Cheap Auto Insurance in Georgetown, TX

Finding cheap auto insurance in Georgetown, TX, can feel like a hassle as it becomes harder and harder to come by. The average driver in Texas spends over $1,900 per year for their car insurance, a much higher figure than the national average of $1,449 per year.
Many factors contribute to how much your auto insurance premium will end up being. A lot of these are in your control but others follow trends of the state and region you are living in that are not.

 

When you enroll in car insurance in Georgetown, TX, you should receive an appropriate amount of protection from a top-rated carrier without paying an arm and a leg to stay covered. Here at Freedom Insurance Group, we help drivers throughout the Lone Star State find the right policies at the lowest price. Learn more about your options and how to save money more money without sacrificing protection.

Compare Car Insurance Premiums for Auto Insurance in Georgetown, TX

Auto insurance in Georgetown, TX, is determined by a number of factors. Your monthly premium can be affected by the following factors:

Average Monthly Auto Insurance by Age

Age Range

Av. Premium

Under 18

$179

18-24

$103

25-34

$54

35-44

$48

45-54

$46

55-64

$41

65+

$46

Average Monthly Auto Insurance by Vehicle

Vehicle Age

Av. Monthly Premium

Less than 1 Year

$52

2-3 Years

$49

4-5 Years

$47

6-7 Years

$60

8-10 Years

$58

11-14 Years

$62

15 Years or older

$57

Average Monthly Auto Insurance by Carrier

Rank

Company

Av. Monthly Rate

1

Allstate

$87

2

Progressive

$89

3

Kemper

$95

4

Safeco

$97

5

Travelers

$103

6

Bristol West

$141

7

Infinity

$149

8

Gainsco

$155

9

Others

$162+

Average Monthly Auto Insurance by Housing Status

Housing Status

Av. Monthly Premium

Own

$54

Rent

$57

Live with parents

$80

Average Monthly Auto Insurance by Relationship Status

Relationship

Av. Monthly Premium

Single (never married)

$64

Married

$48

Divorced

$49

Widowed

$43

Average Monthly Auto Insurance by Driving Record

Infractions

Av. Monthly Premium

1 accident

$69

Multiple accidents

$87

1 Ticket

$111

Multiple tickets

$140

Is the Cost of Auto Insurance in Georgetown, TX Rising?

Yes, the cost of auto insurance in Georgetown, TX, is rising for drivers based on a variety of risks and trends seen statewide and economically. Keep in mind, your personal factors can also raise your rates. Here are common variables auto insurance companies are looking at when deciding your monthly premium:

Population Density

Georgetown, TX, continues to grow rapidly in a state that has urban areas outpace population growth than the rest of the U.S. at figures registering growth at 84% and 80%, respectively. But growth means more people and more people means more vehicles, which also increases the chance of a car accident.

 

An increase in vehicles and population also means that the chances for vandalism and grand theft auto are also higher. This causes auto insurance companies to raise their rates throughout Texas. The Lone Star State is home to over 65,000 stolen vehicles annually.

Faster Speed Limits in Texas

Cheap auto insurance is difficult for all Texans in part because of the speed limits found in the Lone Star State. We have the fastest speed limit in the nation (85 MPH) and the highest average speed limit (75 MPH) as well.

 

Combined, these factors mean that we are more at risk for a severe accident with even the possibility of a fatality, thus, raising rates with car insurance companies. A trip on I-35 will confirm these trends, but they also show up each month with higher bills for drivers.

Too Many Uninsured Motorists

Texas has a higher rate of motorists without liability insurance than the national average, at 15%. It is more expensive for Texas drivers to insure themselves as a result of an increased risk of accidents caused by uninsured motorists.

Longer Commutes in Texas

The average commute in Georgetown, TX, is larger than the national average sitting just under 28 minutes. Because of this, drivers will not only find themselves stuck on the road more, but also pay higher premiums.

 

If you are on the road longer and surrounded by more vehicles, it’s more likely that you can have an automobile accident. These trends will raise your rates because the risk of an accident is higher.

