There are 50 car insurance groups in the US, with Group 1 being a low risk and Group 50 being the high risk. The best car insurance for 30-year-olds is GEICO, which offers coverage for 37% less than average for the age group. Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. Insurance group 5 cars are on the cheaper side when it comes to car insurance. Helping You Make Smart. What is insurance group 32? When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), and this helps work out the cost of your car insurance premium. Senior car insurance costs vary significantly among the insurance companies we analyzed, with a difference of $1,188 between the least and most expensive companies. Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. $50. Compare car insurance quotes from over 163 leading providers in minutes. Best in Texas: State Farm. Group 40. Insurance. Bauer Media Group consists of : Bauer Consumer Media Ltd, Company number 01176085; Bauer Radio Limited, Company number: 1394141; Registered office: Media House, Peterborough Business Park, Lynch Wood. However, Missouri drivers pay an average of $490 per year for a minimum car insurance policy. The second most affordable choice is GEICO, with a monthly average of $106 or $637 for a six-month policy. See moreState Farm is the cheapest national car insurance company, at $41 per month for liability-only coverage. A minimum-coverage policy costs $41 per month, which is 21% cheaper than. Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. 1 Ti-VCT 70PS 5d. The average car insurance cost is £851 for a 20-year-old versus £486 for a 55-year-old – that’s 75% more! The average car insurance cost in Greater London is £1,006. Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. Coverage. The best cheap car insurance for new drivers comes from Geico, according to our research. Every car in the UK is allocated an insurance group to help insurers work out how much to charge you for cover. Written by. 5 One D Hatchback Sport Pack 5d (insurance group 11) or around £899 for a Mini Cooper 2. Updated: 11/16/23. Compare over 120 insurance providers. 0 Challenge 210bhp Edition 3d Auto (insurance group 33) That’s a difference of £168 across insurance groups for the same make of car. The average cost of full-coverage car insurance in Michigan is $419 per month, and liability-only coverage costs $191 per month. Charges vary between providers, and some will let you make small charges online for free. Company. Get insurance from a company that's been trusted since 1936. 6T VXR 3d. We don't like: Comparatively high compulsory excesses. The cars that fall in this group tend to have a higher market value. State Farm has the cheapest full-coverage car insurance at $95 a month. All figures used here are averages and actual prices might be higher or lower depending on your age, location and other factors. The groups start at 1 for the cheapest cover rising to 50 for the most-expensive cover. Geico 5. Louisiana car insurance costs are on the higher end of the spectrum. State Farm ( $130 per. Also, know the least expensive zip codes and companies that offer auto insurance in Colorado. Its sample premium in California was generally near the top in terms. The cheapest car insurance company for good drivers in Illinois is Country Financial, with an average annual rate of $869. com analysis. According to our cost estimate data, the average 35-year-old driver with good credit and a clean driving history pays about $2,008 per year or $167 per month on average for full-coverage insurance. The groups are numbered from 1 to 50, with 1 being the lowest risk and 50 being the highest risk. Group 50. A touchscreen infotainment system can also be specified. Bingle. around £700 for cover on a Honda Civic 1. Best customer support: Farm Bureau. The average cost of car insurance in New Jersey is $234 per month for full coverage. Tempcover: Best for temporary insurance. Cars placed into insurance group 1 are those which are at a low risk of being stolen or being in an accident. Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. New Orleans ranks as the most expensive city for car insurance in Louisiana. Dairyland is the most expensive company for seniors, at an average cost of $2,185 per year. Progressive offers the cheapest rate at $160 a month on average for. We gathered more than 855,000 car insurance quotes across Texas and ranked the cheapest companies based on factors. C. The cheapest company in Omaha is Farm Bureau ($590), but USAA and Farmers Mutual are other great options. $31/mo. Group 1 cars are the cheapest to insure while the Group 50 ones are the most expensive. 98 – 57% more than for. The. Looking for the cheapest car insurance? When you’re shopping around for cover, you may simply want to find the cheapest car insurance policy. Company. 