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Aly J. Yale is an insurance writer for Compare.com. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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Car insurance costs vary by location. In Galveston, Texas, you can expect to pay an average of $178 per month. Nationally, the monthly average is a bit higher: $151.
Galveston may have lower premiums in part because the city is on an island accessible by just one highway: Interstate 45.[1]
Keep reading to learn more about Galveston car insurance premiums, find the best insurance companies, and see which ones offer the lowest rates in the area.
The average Galveston driver pays a monthly average of around $131 for basic liability insurance or $225 for full coverage.
State Farm is the cheapest car insurance company in Galveston, on average.
Your exact premium will depend on many personal factors.
Where you live plays a big role in what you’ll pay for car insurance. Repair costs, accident risk, theft/vandalism rates, weather, and other threats to your vehicle can vary widely, and they each have varying effects on car insurance rates.[2]
See below for a look at the average car insurance rates in Galveston for various coverages and driver profiles.
Driver/Coverage Type  | Average Monthly Premium |
|---|---|
| All Galveston drivers | $178 |
| State-minimum coverage | $131 |
| Full coverage | $225 |
| Teens | $341 |
| Seniors | $140 |
| Clean driving record | $178 |
| Recent ticket | $244 |
| Recent at-fault accident | $251 |
| DUI conviction | $287 |
| Poor credit | $223 |
The average cost for car insurance in Galveston, Texas, is $178 per month. If you recently received a traffic ticket, you can expect your premium to jump to $244 on average, while an at-fault accident will bump your cost even higher, to an average of $251.
Keep in mind that these are average rates across the board. Your personal car insurance premium will depend on your unique driver profile and could be higher or lower.
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In Texas, as in most U.S. states, you must have a certain amount of car insurance coverage to legally drive on state roads.[3]
Currently, Texas law requires all drivers to have the following:
$30,000 in bodily injury liability per person
$60,000 in bodily injury liability per accident
$25,000 in property damage liability
The state doesn’t require any other types of car insurance, but you can add additional coverages to protect your vehicle.
While the coverage amounts listed above are the minimum the state of Texas requires, most experts recommend buying more coverage to ensure you’re fully protected if you get into an accident.[4] In many cases, lenders and dealerships will require comprehensive and collision coverage — which have an additional cost — if you’ve financed or leased your vehicle.
If you own a golf cart, you must have a golf cart insurance policy to drive on Galveston roads.[5]
While the average monthly rate in Galveston is $178, it’s possible to find lower rates by comparing policies and coverages among insurance companies.
To start your search for the cheapest auto insurance companies, consider the five insurers below. These offer the lowest monthly car insurance premiums in Galveston, Texas, according to Compare.com data.
State Farm offers the lowest car insurance premiums in Galveston, with an average monthly cost of $40. The next most affordable insurer in Galveston is GEICO, at $43 per month.
Other factors affect your insurance rates, which we cover below, but some companies offer discounts or usage-based coverage that can lower your premiums even more.
Using the average premiums above is a good way to start your search for a car insurance company. Remember, though, that your personal rate will depend on many factors, including your age, driving record, ZIP code, credit history, and the type of coverage you need.
The table below shows the cheapest insurer by driver profile and coverage type, based on research from Compare.com.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $40 |
| Full coverage | State Farm | $73 |
| Teens | State Farm | $75 |
| Seniors | State Farm | $30 |
| Drivers with a speeding ticket | State Farm | $51 |
| Drivers with an at-fault accident | State Farm | $53 |
| Drivers with a DUI | State Farm | $65 |
| Drivers with excellent credit | State Farm | $35 |
| Drivers with poor credit | GEICO | $51 |
The best way to get an accurate idea of what you’ll pay for car insurance coverage is to get a custom quote from as many companies as possible. You can do this directly by contacting an insurer or logging on to its website, or you can use a comparison website, which allows you to get many insurance quotes at once.
To learn more about the best insurance companies in Galveston — beyond pricing — keep reading.
Compare personalized quotes from Galveston’s top insurers.
