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Cheapest car insurance in New Caney, Texas (Feb 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in New Caney, Texas.
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Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor
New Caney Car Insurance: Quick Facts
  • New Caney drivers pay an average of $219/mo for full coverage.
  • New Caney drivers pay an average of $93/mo for minimum coverage.
  • Average rates for New Caney car insurance are higher than both the Texas state and U.S. national averages.
  • Texas state law requires 30/60/25 liability insurance.
Situated just north of downtown Houston, residents of New Caney,
Texas
get to avoid the crowded streets of the big city—until it’s time to go to work. Since most drivers in Texas and New Caney commute to work, owning a car is a necessity, and so is
car insurance
.
On average, New Caney drivers shell out $93 per month for minimum liability insurance and $128 monthly for full coverage. While these aren’t the highest rates in Texas or the nation, most New Caney drivers can still benefit from finding lower premiums—and Jerry can help.

How to find the cheapest car insurance quotes in New Caney

In New Caney, the average
auto insurance
policy costs about $93 per month for minimum coverage liability insurance, and about $219 per month for full coverage insurance. New Caney drivers pay 4% less than the
Texas
average.  
Every month, thousands of savvy car insurance shoppers in New Caney, 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 New Caney customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$80
Esther, 53
Zip: 77357
Hyundai Accent SE
• State Minimum Liability
Dairyland
$366
Genevieve, 48
Zip: 77357
Chevrolet Silverado C1500 Custom
• State Minimum Liability
• Comp / Collision
Commonwealth Insurance
$88
Isabel, 66
Zip: 77357
Mazda MPV Wagon
• State Minimum Liability
coverageLast Updated Feb 29, 2024

Cheapest New Caney 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 New Caney 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 New Caney

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 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 New Caney

Texas has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in New Caney—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 New Caney

To hit the road legally, New Caney 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. 
Jerry has helped New Caney drivers find affordable minimum liability coverage with no hassles.
card cover
Esther (53 years old)
coverageCoverage
State Minimum
locationNew Caney, TX
(Zip Code: 77357)
$80
per month
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Nancy (37 years old)
coverageCoverage
State Minimum
locationNew Caney, TX
(Zip Code: 77357)
$199
per month
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Rodney (33 years old)
coverageCoverage
State Minimum
locationNew Caney, TX
(Zip Code: 77357)
$71
per month
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Electric
Jesse (41 years old)
coverageCoverage
State Minimum
locationNew Caney, TX
(Zip Code: 77357)
carNissan Xterra OFF Road
$112
per month

Do you need more than minimum coverage in New Caney?

Most drivers in New Caney 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 New Caney

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 New Caney and beyond find full coverage quotes that won’t break the bank.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$212
Gary, 30
Zip: 77357
Honda CR-V LX
• State Minimum Liability
• Comp / Collision
Allstate
$100
Bess, 66
Zip: 77357
Mazda MPV Wagon
• State Minimum Liability
• Comp / Collision
Bristol West
$427
Tom, 24
Zip: 77357
Nissan Sentra SV
• 50,000/100,000 Liability
• Comp / Collision
Mercury
$198
Daisy, 32
Zip: 77357
Acura TLX
• State Minimum Liability
• Comp / Collision
Assurance America
$195
Jon, 30
Zip: 77357
Mazda CX-30
coverageLast Updated Feb 29, 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.

Average cost of car insurance in New Caney

After analyzing scores of insurance providers in New Caney, we have discovered that the average price for minimum liability coverage amounts to $93 per month or $1,112 per year. Additionally, residents of New Caney can expect to pay an average of $219 per month or $2,623 per year for full coverage insurance. 
Overall, car insurance in New Caney is more expensive than both the state and national average. 
Coverage type
New Caney
Texas
United States
Full coverage
$2,623
$2,374
$1,985
Minimum coverage
$1,112
$1,022
$927
Luckily, these averages are just that—averages.
Each provider uses its own unique formula
to generate
car insurance quotes
based on your unique driving profile, so what you pay could be less—or more—than these averages.
To find out how much you can expect to pay for car insurance you can request quotes from multiple providers, or just use the
Jerry
app. Jerry uses your unique driving profile to generate and compare quotes from dozens of providers in your area and present you with the ones that offer the best coverage at the most affordable rate.
Once you find your ideal policy, just tap “Confirm your rate,” and Jerry will walk you through completing your application and securing your new rate. No need to leave the app, and the entire process—from quoting to receiving your digital insurance cards—typically takes just one to two hours.

Why is car insurance so expensive in New Caney?

Car owners in New Caney, TX have witnessed a notable increase in auto insurance premiums reflecting broader trends across the state.
Lone Star State regulators approved 122 rate hikes in Q2 of 2023 alone, 40 of which were for more than 10%. Included among these hikes were three of New Caney’s most popular providers: GEICO, State Farm, and Allstate.1
Several key factors are driving these rate hikes, including an uptick in distracted driving accidents, rising medical costs, and increased frequency and severity of auto accidents. Additionally, severe weather events such as tornadoes, hailstorms, and flooding have played a role in increasing rates in New Caney.
Lower my car insurance too!

