Cheap car insurance in Flower Mound, Texas

Car insurance in Flower Mound, TX costs $2,079 on average, with Farm Bureau Insurance Texas generally offering the cheapest rates. The price you will pay for car insurance in Flower Mound will be different depending on your zip code, the vehicle you drive, and other personal factors like your age and driving record.

Written by Alyssa DiCastro

Reviewed by Rob Deming

Last updated: February 26th, 2024

Compare personalized rates at the top insurance companies in Flower Mound

"*" indicates required fields

Find savings in 30 seconds, no phone number or email required

Auto insurance trends: Flower Mound, TX

Average annual cost of car insurance:

$2,079

Rank among cities for cheap insurance in TX (out of 88):

#18

Most affordable insurance company on average:

Farm Bureau Insurance Texas

Zip code with least expensive insurance:

75028 ($2,067)

On this page:

Top Car Insurance Companies

Minimum Insurance

Full Coverage Insurance

Local Agents

Car Insurance by Factor

How to Save Money

Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy.

Car insurance cost across Flower Mound, TX

Click the pins on the map to see the average annual cost of car insurance in each zip code.

75022#$2,102#33.034890#-97.124906|75028#$2,067#33.032710#-97.060070

Cheap car insurance companies in Flower Mound, TX

Farm Bureau Insurance Texas, Redpoint Insurance Group, and State Farm are among the best and cheapest car insurance companies in Flower Mound, TX. On average, they offer the cheapest rates for full coverage car insurance policies in the city.

However, you may find that another company is better for you based on your profile, vehicle, and coverage needs. It’s important to compare personalized rates at multiple insurers in Flower Mound, TX to find the best coverage and price combination for your specific needs.

Cheapest minimum car insurance in Flower Mound

All states have minimum legal car insurance limits, and Texas is no exception. In general, if you purchase car insurance at the minimum required limits, you will pay significantly less for your car insurance, but you will also have less financial protection in case of an accident.

In Texas, the minimum car insurance limits are as follows:

Bodily Injury Liability – $30,000 limit per person/$60,000 limit per accident.

Property Damage Liability – $25,000 limit.

The above limits do not include comprehensive or collision insurance which provide coverage for your own property in the event of an accident or covered incident. Additionally, if you lease or finance your vehicle, your lender may require more coverage than what’s listed above.

Below, you’ll see the average annual cost of minimum car insurance at the top insurance companies in Flower Mound.

Average Annual Premiums for Minimum Coverage

Company	Avg Annual Premium
Farm Bureau Insurance Texas	359
State Farm	491
Redpoint Insurance Group	512
National General	631
Mercury Insurance	720
Nationwide	755
AAA Auto Club of Southern California	776
Progressive	827
Allstate	984
Chubb	1,243
Germania Insurance	1,288
Foremost	1,509
Dairyland	1,514
Geico	1,519

Annual rates for a 35-year-old male driving a 2023 RAV4, estimated using publicly sourced data from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.

Cheapest full coverage insurance in Flower Mound

Most drivers choose to purchase a full coverage car insurance policy, which generally has higher limits than the minimum requirements and provides coverage for their own property in an accident they cause or a covered incident like theft or weather damage.

We use these limits for a full coverage policy:

$100k/300k/100k for liability insurance
$500 deductible for comprehensive and collision insurance

In the table below, you’ll see the average annual cost of a full coverage car insurance policy at the top insurance companies in Flower Mound.

Average Annual Premiums for Full Coverage

Company	Avg Annual Premium
Farm Bureau Insurance Texas	960
Redpoint Insurance Group	975
State Farm	1,519
Nationwide	1,620
AAA Auto Club of Southern California	1,928
National General	1,983
Progressive	2,057
Mercury Insurance	2,077
Germania Insurance	2,754
Chubb	3,005
Allstate	3,166
Foremost	3,484
Geico	3,587

Annual rates for a 35-year-old male driving a 2023 RAV4, estimated using publicly sourced data from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.

Local car insurance agents in Flower Mound

Choosing to work with a local insurance agent offers a range of benefits for Flower Mound residents:

Local knowledge

Your agent will better understand the unique factors influencing insurance needs in Flower Mound, TX

Personalized experience

Local agents establish strong relationships with their clients which helps them address your specific concerns, and tailor insurance coverage to your unique needs

Peace of mind

In times of need, your local agents will be a familiar face that can guide you through the claims process and provide support

Recommended agents in Flower Mound

agent listings

Other local agents in Flower Mound

agent listings

Factors that impact insurance cost in Flower Mound

Where you live is one of the most significant factors that insurance companies consider when determining your car insurance premium.

