Carrier rankings, age-based estimates, and coverage tips for Andrews drivers come first; after that, an independent agency can give you a real quote.
Free auto quoteCall (800) 253-1482Average car insurance rates in Andrews, Texas
Comparison only — the figures are averages and estimates for illustration, and none is a guaranteed quote. Actual premiums depend on drivers, vehicles, ZIP, coverage limits, deductibles, credit (where allowed), and claims history.
Car Insurance Rates by Driver’s Age Group in Andrews
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Texas | $163.90 |
| Andrews, Texas | $141.50 |
Cheapest car insurance companies in Andrews, TX
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Progressive | $118.56 |
| 2 | Safeco | $129.37 |
| 3 | Travelers | $133.51 |
| 4 | Elephant | $133.74 |
| 5 | GEICO | $137.29 |
| 6 | National General NS | $139.83 |
| 7 | National General 360 | $143.92 |
| 8 | Lemonade | $150.59 |
| 9 | GAINSCO | $150.70 |
| 10 | Allstate | $154.80 |
Check Out Other Rates in Andrews, TX Nearby Cities:
Tips and tricks to lower car insurance rates in Andrews
Shopping rates is about more than the cheapest binder. Lasting savings tend to come from an accurate garaging address and a correct driver list before you compare, then a fresh market check each term.
- Re-shop several carriers at renewal. Following storm seasons and shifting loss trends, carrier appetite shifts. Andrews rankings change: what led last year may not lead now.
- Let the math decide on bundling. Look at the total for home and auto together, not only the auto line; bundling helps only if the total wins. Start the process at /get-a-quote/auto-quote, and note any renters or homeowners policy you already hold.
- 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 $924.49, far above adult buckets near $95. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Use telematics carefully. Hard stops and night miles may cancel any discount, even though usage-based programs favor gentle acceleration and low overnight mileage.
- Keep coverage continuous. A lapse, even a short one, tends to cost more than the months you skipped.
- List the real garaging address. If the car sleeps in Andrews 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; combined they can move a quote.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. To keep underwriting from guessing, bring those details to your Andrews quote review.
Andrews driving and insurance context
Andrews has about 13,816 residents, located in Andrews County. Population stands near 13,816. In North Texas, homes are often rated for hail, severe thunderstorms, and tornadoes seen across the Plains.
Drivers around Andrews typically see a blend of neighborhood streets and busier connectors; stop-and-go patterns can influence claims frequency more than people expect. Sudden severe thunderstorms, hail, and high winds drive comprehensive claims here, and in time they shape the rates carriers file for nearby 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 Andrews neighbors with similar vehicles may still see different prices.
If you are new to Andrews County region, take a few minutes to confirm how you use the vehicle. Rideshare driving, teen drivers, and long highway commutes each shift the price more than a small trim difference on the same model year. Be specific about how the car is used in your quote request, which lets us match carriers that price that profile well.
Many Andrews drivers also underestimate how vehicle safety features and ownership length interact with discounts. Continuous coverage, automatic emergency braking, and anti-theft devices do not count the same with every carrier. An independent agent can translate those quirks into a shortlist instead of forcing you to re-key the same application on ten websites.
A small but useful step: have the declarations pages from your current policy within reach. A fair Andrews comparison is quickest to build from limits, deductibles, and listed drivers. If a quote looks dramatically cheaper, check whether liability limits dropped, comprehensive disappeared, or a household driver was omitted.
Auto coverage explained for Andrews drivers
Minimum liability satisfies the legal minimum in Texas, but it rarely keeps up with the cost of a serious injury claim or a newer financed vehicle. As you compare Andrews quotes, work through the outline below.
- BI & PD liability: It covers what you owe others after an at-fault crash. Think about higher limits if you have savings or home equity, or a long commute through busier roads.
- Collision: Fixes your car after a crash with another car or object, subject to your deductible.
- Comprehensive: Where severe weather is common, this is the coverage that matters; it covers theft, hail, glass breakage, animal strikes, and many other non-crash losses.
- Uninsured and underinsured motorist: If the other driver carries little or no coverage, it protects you and your passengers. Each state treats UM/UIM differently, so get the details before declining it.
- Medical payments or PIP: Medical bills after an accident are covered for you and your passengers; the state decides availability and stacking.
- Rental reimbursement: Pays toward a rental while your car is in the shop after a covered claim.
- Roadside assistance coverage: Added to the auto policy, it can cost less than a separate club membership and covers towing, battery, and lockout help.
- Liability limits & umbrella coordination: With an umbrella policy, Check the auto limits against the umbrella’s underlying requirements.
