The best car insurance in Longview, TX

Headshot of Nicole Wakelin
Headshot of Andrew Hurst

By

Nicole WakelinNicole WakelinAutomotive journalistNicole 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.&Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

By

Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|2 min read

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 $1,779 per year. That’s $39 less than the Texas state average of $1,818 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 $1,079 per year

  • The average annual cost of car insurance in Longview is $1,779

  • 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

Farm Bureau

$1,079

--

State Farm

$1,107

882

Redpoint County Mutual

$1,231

--

Germania Insurance

$1,312

--

Southern County Mutual

$1,441

--

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

75605

$1,759

75601

$1,772

75604

$1,775

75602

$1,792

75603

$1,798

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

Farm Bureau

State Farm

Redpoint County Mutual

Germania Insurance

Southern County Mutual

At-fault accident

$1,842

$1,330

$1,231

$1,836

$2,183

DUI

$2,342

$1,787

$1,231

$3,159

$1,932

Suspended license

$1,177

$1,558

$1,231

$2,497

$1,932

Open container

$2,342

$1,694

$1,231

$1,410

$1,932

Expired registration

$1,177

$1,123

$1,231

$1,410

$1,618

Driving without lights

$1,177

$1,123

$1,231

$1,410

$1,618

Running a red light

$1,177

$1,123

$1,231

$1,410

$1,618

Following too closely

$1,177

$1,123

$1,231

$1,410

$1,618

Hit and run

$1,177

$1,787

$1,231

$3,159

$1,932

Not-at-fault accident

$1,177

$1,123

$1,231

$1,467

$1,512

Passing a school bus

$1,177

$1,123

$1,231

$1,410

$1,932

Reckless driving

$1,177

$1,787

$1,231

$3,159

$1,932

Speeding

$1,177

$1,123

$1,231

$1,410

$1,618

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.

Company

Rates for drivers with bad credit

Redpoint County Mutual

$1,231

Germania Insurance

$2,595

Mercury Insurance

$2,619

Auto Club

$2,699

Southern County Mutual

$2,700

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

What is the cheapest car insurance in Longview, Texas?

On average, Texas Farm Bureau has cheapest car insurance for most drivers in Longview. Average rates from Farm Bureau are a state-low $1,079 per year,

Is car insurance required in Longview, Texas?

Car insurance is required in Longview. The state of Texas requires at least $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.

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.

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.

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: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • 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.

Authors

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.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Questions about this page? Email us at .