Auto quotes from 25+ companies, side by side, are how Freedom Insurance Group serves Colleyville, TX.
Getting to know Colleyville
Colleyville has about 25,487 residents, located in Tarrant County.
Colleyville lies within the Tarrant County area, where routine insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Replacement cost, roof age, and construction type explain most of the block-to-block price gaps across the single-family homes typical of the Tarrant County area.
North Texas ratings often reflect severe thunderstorms, hail, and tornado risk seen across the Plains.
Average Colleyville, Texas car insurance rates
Treat these numbers as estimates for comparison; none of them is a guaranteed quote. Actual premiums depend on the drivers, the vehicles, the ZIP code, limits and deductibles, credit (where allowed), and claims history.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,098.70 |
| 20s | $125.23 |
| 30s | $119.10 |
| 40s | $136.53 |
| 50s | $124.30 |
| 60s | $107.33 |
| 70+ | $114.77 |
Lowest-priced car insurance companies in Colleyville, TX
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $138.36 |
| 2 | Kemper BVP | $167.76 |
| 3 | Travelers | $167.99 |
| 4 | Lumen Select | $168.76 |
| 5 | Progressive | $172.94 |
| 6 | Allstate | $173.71 |
| 7 | Root | $175.94 |
| 8 | National General 360 | $176.20 |
| 9 | Safeco | $178.74 |
| 10 | Chubb | $179.42 |
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Texas | $163.90 |
| Colleyville, Texas | $169.09 |
Check Out Other Rates in Colleyville, TX Nearby Cities:
Coverage basics for Colleyville drivers
Protect others you injure and yourself when the at-fault driver is underinsured. The extra cost of higher limits is often worth it.
Repair your car after crashes and non-crash losses like hail or theft, key in severe-weather ZIP codes.
A serious injury claim or a newer financed vehicle usually exceeds state-minimum limits, though those limits satisfy Texas law. Comparing quotes for Colleyville? work through the outline below.
- BI & PD liability: If a crash is your fault, it pays the other side. A long, traffic-heavy commute, savings, or home equity all argue for look at higher limits.
- Collision: After a crash with another car or an object, your car’s repairs are covered, subject to your deductible.
- Comprehensive: Pays for 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. Each state treats UM/UIM differently, so ask how it works before you waive it.
- Medical payments / PIP: Covers medical bills for you and passengers after an accident; whether it is offered and how it stacks depends on the state.
- Rental coverage: When a covered claim puts your car in the shop, this helps cover a rental car.
- Roadside assistance coverage: It is sometimes cheaper on the policy than a separate club membership and covers towing, battery, and lockout help.
- Higher limits and umbrella coordination: If you carry an umbrella, check auto limits meet the carrier’s underlying requirements.
Lenders and lessors will almost always require collision and comprehensive on vehicles in Colleyville. Removing collision can make sense for older, paid-off vehicles after you understand the out-of-pocket risk. Stormy ZIP codes call for a second look at glass and hail deductibles.
Insurance and driving notes for Colleyville
Colleyville has about 25,487 residents, located in Tarrant County. The resident count is roughly 25,487. North Texas ratings often reflect severe thunderstorms, hail, and tornado risk seen across the Plains.
Carriers see a different risk picture in weekend highway miles, longer metro commutes, and short school runs for Colleyville drivers. The rates carriers file for surrounding ZIP codes, and the comprehensive claims behind them, reflect local weather, above all hail, high winds, and sudden severe storms. Construction of the car, credit-based insurance score where allowed, prior claims, and exact garaging address all move the quote, which is why two Colleyville neighbors with similar vehicles may still see different prices.
If you are new to the Tarrant County area, take a few minutes to confirm how you use the vehicle. Underwriters focus more on who drives and how than a minor trim difference: highway commuting, rideshare activity, and teen drivers each change the rating story. Be specific about how the car is used in your quote request, and we can match carriers that price that profile competitively.