98 – 57% more than for. The cheapest car insurance company in Maine is Concord Group at $766 per year on average, or $64 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in. Find out more. The Best Cheap Car Insurance Companies. The cars that fall in this group usually score well in factors used to determine the group ratings, such as having good car safety and security features and. Nationwide: Best perks for loyal customers. $41/mo. We don't like: Comparatively high compulsory excesses. Those. S. Travelers: Great for customers buying a new. The group your car is in will affect how much you pay for your car insurance premium. Reviewed by. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. The companies offering the cheapest minimum coverage car insurance in Las Vegas are: CIG: $521 per year; State Farm: $572 per year; The most expensive company is Dairyland, with an average premium of $2,419 per year. 3. With an average annual premium of $695, Allstate is the most costly car insurance provider in the state for this coverage level, based on the companies that MoneyGeek analyzed. Company. We found that fully comp policies cost an average of £973 a year, while TPFT comes in at. Basic policies may be the cheapest auto insurance option available, but you get very little financial protection. com rewards. Ford F-150 XL ($1,651). According to our data for 2023, the cheapest car insurance company for full coverage in Indianapolis is Buckeye Insurance Group, a regional carrier servicing Indiana, Ohio and Kansas. Put your car registration number into our group checker to see where your car sits. · volkswagen polo · hyundai i10 · volkswagen up · kia picanto · dacia sandero · ford fiesta . We analyzed rates across the city to find the cheapest car insurance for several types of drivers. The number of insurance groups has changed in recent years. Although USAA typically offers lower rates, it is only available to military. Nissan Rogue. The average car. Cheap auto insurance in Illinois for minimum coverage. Farmers is the second most affordable company, with an average rate of $259 per month. Our rate data shows that Erie offers the cheapest full-coverage insurance in Fayetteville with rates of $103 per month. Cheap DUI car insurance in Florida: Geico. For full coverage, its average annual rate for Montgomery drivers is $3,205. The cheapest company in Birmingham is USAA ($504). Get a quote. Fully comprehensive. Toyota RAV4 LE. , especially insurance for young drivers in British Columbia. In Missouri, the average cost for minimum coverage is $90 per month, or $566 yearly — a savings of $1,212 compared to full coverage. Grace Kim. Coverage options include accident forgiveness, diminishing deductibles, gap insurance and new car replacement. Concord Group’s minimum-coverage car insurance rates average $39 a month, while its full-coverage rates. Swinton: Best for convicted drivers. Get a quote. But it may be on the cutting edge when it comes to insuring electric vehicles (EVs) and hybrids. Cheapest car insurance quotes if you have an accident history: State Farm. Oct 18, 2023 12:02 p. State Farm has the lowest full coverage rates for drivers in Oklahoma after an at-fault accident. Find out the cheapest car insurance rates in Colorado today. California minimum liability requirements are $15,000 per person/$30,000 per person in bodily injury liability and $5,000 in property. The cheapest car insurance in North Carolina is North Carolina Farm Bureau, with an average monthly rate of $82 for full coverage. DUI Record. Cheapest after DUI: American Family. The cheapest company in Atlanta is Georgia Farm Bureau ($122 per month). For full coverage, its average annual rate for Birmingham drivers is $3,408. Compare over 120 insurance providers. or around £791 for a Ford Fiesta X Edition 1. Age Group. Nationwide is the cheapest company in Nebraska for a full-coverage policy, at $110 per month. These. Cheapest car insurance quotes if you have an accident history: State Farm. The groups comprise vehicles that pose similar risks to insurance providers in terms of repair or replacement costs if a valid claim is made. State Farm has the cheapest quotes for full-coverage policies at $2,923 a year. Republic Group: $2,367: Not yet rated: Germania: $2,698:There are 50 car insurance groups in the US, with Group 1 being a low risk and Group 50 being the high risk. Drivers pay $1,920 per year on average for insurance, or roughly 25% more than the national sample rate of $1,543. For Toledo in 2023, our data shows that the cheapest company for full coverage auto insurance is USAA at $83 per month or $498 for a six-month policy, followed by State Farm at $92 per month or $552 for a six-month policy. The company's average rate for a full-coverage policy is $72 per month. 