Cheap Auto Insurance in Hurst, TX

Hurst drivers pay an average of $2,363/year — $592 more than the national average. With 522 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $647/year.

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Hurst, TX Auto Insurance Rates by Carrier (2026)

Estimated full coverage auto insurance rates for Hurst, TX from top carriers. Rates are adjusted for Hurst's 522 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:

Insurance Company	6-Month Premium	Monthly Cost
USAA ⭐	$786	$131/mo
GEICO	$896	$149/mo
Progressive	$1,011	$169/mo
State Farm	$1,105	$184/mo
Allstate	$1,346	$224/mo

Estimates based on 2026 rate filings for ZIP 76053. USAA is cheapest at ~$131/mo. Actual rates vary by driver profile and exact Hurst location.

Auto Insurance in Hurst: What Drives Your Rate

Hurst is a smaller city in Texas with a population of 40,413. 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 Hurst.

Key Risk Factors in Hurst

Traffic & Commute: Hurst drivers face an average commute of 22.2 min. Traffic ranks low for the state. Major routes include I-35, I-10, I-45, US-75 — all high-accident corridors that inflate premiums.
Crashes & Fatalities: Hurst sees 522 crashes annually — including 4 fatal crashes. That's significantly within range of what insurers expect for a city of 40K residents.
DUI & Impaired Driving: With 120 DUI arrests per year in Hurst, impaired driving is a major cost factor. A single DUI can increase premiums 60-80% for 3-5 years.
Vehicle Theft: Hurst's vehicle theft rate is 1.9 per 1,000, directly affecting comprehensive insurance costs. Anti-theft devices and secured parking can lower your premium.
Weather Risks: Hurst drivers contend with hurricanes, tornadoes, hail, flooding, extreme heat. Comprehensive coverage is essential here — and these claims push rates up across the board.
Uninsured Drivers: Hurst's 14% uninsured rate is near the Texas state average of 14%, raising UM/UIM costs for insured drivers.

For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.

Auto Insurance Rates by ZIP Code in Hurst, TX

Your specific ZIP code within Hurst can swing your premium by hundreds of dollars. Here's how rates compare across Hurst neighborhoods:

ZIP Code	Neighborhood	Avg. Annual	Monthly
76065	Hurst South Side	$2,177/yr	$181/mo
76054	Hurst North Side	$2,284/yr	$190/mo
76065	Hurst West Side	$2,305/yr	$192/mo
76063	Hurst East Side	$2,425/yr	$202/mo
76053	Hurst Downtown/Central	$2,563/yr	$214/mo

The cheapest ZIP is 76065 (Hurst South Side) at $2,177/yr. The most expensive is 76053 (Hurst Downtown/Central) at $2,563/yr — a $386/year difference for the same driver.

Auto Insurance Rates by Age in Hurst, TX

Age is one of the biggest rating factors in Hurst. Here's how rates differ by age group:

Age Group	Avg. Annual	Monthly	vs. City Avg
Teen (16-19)	$4,962/yr	$414/mo	+110% vs avg
Young Adult (20-25)	$3,308/yr	$276/mo	+40% vs avg
Adult (26-35)	$2,363/yr	$197/mo	0% vs avg
Mid-Career (36-50)	$2,079/yr	$173/mo	-12% vs avg
Senior (51-65)	$1,961/yr	$163/mo	-17% vs avg
65+	$2,103/yr	$175/mo	-11% vs avg

Teens in Hurst pay an average of $4,962/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,961/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.

How to Get the Cheapest Auto Insurance in Hurst

Compare at least 3+ carriers — call (888) 217-6781 and we'll compare 5+ carriers for free. USAA is often cheapest in Hurst at ~$131/mo, but your profile may get a better deal elsewhere.
Check your ZIP carefully — moving from Hurst Downtown/Central (76053) to Hurst South Side (76065) could save $386/year. If you've recently moved within Hurst, update your address immediately.
Combat Hurst's theft rate — with a 1.9 per 1,000 vehicle theft rate, installing anti-theft devices (GPS trackers, steering locks, VIN etching) can earn 5-15% discounts on comprehensive.
Bundle policies — combining auto + home/renters in Hurst can save 10-25%. Ask about multi-car discounts if your household has 2+ vehicles.
Defensive driving in Hurst — with 522 crashes/year, completing a state-approved defensive driving course can lower premiums 5-10% and improve your safety on I-35, I-10, I-45, US-75.
Raise your deductible strategically — going from $500 to $1,000 saves 15-25% on collision/comprehensive. With Hurst's average commute of 22.2 min, weigh the trade-off carefully.
Review every 6 months — Hurst's insurance market shifts regularly. What was cheapest last renewal may not be cheapest now, especially after Texas's latest rate filings.

Texas Auto Insurance Guides

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Hurst, TX Auto Insurance FAQ

How much is car insurance in Hurst, TX?

The average annual auto insurance premium in Hurst is $2,363, which is $592 above the national average. Rates range from $2,177/yr in Hurst South Side (ZIP 76065) to $2,563/yr in Hurst Downtown/Central (ZIP 76053). Your driving record, age, vehicle, and exact ZIP code all affect your rate.

Who has the cheapest auto insurance in Hurst?

USAA typically offers the cheapest full coverage in Hurst at around $131/month. However, with 522 annual crashes and a 14% uninsured driver rate in Hurst, rates vary widely — comparing quotes from multiple companies is essential. Call (888) 217-6781 for a free comparison.

What auto insurance is required in Hurst, TX?

Hurst follows Texas state law requiring minimum liability of 30/60/25. However, with 522 crashes per year and 4 fatal crashes annually in Hurst, experts recommend at least 50/100/50 coverage plus comprehensive and collision to protect against Hurst's risks including hurricanes, tornadoes, hail, flooding, extreme heat.

Can I get a free auto insurance quote for Hurst?

Yes! Call Rate Reduction Insurance at (888) 217-6781 for a free, no-obligation quote. Our licensed agents compare 5+ carriers to find the cheapest rate for your specific Hurst ZIP code — whether you're in Hurst South Side or Hurst Downtown/Central. Most quotes take under 2 minutes.

Why is car insurance so expensive in Hurst?

Hurst has 522 crashes per year, 120 DUI arrests annually, and a vehicle theft rate of 1.9 per 1,000. Combined with Hurst's 22.2 min average commute on highways like I-35, I-10, I-45, US-75, these factors push premiums well above average. Comparing quotes regularly is the best way to save.

What ZIP code has the cheapest car insurance in Hurst?

ZIP code 76065 (Hurst South Side) tends to have the lowest rates in Hurst at around $2,177/year. The most expensive area is Hurst Downtown/Central (ZIP 76053) at $2,563/year — a difference of $386/year for the same driver profile.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Texas Department of Insurance (TDI) — official state insurance regulator for Texas.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Texas DMV — Texas vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

Cheap Auto Insurance in Hurst, TX

Hurst, TX Auto Insurance Rates by Carrier (2026)

Hurst Driving Safety & Insurance Stats

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