For a financed or leased car in Andrews, expect collision and comprehensive to be required. Dropping collision is something we can model on an older, paid-off car once the out-of-pocket risk is clear to you. Where storms are frequent, recheck glass and hail deductibles.
Getting to know Andrews
Andrews has about 13,816 residents, located in Andrews County.
Andrews is part of the Andrews County area, where routine 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 Andrews County region; replacement cost, roof age, and construction type still drive most premium differences block by block.
In North Texas, homes are often rated for hail, severe thunderstorms, and tornadoes seen across the Plains.
Andrews discounts to ask about
- Multi-policy — auto with home or renters.
- Multi-car discount — two or more vehicles with one carrier.
- Safe driver / claims-free — clean histories often earn better rates.
- Driver training & good student — worth asking about when teens are on the policy.
- Usage-based / telematics — optional tracking that rewards careful habits.
- Paperless, autopay, and paid-in-full — small discounts that stack together.
- Anti-theft and safety features — varies by vehicle and carrier.
Discounts are not a substitute for shopping. Two carriers can advertise similar credits and still land fifty dollars apart on the same Andrews driver.
Factors that change a quote in Andrews
Reviewing an application from Andrews, carriers look beyond the vehicle’s sticker price. A clean credit file can lose out to lapses in coverage, comprehensive weather losses, or past bodily injury claims. Even for a relatively new car, long continuous coverage and low estimated annual miles can bring the price down.
Working from home part of the week? Ask whether your mileage estimate should change. Commuting assumptions from a prior job linger on many Andrews policies, leaving households paying for miles they no longer drive. The opposite is also true: if you added a longer Andrews County region commute, update the application before a claim creates a mismatch.
Weather-aware deductibles and limits
A Andrews comprehensive deductible deserves real thought: hail, high winds, and sudden severe thunderstorms appear in regional loss data. For cars parked outdoors, a lower glass deductible may pay off. A higher comprehensive deductible may make sense if you have reserves and want to trim premium on a paid-off vehicle.
Liability limits should reflect assets and risk tolerance, not only the state minimum. A serious at-fault accident on a busy corridor near Andrews can exceed minimum limits quickly. We will walk through scenarios so you are not buying numbers you do not understand.
How Freedom Insurance Group helps Andrews drivers
We do not invent AM Best ratings or 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 Andrews and the wider Andrews County region area.
Phone (800) 253-1482, or open a free auto quote from your browser. If you also need homeowners coverage, you can start on the home quote form and we will review bundling options without pressure.
Our conversation will cover who drives and what you drive, garaging ZIP, the limits you want, and any claims lately. That discovery, not the averages here, are what produce a shortlist of bindable options for your family.
Commutes, cars, and storms in Andrews
Andrews has about 4,996 occupied households; 22% own at least three vehicles and 47% have two. That makes multi-car discounts and careful driver assignment worth checking on most policies.
Census Bureau estimates (ACS 2020–2024) put the average one-way commute from Andrews at about 22 minutes. Roughly 17% of commuters spend 45 minutes or longer getting to work, so annual mileage estimates run high for many households. Of all workers, 88% drive alone and 7.2% carpool.
NOAA’s Storm Events Database lists 16 hail reports within about 5 miles of Andrews from 2016 through 2025. The biggest hail reported was 2.5 inches near Andrews in May 2022. Hail that size can badly dent body panels and shatter glass, a loss handled under comprehensive coverage. There were also 4 flash-flood reports nearby, the latest in September 2024; only comprehensive coverage pays for a flood-damaged vehicle.
Andrews covers about 7.0 square miles of land, and 2020–2024 Census estimates count roughly 13,468 residents, or about 1,938 people per square mile. The closest Texas city with more than 100,000 residents is Odessa, about 33 miles to the south. Regular trips there add miles that belong in your annual estimate.
Andrews traces its official start to 1937. It takes its name from Richard Andrews. Census counts put Andrews at 9,652 residents in 2000 and 11,088 in 2010, and the Census Bureau’s July 2024 estimate is 13,677. That is growth of roughly 42% since 2000. The NOAA Storm Prediction Center database shows 11 tornadoes that began within 10 miles of Andrews from 1950 through 2015; the most powerful, rated F1, touched down on May 7, 1956.
ZIP codes in and near Andrews that we insure
79714
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Auto insurance quotes in Andrews, TX
For Andrews residents, Freedom Insurance Group checks 25+ carriers. Phone (800) 253-1482, or open a free auto quote from your browser.
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