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Cheapest car insurance in Argyle, Texas (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Argyle, Texas.
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Bonnie Stinson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

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 companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$226
Irene, 32
Zip: 76226
Honda Accord Sport
• State Minimum Liability
• Comp / Collision
Safeco
$165
Lucille, 48
Zip: 76226
Honda Pilot SE
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$386
Ernest, 23
Zip: 76226
Hyundai Accent SE
• 50,000/100,000 Liability
• Comp / Collision
Gainsco
$123
Addie, 76
Zip: 76226
Toyota Camry LE
• State Minimum Liability
Bristol West
$92
Thomas, 50
Zip: 76226
Volkswagen Touareg V6
• State Minimum Liability
coverageLast Updated May 17, 2024

Best 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 companyOverall ratingPriceClaims experienceCustomer 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
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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.
card cover
Lois (34 years old)
coverageCoverage
State Minimum
locationArgyle, TX
(Zip Code: 76226)
carHonda CR-V EXL
$133
per month
card cover
Thomas (50 years old)
coverageCoverage
State Minimum
locationArgyle, TX
(Zip Code: 76226)
carVolkswagen Touareg V6
$92
per month
card cover
Gainsco
Vera (76 years old)
coverageCoverage
State Minimum
locationArgyle, TX
(Zip Code: 76226)
$123
per month
card cover
Lura (41 years old)
coverageCoverage
State Minimum
locationArgyle, TX
(Zip Code: 76226)
$138
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 coverage
    takes care of the costs associated with fixing or replacing your car after an accident. 
  • Comprehensive coverage
    pays 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 coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$226
Irene, 32
Zip: 76226
Honda Accord Sport
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$165
Lucille, 48
Zip: 76226
Honda Pilot SE
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$386
Ernest, 23
Zip: 76226
Hyundai Accent SE
• State Minimum Liability
• Comp / Collision
Electric
$263
Lida, 24
Zip: 76226
Hyundai Veloster
coverageLast Updated May 17, 2024
The 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.
Lower my car insurance too!

Car insurance quotes in Argyle by rating factors 

When
calculating insurance premiums
in Argyle, companies use various 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?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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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 19% increase in your car insurance rate. Luckily, Jerry assists drivers with speeding tickets who are looking for ways to save on their car insurance.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$56
Josie, 45
Zip: 76226
Fiat 500
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
Travelers
$75
Trevor, 30
Zip: 76226
Mitsubishi Montero
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated May 17, 2024

Cheapest car insurance in Argyle after DUI

Post-DUI, you’ll have to explore your options and
compare rates
.
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.
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Irene (32 years old)
coverageCoverage
State Minimum
locationArgyle, TX
(Zip Code: 76226)
$226
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 typeInsurance companyPremium (monthly)CustomerCarInsurance 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
coverageLast Updated May 15, 2024

Cheapest 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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Allstate
$50
Ethel, 38
Zip: 76226
Fiat 500
• 50,000/100,000 Liability
• Comp / Collision
Defective Equipment
Nationwide
$72
Adeline, 32
Zip: 76226
Suzuki SX4
• State Minimum Liability
coverageLast Updated May 17, 2024

Cheap 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.
card cover
Elva (24 years old)
coverageCoverage
State Minimum
locationArgyle, TX
(Zip Code: 76226)
$229
per month
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Timothy (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationArgyle, TX
(Zip Code: 76226)
carHyundai Venue SEL
$146
per month
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Electric
Lida (24 years old)
coverageCoverage
State Minimum
locationArgyle, TX
(Zip Code: 76226)
carHyundai Veloster
$263
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.
card cover
Travis (71 years old)
coverageCoverage
State Minimum
locationArgyle, TX
(Zip Code: 76226)
carChrysler 300 Touring
$211
per month
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Gainsco
Addie (76 years old)
coverageCoverage
State Minimum
locationArgyle, TX
(Zip Code: 76226)
$123
per month

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.
card cover
Elmer (34 years old)
Currently Insured
coverageCoverage
State Minimum
locationArgyle, TX
(Zip Code: 76226)
carHonda CR-V EXL
$133
per month
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Elva (25 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationArgyle, TX
(Zip Code: 76226)
$166
per month
card cover
Margaret (48 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationArgyle, TX
(Zip Code: 76226)
$165
per month
card cover
Danny (23 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationArgyle, TX
(Zip Code: 76226)
$386
per month
card cover
Gainsco
Edwin (76 years old)
Currently Insured
coverageCoverage
State Minimum
locationArgyle, TX
(Zip Code: 76226)
$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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance 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
coverageLast Updated May 17, 2024

How 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

avatar
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.
avatar
Maria Cruz
badge icon
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.