3 Where is an insurance group prices table for the UK? These rates are high compared to the national averages of $622 for minimum and $2,014 for full coverage. Adding comprehensive and collision insurance to a policy may cost $272 more per year. Company. Michigan drivers pay the highest rates in the country, at $399 per month for full coverage. The Hybrid model, which uses a 1. Group 1 : Cars in this group are usually among the cheapest to insure. The cheapest insurance group for cars will be in the Group 1 to Group 10 categories. In Colorado, the average cost for minimum coverage is $42 per month, or $508 yearly — a savings of $1,352 compared to full coverage. The trade body highlighted that the cost of vehicle repairs was up by a third, at £1. Full-coverage policies from the company cost an average of $88 per month or $1,054 per year. Car Insurance Near Me. The average car insurance cost was £561 between July and September 2023 for comprehensive cover—up 29% from £436 a year earlier (Q3 2022) and the highest since the ABI started collecting this data back in 2012. Based on our sample rate data, the average cost of car insurance was $2,808 per year. Group 20. Of the cars we reviewed, the Subaru Outback is the cheapest vehicle to insure, with an average annual premium of $1,603 per year, 25 percent lower than the national average of $2,014 per year. Average rates are $135 per month. The average cost of car insurance in Colorado is $225 per month for full. Annual Premium. S. 56. Get a free car insurance quote online from Progressive Insurance. The average price of a comprehensive car insurance policy in the UK is £924 +. The cheapest car insurance companies for a full coverage policy in Nebraska are, on average:. LV=: Best for cheaper rates. 23. The average car insurance cost is £851 for a 20-year-old versus £486 for a 55-year-old – that’s 75% more! The average car insurance cost in Greater London is £1,006. At $1,983 per year, Redpoint County Mutual has the lowest rates for drivers with bad credit. What are the cheapest cars for 18 year olds to insure? The cheapest cars to insure for 18-year-olds, and most drivers in general, will be those found in lower insurance groups. In Indiana, the average cost for minimum coverage is $35 per month, or $414 yearly — a savings of $944 compared to full coverage. Drivers shopping for the cheapest car insurance rates but do not qualify for USAA should make sure they get quotes from Geico. You can opt for more coverage, though, and still only buy a “minimum coverage. Edited by. According to Nationwide, you may save between 15%. Most group health plans are heavily subsidized by the employer. Cheapest car insurance cost in Phoenix by Age Group. The mid-size SUV. Enter your registration number Or find your car by make and model. They tend to be cheap, small, cars which insurers deem as unlikely to be in an accident or as a target for thieves. In the UK, every car is given an insurance group from 1-50, with cars in group 1 generally being the cheapest to insure. Cheapest full-coverage car insurance in South Dakota: State Farm. The cost of repairing one is also going to be low, as this again contributes to the overall pricing structure used by. From 2017 to 2021, average annual rates in Utah dropped from $1,796 to $1,386. Cars are sorted into insurance groups based on their value when bought new, their safety and security, performance and the cost of repairs, amongst other factors. This group includes the Fiat Panda, Citroen 1 and 2, and Ford Ka. However, Capital Insurance Group fell flat regarding its add-on coverage and discount. Average rates are $135 per month. 60+. The Picanto is a fine small car with a smart interior and tidy. Concord Group: $1,189: Maryland: Travelers: $3,214: Massachusetts. In 2023 our data shows PEMCO is the cheapest car insurance company in Seattle with rates at $593 for a six-month policy. Buffalo residents pay more for car insurance than the national average of $880, but only slightly over the state average in New York ($1,085 every six months). In the Empire State. Group 1 cars are the cheapest to insure while the Group 50 ones are the most expensive. Geico has the cheapest full-coverage auto insurance quotes in New Jersey. Prices for third-party and third-party fire & theft policies are even higher, costing £1,893 and £1,438 ++ respectively. Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. USAA has the most affordable liability-only rates at $31 per month. m. Of course, there’s a number of other factors that help determine the cost of your car insurance such as age, location and driving history, but a. Average monthly auto insurance premiums in New Hampshire. 1 are the cheapest cars to insure while those in insurance group 50 are the most expensive. Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. We found a typical price of just $91 per month, which is 62% less than average. The statewide average rate for low coverage is $2,275 annually. has a significant problem with injury claims and. Cars in insurance group 13 are at the lower end of the range so they could be good value. On average, the cheapest car insurance companies for a minimum coverage policy in Massachusetts are: State Farm: $221 per year. Dine out – 25% off total bill: Days available vary by outlet. $256/month. In Omaha, Nebraska, Farm Bureau (IA Group) is the best choice for affordable comprehensive auto insurance based on our 2023 data, with rates starting at $98 per month or $590 for a six-month policy. What is insurance group 15? Insurance group numbers run from 1 to 50, with cars in group 1 being the cheapest to insure. Car insurance group 14 is a low to mid-range category. S. Westfield 4. Cheapest regional car insurance company: Concord Group. At $1,983 per year, Redpoint County Mutual has the lowest rates for drivers with bad credit. The average American driver pays $139 a month for car insurance. Nationwide: Best perks for loyal customers Progressive: Best for accident forgiveness Country Financial: Best for having few customer complaints Auto-Owners:. Monthly Premium. Rate data from Quadrant Information Services suggests that drivers pay an average of $441 for state-mandated minimum coverage and $1,843 for full. 3. The cheapest car insurance company in Vermont is Concord Group at $963 per year on average, or $80 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates. The cheapest option for. This estimate is for a 35-year-old. In Colorado, the average cost for minimum coverage is $42 per month, or $508 yearly — a savings of $1,352 compared to full coverage. The second most affordable choice is GEICO, with a monthly average of $106 or $637 for a six-month policy. An average policy with Farm Bureau costs $79 per month or $471 per six-month policy, while Auto-Owners is the second most affordable at $107 per month or $642 for a six-month policy. The three main types of car insurance are often considered: liability, comprehensive, and collision. To get your free, personalized car insurance quote faster make sure to have: You'll learn about coverage options, including state minimums, to help you choose the best car insurance for you and your family. The average comprehensive policy in Australia costs $1,345. subsidiary. Honda CR-V LX ($1,517). We'll also ask you some questions so we can help find you all the savings you may qualify for. LV= (flow) £403. Chubb offers the most expensive auto insurance policy for seniors in California at $1,929. That’s nearly 12% less than the national average rate of $1,543 per year. The Cheapest Car Insurance in New York for November 2023. Best for adding a teen to a policy: Auto-Owners. The cheapest company in Dallas is GEICO ($822). These cars are included on IIHS-HLDI's bodily injury claim frequency data for 2019-2021 models, meaning they may be less risky and. Nerdy takeaways Car insurance costs are up across the country. Show All Rows Why trust our cheap picks Looking for cheap car insurance? Our study shows USAA is the cheapest car insurance. Auto-Owners has the cheapest quotes in Georgia for full-coverage car insurance. Price when new: From £16,295. State Farm has the cheapest rates in the state at $91 per month — 44% cheaper than the state average. Car insurance in Laredo costs an average of $1,107 for a six-month policy or $185 per month on average. The average cost of full-coverage car insurance in New Jersey is $159 per month, which is almost twice as expensive as a. Vermont Mutual: $270 per year. For drivers in North Las Vegas, Capital Insurance Group offers the best cheap auto insurance for full coverage in 2023 at a rate of $100 per month or $603 for a six-month policy, followed by GEICO at $697 for a six-month policy or around $116 per month. Check what car your group is in using our car insurance group checker tool. Fiat 500. Here are. Fast, expensive cars are likely to be found higher up while cheap, reliable cars that are easy to repair. Compared to full coverage, getting liability-only coverage at the state minimum level will make your auto insurance much cheaper. Hastings Direct: Best for young drivers. Nationwide is the second most affordable option, with rates at $136 per month or $818 for a six-month policy. Group 30. Read NerdWallet’s roundup of the 10 best cheap car insurance companies, including Auto-Owners, Geico and State Farm. According to our cost estimate data, the average 35-year-old driver with good credit and a clean driving history pays about $2,008 per year or $167 per month on average for full-coverage insurance. Progressive is the. Military members, veterans and their