Auto insurance rates in Cross Roads, Texas, vary based on factors like age, driving record, vehicle, and coverage type. As a small town in Denton County, local rates are similar to nearby areas like Denton or Flower Mound. Always compare quotes from multiple carriers for the best deal. Averages below are estimates for full coverage (2025 data); actual costs may differ.
Average Monthly Rates by Marital Status (Statewide)
Status
Avg. Premium
Single
$186
Married
$175
Divorced
$242
Widowed
$232

Average Monthly Rates by Driving Record (Statewide)

Infractions
Avg. Premium
Clean
$180
1 Speeding Ticket
$236
1 Accident
$246
DUI
$282
High Risk (Multiple)
$202

See How Much Home Insurance Costs in Cross Roads Texas HERE

Freedom Insurance Group partners with top-rated insurance companies to provide the best protection for your home, auto, and other needs. Texans are diverse and as a driver, your needs are also diverse. It only makes sense to work with a variety of providers who can meet the needs of each motorist in different ways. By doing so, we can compare your rate and look for the best possible coverage, discounts, and bundling options.

Why is Cross Roads Texas Auto Insurance So Costly?

If you observe that your auto insurance rates are progressively rising, you are not the only one. Generally, car insurance rates have amplified for everyone in the past few years. An analysis reveals the following things might be contributing towards it:

  • Population density: After California, Texas is the second most populated state in the United States. So, majority of the people are residing in metropolitan areas that are fairly close to each other. The urban public in the United States accounts to be 80% of the population, while in Texas it is 84%. In general, metropolitan regions tend to pay more than rural areas for the car insurance. The reason is that there is greater driving risk in larger cities due to congested traffic, high risk of robbery and vandalism.
  • More accidents: As metropolitans have a higher population, it implies more road traffic. In 2017, Texas recorded the greatest number of fatal accidents compared to other states. More accidents result in more claims, so insurance companies must account for these risks.
  • High speed limits: Texas is known to have the fastest highway in the nation with an 85 MPH speed limit. Besides, it also has the hastiest average allowable speed of 75 MPH. Hence, it helped relieve traffic congestion between Austin and San Antonio. As the speed limits are high, the probability of accidents is also greater, that leads to greater liability payments from insurance companies.
  • Uninsured drivers: The number of uninsured motorists in Texas is somewhat higher than the nationwide average. Almost 15% of the drivers drive without insurance even though it is obligatory in Texas, this impacts insured motorists and their rates as insurance companies face a greater risk of people filing uninsured drivers’ claims.
  • Long travel time: A substantial percentage of Texans drive long distances to their workplaces and spend a lot of time in traffic. In Houston, more than 72% of the people drive to work with an average travel time of 26 minutes.
  • Driving trends: Matched to other states, Texan residents are required to drive more. The drivers in metropolitan and rural regions opt for more car trips and have to drive more miles per capita. The more you drive, the greater insurance premium you have to pay. Greater time spent on roads mean that there is higher opportunity for a car accident.
  • Higher minimum requirements: In Texas, the liability coverage is needed. If you are responsible for an accident, the liability coverage pays for the repairs for your car and other person’s car. Moreover, the medical expenditures are also covered. You must have at least $30,000 coverage for injuries per individual, $60,000 for injuries per accident, and $25,000 of coverage for property damage.
  • Natural disaster: Texas is listed among top states of the US that are susceptible to natural disasters like storms, tornadoes, hurricanes, floods, and wildfires. After the Hurricane Harvey in 2017, auto insurance rates spiked by 8%. While it was also due to the factors mentioned above, the likelihood of natural disaster was also a major contributor.

The factors that each company will assess include, but are not limited to the following:

  • Your age/experience driving.
  • Where you live.
  • Your driving records.
  • Your claims history.
  • The type of vehicle you need to insure.
  • The coverage options you select and your deductible.

Car Insurance Discounts in Texas Explained

Texas drivers can significantly reduce their auto insurance premiums by taking advantage of various discounts offered by insurers. These discounts reward safe driving, loyalty, vehicle features, and more. Availability, eligibility, and savings vary by insurer and individual circumstances, so it’s essential to shop around and confirm with providers. Major insurers in Texas, including Progressive, Allstate, Safeco (a Liberty Mutual company), Travelers, GEICO, State Farm, Farmers, and USAA (for eligible military members and families), offer many of these. Always get quotes to see personalized savings. Below, we break down common discounts, potential savings, and key providers.Customer Loyalty DiscountInsurers reward long-term customers who renew policies without gaps, recognizing their loyalty and lower risk profile. This can apply after several years with the same company.

  • Potential savings: 2% – 15% (higher for multi-year tenure)
  • Major insurers offering this discount: Progressive (multi-year discount for continuous coverage), Travelers (continuous insurance for loyal customers), Safeco (loyalty program with accident-free rewards up to 5+ years), Liberty Mutual (similar to Safeco), State Farm (good driving for ongoing safe records).

Customer Retention Discount

To encourage you to stay, insurers may offer incentives before your policy expires, such as matching competitor quotes or renewal bonuses.
  • Potential savings: Up to 10%
  • Major insurers offering this discount: Progressive (renewal incentives), Allstate (loyalty-based adjustments), Safeco (violation-free for retention), Travelers (early quote for renewals), GEICO (early shopper for staying ahead of expiration).

New Customer Discount

Switching insurers often comes with introductory offers, especially if you quote early or buy online. In Texas, this can stack with other discounts for new policyholders.

  • Potential savings: 5% – 15%
  • Major insurers offering this discount: Progressive (online quote and sign-online discounts), Allstate (new customer bundling), Safeco (initial enrollment perks), Travelers (early quote for new switches, up to 10% if quoted in advance), GEICO (internet quote and early shopper), State Farm (initial safe driving setup).

Continuously Insured Discount

Proving no lapses in coverage (typically 6 months or more) demonstrates responsibility, leading to lower rates. This is common for drivers maintaining steady insurance history.

  • Potential savings: 5% – 25%
  • Major insurers offering this discount: Progressive (continuous coverage), Travelers (no-gap discount), Safeco (loyalty tied to continuous safe records), Allstate (responsible payer for ongoing coverage), GEICO (clean record includes continuity), USAA (safe driver incorporates history).

Billing Discount

Opting for paperless billing, automatic payments, online payments, or paying in full upfront reduces administrative costs for insurers, passing savings to you. All Texas auto insurers offer some version.

  • Potential savings: 2% – 25% (e.g., 5-10% for autopay, up to 15% for pay-in-full)
  • Major insurers offering this discount: Progressive (automatic payment and pay-in-full), Allstate (automatic deductions), Safeco (paperless and autopay), Travelers (EFT and pay-in-full), GEICO (auto pay, paperless, paid in full), State Farm (multiple line includes billing ease), Farmers (autopay savings), USAA (automatic payments).

Bundled Policies Discount

Insuring multiple vehicles or combining auto with home, renters, or other policies (multi-policy bundling) yields big savings due to consolidated risk.

  • Potential savings: 10% – 25% (e.g., 12% average at Progressive for multi-vehicle, up to 25% at GEICO)
  • Major insurers offering this discount: Progressive (12% multi-vehicle, 5% multi-policy), Allstate (bundling discounts), Safeco (multi-policy), Travelers (multi-policy and multi-car), GEICO (up to 25% multi-vehicle, varies for multi-policy), State Farm (multiple automobiles and multiple line), Farmers (bundling averages $440 savings), USAA (multi-vehicle bundling), Liberty Mutual (bundling up to 23% for home/auto).

Good Student Discount

Full-time students (high school or college) with a “B” average or higher qualify, as good grades correlate with responsible behavior.

  • Potential savings: 5% – 25% (e.g., 15% at Progressive and GEICO, up to 25% at State Farm)
  • Major insurers offering this discount: Progressive (up to 15%), Allstate (good student), Safeco (student discounts), Travelers ( “B” average or better), GEICO (up to 15%), State Farm (up to 25%), Farmers (good student), USAA (good student for teens).

Resident Student Discount

If a student attends school 100+ miles away without vehicle access, premiums drop since the car isn’t driven regularly.

  • Potential savings: 7% – 35%
  • Major insurers offering this discount: Progressive (distant student), Allstate (student away), Safeco (similar via safe driving), Travelers (up to 7% for long-distance students), GEICO (student away at school), State Farm (Steer Clear includes away students), Farmers (resident student), USAA (student away).

Good Driver Discount

A clean record (no accidents, violations, or claims) for 3-5 years qualifies you as low-risk.

  • Potential savings: 10% – 30% (e.g., 22% at GEICO for one year accident-free)
  • Major insurers offering this discount: Progressive (good driver), Allstate (safe driver), Safeco (accident-free and violation-free), Travelers (safe driver, 3-5 years clean), GEICO (clean driving up to 22%), State Farm (good driving), Farmers (safe driver), USAA (good driver, up to 30%).

Driver Education Discount

Completing an approved defensive driving or safe driver course can lower rates, though it’s less common and sometimes limited in Texas (not mandated for all, but useful for ticket dismissal).

  • Potential savings: 2% – 10% (phased out by some, but still available)
  • Major insurers offering this discount: Progressive (driver training), Allstate (defensive driving), Safeco (accident prevention course), Travelers (driver training), GEICO (defensive driving and driver training), State Farm (Steer Clear program), Farmers (defensive driving).

Usage-Based Discount

Telematics programs track driving habits via app or device for personalized savings based on safe behaviors like smooth braking and low mileage.

  • Potential savings: Up to 30% (e.g., $145 average at Progressive Snapshot)
  • Major insurers offering this discount: Progressive (Snapshot), Allstate (Drivewise), Safeco (RightTrack, up to 30%), Travelers (IntelliDrive), GEICO (DriveEasy, 5-15%), State Farm (Drive Safe & Save, up to 30%), Farmers (Signal app), USAA (SafePilot, up to 30%), Liberty Mutual (RightTrack, up to 30%).

