Crowley households can compare auto coverage without the runaround with Freedom Insurance Group. Request a quote online or call (800) 253-1482.
Average Crowley, Texas car insurance rates
For comparison only: these are illustrative estimates and averages, not guaranteed prices. A real quote reflects who drives and what they drive, where the car is garaged by ZIP, chosen limits and deductibles, credit where allowed, and past claims.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Texas | $163.90 |
| Crowley, Texas | $164.07 |
Cheapest car insurers for Crowley, TX drivers
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | NatGen Premier | $149.93 |
| 2 | Kemper BVP | $150.73 |
| 3 | Safeco | $157.45 |
| 4 | Travelers | $157.98 |
| 5 | Elephant | $160.06 |
| 6 | Allstate | $160.11 |
| 7 | GEICO | $160.94 |
| 8 | Root | $162.88 |
| 9 | Lumen Select | $165.84 |
| 10 | Progressive | $168.27 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,074.20 |
| 20s | $124.88 |
| 30s | $122.88 |
| 40s | $136.16 |
| 50s | $119.49 |
| 60s | $108.82 |
| 70+ | $113.28 |
Check Out Other Rates in Crowley, TX Nearby Cities:
Auto coverage explainers for Crowley drivers
A serious injury claim or a newer financed vehicle rarely fits within minimum liability, even though the minimum meets the legal floor in Texas. When you compare quotes in Crowley, use the outline below as a checklist.
- Bodily injury & property damage liability: Pays for injuries and damage to others when you are at fault. If you own a home with equity, have savings, or drive a long commute through heavy traffic, it pays to consider higher limits.
- Collision: Repairs your vehicle after a crash with another car or object, after the deductible.
- Comprehensive: In storm country this one matters most; it covers theft, hail, glass breakage, animal strikes, and other non-crash damage.
- Uninsured or underinsured motorist: Protection for you if an at-fault driver has no insurance or too little. Check how UM/UIM works in your state before you decline it.
- Medical payments or PIP: Medical bills after an accident are covered for you and your passengers; availability and stacking vary by state.
- Rental reimbursement: When a covered claim puts your car in the shop, it helps pay for a rental.
- Roadside help: Towing, battery, and lockout help, sometimes cheaper on the auto policy than a separate club membership.
- Higher liability limits & umbrella coordination: With an umbrella policy, Check the auto limits against the umbrella’s underlying requirements.
When a Crowley car is leased or financed, collision and comprehensive are almost always required. If your car is older and paid off, we can model dropping collision once you understand the out-of-pocket risk. Hail and glass deductibles are worth a second look in storm-prone ZIP codes.
Crowley driving and insurance context
Crowley has around 14,853 residents and sits in Tarrant County. The resident count is roughly 14,853. North Texas ratings often reflect hail, severe thunderstorms, and tornadoes seen across the Plains.
Annual mileage and garaging ZIP both show up in underwriting since commutes from Crowley often combine arterials and highway. Comprehensive claims, and eventually the rates filed for surrounding ZIP codes, reflect local weather, especially hail, high winds, and sudden severe thunderstorms. That is why two neighbors in Crowley can see different premiums even with similar vehicles: how the car is built, credit-based insurance score where allowed, prior claims, and exact garaging address all move the quote.
Recently moved to the Tarrant County area? Take a few minutes to confirm how you use the vehicle. Carriers care more about driving patterns than a minor trim difference: highway commuting, rideshare activity, and teen drivers each move the price. Describe your real driving when you ask for a quote, and we can match carriers that price that profile well.
Many Crowley drivers also underestimate how safety features and how long you have owned the car interact with discounts. Carriers do not all weight anti-theft devices, automatic emergency braking, or continuous coverage the same way. An independent agent can translate those quirks into a shortlist instead of forcing you to re-key the same application on ten websites.
Have your current declarations pages ready; it is a small step that helps. An apples-to-apples comparison for Crowley 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.
Tips and tricks to lower car insurance rates in Crowley
Shopping well goes beyond the binder price alone. The durable wins usually come from stacking multi-policy and multi-car credits before you raise deductibles, then re-checking the market every policy term.
- Compare at least several carriers each renewal. As storms and loss trends play out, carrier appetite shifts. Last year’s low bid in Crowley may not be cheapest now.
- Bundle only when the math works. A home-and-auto bundle can help, but compare the combined cost, not just the auto line by itself. Begin at /get-a-quote/auto-quote and list any homeowners or renters 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 $1,074.20, far above adult buckets near $109. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Telematics: proceed with care. Night driving and hard braking may cancel any discount, even though usage-based programs favor gentle acceleration and low overnight mileage.
