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Cheapest car insurance in Argyle, Texas (Oct 2024)
Cheapest car insurance in Argyle, Texas (Oct 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Argyle, Texas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance quotes in Argyle
- Best auto insurance companies in Argyle
- Best cheap car insurance quotes in Argyle
- Average cost of car insurance in Argyle
- Car insurance quotes in Argyle by rating factors
- How do different factors impact your car insurance costs in Argyle?
- Cheap car insurance quotes in Argyle after driving violations
- Cheap car insurance quotes in Argyle by age
- Cheap car insurance quotes in Argyle based on insurance history
- Cheap car insurance quotes in Argyle for popular cars
- How to lower car insurance costs in Argyle
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Argyle
To find the cheapest rate, Argyle drivers turn to
Jerry Insurance Agency
. These drivers trust Jerry to help them easily compare prices between different companies and get the best insurance deal. It matters because Argyle drivers pay approximately $111 per month for basic
car insurance
in Argyle, or roughly $219 per month for full coverage. That works out to 11% more than the state average.The good news is that Jerry recently found some affordable car insurance options for Argyle customers.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $329 | Harriet, 21 Zip: 76226 | Ford Fusion Titanium | • State Minimum Liability • Comp / Collision |
| Safeco | $165 | Dora, 49 Zip: 76226 | Honda Pilot SE | • 100,000/300,000 Liability • Comp / Collision |
| Mercury | $146 | Amelia, 25 Zip: 76226 | Hyundai Venue SEL | • 50,000/100,000 Liability • Comp / Collision |
Gainsco | $176 | Sylvia, 40 Zip: 76226 | Nissan Titan S | • No Coverage Liability • Comp / Collision |
Aspen | $368 | Callie, 32 Zip: 76226 | Mazda CX-30 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 15, 2024Best auto insurance companies in Argyle
The truth is that every driver will have a different “best” company, even if they live in the same town. That’s because each driver gets unique
insurance quotes
based on their individual profile. Price isn't the only factor, either—Argyle drivers should also think carefully about how well a company handles claims and provides customer service.
So which company is best for you? Jerry recently conducted an extensive insurance survey to make it easier for drivers to compare affordable car insurance companies.
While popular names like GEICO and State Farm received mixed reviews for both policy cost and customer service, smaller insurers like Aspire Advantage and National General stood out in Argyle with top ratings from real 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 | 3.7 | 4 |
| Geico | 3.9 | 3.1 | 4.2 | 4.1 |
Liberty Mutual | 3.3 | 2.6 | N/A | 3.2 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Argyle
In Texas, there's a minimum requirement for liability insurance—and it’s one of the most affordable types of coverage in Argyle since it’s the lowest amount of legally required coverage.
However, this minimum may not provide sufficient coverage if trouble finds you. It's worth thinking about opting for full coverage to handle potential repair or replacement costs for your vehicle.
Cheap minimum liability insurance quotes in Argyle
To legally drive in Argyle, you must meet Texas’ minimum coverage requirements for bodily injury liability and property damage liability, known as 30/60/25 insurance:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 for property damage
By carrying this basic liability coverage, you are covered up to these limits if you're responsible for causing injuries or property damage while driving.
Budget-friendly minimum liability coverage for Argyle drivers is easy to find with Jerry.
Hannah (34 years old)
$133
per month
Gainsco
Callie (77 years old)
$123
per month
Do you need more than minimum coverage in Argyle?
Possibly. Think about the cost of car repairs and medical bills—then think about your bank account.
If you're at fault in an accident, you could end up with bills surpassing Texas’ 30/60/25 limits—especially for severe injuries or extensive vehicle repairs. In cases where the car is totaled, replacement costs can easily exceed $40,000, well beyond the $25,000 property damage limit.
Be aware that
Texas’ car accident laws
permit drivers to file bodily injury and property damage lawsuits up to two years after an incident. This means your liability (and your risk) extends well beyond the accident date.This is why many Argyle drivers have decided that the state minimum required by
Texas car insurance laws
is simply not enough to meet their insurance needs.The bottom line: To protect yourself and your assets, experts recommend higher liability coverage such as 50/100/50 or 100/300/100—even if you decide not to opt for any full coverage on your car.
Cheap full coverage car insurance quotes in Argyle
$219 per month is the average cost of
full coverage car insurance
in Argyle. This type of policy is a smart way to shield yourself from expenses that result from repairing or replacing your vehicle—and you could even pay less than average.Full coverage includes both comprehensive and collision coverage.
- Collision coveragetakes care of the costs associated with fixing or replacing your car after an accident.
- Comprehensive coveragepays out if your vehicle is stolen or damaged by non-collision events like vandalism, theft, or some types of natural disasters.
Do you have a car loan? You may be required to carry full coverage, because the bank needs to protect its asset until you pay off the loan entirely.