families can also take advantage of affordable rates from USAA. Find your best option below. That's 10% cheaper than Erie charges unmarried drivers and $49 less per month than the national average. The companies offering the cheapest minimum coverage car insurance in Las Vegas are: CIG: $521 per year; State Farm: $572 per year; The most expensive company is Dairyland, with an average premium of $2,419 per year. Bureau of Labor Statistics. USAA, Auto-Owners and Geico offer the cheapest full coverage car insurance, according to Forbes Advisor’s analysis of national averages. Our study found AAA insurance to be the most expensive for. Keep an eye out for admin fees when comparing policies. Honda CR-V LX. A typical Utah driver pays an average of $1,386 per year. Nationwide is only a little cheaper than Farmers Mutual and State Farm. This means cars in insurance group 1 are likely to be the cheapest cars to insure, while. There are 50 car insurance groups in the US, with Group 1 being a low risk and Group 50 being the high risk. Auto-Owners offers the cheapest car insurance in South Carolina, at $37 per month for liability-only quotes and $102 for full coverage. Texas Farm Bureau Insurance has the lowest average rates in Houston at $1,243 per year for full coverage. Travelers’ car insurance costs are about $1,600 cheaper. The same goes for when you’re searching for cheap car. Car insurance costs an average of $147 per month or $1,759 per year. Toledo car insurance rates by company. The average cost of a car insurance policy in Birmingham is $824 per six-month policy — $137 per month. Erie has the best cheap car insurance for married drivers, with an average rate of $91 per month for a full coverage policy. The average cost of car insurance in Florida is $300 per month for full coverage. Saga: Best for over-50s. Save up to £489 on your car insurance*. Pay-in-full. Several insurers had policies with no maximum age - Sainsbury's Bank, Axa, Direct Line, Saga and Moja. Jerry compares car insurance policies, loans, and repair costs and gives you incredible rewards just for driving. No matter what. Young drivers can find affordable car insurance rates by shopping around and comparing quotes from different insurance. At $113 per month, a minimum-coverage policy for a young driver from Geico is 48% cheaper than the state average. Find information about auto insurance coverages and discounts to save money on your policy. Some car insurers specialise in high performance cars, others like young drivers - and many will insure pretty much anyone. State Farm has the cheapest full coverage insurance in 34 states. Of our Buffalo customers, 39% of. Cheapest Car Insurance in Pennsylvania for Seniors (November 2023) On average, the cheapest car insurance companies in Pennsylvania for senior drivers are: Nationwide: $569 per year. Nationwide is the cheapest company in Nebraska for a full-coverage policy, at $110 per month. Detroit has some of the most expensive car insurance rates in the country, at $391 per month, on average. The Honda CR-V, Jeep Wrangler Sport and Subaru Crosstrek are the least expensive cars to insure among popular 2021 vehicle models. Company. Liability limits are written as a group of three numbers, such as 15/30/15, and breaks down to mean: 15 = $15,000 of bodily injury liability coverage per person. There are several ways to get cheap car insurance in New Jersey, including: The five cheapest car insurance companies in New Jersey are GEICO ($84 per month), NJ Manufacturers ($105 per month), State Farm ($123 per month), Amica ($131 per month), and Plymouth Rock ($132 per month). Affordable Car Insurance. 5bn, on the same period last year because of rising costs, including energy inflation, and more expensive. A policy from State Farm costs $268 per month, versus Geico's average rate of $284 per month. Full-coverage car insurance from Geico costs $247 per month, which is 41% cheaper than average. Progressive: Best. 6 Mo. While average car insurance rates fluctuate by state, 35-year-olds in several states — including Idaho, Maine, Massachusetts and Vermont — can pay less than $1,400 a year, on average, for full. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D. Those who live in Blasdell have rates of $1067 on average for their auto insurance. Hyundai i10 Premium. Cheapest: $22/mo. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for. Car insurance in Laredo costs an average of $1,107 for a six-month policy or $185 per month on average. Best car insurance for young drivers. The F-150's insurance cost is $2,681 less per year than the cost for the most expensive car to insure — the BMW X5. 8 What cars are in Group 3 insurance? 