Natural Disasters in Georgetown, TX

Living in Flash Flood Alley doesn’t do anything to help the auto insurance rates of drivers in Georgetown, Texas. The truth is, Texas has a variety of natural disasters no matter the region, and together, they create higher premiums for drivers. An increase in risk means higher costs and flash floods among other events such as hail and tornadoes are consistent threats for residents.

Personal Factors for Drivers

Auto insurance rates are determined by a number of factors, including your age, where you live, your driving record, and what kind of vehicle you own. An increase in risk due to these factors will result in higher insurance premiums.

 

Adding to the complexity, each carrier's premium determination method when evaluating the many factors involved varies among brands. You can receive different quotes for the same coverage from different insurance companies in Georgetown, TX.

georgetown tx auto 1

Best Car Insurance Discounts for Georgetown, TX

One way to save on your car insurance is by taking advantage of discounts. Auto insurance premiums can be discounted in a variety of ways for drivers. There is something for nearly everyone, even if not everything applies. There are many car insurance companies in Georgetown, TX, that offer discounts for drivers with a wide range of needs. Learn more and find the best car insurance discounts to maximize your savings.

Bundling Discount

By bundling your auto insurance policy with your home insurance policy, you can save more. Households with multiple vehicles may also qualify for multi-policy discounts. When drivers in Georgetown, Texas, combine bundle insurance policies with Progressive car insurance, they save an average of 12% and 5% through multi-policy discounts.

 

  • Potential Savings: 1% – 17%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Discounts Based on Your Billing

Drivers can lower your bill by using online billing or automatic billing. Prepaying your premium upfront also saves you money, as monthly premiums are more expensive. A wide range of Texas insurers offers these discounts, including Allstate in Georgetown, TX.

 

  • Potential Savings: 2% – 25%
  • Major insurers offering this discount: Progressive, Safeco, Allstate, and Travelers.

New Customer Discount

When switching your auto insurance carrier, you can save a ton of money by being a new customer, and the sooner you do it, the more you'll save. Thus, it is imperative to get auto insurance quotes as quickly as possible. Travelers Insurance offers 10% off to drivers in Georgetown, TX, but other brands may offer even greater savings, depending on your coverage.

 

  • Potential Savings: 5% – 15%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Occupational Discount

The probability of you having an auto accident is statistically lower depending on your occupation. You can receive discounts from your car insurance provider depending on your job, and your premium is likely to be lower due to the fact that you carry less risk. Safeco and Progressive are known in the Lone Star State for such discounts.

 

  • Potential Savings: 10% – 20%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Continuously Insured Discount

The benefits of staying insured include avoiding lapses in coverage and lowering the possibility of getting into an accident without insurance. You may qualify for discounts if you keep your insurance policy active for at least six months without a gap. Companies, like Progressive, offer discounts to drivers who maintain their policies regularly.

 

  • Potential Savings: 5% – 25
  • Major insurers offering this discount: Progressive and Travelers.

Good Student Discount

The good student discount is a great option for younger drivers. Students maintaining a “B” average or higher can enjoy savings on their car insurance in Georgetown, TX. You’ll find that your Progressive quote offers up to 15% off with this discount and is a popular option for the city. Other carriers may even discount your coverage by more.

 

  • Potential Savings: 5% – 20%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Resident Student Discount

It is possible to save as much as 35% on student auto insurance when students attend college over 100 miles from their insured vehicle. A popular car insurance company in Georgetown, Texas that offers this discount is Travelers Insurance.

 

  • Potential Savings: 7% – 35%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Good Driver Discount

You can save more money by being a good driver while also making the road a safer place. If you have no insurance claims or moving violations within a certain timeframe, most car insurance companies will offer you a good driver discount. Some companies, such as Safeco, provide a discount even if you have had a claim or violation. For Safeco, this means within a 5-year timeframe.