Go even further and enhance your coverage with
uninsured motorist protection
on top of a full-coverage policy. This extra protection doesn’t cost a ton, but it helps safeguard against injuries or damage in an accident caused by a driver without car insurance (and there are quite a few in Texas
).In Argyle and beyond, Jerry has been a trusted ally for drivers looking for full coverage quotes that provide comprehensive protection with wallet-friendly rates.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $329 | Harriet, 21 Zip: 76226 | Ford Fusion Titanium |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $165 | Dora, 49 Zip: 76226 | Honda Pilot SE |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $166 | Lelia, 26 Zip: 76226 | Dodge Charger R/T |
• No Coverage Liability • Comp / Collision | Gainsco | $176 | Sylvia, 40 Zip: 76226 | Nissan Titan S |
Last Updated Oct 15, 2024The quickest and simplest way to find cheap prices for your desired coverage is to compare rates online.
Jerry, a
leading insurance agency
, provides a free app designed to compare car insurance quotes. With the support of over 100 licensed insurance agents, Jerry's app offers end-to-end service to its customers.Average cost of car insurance in Argyle
On average, minimum liability coverage costs around $111 per month or $1,333 per year. For full coverage insurance, residents of Argyle might pay an average of $219 per month or $2,625 per year.
While knowing these average rates is helpful for estimating your own costs, keep in mind that individual premiums depend on factors like your car type, driving history, claims record, and other personal details.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in Argyle by rating factors
- Your demographics: Your age, gender, and marital status play a role in influencing insurance rates.
- Your make/model: Luxury, sport, and high-performance vehicles tend to have higher insurance costs because replacement parts can be pricier and harder to find.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even with identical coverage.
- A clean driving record and claims history: Texans with a clean record often enjoy lower premiums, while a history of accidents or violations can lead to higher costs.
- Your location: City residents might face higher premiums due to factors like increased crime rates and higher population density compared to people in rural areas.
- Your mileage: High annual mileage can contribute to increased insurance costs due to higher chances of accidents and more wear and tear.
How do different factors impact your car insurance costs in Argyle?
How do different factors impact your car insurance costs in Argyle?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Argyle:
Cheap car insurance quotes in Argyle after driving violations
Your auto insurance quotes are heavily affected by your
Texas driving record
, so it’s possible you’ll struggle to find cheap rates after a violation or two. Common violations that could lead to increased insurance rates include:
- Speeding
- DUIs
- At-fault accidents
- Reckless driving
- Driving on a suspended license
When insurance companies observe a record of violations, they tend to consider you a higher risk and apply a higher rate.
Cheapest car insurance in Argyle after speeding ticket
In Argyle, getting a speeding ticket may result in an approximate -- increase in your car insurance rate. Luckily, Jerry assists drivers with speeding tickets who are looking for ways to save on their car insurance.
Last Updated Oct 9, 2024 Cheapest car insurance in Argyle after DUI
Getting a
DUI
in Argyle—or anywhere—categorizes you as a high-risk driver
. This is a significant violation that can lead to exceptionally high car insurance rates. In some cases, certain companies may even decline coverage. Jerry has helped numerous Argyle drivers find car insurance after a DUI.
Violet (33 years old)
$66
per month
Jean (45 years old)
$51
per month
Cheapest car insurance in Argyle after an at-fault accident
Car accidents and your claim history are among the most pivotal factors that influence car insurance rates. In Texas (an at-fault state), a recent at-fault accident could result in notably higher insurance rates for you.
You should definitely compare rates so you don’t overpay unnecessarily, but you’re still likely to face higher rates than before the accident.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $156 | Helena, 48 Zip: 76226 | Honda Pilot SE | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $386 | Billy, 23 Zip: 76226 | Hyundai Accent SE | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Allstate | $166 | Henrietta, 25 Zip: 76226 | Dodge Charger R/T | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $165 | Eva, 48 Zip: 76226 | Honda Pilot SE | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Oct 13, 2024Cheapest car insurance in Argyle after other driving violations
Speeding tickets, DUIs,
reckless driving
, and having a suspended license
on your driving record can all result in increased rates from any car insurance provider in Argyle. However, the rate raise will be slightly different for each provider.Check out the following list of various driving violations and see how Jerry has assisted drivers in saving on their car insurance expenses following these infractions.
Last Updated Oct 15, 2024Cheap car insurance quotes in Argyle by age
Young and older drivers face the highest insurance rates—that’s true in Argyle and elsewhere.
Seniors may experience an increase in insurance rates around their mid-70s.
Young drivers who have limited driving experience usually pay more for insurance. Rates tend to decrease after the age of 25.
Cheapest car insurance in Argyle for young drivers
Teen drivers
encounter the highest insurance rates among all age groups in Argyle.To best protect young drivers, full coverage is a wise choice—especially for teen car owners with newer vehicles who are more likely to be involved in more accidents.
Teens can stay on a parent's policy to keep rates as low as possible. Another excellent option is using Jerry to tailor a policy specifically for the young driver’s coverage needs and budget.
Harriet (21 years old)
$329
per month
Cheapest car insurance in Argyle for senior drivers
Seniors can face
higher car insurance rates
. However, they can still unlock savings by shopping around to compare rates—and by qualifying for discounts.The reality is that older drivers have a higher likelihood of being in accidents. It’s also because they are more susceptible to severe injuries in collisions, which leads to significant medical expenses and increased costs for insurance providers.
Sallie (72 years old)
$211
per month
Gainsco
Callie (77 years old)
$123
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in Argyle based on insurance history
In the same way that your driving record and claims history matter to car insurance companies, your insurance history also plays a crucial role in how providers assess your risk.
When assigning you a rate, companies will look at the duration of your insurance coverage and whether there have been any
lapses
.Drivers with lapses in coverage might encounter higher auto insurance rates. On the bright side, Jerry can assist customers in unlocking savings on car insurance coverage—no matter their insured status.
Elmer (34 years old)
$133
per month
Gainsco
Edwin (76 years old)
$123
per month
Cheap car insurance quotes in Argyle for drivers with poor credit
While your
credit score
doesn't directly reflect your driving abilities, insurance companies have noticed a connection between low credit scores and a higher tendency to file claims.This is why drivers with lower credit scores often have to accept higher insurance costs than people with better credit scores.
If you’re an Argyle driver with an excellent credit score (750+), you can expect to pay around
59% less
for car insurance compared to another driver with a lower score (below 550).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $80 | Charlotte, 32 Zip: 76226 | Subaru Forester 2.5I Touring | • State Minimum Liability • Comp / Collision |
660 - 750 | Allstate | $161 | Clara, 48 Zip: 76226 | Honda Pilot SE | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Safeco | $165 | Margaret, 48 Zip: 76226 | Honda Pilot SE | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | Progressive | $226 | Steve, 32 Zip: 76226 | Honda Accord Sport | • State Minimum Liability • Comp / Collision |
< 550 | Travelers | $386 | George, 23 Zip: 76226 | Hyundai Accent SE | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 15, 2024Cheap car insurance quotes in Argyle for popular cars
The type of car you drive is a key factor in setting your insurance rate in Argyle. Each model comes with its own repair costs, safety features, and theft rate.
Last Updated Oct 12, 2024How to lower car insurance costs in Argyle
1. Compare quotes from different insurers
Every company has its own rules for calculating premiums, and these rules frequently evolve. To ensure you consistently have the most budget-friendly rates, experts suggest comparing quotes from a minimum of three companies and revisiting rates every six months.
Jerry safely simplifies the tedious insurance shopping process. In just minutes, Jerry can gather quotes from a selection of leading insurance providers so you can quickly review coverage options and find the optimal auto insurance coverage. Best of all, it’s free.
2. Bump up your deductible for comprehensive and collision coverage
If you have full coverage car insurance, raising your deductible is a simple strategy for lowering monthly expenses without compromising your coverage.
Only do this if you can actually afford a higher out-of-pocket payment, though.
3. Search for car insurance discounts
Almost every insurance company offers a
range of discounts
, but the specific ones offered can vary between companies. Some common discounts for Argyle drivers include:- Telematics discounts: Several companies offer easy-to-earn discounts to drivers who use telematics to monitor their driving habits. Many offer a discount simply for signing up!
- Good driver discounts: Many insurers provide discounts for people with clean records and people who haven’t filed any claims.
- Good student discounts: If you're a full-time student in high school or college with a B average or better, you likely qualify for a discount from your insurance company.
- Bundling discounts: Combine your home insurance with your auto insurance (or auto and renters insurance) with the same company, and you could receive a discount on both policies.
Make sure to ask your provider about other discounts, as they’re not always listed clearly on the website.
FAQ
How much is car insurance in Argyle?
People in Argyle typically pay about $111 monthly ($1,332 annually) for state-minimum liability coverage. Full coverage, on the other hand, averages $219 per month or $2,628 per year in Argyle. As of January 2024, that was about $20 cheaper than the same policy in Dallas, but about $34 more expensive than the same driver in Flower Mound.
However, know that there's no such thing as an "average" in car insurance. Costs vary significantly based on individual situations so the best way to gauge your potential insurance expenses is by pulling custom quotes from different providers.
What is the cheapest car insurance in Argyle?
From Jerry's extensive experience with helping Argyle drivers, the average cost of car insurance is approximately $111 per month for state-minimum coverage and $219 per month for full coverage.
Keep in mind that there's no one-size-fits-all when it comes to finding the cheapest insurance company. By actively seeking insurance quotes, you’ll be able to identify the most affordable insurance policy for your needs.
What is the minimum car insurance in Argyle, Texas?
The minimum car insurance required in Argyle, Texas, is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for property damage. This set of coverages is commonly known as 30/60/25 coverage. You can exceed this coverage, but you cannot go below this level of protection.
What is the best car insurance in Argyle?
Price is important, but remember that customer service should also influence your choice of insurance company. That being said, Amica and Direct Auto have received positive ratings from Argyle drivers, as indicated by the largest car insurance survey in the nation conducted by Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services, conducting extensive research by examining over 25 million car insurance quotes and surveying 15,000 customers across 85 carriers in the past 18 months.
The survey covered areas like insurance cost, customer service, buying and renewal experiences, and claims processes. Driver characteristics for calculating average rates include being a single driver, single car, clean record, and currently insured. Personal information in quotes and policies is hidden, and not all customers find savings.
The team comprises licensed insurance agents, industry veterans, and data scientists.
Meet our experts
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.