Car insurance laws are set at the state-level, and the rating plans insurance companies use to calculate individuals’ rates are approved by the state department of insurance, so the state you live in has a big impact on the price you pay for car insurance.

However, even the city and zip code you live in can make a difference on your premium. The impact your zip code has on car insurance rates is influenced by several factors:

Population

Areas with higher population density often have more traffic, increasing the likelihood of accidents. With a population of 73,920, Flower Mound’s higher population may lead to higher car insurance rates.

Traffic Patterns

Insurance companies analyze the traffic patterns in different zip codes. Areas with heavy traffic and a high frequency of accidents may have higher insurance rates.

Crime Rates

Crime rate – especially rates of auto theft and vandalism – can affect insurance premiums. Higher crime rates may result in higher premiums.

Uninsured Motorist Rates

If there are a high percentage of uninsured drivers, insurance rates may be higher to account for the increased risk. According to III, 8.3% of drivers in Texas are uninsured.

Additionally, the weather and road conditions in Flower Mound and claims history in your specific zip code may impact your rates. It’s important to note that each insurance company may weigh these factors differently when determining rates, and the specific impact of zip code can vary from one company to another.

Take our short quiz to see what factors impact your car insurance premium in Flower Mound, TX

Cheap car insurance by factor

Car insurance in Flower Mound by age

Your age has a significant impact on the price you’ll pay for car insurance. In general, young drivers will pay the most for car insurance until about age 25 when car insurance rates start to level out. From age 25 on, rates tend to decrease each year until the mid-50s when drivers tend to pay the lowest rates. From age 60 on, rates will slowly rise again.

Cheapest car insurance for teens in Flower Mound

Teenage drivers pay the most for car insurance in Flower Mound. Below, you’ll see the average cost of car insurance for a 17-year-old driver on their own policy at the top insurance companies in Flower Mound.

Average Annual Premium for Teen Drivers

Company	Avg Annual Premium
Redpoint Insurance Group	975
Farm Bureau Insurance Texas	2,208
State Farm	5,321
AAA Auto Club of Southern California	7,145
Germania Insurance	7,293
Nationwide	7,433
Chubb	10,585
Dairyland	10,985
National General	11,198
Allstate	11,552
Geico	13,191
Mercury Insurance	15,713
Progressive	16,270

Annual rates for a 17-year-old male driving a 2023 RAV4, estimated using publicly sourced data from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.

Car insurance in Flower Mound by credit score

In most states, car insurance companies can use credit score as a rating factor. In those states, drivers with poor credit scores (580 and below) pay more than those with good credit scores (670-739). Those with excellent credit scores save the most on car insurance.

Poor	Good	Excellent
3,774	2,079	1,668

Car insurance in Flower Mound by marital status

On average, married couples tend to save on car insurance. In Flower Mound, married drivers save -22.20% on car insurance when they combine their policies, compared to what they would spend on two individual policies.

Car insurance in Flower Mound and gender

In most states, car insurance companies can use the sex described on your driver’s license as a rating factor. However, other factors – like your vehicle and driving record – tend to have a bigger impact on the price you pay for car insurance.

Average rates each gender pays for car insurance in Flower Mound:

Male	Female
2,079	2,066

How to save money on car insurance in Flower Mound

Insurance companies use a variety of factors – from the vehicle you drive to your driving record – to determine your insurance premiums. This means that the cheapest company for you might be different than the cheapest company for your friend or neighbor.

The best way to save on car insurance in Flower Mound is to compare quotes from leading insurance companies. Rate Retriever makes it easy for you to compare rates at each of the top companies based on your unique driver profile.

Flower Mound auto insurance shopping made easy

Based on your answers to our short quiz, we’ll estimate how much you’ll pay at each of the top providers near you, so you can find the coverage you need at a price you can afford.

Read our spam-free promise

Quick

See personalized results in 30 seconds

No sign-up required

We don’t require your phone number or email to see your results

Reliable results

Results based on data, not paid sponsors

Texas car insurance laws

What auto insurance laws are in Texas?

The minimum car insurance requirements in Texas are: Bodily Injury Liability – $30,000 limit per person/$60,000 limit per accident. Property Damage Liability – $25,000 limit.

How long do you have to get insurance in Texas?

Typically, you will be granted about 20 days to get car insurance for a new car in TX.

What is the fine for not having car insurance in Texas?

Driving without insurance is a misdemeanor in TX. If you are convicted of driving without insurance, you will be subject to a fine of $175-$350 for the first offense..

Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive.

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2023 RAV4.

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.

Flower Mound zip codes evaluated

When analyzing Flower Mound rates, we used the following zip codes:

75022, 75028

Sources

US Census data

Insurance Information Institute – Uninsured Motorists