Car insurance quotes in New Caney by rating factors 

Insurance companies in New Caney 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.

How do different factors impact your car insurance costs in New Caney?

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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 New Caney:

Cheap car insurance quotes in New Caney 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 New Caney after speeding ticket

In New Caney, a speeding ticket could increase your car insurance rate by about 19%. Thankfully, Jerry helps drivers with speeding tickets save on car insurance.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Allstate
$69
Calvin, 34
Zip: 77357
Volvo S70
• 100,000/300,000 Liability
• Comp / Collision
Speeding 6-10
Allstate
$55
Rose, 41
Zip: 77357
Subaru WRX
• 100,000/300,000 Liability
coverageLast Updated Feb 29, 2024

Cheapest car insurance in New Caney after DUI

A
DUI
in New Caney 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
Jerry has assisted many New Caney drivers with finding affordable rates after a DUI.
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Ada (33 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNew Caney, TX
(Zip Code: 77357)
$73
per month
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Brent (32 years old)
coverageCoverage
State Minimum
locationNew Caney, TX
(Zip Code: 77357)
$61
per month

Cheapest car insurance in New Caney 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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$252
Maud, 32
Zip: 77357
KIA Forte LX
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Travelers
$189
Ronald, 32
Zip: 77357
Acura TLX
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Safeco
$152
Devin, 24
Zip: 77357
Ford Fusion SE
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Allstate
$160
Anne, 32
Zip: 77357
Acura TLX
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Feb 29, 2024

Cheapest car insurance in New Caney 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 New Caney.
Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
Progressive
$165
Derrick, 54
Zip: 77357
Toyota Camry LE
• State Minimum Liability
Failure to Obey Signal
National General
$144
Lena, 54
Zip: 77357
Toyota Camry LE
• State Minimum Liability
Improper Passing
Bristol West
$144
Dean, 37
Zip: 77357
Lexus RX 350
• State Minimum Liability
coverageLast Updated Feb 29, 2024

Cheap car insurance quotes in New Caney 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 New Caney for young drivers

Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in New Caney. 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! Take a look at these real quotes teen drivers in Texas found with the Jerry app.
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Christina (24 years old)
coverageCoverage
State Minimum
locationNew Caney, TX
(Zip Code: 77357)
$191
per month
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Norman (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNew Caney, TX
(Zip Code: 77357)
$169
per month
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Lee (23 years old)
coverageCoverage
State Minimum
locationNew Caney, TX
(Zip Code: 77357)
$254
per month
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Tom (24 years old)
coverageCoverage
State Minimum
locationNew Caney, TX
(Zip Code: 77357)
$427
per month

Cheapest car insurance in New Caney 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.
But with Jerry, senior drivers can continue to save on car insurance. Here's what real senior motorists in Texas were quoted using the Jerry app:
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Isabel (66 years old)
coverageCoverage
State Minimum
locationNew Caney, TX
(Zip Code: 77357)
$88
per month

Cheap car insurance quotes in New Caney 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:
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Michael (30 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNew Caney, TX
(Zip Code: 77357)
carHonda CR-V LX
$212
per month
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Ronald (32 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNew Caney, TX
(Zip Code: 77357)
carAcura TLX
$189
per month
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Paul (66 years old)
Currently Insured
coverageCoverage
State Minimum
locationNew Caney, TX
(Zip Code: 77357)
$100
per month
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Rose (34 years old)
Currently Insured
coverageCoverage
State Minimum
locationNew Caney, TX
(Zip Code: 77357)
$249
per month
card cover
Gainsco
Jorge (32 years old)
Currently Insured
coverageCoverage
State Minimum
locationNew Caney, TX
(Zip Code: 77357)
$300
per month

Cheap car insurance quotes in New Caney 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 rangeInsurance companyPremium (monthly)CustomerCarInsurance coverage
660 - 750
Progressive
$212
Carlos, 30
Zip: 77357
Honda CR-V LX
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Safeco
$249
Lena, 34
Zip: 77357
Dodge Challenger R/T
• State Minimum Liability
• Comp / Collision
550 - 659
Travelers
$204
Essie, 45
Zip: 77357
RAM 1500 BIG Horn/lone Star
• State Minimum Liability
• Comp / Collision
< 550
Bristol West
$250
Owen, 32
Zip: 77357
Chevrolet Spark LS
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 24, 2024

How to lower car insurance costs in New Caney

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.

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.

FAQ

How much is car insurance in New Caney?

People living in New Caney pay on average $93 per month – or $1,112 per year – on state-minimum liability coverage. Full coverage in New Caney costs on average $219 per month or $2,623 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in New Caney?

Based on thousands of New Caney drivers Jerry has worked with, car insurance in New Caney costs an average of $93 per month for state-minimum coverage and $219 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in New Caney?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica and Direct Auto receive good ratings from New Caney drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance in New Caney, Texas?

The state-minimum car insurance in New Caney, Texas is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Sources

Meet our experts

avatar
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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Josh Damico
badge icon
Head Of Insurance Operations
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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.