The average annual cost of a full coverage car insurance policy in Longview is $1,779 per year. That’s $39 less than the Texas state average of $1,818 per year — but Longview drivers can still find opportunities to save.
Comparing quotes from multiple companies is the best way to find affordable rates. Policygenius can help you see options from top car insurance companies so you can choose the coverage that’s right for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Longview, TX
Insurance costs differ based on where you live, how old you are, your driving record, and the type of car you drive. Every insurance company has its own way of determining rates, so you can get wildly different rates from two companies for comparable coverage. The following table shows the five cheapest car insurance companies in Longview as well as their J.D. Power scores as available.
Company | Average cost | JD Power Rating |
|---|---|---|
Farm Bureau | $1,079 | -- |
State Farm | $1,107 | 882 |
Redpoint County Mutual | $1,231 | -- |
Germania Insurance | $1,312 | -- |
Southern County Mutual | $1,441 | -- |
Cheapest car insurance rates by ZIP code in Longview, TX
Where you live in a city can also negatively or positively impact your rates. Insurers look at the availability of secure parking or on-street parking, reports of thefts and vandalism, and how many traffic accidents and driving violations are issued where you live. The table below lists car insurance rates for ZIP codes in Longview.
ZIP code | Average cost |
|---|---|
75605 | $1,759 |
75601 | $1,772 |
75604 | $1,775 |
75602 | $1,792 |
75603 | $1,798 |
Choosing the right car insurance company in Longview, TX
Picking the right car insurance company might seem complicated, but if you break it down it’s easier to manage. Consider the following when you’re shopping for insurance:
Cost: The best way to be sure you don’t overpay is to get multiple quotes and compare.
Coverage: Make sure you’re well protected in case of a costly accident.
Service: Perks like a mobile app or a dedicated hotline for tracking the status of a claim can make a big difference after an incident.
Car insurance rates for drivers with driving violations in Longview, TX
Speeding tickets increase your rates. Accidents increase them more, especially if you’re determined to be at fault for the accident. The more of these violations on your record, the more it will cost to get car insurance.
Violation | Farm Bureau | State Farm | Redpoint County Mutual | Germania Insurance | Southern County Mutual |
|---|---|---|---|---|---|
At-fault accident | $1,842 | $1,330 | $1,231 | $1,836 | $2,183 |
DUI | $2,342 | $1,787 | $1,231 | $3,159 | $1,932 |
Suspended license | $1,177 | $1,558 | $1,231 | $2,497 | $1,932 |
Open container | $2,342 | $1,694 | $1,231 | $1,410 | $1,932 |
Expired registration | $1,177 | $1,123 | $1,231 | $1,410 | $1,618 |
Driving without lights | $1,177 | $1,123 | $1,231 | $1,410 | $1,618 |
Running a red light | $1,177 | $1,123 | $1,231 | $1,410 | $1,618 |
Following too closely | $1,177 | $1,123 | $1,231 | $1,410 | $1,618 |
Hit and run | $1,177 | $1,787 | $1,231 | $3,159 | $1,932 |
Not-at-fault accident | $1,177 | $1,123 | $1,231 | $1,467 | $1,512 |
Passing a school bus | $1,177 | $1,123 | $1,231 | $1,410 | $1,932 |
Reckless driving | $1,177 | $1,787 | $1,231 | $3,159 | $1,932 |
Speeding | $1,177 | $1,123 | $1,231 | $1,410 | $1,618 |
Cheapest car insurance for drivers with a DUI in Longview, TX
Company | Rates for drivers with DUIs |
|---|---|
Redpoint County Mutual | $1,231 |
State Farm | $1,787 |
Southern County Mutual | $1,932 |
Farm Bureau | $2,342 |
Germania Insurance | $3,159 |
Cheapest car insurance for drivers with a speeding ticket in Longview, TX
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,123 |
Farm Bureau | $1,177 |
Redpoint County Mutual | $1,231 |
Germania Insurance | $1,410 |
Southern County Mutual | $1,618 |
Cheapest car insurance for drivers with bad credit in Longview, TX
You might be surprised to learn that your credit score is used to figure out your car insurance rates. Drivers with lower credit scores will likely see higher car insurance rates, which makes it all the more important to shop around. The following table shows the five cheapest car insurance companies in Longview for those who have bad credit.
Company | Rates for drivers with bad credit |
|---|---|
Redpoint County Mutual | $1,231 |
Germania Insurance | $2,595 |
Mercury Insurance | $2,619 |
Auto Club | $2,699 |
Southern County Mutual | $2,700 |
Buying car insurance in Longview, TX
Insurance is required in order to register a vehicle in Texas. The insurance you purchase must include a minimum of:
$25,000 for property damage liability per accident
$30,000 for bodily injury liability per person/$60,000 per accident
Coverage must be maintained for the entire time that your vehicle is registered in Texas, even if you’re not driving.
How to get cheap car insurance in Longview, TX
There are several ways to get cheap car insurance in Longview, including:
Keep tickets and traffic accidents to a minimum.
Maintain a good credit score for a better insurance rate
Get quotes from more than one insurance company before you buy a policy
Take advantage of discounts. Ask about savings for low mileage drivers, safe drivers, good students, and professional groups including firefighters and teachers.
Bundle auto insurance with insurance for your house, condo, apartment, boat, or anything else you insure from the same company and you’ll save on both policies
Frequently asked questions
What is the cheapest car insurance in Longview, Texas?
On average, Texas Farm Bureau has cheapest car insurance for most drivers in Longview. Average rates from Farm Bureau are a state-low $1,079 per year,
Is car insurance required in Longview, Texas?
Car insurance is required in Longview. The state of Texas requires at least $25,000 in property damage liability per accident, $30,000 in bodily injury liability per person, and $60,000 in bodily injury liability per accident.
Is Texas a no-fault state?
Texas is not a no-fault state. If one driver is cited for being at-fault for an accident, then that driver’s liability insurance will pay everyone’s expenses.
How can I save money on car insurance in Longview?
Keep your credit history in good shape and do the same for your driving record to save money on car insurance. If your rates are going up, it’s a good time to shop around for new coverage.
