Freedom Insurance Group serves Mansfield, TX with side-by-side auto quotes from 25+ companies.
Getting to know Mansfield
Mansfield is home to about 64,274 residents in Tarrant County, in the Dallas–Fort Worth metroplex.
Mansfield is located in the Dallas–Fort Worth metroplex, and there day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of Dallas–Fort Worth metroplex; replacement cost, roof age, and construction type still drive most premium differences block by block.
North Texas ratings often reflect severe thunderstorms, hail, and tornado risk seen across the Plains.
Mansfield, Texas: average car insurance rates
A quick caution: these are illustrative estimates and averages, not guaranteed quotes. Your own quote will hinge on who drives and what they drive, the ZIP code, chosen limits and deductibles, credit where the state allows it, and your claims history.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,038.06 |
| 20s | $115.10 |
| 30s | $110.01 |
| 40s | $128.91 |
| 50s | $118.69 |
| 60s | $100.38 |
| 70+ | $107.27 |
Cheapest car insurers for Mansfield, TX drivers
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Progressive | $137.56 |
| 2 | Root | $143.81 |
| 3 | Travelers | $144.69 |
| 4 | Safeco | $145.37 |
| 5 | Kemper BVP | $150.95 |
| 6 | GEICO | $154.64 |
| 7 | Allstate | $161.84 |
| 8 | Bristol West | $163.16 |
| 9 | National General NS | $169.18 |
| 10 | GAINSCO | $183.70 |
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Texas | $163.90 |
| Mansfield, Texas | $153.78 |
Check Out Other Rates in Mansfield, TX Nearby Cities:
Auto coverage basics for Mansfield drivers
Protect others you injure, and protect yourself when the at-fault driver is underinsured. The extra cost of higher limits is often worth it.
In severe-weather ZIP codes this is critical: repairs after crashes and after non-crash losses like hail or theft.
Texas sets a legal floor with minimum liability, but it seldom covers a serious injury claim or a newer financed vehicle. Keep the outline below handy as a checklist while you compare quotes for Mansfield.
- Liability: bodily injury & property damage: Coverage that pays other people if you cause the accident. If you own a home with equity, have savings, or drive a long commute through heavy traffic, it pays to consider higher limits.
- Collision: Pays to repair your vehicle after a crash with another car or object, minus your deductible.
- Comprehensive: Covers theft, hail, broken glass, animal strikes, and many non-crash losses, especially relevant where severe weather is common.
- Uninsured / underinsured motorist: Covers you if the at-fault driver has little or no insurance. UM/UIM rules vary by state, so ask before you decline it.
- MedPay / PIP: After an accident, it helps pay medical bills for you and your passengers; the state decides availability and stacking.
- Rental car coverage: Helps pay for a rental while your car is in the shop after a covered claim.
- Roadside assistance: Towing, battery, and lockout help, which can cost less on your auto policy than a separate club membership.
- Umbrella coordination & higher limits: If you carry an umbrella, confirm auto limits meet the carrier’s underlying requirements.
Leased or financed cars in Mansfield almost always must carry collision and comprehensive. Going without collision is something we can model for older, paid-off vehicles once the out-of-pocket risk is clear to you. Hail and glass deductibles merit a closer look in storm-prone ZIP codes.
What driving in Mansfield means for insurance
Mansfield is home to about 64,274 residents in Tarrant County, in the Dallas–Fort Worth metroplex. The population is roughly 64,274. North Texas ratings often reflect severe thunderstorms, hail, and tornado risk seen across the Plains.
Commuters in Mansfield often mix local arterials with highway stretches, so garaging ZIP and annual mileage both show up in underwriting. Local weather — especially hail, high winds, and sudden severe thunderstorms — also shapes comprehensive claims and, over time, the rates carriers file for the surrounding ZIP codes. The car’s construction, the insurance score where allowed, prior claims, and the precise garaging address all move the quote, which is why two Mansfield neighbors with similar vehicles can still pay different premiums.
If you are new to Dallas–Fort Worth metroplex, take a few minutes to confirm how you use the vehicle. Underwriters focus more on who drives and how than small trim differences: teen drivers, rideshare work, and highway-heavy commutes each matter more. The best match comes from honest details: let us know how the car is really driven when you request a quote, and we will match carriers that price that kind of driving well.
Often underestimated in Mansfield: how safety features and ownership length interact with discounts. Continuous coverage, automatic emergency braking, and anti-theft devices carry different weight from one carrier to the next. Rather than typing the same application into ten websites: an independent agent can turn those quirks into a shortlist.
Pull up the declarations pages from your current policy; it is a small step that helps. Listed drivers, limits, and deductibles are the fastest way to build an apples-to-apples comparison for Mansfield. A dramatically cheaper quote deserves a check: were liability limits lowered, did comprehensive disappear, or was someone in the household left off?
How to lower your car insurance rates in Mansfield
A low binder price is not the only goal when you shop. Lasting savings tend to come from stacking multi-policy and multi-car credits before any deductible increase, then a fresh market check each term.
