Texarkana drivers pay an average of $2,464/year — $693 more than the national average. With 435 crashes per year and a 2.2 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $748/year.
(888) 217-6781Estimated full coverage auto insurance rates for Texarkana, TX from top carriers. Rates are adjusted for Texarkana's 435 annual crashes, 2.2 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $819 | $137/mo |
| GEICO | $934 | $156/mo |
| Progressive | $1,054 | $176/mo |
| State Farm | $1,152 | $192/mo |
| Allstate | $1,404 | $234/mo |
Estimates based on 2026 rate filings for ZIP 75569. USAA is cheapest at ~$137/mo. Actual rates vary by driver profile and exact Texarkana location.
These Texarkana-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Texarkana, TX. Takes under 2 minutes.
(888) 217-6781Texarkana is a smaller city in Texas with a population of 36,193. 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 Texarkana.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Texarkana can swing your premium by hundreds of dollars. Here's how rates compare across Texarkana neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 75575 | Texarkana South Side | $2,358/yr | $197/mo |
| 75573 | Texarkana North Side | $2,371/yr | $198/mo |
| 75573 | Texarkana West Side | $2,428/yr | $202/mo |
| 75575 | Texarkana East Side | $2,549/yr | $212/mo |
| 75569 | Texarkana Downtown/Central | $2,674/yr | $223/mo |
The cheapest ZIP is 75575 (Texarkana South Side) at $2,358/yr. The most expensive is 75569 (Texarkana Downtown/Central) at $2,674/yr — a $316/year difference for the same driver.
Your Texarkana ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Texarkana. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,174/yr | $431/mo | +110% vs avg |
| Young Adult (20-25) | $3,450/yr | $288/mo | +40% vs avg |
| Adult (26-35) | $2,464/yr | $205/mo | 0% vs avg |
| Mid-Career (36-50) | $2,168/yr | $181/mo | -12% vs avg |
| Senior (51-65) | $2,045/yr | $170/mo | -17% vs avg |
| 65+ | $2,193/yr | $183/mo | -11% vs avg |
Teens in Texarkana pay an average of $5,174/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,045/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.
Texarkana drivers can save up to $748/year. ZIP 75575 (Texarkana South Side) has the lowest rates starting at $2,358/yr.
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