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While there might be a company with the lowest average premium, there’s no “best” insurance company across the board. The right insurer depends on your unique needs as a driver, as well as what types of coverages and customer service you’re looking for.
The following companies are three options you might want to consider for car insurance coverage in Galveston. We chose them based on average rates in Galveston, available discounts, availability, and coverages offered.
Low average premiums
24/7 customer service
Many discounts available
Below-average claims satisfaction rating
Few local agents
Gap insurance not available
GEICO offers some of the cheapest car insurance premiums in Galveston, according to our research. Not only can you find affordable coverage from GEICO, but the company also has among the most discounts in the industry.
Check out its safe driving, multi-car, and good student discounts, among others, or opt into its DriveEasy telematics program to save even more.
The company also offers 24/7 customer service online (via chat) or through its mobile app.
Above-average claims satisfaction ratings
Low average premiums
Many discounts available
Limited number of local agents
Gap insurance available only if you finance through State Farm
F rating with the Better Business Bureau (BBB)
State Farm stands out for its low rates and a wide array of discounts. There’s also the Drive Safe & Save telematics program and Steer Clear, which is designed for new drivers younger than 25.
It also ranks above average in the J.D. Power U.S. Auto Claims Satisfaction Study (only five companies rate higher), and its range of coverages is deep. In addition to the standard offerings, State Farm also has rideshare coverage and travel expense coverage if you’re in an accident more than 50 miles from home.
Above-average claims satisfaction
Many discounts available
Many coverage options
Limited number of local agents
Gap coverage available only at the time of financing
Low customer reviews
Allstate also has among the lowest car insurance premiums in Galveston, and its coverage options are plentiful. In addition to standard coverage, the company also offers specialty coverage for electric cars, rideshare drivers, classic cars, and teens.
The insurer is also highly rated in claims satisfaction, according to J.D. Power, and its many available discounts can help reduce policy costs.
For example, Allstate’s Drivewise telematics program can also help you save, as can Milewise, which allows you to pay for your coverage depending on how much you drive. This can be a good option if you work from home or don’t get behind the wheel often.
Compare quotes side-by-side and lock in cheaper rates.
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Aside from shopping around for your next insurance company, taking advantage of discounts is one of the most effective ways to reduce your premiums.
Discounts (and amounts) vary by insurer, but you can often find car insurance discounts for:
Having anti-theft or safety devices on your vehicle
Maintaining a good driving record
Having low annual mileage
Being a good student/getting good grades
Taking a defensive driving course
Being a federal employee
Owning a home
Setting up automatic payments
Choosing paperless billing
Other strategies can help you reduce your car insurance premiums, too. Let’s take a look at some of the best.
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You can reduce your car insurance premiums even further with these money-saving tips:
Request a higher deductible. The higher your deductible, the less your insurer has to pay if you file a claim. The Insurance Information Institute says that raising your deductible from $200 to $500 can save you as much as 15% to 20% on your collision and comprehensive coverage.[6] Just make sure you can afford the extra expense if you need to file a claim.
Improve your credit score. Many insurance companies use credit history to help assess risk and price policies. Improving your credit score could help reduce your premium in the long run.
Bundle your insurance policies. You may also be able to get a discount by bundling multiple insurance policies with the same insurer. Combining your car and home insurance, for example, could save you money.
Shop around. When it’s time to renew your policy, look at a few different insurers and compare quotes and coverages.
Compare personalized quotes and get cheaper rates in minutes.
If you still have questions about auto insurance in Galveston, this additional information below may help as you research your coverage options.
State Farm is the cheapest auto insurance company in Galveston, Texas. Its average monthly premium is $40.
The average car insurance premium in Galveston, Texas, is $178 per month. For liability only, the average is $40 per month, and for full coverage, the average monthly premium is $73.
State Farm is the cheapest car insurance company in Texas, according to Compare.com data. The average monthly premium with State Farm is $40.
Yes. GEICO offers cheap car insurance rates in Texas. The company’s average full-coverage premium in the Lone Star State is $79 per month, according to our data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Aly J. Yale is an insurance writer for Compare.com. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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