3. These top companies all offer quotes under $130 per month, cheaper than the average monthly cost of a full-coverage policy in Nebraska, which is $142. Version 1. Company. Then, you'll get your personalized rate. Omaha car insurance rates by company. Geico has the second-cheapest average annual rate for drivers with poor credit, $919 lower than the national average in this category. Auto-Owners car insurance cost comparison for senior drivers age 70 and 80. Average car insurance cost for 21-year-olds. 0-litre petrol engine and some electrical assistance to save fuel, is in an insurance group that puts it within reach of even new drivers. The Zebra analyzed rates from top car insurance companies to see who has the cheapest rates in 2023. $2,525. Aviva (QuoteMeHappy) £468. However, it is important to note that the cheapest car insurance group is not necessarily the best car for you. The manual version of the same car is in insurance. By. State Farm has the lowest full coverage rates for drivers in Oklahoma after an at-fault accident. Typically, the lower a car's insurance group number, the cheaper it will be to insure. Progressive is the cheapest major car insurance company for full coverage policies, providing savings of $850 compared to the national average. Coverage from Geico costs an average of $87 per month — or $1,040 per year. State Farm has the cheapest auto insurance for Virginia drivers with an at-fault accident on their record. Subaru Forester ($1,774 annually) Dodge Grand Caravan ($1,786 annually) Honda Odyssey ($1,800 annually) Ford Escape ($1,877 annually) Toyota Sienna ($1,966 annually) Toyota Highlander ($1,978 annually) Toyota Tacoma ($1,989 annually) Jeep Grand Cherokee ($1,999 annually)Here were the cheapest quotes we found for our sample driver this week for comprehensive insurance from the big providers we tested. A full-coverage policy from GEICO costs 30-year-olds $99 per month, or $1,188. Travelers’ car insurance costs are about $1,600 cheaper. Based on our results, on average, you could get a comprehensive car insurance policy for an annual sum of £2049. Steve Mickenbecker, Group Executive, Financial Services & Chief Commentator. Drivers with multiple claims in New Hampshire. There are 50 car insurance groups in the US, with Group 1 being a low risk and Group 50 being the high risk. Cheapest: $22/mo. For example, AAA members can get. In Arizona, the average cost for minimum coverage is $46 per month, or $555 yearly — a savings of $1,076 compared to full coverage. Based on our results, on average, you could get a comprehensive car insurance policy for an annual sum of £2049. The average cost of car insurance in North Carolina is $124 per. The cheapest auto insurance providers in Oklahoma for a minimum coverage policy are: Mercury: $269 per year. Cars in these groups are typically small, low-powered cars with a good safety record. Buffalo residents pay more for car insurance than the national average of $880, but only slightly over the state average in New York ($1,085 every six months). The cheapest car insurance companies in Texas. Bankrate has reviewed the cheapest car insurance companies in Florida to help you find. Cumberland Mutual. $90. Best customer support: USAA. That’s a whopping difference of more than. If you want to check your . Progressive and State Farm offer Mississippi's cheapest minimum-coverage car insurance among widely available companies, charging an average of $31 per month. Geico also has cheap quotes, averaging $52 per. If you are a single 25-year-old driver in Oregon, Country Financial provides the cheapest car insurance on average. In Hawaii, the average cost for minimum coverage is $31 per month, or $370 yearly — a savings of $761 compared to full coverage. What is insurance group 32? When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), and this helps work out the cost of your car insurance premium. Best for teen drivers: Texas Farm Bureau. S. Enjoy Confused. How we chose our best picks. These are based on lots of different factors including their market value, the cost of repairs, and the risk of the car being in an accident. Read. esure offer 5 Star rated1 comprehensive cover for your electric or hybrid vehicle. According to the most recent data from the Association of British Insurers (ABI), the average premium for private comprehensive motor insurance stood at £561 in Q3 2023, up 29 per cent year-on. State Farm also has the best car insurance rates if you have an accident, speeding ticket, or DUI on your record. Collector Cars: Get the special coverage you. To help drivers find the best cheap auto insurance in Indiana, our editorial team collected quotes from top car insurance. Key factors are inflation, supply shortages, climate change and reinsurance rates. LV=: Best for cheaper rates. Texas Farm Bureau Insurance has the lowest average rates in Houston at $1,243 per year for full coverage. Jeep Wrangler.