily injury liability per accident

Cheapest car insurance companies in Longview, TX

Insurance costs differ based on where you live, how old you are, your driving record, and the type of car you drive. Every insurance company has its own way of determining rates, so you can get wildly different rates from two companies for comparable coverage. The following table shows the five cheapest car insurance companies in Longview as well as their J.D. Power scores as available.

Company

Average cost

JD Power Rating

Texas Farm Bureau

$1,072

--

State Farm

$1,202

881

Germania Insurance

$1,223

--

GEICO

$1,397

871

Redpoint County Mutual

$1,581

--

Cheapest car insurance rates by ZIP code in Longview, TX

Where you live in a city can also negatively or positively impact your rates. Insurers look at the availability of secure parking or on-street parking, reports of thefts and vandalism, and how many traffic accidents and driving violations are issued where you live. The table below lists car insurance rates for ZIP codes in Longview.

ZIP code

Average cost

75601

$1,796

75602

$1,817

75603

$1,824

75604

$1,797

75605

$1,784

Choosing the right car insurance company in Longview, TX

Picking the right car insurance company might seem complicated, but if you break it down it’s easier to manage. Consider the following when you’re shopping for insurance:

  • Cost: The best way to be sure you don’t overpay is to get multiple quotes and compare.

  • Coverage: Make sure you’re well protected in case of a costly accident.

  • Service: Perks like a mobile app or a dedicated hotline for tracking the status of a claim can make a big difference after an incident.

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

Speeding tickets increase your rates. Accidents increase them more, especially if you’re determined to be at fault for the accident. The more of these violations on your record, the more it will cost to get car insurance.

Violation

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

Redpoint County Mutual

At-fault Accident

$1,831

$1,456

$1,723

$2,235

$2,609

DUI

$4,615

$1,983

$2,991

$2,466

$3,955

Driving with a suspended license

$1,871

$1,719

$2,357

$2,466

$3,955

Driving with an open container

$4,615

$1,878

$1,316

$2,466

$1,613

Driving with expired registration

$1,171

$1,219

$1,316

$1,671

$1,613

Driving without Lights

$1,171

$1,219

$1,316

$1,671

$1,613

Failure to show documents

$1,171

$1,219

$1,316

$1,671

$1,613

Failure to stop at a red light

$1,171

$1,219

$1,316

$1,671

$1,613

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

You might be surprised to learn that your credit score is used to figure out your car insurance rates. Drivers with lower credit scores will likely see higher car insurance rates, which makes it all the more important to shop around. The following table shows the five cheapest car insurance companies in Longview for those who have bad credit.

Company

Rates for drivers with bad credit

Redpoint County Mutual

$2,241

Germania Insurance

$2,424

State Farm

$2,521

Auto Club Group

$2,602

Nationwide

$2,664

Ready to shop car insurance?

Start calculator

Buying car insurance in Longview, TX

Insurance is required in order to register a vehicle in Texas. The insurance you purchase must include a minimum of:

  • $25,000 for property damage liability per accident

  • $30,000 for bodily injury liability per person/$60,000 per accident

Coverage must be maintained for the entire time that your vehicle is registered in Texas, even if you’re not driving. 

How to get cheap car insurance in Longview, TX

There are several ways to get cheap car insurance in Longview, including:

  • Keep tickets and traffic accidents to a minimum.

  • Maintain a good credit score for a better insurance rate

  • Get quotes from more than one insurance company before you buy a policy

  • Take advantage of discounts. Ask about savings for low mileage drivers, safe drivers, good students, and professional groups including firefighters and teachers. 

  • Bundle auto insurance with insurance for your house, condo, apartment, boat, or anything else you insure from the same company and you’ll save on both policies 

Frequently asked questions

How can I save money on car insurance in Longview?

Keep your credit history in good shape and do the same for your driving record to save money on car insurance. If your rates are going up, it’s a good time to shop around for new coverage.

Is Texas a no-fault state?

Texas is not a no-fault state. If one driver is cited for being at-fault for an accident, then that driver’s liability insurance will pay everyone’s expenses.

Does Texas require car insurance coverage?

Texas does require car insurance. The minimum amounts required in Texas are $25,000 in property damage liability per accident, $30,000 in bodily injury liability per person, and $60,000 in bodily injury liability per accident.

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.