- Do not let coverage lapse. 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 Crowley but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paid-in-full, and affiliation credits. Individually they are small; together they can move a competitive quote.
One more step: 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. So underwriting does not guess, share them at your Crowley quote review.
Discounts Crowley drivers should ask about
- Multi-policy — auto plus home or renters coverage.
- Multi-car discount — more than one vehicle with the same carrier.
- Claims-free / safe driver — a clean record usually prices better.
- Good student & driver training — worth asking about when teens are on the policy.
- Telematics & usage-based — opt-in programs that reward safer driving.
- Paid-in-full, autopay, and paperless — small credits that still stack.
- Anti-theft & safety equipment — depending on the 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 Crowley driver.
Crowley in brief
Crowley has around 14,853 residents and sits in Tarrant County.
Crowley lies within the Tarrant County area, where routine insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Housing here is mostly single-family homes typical of the Tarrant County area; replacement cost, roof age, and construction type, block by block, explain most price differences.
North Texas ratings often reflect hail, severe thunderstorms, and tornadoes seen across the Plains.
Picking deductibles and limits around local weather
Because hail, high winds, and sudden severe thunderstorms show up in regional loss data, comprehensive deductibles deserve a deliberate choice in Crowley. A lower glass deductible can be worth it if you park outside. With reserves in the bank and a paid-off vehicle, a bigger comprehensive deductible can cut the premium.
The state minimum is not the target: liability limits should match your assets and risk tolerance. Minimum limits run out fast by a serious at-fault accident on a busy corridor near Crowley. So you are not buying numbers you do not understand, we talk through scenarios together.
Multi-car households and mixed driving records
For Crowley households with several cars, driver assignment deserves thought. A common self-inflicted premium spike: putting the priciest driver on the priciest car. Because carriers rate household drivers differently, we model the assignments across carriers.
Recent tickets and minor accidents surface in underwriting, so never leave one out; look for markets that are more forgiving of it. One company’s rulebook is exactly what independent agencies help you avoid.
What Freedom Insurance Group does for Crowley drivers
We confirm each carrier’s availability and financial strength for your policy before you buy. Our team shops the markets we can reach, lays out the tradeoffs plainly, and helps you choose limits that fit your real driving in Crowley and around the Tarrant County area.
Prefer the phone? Dial (800) 253-1482, or start a free auto quote here online. We can compare bundle options with no pressure if you also need homeowners coverage; start on the home quote form.
The drivers and the vehicles, where the car is garaged, your desired liability limits, and recent claims are what we will discuss. That discovery, rather than this page’s averages, are what produce a shortlist of real, bindable quotes for your family.
Crowley by the numbers: commuting, vehicles, and weather
By 2020–2024 Census estimates, Crowley packs about 19,532 residents into roughly 7.6 square miles of land, a density of about 2,563 people per square mile. For big-city errands, the nearest Texas city over 100,000 residents is Fort Worth, roughly 14 miles north. Frequent drives to Fort Worth should be counted in your mileage.
Of the roughly 6,269 occupied households in Crowley, 32% own at least three vehicles and 45% 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 Crowley at about 34 minutes. About 27% of commuters travel 45 minutes or more each way, and those long drives show up in rating. Among workers, 71% drive alone, 12% carpool, and 14% work from home. Because so many work from home, it pays to make sure the policy does not assume a daily commute.
The NOAA Storm Events Database records 53 hail reports within about 5 miles of Crowley from 2016 through 2025. The largest stones measured 4 inches near Burleson in June 2023. Hail that size can badly dent body panels and shatter glass, a loss handled under comprehensive coverage. There were also 6 flash-flood reports nearby, the latest in January 2025; only comprehensive coverage pays for a flood-damaged vehicle.
Crowley traces its official start to 1951. The Census Bureau counted 7,467 people in Crowley at the 2000 Census and 12,838 at the 2010 Census; its July 2024 estimate is 20,483. Growth since 2000 comes to roughly 174%. NOAA Storm Prediction Center records list 39 tornadoes that began within 10 miles of Crowley from 1950 through 2015; the most powerful, rated F3, touched down on March 26, 1961.
Comparing nearby rates? Nearby pages: Burleson (5 mi), Everman (6 mi), and Cross Timber (7 mi).
ZIP codes we insure in and around Crowley
76036
Explore more Texas coverage pages
Auto insurance quotes in Crowley, TX
Freedom Insurance Group compares 25+ carriers for Crowley residents. Prefer the phone? Dial (800) 253-1482, or start a free auto quote here online.
Helpful guides
