The best car insurance in Longview, TX

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.

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.

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.

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.

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
Suspended license	$1,871	$1,719	$2,357	$2,466	$3,955
Open container	$4,615	$1,878	$1,316	$2,466	$1,613
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
Not showing documents	$1,171	$1,219	$1,316	$1,671	$1,613
Running a red light	$1,171	$1,219	$1,316	$1,671	$1,613
Failure to yield	$1,171	$1,219	$1,316	$1,671	$1,613
Following too closely	$1,171	$1,219	$1,316	$1,671	$1,613
Hit and run	$2,281	$1,983	$1,316	$2,303	$1,613
Illegal turn	$1,171	$1,219	$1,316	$1,671	$1,613
Improper passing	$1,171	$1,219	$1,316	$1,671	$1,613
Not-at-fault accident	$1,171	$1,219	$1,369	$1,395	$1,613
Passing a school bus	$1,171	$1,219	$1,316	$2,466	$1,613
Racing	$2,281	$1,983	$1,316	$2,466	$1,613
Reckless driving	$2,281	$1,983	$1,316	$2,466	$1,613
Speeding	$1,171	$1,219	$1,316	$2,466	$1,613

Collapse table

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.

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 

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.