Groves drivers pay an average of $2,299/year — $528 more than the national average. With 223 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $583/year.
(888) 217-6781Estimated full coverage auto insurance rates for Groves, TX from top carriers. Rates are adjusted for Groves's 223 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $765 | $127/mo |
| GEICO | $871 | $145/mo |
| Progressive | $984 | $164/mo |
| State Farm | $1,075 | $179/mo |
| Allstate | $1,310 | $218/mo |
Estimates based on 2026 rate filings for ZIP 77619. USAA is cheapest at ~$127/mo. Actual rates vary by driver profile and exact Groves location.
These Groves-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Groves, TX. Takes under 2 minutes.
(888) 217-6781Groves is a smaller city in Texas with a population of 17,335. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hurricanes, tornadoes, hail, flooding, extreme heat, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Groves.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Groves can swing your premium by hundreds of dollars. Here's how rates compare across Groves neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 77628 | Groves South Side | $2,130/yr | $178/mo |
| 77624 | Groves North Side | $2,234/yr | $186/mo |
| 77627 | Groves West Side | $2,304/yr | $192/mo |
| 77627 | Groves East Side | $2,325/yr | $194/mo |
| 77619 | Groves Downtown/Central | $2,444/yr | $204/mo |
The cheapest ZIP is 77628 (Groves South Side) at $2,130/yr. The most expensive is 77619 (Groves Downtown/Central) at $2,444/yr — a $314/year difference for the same driver.
Your Groves ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Groves. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,828/yr | $402/mo | +110% vs avg |
| Young Adult (20-25) | $3,219/yr | $268/mo | +40% vs avg |
| Adult (26-35) | $2,299/yr | $192/mo | 0% vs avg |
| Mid-Career (36-50) | $2,023/yr | $169/mo | -12% vs avg |
| Senior (51-65) | $1,908/yr | $159/mo | -17% vs avg |
| 65+ | $2,046/yr | $171/mo | -11% vs avg |
Teens in Groves pay an average of $4,828/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,908/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Groves drivers can save up to $583/year. ZIP 77628 (Groves South Side) has the lowest rates starting at $2,130/yr.
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