Best cheap car insurance quotes in Longview

Texas has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in Longview—and offers you the cheapest rate.

But minimum liability isn’t always enough. You should consider getting full coverage to cover the repair or replacement costs for your car.

Cheap minimum liability insurance quotes in Longview

To hit the road legally, Longview drivers need to meet Texas minimum coverage limits for bodily injury liability and property damage liability:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 for property damage

These coverages are commonly known as 30/60/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.

Do you need more than minimum coverage in Longview?

Most drivers in Longview need higher liability coverage than the 30/60/25 state minimum mandated by Texas car insurance laws.

If you cause an accident, you could be responsible for medical bills and vehicle repairs well past the 30/60/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above the $25,000 property damage limit.

It’s important to note that Texas’ car accident laws allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the accident date!

THE BOTTOM LINE

For optimal financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.

Cheap full coverage car insurance quotes in Longview

Full coverage car insurance is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle.

Full coverage includes comprehensive and collision coverage:

• Collision coverage covers the cost of repairing or replacing your car after an accident. In contrast
• Comprehensive coverage pays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.

If you have a loan on the car, your bank will require both collision and comprehensive coverage until the loan is paid.

On top of a full-coverage policy, you can choose to purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.

Jerry has helped drivers in Longview and beyond find full coverage quotes that won’t break the bank.

Liability Limits	Has Full Coverage	Insurance Company	Premium (monthly)	Age	Zip Code	Car
State Minimum	No	Progressive	$142	53	75605	Nissan Maxima S
State Minimum	Yes	Bristol West	$87	42	75602	Chevrolet Tahoe C1500
State Minimum	Yes	The General	$520	29	75605	Kia Forte Ex
State Minimum	No	Progressive	$177	22	75602	Dodge Ram 1500
State Minimum	No	Commonwealth Insurance	$78	44	75604	Lincoln Town Car Signature

Last Updated Dec 17, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

How to find the cheapest car insurance quotes in Longview

In Longview, the average auto insurance policy costs about $112 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Longview drivers pay 15% less than the Texas average.

Every month, thousands of savvy car insurance shoppers in Longview, Texas use the trusted broker Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our Longview customers.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Progressive	$142	53	75605	Nissan Maxima S	State Minimum	No
Bristol West	$87	42	75602	Chevrolet Tahoe C1500	State Minimum	Yes
The General	$520	29	75605	Kia Forte Ex	State Minimum	Yes
Progressive	$177	22	75602	Dodge Ram 1500	State Minimum	No
Commonwealth Insurance	$78	44	75604	Lincoln Town Car Signature	State Minimum	No

Last Updated Dec 17, 2024

Cheapest Longview car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.

Good drivers in Longview can save up to 40% on their insurance, and with Jerry’s DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.

Customer	Driving Score	Insurance Savings	Has Violations	Insurance Coverage
Manuel, 25	76	22%	No	– 50/100 – Comp/Collision
Megan, 34	93	34%	No	– 50/100 – Comp/Collision
Michael, 43	98	33%	No	– 50/100 – Comp/Collision
Isabel, 51	72	25%	No	– State Minimum Liability – Comp/Collision
Ethan, 64	70	21%	No	– State Minimum Liability – Minimum Coverage

Best car insurance companies in Longview

No one car insurance company is the right fit for every driver. The primary reason is that every customer gets different car insurance quotes based on their profile—so the most affordable company differs for everyone. Besides price, you also have to consider factors such as claims handling and customer service.

Jerry conducted the largest insurance survey in the country to help drivers better compare the cheapest car insurance companies. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.

Insurance company	Overall rating	Price	Claims experience	Customer service
Progressive	4.4	4	3.8	4.3
USAA	4.2	3.3	4.4	4.3
State Farm	3.9	3.4	3.4	4
Geico	3.9	3.1	4.2	4.1
Liberty Mutual	3.3	2.6	N/A	3.2

Average cost of car insurance in Longview

After analyzing scores of insurance providers in Longview, we have discovered that the average price for minimum liability coverage amounts to be $112 per month or $1,339 per year. Additionally, residents of Longview can expect to pay an average of $150 per month or $1,800 per year for full coverage insurance.

While it’s useful to understand average insurance rates to estimate your personal insurance costs, it’s important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
75601	$86	$189
75602	$101	$154
75603	$73	$262
75604	$102	$172
76505	$93	$177

Car insurance quotes in Longview by rating factors

Insurance companies in Longview use many rating factors when deciding your auto insurance premium:

• Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
• Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
• Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
• Your mileage: High annual mileage can result in higher insurance costs.
• The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
• Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

Cheap car insurance quotes in Longview after driving violations

Your Texas driving record influences your auto insurance quotes. If insurance providers see a history of violations, they may label you a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:

• Speeding
• DUIs
• At fault accident
• Reckless driving
• Driving on a suspended license

Cheapest car insurance in Longview after speeding ticket

In Longview, a speeding ticket could increase your car insurance rate by about 18%. Thankfully, Jerry helps drivers with speeding tickets save on car insurance.