 

  • Potential Savings: 10% – 30%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Usage-Based Discount

Technology, such as mobile apps and smartphones, enables auto insurance companies to analyze and track their customers' driving habits. Spending less time driving and taking safe driving precautions can reduce your car insurance costs. For drivers in Georgetown, TX, the following programs are available:

 

  • The telematics program from Allstate, “Drivewise”.
  • Drivers save up to 30% with Safeco’s “Righttrack” program.
  • “Snapshot” by Progressive ($145 in savings on average).
  • “Intellidrive” by Travelers Insurance.

 

  • Potential Savings: Up to 30%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Mature Driver Discount

If you are 55 years old or older, you can receive a discount on your auto insurance. You may, however, have to take a senior driving course before unlocking such savings from your auto insurance carrier.

 

  • Potential Savings: 1% – 15%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
georgetown tx auto 2-2

Cheap Car Insurance for Drivers in Georgetown, TX

In your search for cheap auto insurance in Georgetown, TX, finding the right coverage is important. There are many options available that can meet your needs including comprehensive car insurance, classic car insurance, full coverage car insurance, and more.

 

All drivers need liability coverage to remain legal in Texas, but additional coverages can help you avoid having to pay large sums of money out of your own pockets after an accident.

 

Freedom Insurance Group works with a variety of top-rated auto insurance companies and helps drivers in Georgetown, Texas, find the best coverage at the lowest prices. Learn more about these partnerships and how we shop for you and deliver the best coverage at the lowest rate. Ask an agent today and explore popular coverage options below:

georgetown tx auto 3

From keeping you legal to full coverage and more, whatever level of coverage you need, we’re here to help. Our insurance agents in Georgetown TX, continue to provide quality customer service and the lowest prices on top-rated coverage for drivers. Contact us today to stay protected while saving in the process.

Is College Station Car Insurance Cheaper Than Georgetown, TX?

The price for car insurance in Georgetown, TX, can be cheaper than coverage in College Station. It can also cost much more. The variable that goes into auto insurance premiums is usually the same but the way they are assessed often never is.

 

This means you could be spending more or less depending on the previously discussed factors that go into creating your cost. Additionally, the regional influx of college students in College Station could also result in higher prices for the area because of younger drivers.

 

Overall, the only way to know where your insurance would be cheaper when comparing city to city would be by comparing your coverage on a personal level. No two drivers are the same and combined with the other factors, you’ll likely find a wide range of pricing when looking at the two cities.

Go Compare Car Insurance in Georgetown, Texas

The amount of coverage each driver needs is different but because car insurance companies can provide different rates for the same protection, comparison shopping is a must. This is an important step in finding the cheapest possible coverage for your vehicle.

 

A general rule is that drivers that have more risk are going to pay more for protection and vice versa. But no matter what level of risk you bring to the table, overpaying for coverage should never be an option.

 

Car insurance in Georgetown, TX, can be obtained without breaking the bank if you take the time to shop around and find the right coverage and discounts that meet your protection needs.

Zip Codes in Georgetown, TX Served

  • 78626
  • 78627
  • 78628
  • 78633
  • 78565

 

Not seeing your zip code? Not a problem. Our agents help drivers in all of Texas and can help you find car insurance in Georgetown, TX, no matter what your address.

Find Auto Insurance in Georgetown, TX for Less

Having a large number of insurance companies available in Texas may give you an overwhelming sense while shopping for car insurance. By choosing Freedom Insurance Group, you'll get the right coverage at the lowest price from a carrier you can trust.

 

Since 2005, we have provided auto insurance coverage to drivers in Georgetown, TX, by partnering with more than 25 insurers. We save our clients an average of 40% through our partnerships and comparative shopping.

 

Shop car insurance online and receive free car insurance quotes for Georgetown, TX, with our easy-to-use tool, or contact one of our agents to discover your options for protection and savings.

 

Our team is ready to help you find the right car insurance policy. Save while protecting your vehicle with auto insurance in Georgetown, TX, as well as other affordable insurance products available to Texans:

 

Contact Us

Freedom Insurance Group
3861 Long Prairie Rd Ste 110
Flower Mound, TX 75028
Phone: (972) 798-3769

BUSINESS HOURS

M-F: 8:30 am - 6:00 pm
SAT: 10:00 am- 2:00 pm
SUN: closed

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