- Compare several carriers every renewal. Appetite shifts after storm seasons and loss trends. Mansfield rankings change: last year’s lowest price may not lead today.
- Bundle only when the math works. Home and auto together can help, but check the total price, not just the auto line in isolation. Start your request at /get-a-quote/auto-quote, noting any renters or homeowners policy you carry now.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,038.06, far above adult buckets near $100. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Weigh telematics carefully. Night driving and hard braking can erase the benefit, although usage-based programs can reward gentle acceleration and low overnight mileage.
- Keep coverage continuous. Skipping a few months rarely pays, because even a short gap often costs more than it saved.
- List the real garaging address. If the car sleeps in Mansfield but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paid-in-full, and affiliation credits. Each credit is small by itself; stacked, they can move a competitive quote.
Last, document improvements. New roof cameras apply to homes, but a clean Motor Vehicle Record, dash cams, and anti-theft devices can still help many auto applications. Have those details ready for your Mansfield quote review so underwriting does not fill in blanks.
Discounts to ask about when you live in Mansfield
- Multi-policy discount — auto plus home or renters coverage.
- Multi-car discount — two or more vehicles with one carrier.
- Claims-free / safe driver — a clean record usually prices better.
- Driver training & good student — useful once teens are rated.
- Telematics & usage-based — optional tracking that rewards careful habits.
- Paid-in-full, autopay, and paperless — small discounts that stack together.
- Anti-theft and safety features — depending on the vehicle and carrier.
Discounts never replace shopping. The same advertised discounts do not stop two carriers from landing fifty dollars apart on the same Mansfield driver.
Households with multiple cars or mixed driving records
Multi-car households in Mansfield should assign drivers thoughtfully. Putting the highest-rated driver on the most expensive car drives a common, self-inflicted spike. We model assignments across carriers because not every company rates household drivers identically.
A recent ticket or minor accident in the household should not be hidden, since underwriting will find it; shop carriers that are more forgiving of that profile instead. This is why independent agencies exist: no single company’s rules box you in.
What usually changes a quote in Mansfield
Carriers weighing applications from Mansfield look past the sticker price of the vehicle. Coverage lapses, prior bodily injury claims, and comprehensive weather losses can outweigh a clean credit file. On the other side, a long run of continuous coverage plus a modest mileage estimate can ease the price even on a relatively new car.
If you work from home some days, ask whether your mileage estimate should change. Many Mansfield households still carry commuting assumptions from a prior job and overpay for miles they no longer drive. The opposite is also true: if you added a longer Dallas–Fort Worth metroplex commute, update the application before a claim creates a mismatch.
What Freedom Insurance Group does for Mansfield drivers
AM Best ratings are never invented here, and we do not pretend every carrier is appointed in every niche. We explain the tradeoffs in plain language, shop the markets we can access, and help you choose limits that fit how you actually drive in Mansfield and the wider Dallas–Fort Worth metroplex area.
Phone (800) 253-1482, or open a free auto quote on the website. Need homeowners coverage too? Begin on the home quote form, and we will look at bundling options without pressure.
Drivers and vehicles, the garaging ZIP, the liability limits you want, and recent claims are what we will discuss. That step is what turns the illustrative averages on this page into a shortlist of bindable options for your household.
Local driving facts for Mansfield
NOAA’s Storm Events Database lists 59 hail reports within about 7 miles of Mansfield from 2016 through 2025. The biggest hail reported was 5 inches near Mansfield in June 2023. That is large enough to break glass and heavily dent a car, a loss handled under comprehensive coverage. There were also 4 flash-flood reports nearby, the latest in May 2024; flood damage to a car is covered under comprehensive, not collision.
Mansfield covers about 37 square miles of land, and 2020–2024 Census estimates count roughly 77,510 residents, or about 2,107 people per square mile. Arlington, about 9 miles north, is the nearest Texas city above 100,000 people. If you drive there often, count those miles in your estimate.
Of the roughly 25,368 occupied households in Mansfield, 29% own at least three vehicles and 46% have exactly two. That makes multi-car discounts and careful driver assignment a big deal for many local families.
Mansfield workers spend about 29 minutes getting to work on an average day, according to 2020–2024 Census survey estimates. Close to 18% of commuters face trips of 45-plus minutes, which adds up in annual mileage. By commute mode, 74% drive alone, 8.7% carpool, and 15% work from home. With that many remote workers, the mileage estimate deserves a fresh look.
Mansfield dates its official start to 1856. Mansfield’s population went from 28,031 at the 2000 Census to 56,368 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 80,803. Growth since 2000 comes to roughly 188%. NOAA Storm Prediction Center records list 23 tornadoes that began within 10 miles of Mansfield from 1950 through 2015, the strongest an EF2 on April 3, 2012.
Shopping around the area? See our car insurance pages for Kennedale (8 mi), Arlington (9 mi), and Cedar Hill (9 mi).
ZIP codes in and near Mansfield that we insure
76063 · 76064 · 76084
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