Speeding Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Speeding 11-15	Progressive	$205	33	75601	Ford Expedition Eddie Bauer	State Minimum	Yes
Speeding Violation-Major	Progressive	$134	25	75602	Chrysler Town & Country Touri	State Minimum	Yes
Speeding Violation-Major	Gainsco	$356	63	75605	Kia Forte Lx	State Minimum	Yes
Speeding Violation-Major	Progressive	$143	50	75605	Dodge Ram 1500 Slt	State Minimum	No
Speeding Violation-Major	Progressive	$76	31	75603	Nissan Sentra S	State Minimum	No

Last Updated Dec 17, 2024

Cheapest car insurance in Longview after DUI

A DUI in Longview is a serious violation and it will trigger extremely high rates for car insurance and label you as a high-risk driver. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI, it’s important to shop around and compare rates.

Cheapest car insurance in Longview after an at-fault accident

One of the most critical factors affecting car insurance rates is your car accident or claim history. Texas is an at-fault state, and an at-fault accident in your recent past could mean significantly higher insurance rates.

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
At Fault With No Injury	The General	$520	29	75605	Kia Forte Ex	State Minimum	Yes
Not At Fault	Progressive	$134	25	75602	Chrysler Town & Country Touri	State Minimum	Yes
Not At Fault	Progressive	$143	50	75605	Dodge Ram 1500 Slt	State Minimum	No
Not At Fault	Progressive	$187	28	75604	Toyota Tundra Double Cab Li	100/300	Yes
At Fault With No Injury	Bristol West	$314	26	75604	Ford Escape Se	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest car insurance in Longview after other driving violations

Speeding tickets, DUIs, reckless driving, and suspended licenses on your driving record can all lead to rate hikes from any car insurance provider in Longview.

Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Other Minor	Electric	$134	23	75605	Ford Focus S	State Minimum	No
Operating Vehicle without Permission	Progressive	$250	26	75605	Mazda 3 Touring	50/100	Yes
Suspension	Gainsco	$140	49	75605	Nissan Versa S	State Minimum	No
Driving on Sus. License	The General	$224	21	75605	Hyundai Sonata Se	State Minimum	No
Careless Driving	Bluefire	$89	34	75601	Mazda Cx-5 Touring	State Minimum	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Longview by age

Young people and seniors generally face the highest insurance rates.

Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.

Cheapest car insurance in Longview for young drivers

Teen drivers aged 16 to 19 pay the highest insurance rates out of any age group in Longview. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens tend to get into more accidents.

Staying on a parent’s policy is the best way to keep rates low. Using Jerry to find a policy is also a great option!

Cheapest car insurance in Longview for senior drivers

Car insurance rates for seniors tend to be higher due to several reasons. The main one is that older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision. This translates to significant medical expenses and increased costs for insurance providers.

With Jerry, senior drivers can continue to save on car insurance.

Cheap car insurance quotes in Longview based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any lapses in coverage.

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status.

Cheap car insurance quotes in Longview for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.

Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).

Take a look at how your rates could change with a lower credit score, and the premiums you could find using Jerry:

Credit Range	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
550-659	Progressive	$142	53	75605	Nissan Maxima S	State Minimum	No
550-659	Bristol West	$87	42	75602	Chevrolet Tahoe C1500	State Minimum	Yes
550-659	The General	$520	29	75605	Kia Forte Ex	State Minimum	Yes
660-750	Progressive	$177	22	75602	Dodge Ram 1500	State Minimum	No
<550	Commonwealth Insurance	$78	44	75604	Lincoln Town Car Signature	State Minimum	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Longview for popular cars

The make and model of your vehicle is an important factor in determining your insurance rate in Longview. Every model has a unique cost of repair, set of safety features, and rate of theft.

Popular car models for Longview drivers include:

• Honda Civic
• Nissan Rogue
• Ford Bronco
• Chevrolet Silverado 1500
• Toyota Corolla

Check out real quotes drivers found with some of the most popular cars in the state.

Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Liability Limits	Has Full Coverage
Nissan Rogue Sv	Electric	$272	40	75604	State Minimum	Yes
Nissan Rogue S	Progressive	$64	40	75605	State Minimum	No
Honda Civic Lx	Bristol West	$1,015	41	75604	50/100	Yes
Toyota Corolla L	Aspen	$130	25	75605	State Minimum	No
Honda Civic Lx	Safeco	$212	27	75602	State Minimum	Yes

Last Updated Dec 17, 2024

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Learn more: How to get car insurance before buying a car

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How to lower car insurance costs in Longview

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:

• Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims
• Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
• Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
• Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.