Mature Driver Discount

Drivers 55+ who complete a senior defensive driving course may qualify. Texas doesn’t mandate this, but many insurers offer it voluntarily.

  • Potential savings: 1% – 15%
  • Major insurers offering this discount: Progressive (mature driver course), Allstate (senior discounts), Safeco (safe driver includes seniors), Travelers (driver training for matures), GEICO (defensive driving for older drivers), State Farm (defensive options), Farmers (mature driver).

Occupational Discount

Certain low-risk professions (e.g., teachers, engineers) get reduced rates. Availability is limited in Texas.

  • Potential savings: 5% – 20%
  • Major insurers offering this discount: Progressive (occupational), Safeco (professional discounts), Liberty Mutual (teacher/educator via Horace Mann tie-ins), GEICO (federal employee up to 12%), Farmers (affinity groups).

Organizational Discount

Affiliations with groups like alumni associations, credit unions, or AAA can unlock partner discounts. Not all insurers emphasize this in Texas.

  • Potential savings: 2% – 20%
  • Major insurers offering this discount: GEICO (membership & employee, up to varies for 500+ groups), Farmers (group discounts via unions or bar associations), USAA (military affiliations), Liberty Mutual (affinity groups).

What are the types of auto insurance coverages?

So, when you talk about auto insurance coverages, there are eight basic types to choose from:

  1. Liability Coverage

This coverage pays for the damage caused to another person’s car or property. It also includes drivers’ and passenger’s medical charges and other expenses. According to the law in Texas you need to have at least $30,000 coverage for damage per person, up to $60,000 for every encounter, and $25,000 compensation for property damage.

  1. Collision Coverage

Collision coverage is required to repair or replace your vehicle after an accident.

  1. Comprehensive Coverage

Comprehensive coverage compensates you when your vehicle is damaged by other events besides a car accident. For example, this type of coverage could cover hail damage from a storm, theft, a break-in, among other things.

  1. Medical Payment Coverage

Medical payment covers you or your passengers’ medical expenses in case you are injured in a car accident, whether you caused it or not.

  1. Personal Injury Protection (PIP)

Like the medical payment coverage, personal injury protection covers for your and other passengers’ medical expenses. Furthermore, it provides compensation for lost wages or other non-medical expenses.

  1. Uninsured Motorist Coverage

This coverage will protect you in case you have an accident with a driver without insurance or who does not carry enough liability to compensate for your medical expenses and vehicle repairs This type of coverage will also be helpful in a hit-and-run situation.

  1. Towing and Labor Coverage

This is an optional coverage you can add to your policy. It will cover for the costs of your car being towed if it cannot be driven. It also pays for the expenses required to replace a punctured tire, deliver gas/oil, or kick-start your car battery.

  1. Rental Reimbursement Coverage

This coverage compensates for the price of renting a car if yours is under repair after an accident. Some companies will also reimburse expenses for taxi services.

Am I covered if I am driving a borrowed car?

If you are involved in an accident while driving a borrowed car, the car owner’s insurance policy would cover for the damage or expenses. However, if the owner does not possess insurance or does not have enough funds to pay for the damages, your policy might cover for it.

If you don’t possess a vehicle and borrow one for driving, a non-owner liability policy is the best option for you. It will cover you for any injuries and/or damages you cause to other individuals while driving the borrowed car. So, whether you borrow the car from the repair shop, the liability insurance will cover for the car damages and even pay for the medical expenses of people hit in the accident.

Can insurance companies deny coverage or claims?

There are some reasons why an insurance company can deny coverage or reject renewing your existing policy. Some reasons are:

  • Non-payment of premiums
  • You committed fraud or provided false information during the application process.
  • You did not provide required documentation on time.
  • You are listed as an excluded driver.
  • You have made a fraudulent claim.

Zip Codes in Cross Roads, TX That We Insure

76227

Freedom Insurance Group is Proud to Serve Cross Roads, Texas

Knowing you’re protected with the right coverages can bring you peace of mind. Finding the right coverages for the lowest price will deliver the protection you deserve while keeping money in your pocket. Freedom Insurance Group understands and helps find car owners throughout Cross Roads, Texas, the right coverage options for your needs at the lowest cost possible.

We get to know our clients to better understand their needs. Each vehicle owners’ needs are different and by creating a custom approach to your insurance needs we can prevent gaps in your coverage while saving you the most amount of money.

Our agents work for you by comparing your coverage needs among more than 25 top-rated insurance companies with strong financial ratings and a range of coverage options. By comparing your coverage among multiple brands, we can build a custom coverage option for you and your auto insurance that doesn’t break the bank. Contact us today or get a free car insurance quote with only a few clicks of a button.

Freedom Insurance specializes in the following Texas Insurance Services: