Best Graham, TX Car Insurance in 2026
Car insurance in Graham, TX averages $302 a month. Graham, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Graham car insurance rates, compare quotes from the top car insurance companies in Graham, TX.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Professor & Published Author
D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from S...
D. Gilson, PhD
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Updated December 2025
- Average car insurance rates in Graham, TX after a DUI are $4,110/year
- The cheapest car insurance company in Graham for teen drivers is USAA
- Average car insurance rates in Graham, TX are $3,624/year
If you need to buy Graham, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Graham, TX is right here.
You’ll find Graham car insurance rates, the cheapest Graham, TX car insurance companies, and information on Texas car insurance laws. You can also compare Graham, Texas car insurance rates to Corpus Christi car insurance rates, Houston car insurance rates, and Laredo car insurance rates.
Ready to find affordable Graham, TX car insurance today? Enter your ZIP code for fast, free Graham car insurance quotes.
Cheapest Graham, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Graham, TX car insurance rates? Every Graham, Texas car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,192 | $3,227 | $3,150 | $3,150 | $8,480 | $10,264 | $3,968 | $4,150 |
| American Family | $3,425 | $3,732 | $2,880 | $3,237 | $7,010 | $9,297 | $4,543 | $5,144 |
| Geico | $2,249 | $2,414 | $2,149 | $2,411 | $4,817 | $5,042 | $2,431 | $2,444 |
| Nationwide | $2,382 | $2,428 | $2,101 | $2,230 | $6,721 | $8,657 | $2,794 | $3,029 |
| Progressive | $2,225 | $2,138 | $1,974 | $2,016 | $9,068 | $10,121 | $2,652 | $2,716 |
| State Farm | $1,715 | $1,715 | $1,519 | $1,519 | $3,969 | $5,035 | $1,855 | $1,917 |
| USAA | $1,417 | $1,430 | $1,350 | $1,345 | $3,911 | $4,274 | $1,887 | $2,033 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Minimum Car Insurance in Graham, TX
Every driver must carry the minimum car insurance in Graham, TX. Take a look at the Texas car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Graham, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Graham, TX. Compare credit history car insurance rates in Graham from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,275 | $4,616 | $3,952 |
| American Family | $7,023 | $4,136 | $3,566 |
| Geico | $4,612 | $2,619 | $1,753 |
| Nationwide | $4,554 | $3,650 | $3,174 |
| Progressive | $4,643 | $3,998 | $3,700 |
| State Farm | $3,407 | $2,120 | $1,689 |
| USAA | $3,249 | $1,868 | $1,500 |
Cheapest Graham, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Graham, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,853 | $5,902 | $6,183 | $3,853 |
| American Family | $4,520 | $5,634 | $4,958 | $4,520 |
| Geico | $2,545 | $3,336 | $2,819 | $3,277 |
| Nationwide | $3,284 | $3,284 | $4,888 | $3,715 |
| Progressive | $3,594 | $4,613 | $4,195 | $4,052 |
| State Farm | $2,152 | $2,449 | $2,868 | $2,152 |
| USAA | $1,651 | $2,423 | $2,856 | $1,894 |
Cheapest Graham, TX Car Insurance for Teen Drivers
Teen car insurance in Graham, TX can be expensive. Take a look at rates from the top car insurance companies in Graham for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,480 | $10,264 |
| American Family | $7,010 | $9,297 |
| Geico | $4,817 | $5,042 |
| Nationwide | $6,721 | $8,657 |
| Progressive | $9,068 | $10,121 |
| State Farm | $3,969 | $5,035 |
| USAA | $3,911 | $4,274 |
Cheapest Graham, TX Car Insurance for Seniors
Take a look at Graham, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,150 | $3,150 |
| American Family | $2,880 | $3,237 |
| Geico | $2,149 | $2,411 |
| Nationwide | $2,101 | $2,230 |
| Progressive | $1,974 | $2,016 |
| State Farm | $1,519 | $1,519 |
| USAA | $1,350 | $1,345 |
Cheapest Graham, TX Car Insurance Rates After a DUI
A DUI in Graham, TX increases car insurance rates. Compare Graham, Texas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,183 |
| American Family | $4,958 |
| Geico | $2,819 |
| Nationwide | $4,888 |
| Progressive | $4,195 |
| State Farm | $2,868 |
| USAA | $2,856 |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cheapest Graham, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Graham, TX by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,833 | $5,062 |
| American Family | $4,908 | $4,908 |
| Geico | $2,936 | $3,053 |
| Nationwide | $3,793 | $3,793 |
| Progressive | $4,114 | $4,114 |
| State Farm | $2,406 | $2,406 |
| USAA | $2,178 | $2,234 |
The Best Cheap Car Insurance Companies in Graham, TX
Take a look at a side-by-side comparison of the top car insurance companies in Graham, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,948 |
| American Family | $4,908 |
| Geico | $2,994 |
| Nationwide | $3,793 |
| Progressive | $4,114 |
| State Farm | $2,406 |
| USAA | $2,206 |
Category Winners: Cheapest Car Insurance in Graham, Texas
Find the cheapest car insurance companies in Graham, TX for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cheapest Graham, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Graham car insurance rates. Find the cheapest Graham, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,864 | $4,916 | $5,063 |
| American Family | $4,709 | $4,804 | $5,212 |
| Geico | $2,851 | $2,958 | $3,175 |
| Nationwide | $4,105 | $3,629 | $3,645 |
| Progressive | $3,965 | $4,099 | $4,278 |
| State Farm | $2,293 | $2,399 | $2,525 |
| USAA | $2,138 | $2,198 | $2,281 |
What affects car insurance rates in Graham, Texas?
What factors can have an impact on Graham, TX car insurance? There are several reasons why Graham car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Graham, Texas.
Car Theft in Graham
High levels of vehicle theft can make car insurance more expensive. Graham, TX car theft statistics from the FBI indicate 2 vehicle thefts a year.
Commute Time in Graham
The more time you spend in your car the higher the risk of an accident. The average commute length in Graham, TX is 16.9 minutes according to City-Data.
Compare Car Insurance Quotes in Graham, TX
Ready to find affordable Graham, Texas car insurance today? Enter your ZIP code for fast, free Graham, TX car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Graham, TX?
The average monthly rate is $302.
Do I need full coverage insurance if my car is financed?
If your car is financed, full coverage insurance may be required.
How can I find cheap car insurance rates in Graham, TX?
Compare quotes from top insurance companies in Graham, TX to find affordable rates.
What is the minimum car insurance required in Graham, TX?
The minimum requirement is 30/60/25 coverage.
How do age, gender, and marital status affect car insurance rates in Graham, TX?
Younger, male, and unmarried drivers may have higher rates, but it varies by insurance company.
Related Articles
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption