Full coverage car insurance in Wichita Falls costs roughly $113 per month. Rates range from $106 to $357, depending on policy details and driver history. The table below outlines average premiums for various driver profiles to help drivers understand potential costs.
Wichita Falls, TX, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Wichita Falls: Key Takeaways
Texas Farm Bureau, GEICO and State Farm are the most affordable car insurance providers in Wichita Falls.
Texas Farm Bureau offers the cheapest rates in the city, with minimum coverage costing $21 per month and full coverage at $53.
The average cost of car insurance is $50 per month for minimum coverage and $113 for full coverage.
Car Insurance Quotes in Wichita Falls, TX
| Young Drivers | $65 | $146 |
| Teens | No Data | $357 |
| Seniors | $50 | $106 |
| Drivers With an Accident | $82 | $178 |
| Drivers With a Speeding Ticket | $59 | $135 |
| Drivers With a DUI | $76 | $163 |
| Bad Credit | $87 | $202 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Wichita Falls vs. State Average
Texas
State Average Full Coverage Rate
$1,695
Wichita Falls, TX
City Average Full Coverage Rate
$1,354Wichita Falls Car Insurance is Cheap:$341 saved
This is 20% less expensive.
What Is the Average Car Insurance Rate in Wichita Falls?
Wichita Falls residents pay about $1,354 yearly for full coverage and $599 for minimum coverage. These rates are lower than Texas' averages of $1,695 and $810, respectively.
| State Average | $810 | $1,695 |
| Wichita Falls Average | $599 | $1,354 |
Cheapest Car Insurance Companies in Wichita Falls
While premiums may rise across Texas, you can still find affordable car insurance in Wichita Falls. Texas Farm Bureau offers the cheapest minimum coverage at just $21 monthly and full coverage at $53.
WHY CAR INSURANCE IN WICHITA FALLS IS CHEAPER
Car insurance in Wichita Falls is affordable due to its smaller population, leading to less traffic and fewer accidents. Lower crime rates, including vehicle theft, reduce insurer risk, and the city's mild weather limits claims from natural disasters. Also, the cost of living is lower, which can influence repair costs and, in turn, insurance premiums.
Cheap Car Insurance in Wichita Falls
Texas Farm Bureau is the cheapest car insurance provider in Wichita Falls, but rates vary by driver. To find the most affordable coverage, get quotes from several companies. The table below shows the lowest rates for different driver profiles.
| Texas Farm Bureau | Minimum Coverage | $21 |
| Texas Farm Bureau | Full Coverage | $53 |
| GEICO | Teens | $166 |
| Texas Farm Bureau | Young Adults | $45 |
| Texas Farm Bureau | Seniors | $31 |
| Texas Farm Bureau | Bad Credit | $81 |
| Texas Farm Bureau | Drivers With a DUI | $71 |
| State Farm | Drivers With an Accident | $60 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $37 |
Car Insurance Rates in Wichita Falls by Company
To find the cheapest car insurance in Wichita Falls, compare rates from different companies. Below are the city's most affordable minimum coverage and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Wichita Falls
Texas Farm Bureau offers the cheapest minimum coverage auto insurance at $21 per month, followed by Mercury at $27. The table below breaks down the most affordable options.
| Texas Farm Bureau | $21 | $29 |
| Mercury | $27 | $23 |
| State Farm | $29 | $21 |
| Progressive | $39 | $11 |
| AAA Texas | $41 | $9 |
| National General | $42 | $7 |
| GEICO | $44 | $6 |
Cheapest Car Insurance Companies for Full Coverage in Wichita Falls
Texas Farm Bureau offers the cheapest full coverage car insurance in Wichita Falls at $53 per month. Below is a list of other providers and their rates.
| Texas Farm Bureau | $53 | $60 |
| State Farm | $68 | $45 |
| GEICO | $86 | $26 |
| Progressive | $91 | $21 |
| AAA Texas | $93 | $20 |
| National General | $103 | $10 |
| Allstate | $106 | $7 |
| Mercury | $108 | $5 |
Car Insurance Companies in Wichita Falls
Texas Farm Bureau offers the lowest rate in Wichita Falls at $443 annually. Chubb is the best affordable option, with a MoneyGeek score of 89 out of 100. Check the table below for more choices.
| Chubb | 89 | $1,029 |
| Foremost | 75 | $1,147 |
| Mercury | 75 | $805 |
| State Farm | 74 | $581 |
| Texas Farm Bureau | 73 | $443 |
| AAA Texas | 72 | $800 |
| GEICO | 63 | $783 |
| Progressive | 63 | $784 |
| Nationwide | 60 | $1,381 |
| Allstate | 60 | $937 |
| National General | 50 | $875 |
| Dairyland | No Data | $2,151 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Wichita Falls by Age
Middle-aged drivers and younger seniors pay the lowest car insurance rates, averaging $1,354 per year for 40-year-olds and $1,277 annually for 65-year-olds. The table below compares average costs for Wichita Falls drivers aged 16 to 65.
| 16 | $2,783 | $-348 |
| 17 | $2,679 | $-244 |
| 18 | $2,340 | $95 |
| 19 | $1,983 | $452 |
| 20 | $2,078 | $357 |
| 21 | $1,531 | $904 |
| 22 | $1,536 | $899 |
| 23 | $1,593 | $842 |
| 24 | $1,493 | $942 |
| 25 | $1,752 | $89 |
| 40 | $1,354 | $487 |
| 65 | $1,277 | $564 |
Cheapest Car Insurance for Teens in Wichita Falls
Nationwide offers the cheapest overall car insurance for teens in Wichita Falls at $124 per month, saving $80 compared to the state average state. The table below highlights other affordable providers for this age group.
| Nationwide | $124 | $80 | $310 |
| State Farm | $126 | $78 | $168 |
| GEICO | $136 | $68 | $166 |
| Foremost | $225 | $-21 | $483 |
| Progressive | $236 | $-32 | $633 |
| Allstate | $376 | $-172 | $379 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Wichita Falls
Texas Farm Bureau offers the lowest minimum coverage rate for young drivers in Wichita Falls at $27 per month and the cheapest full coverage at $64. The table below highlights the cheapest options for various driver profiles.
| Texas Farm Bureau | Minimum Coverage | $27 |
| Texas Farm Bureau | Full Coverage | $64 |
| Texas Farm Bureau | Bad Credit | $100 |
| Texas Farm Bureau | Drivers With a DUI | $89 |
| Texas Farm Bureau | Drivers With an Accident | $74 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $45 |
Cheapest Car Insurance Companies for Young Drivers in Wichita Falls
Texas Farm Bureau offers the most affordable auto insurance for young drivers in Wichita Falls at $45 monthly. The table below shows other companies with competitive rates.
| Texas Farm Bureau | $45 | $60 |
| State Farm | $62 | $44 |
| GEICO | $75 | $31 |
| Progressive | $83 | $23 |
| AAA Texas | $85 | $21 |
| Mercury | $90 | $15 |
| National General | $94 | $11 |
| Allstate | $102 | $4 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Wichita Falls
Texas Farm Bureau offers the cheapest car insurance for seniors in Wichita Falls, but rates vary based on many factors. Below is a table showing the lowest rates for different driver and coverage profiles.
| Texas Farm Bureau | Minimum Coverage | $19 |
| Texas Farm Bureau | Full Coverage | $43 |
| Texas Farm Bureau | Bad Credit | $67 |
| Texas Farm Bureau | Drivers With a DUI | $60 |
| Texas Farm Bureau | Drivers With an Accident | $53 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $31 |
Cheapest Car Insurance for Seniors in Wichita Falls
Texas Farm Bureau offers the cheapest monthly premium for seniors, $31 for minimum and full coverage policies. State Farm follows at $44. The table below shows the top car insurance providers for seniors in Wichita Falls.
| Texas Farm Bureau | $31 | $48 |
| State Farm | $44 | $34 |
| GEICO | $64 | $14 |
| Progressive | $66 | $13 |
| AAA Texas | $66 | $12 |
| Mercury | $68 | $10 |
| Allstate | $75 | $4 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Wichita Falls
In Wichita Falls, high-risk drivers pay less for minimum coverage at $870 and full coverage at $1,904 compared to the state averages of $1,190 and $2,417, respectively. Those with bad credit and DUIs face the highest insurance costs, while accidents and speeding tickets have a smaller impact.
| Wichita Falls Average | $870 | $1,904 |
| State Average | $1,190 | $2,417 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Minor driving incidents in Wichita Falls, like a not-at-fault accident or speeding ticket, affect insurance costs for three to five years. For serious offenses, such as a DUI, insurers may take account for up to 10 years, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Wichita Falls
Mercury offers the cheapest minimum coverage for drivers with a DUI at $444 per year. Texas Farm Bureau provides the most affordable full coverage at $1,152. Check out the table below for more low-cost coverage options.
| Mercury | $37 | $140 |
| Progressive | $42 | $109 |
| Texas Farm Bureau | $46 | $96 |
| National General | $53 | $123 |
| State Farm | $56 | $122 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Wichita Falls
Texas Farm Bureau, State Farm and Mercury offer the cheapest auto insurance after an at-fault accident in Wichita Falls. The table outlines various providers offering affordable coverage.
| Texas Farm Bureau | $36 | $84 |
| State Farm | $37 | $84 |
| Mercury | $54 | $205 |
| Progressive | $57 | $145 |
| GEICO | $58 | $117 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Wichita Falls
Texas Farm Bureau is the cheapest car insurance provider for drivers with speeding tickets in Wichita Falls, offering minimum coverage at $21 and full coverage at $53 monthly. The table below shows how much other providers charge drivers with speeding tickets.
| Texas Farm Bureau | $21 | $53 |
| State Farm | $29 | $68 |
| GEICO | $49 | $100 |
| Progressive | $45 | $119 |
| Mercury | $38 | $151 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Wichita Falls
Mercury offers the most affordable rates for drivers with bad credit in Wichita Falls at $37 per month for minimum coverage. Texas Farm Bureau leads with a $117 monthly rate for full coverage. Check the table below for more options.
| Mercury | $37 | $164 |
| Texas Farm Bureau | $45 | $117 |
| Progressive | $62 | $166 |
| AAA Texas | $63 | $143 |
| National General | $65 | $185 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Wichita Falls, TX
In Texas, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
For example, if an accident causes $40,000 in damage, minimum coverage pays up to $25,000, leaving you to cover the remaining $15,000.
Cheap Car Insurance in Wichita Falls: Bottom Line
Texas Farm Bureau offers Wichita Falls’ cheapest car insurance, with minimum coverage at $21 and full coverage at $53 monthly. Affordable options are available regardless of age or credit. Ensure your policy includes Texas’ required coverage: bodily injury and property damage liability. Compare providers to find a budget-friendly, compliant plan.
Wichita Falls Auto Insurance: FAQ
We answer common questions about finding affordable and best car insurance options in Wichita Falls.
What is the cheapest car insurance company in Wichita Falls, TX?
Texas Farm Bureau offers the cheapest car insurance in Wichita Falls at $21 monthly for minimum coverage, saving an average of $29.
What is the best car insurance company in Wichita Falls, TX?
Chubb is the best car insurance provider in Wichita Falls, Texas, with a MoneyGeek score of 89 out of 100. Minimum coverage costs around $1,029 annually.
How much does car insurance cost on average in Wichita Falls, TX?
The average monthly cost of minimum car insurance in Wichita Falls ranges from $50 to $87.
Best Cheap Car Insurance in Wichita Falls: Our Methodology
MoneyGeek analyzed Wichita Falls auto insurance prices using the Texas Department of Insurance and Quadrant Information Services data.
Wichita Falls Driver Profile
To assess the best and most affordable auto insurance options for Wichita Falls residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Wichita Falls
In assessing the car insurance quotes for Wichita Falls, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Texas' minimum coverage requirements:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Wichita Falls
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Wichita Falls for the average driver of various ages, who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details on our analysis, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.