Highland Village drivers pay an average of $2,227/year — $456 more than the national average. With 197 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $511/year.
(888) 217-6781Estimated full coverage auto insurance rates for Highland Village, TX from top carriers. Rates are adjusted for Highland Village's 197 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $741 | $123/mo |
| GEICO | $844 | $141/mo |
| Progressive | $953 | $159/mo |
| State Farm | $1,041 | $173/mo |
| Allstate | $1,269 | $211/mo |
Estimates based on 2026 rate filings for ZIP 75077. USAA is cheapest at ~$123/mo. Actual rates vary by driver profile and exact Highland Village location.
These Highland Village-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Highland Village, TX. Takes under 2 minutes.
(888) 217-6781Highland Village is a smaller city in Texas with a population of 15,899. 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 Highland Village.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Highland Village can swing your premium by hundreds of dollars. Here's how rates compare across Highland Village neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 75080 | Highland Village South Side | $2,087/yr | $174/mo |
| 75081 | Highland Village North Side | $2,119/yr | $177/mo |
| 75085 | Highland Village West Side | $2,218/yr | $185/mo |
| 75087 | Highland Village East Side | $2,301/yr | $192/mo |
| 75077 | Highland Village Downtown/Central | $2,402/yr | $200/mo |
The cheapest ZIP is 75080 (Highland Village South Side) at $2,087/yr. The most expensive is 75077 (Highland Village Downtown/Central) at $2,402/yr — a $315/year difference for the same driver.
Your Highland Village ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Highland Village. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,677/yr | $390/mo | +110% vs avg |
| Young Adult (20-25) | $3,118/yr | $260/mo | +40% vs avg |
| Adult (26-35) | $2,227/yr | $186/mo | 0% vs avg |
| Mid-Career (36-50) | $1,960/yr | $163/mo | -12% vs avg |
| Senior (51-65) | $1,848/yr | $154/mo | -17% vs avg |
| 65+ | $1,982/yr | $165/mo | -11% vs avg |
Teens in Highland Village pay an average of $4,677/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,848/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.
Highland Village drivers can save up to $511/year. ZIP 75080 (Highland Village South Side) has the lowest rates starting at $2,087/yr.
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