A detail many Colleyville drivers miss: how safety features and ownership length interact with discounts. One carrier may reward anti-theft devices or automatic emergency braking heavily while another barely does, and the same goes for continuous coverage. Rather than typing the same application into ten websites: let an independent agent translate those differences into a shortlist.
Another practical detail: keep declarations pages from your current policy handy. An apples-to-apples comparison for Colleyville 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.
How to lower your car insurance rates in Colleyville
The lowest binder price is not the only goal when you shop. Start by setting liability limits correctly, compare collision deductibles second, and re-shop each policy term; that is where durable wins come from.
- Compare at least several carriers each renewal. Appetite shifts after storm seasons and loss trends. Last year’s low bid in Colleyville might not win this year.
- 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 tell us about 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 $1,098.70, far above adult buckets near $107. 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. Usage-based programs can reward gentle acceleration and low overnight mileage, but night driving and hard braking can erase the benefit.
- Avoid coverage gaps. Gaps, even short ones, often costs more than the months you skipped.
- Match garaging to reality. If the car sleeps in Colleyville but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paying in full, and professional affiliations. Combined, these credits can move a competitive quote, even though each is small alone.
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, share them at your Colleyville quote review.
Discounts to ask about when you live in Colleyville
- Multi-policy credit — auto with home or renters.
- Multi-car credit — two or more vehicles with one carrier.
- Safe driver & claims-free — clean histories often earn better rates.
- Good student and driver training — valuable when teens are rated.
- Usage-based / telematics — opt-in programs that reward safer driving.
- Paid-in-full, autopay, and paperless — minor credits that add up.
- Anti-theft and safety features — varies by vehicle and carrier.
Discounts never replace shopping. Similar advertised credits do not stop two carriers from landing fifty dollars apart for one Colleyville driver.
Weather-aware deductibles and limits
A Colleyville comprehensive deductible deserves real thought: regional loss data shows hail, high winds, and sudden severe storms. For cars parked outdoors, it can make sense to lower the glass deductible. 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. Along busy roads near Colleyville, one serious at-fault crash can exceed minimum limits quickly. We will walk through scenarios so you are not buying numbers you do not understand.
Mixed driving records and multi-car households
For Colleyville households with several cars, assign drivers thoughtfully. The most expensive driver on the most expensive car is a common self-inflicted premium spike. Because carriers rate household drivers differently, we model the assignments across carriers.
If someone in the home has a recent ticket or minor accident, do not hide it — underwriting will find it — but do shop markets that are more forgiving for that profile. Independent agencies exist precisely so you are not stuck inside one company’s rules.
Freedom Insurance Group for Colleyville drivers
Carrier ratings and appointments differ by product line, so we confirm which companies can actually quote you. We shop the markets we can access, explain the tradeoffs in plain language, and help you pick limits that fit your real driving in Colleyville and around the Tarrant County area.
Talk to an agent at (800) 253-1482, or request a free auto quote on this site. We will look at bundling options without pressure if you also need homeowners coverage; begin on the home quote form.
Plan to talk through drivers, vehicles, garaging ZIP, desired liability limits, and any recent claims. These page averages become a shortlist of bindable options for your household through that conversation.
What the data says about driving in Colleyville
Across about 9,072 households in Colleyville, 34% keep three or more vehicles and 54% have two. So multi-car credits and driver-to-vehicle assignment are a big deal for many local families.
NOAA storm reports show 64 hail reports within about 5 miles of Colleyville from 2016 through 2025. Peak hail size reached 3 inches near Keller in April 2021. Hail that size can badly dent body panels and shatter glass, a loss handled under comprehensive coverage.
Colleyville workers spend about 24 minutes getting to work on an average day, according to 2020–2024 Census survey estimates. By commute mode, 62% drive alone, 4.4% carpool, and 30% work from home. Given the remote-work share, a stale commute on the policy is a common overcharge.
Colleyville covers about 13 square miles of land, and 2020–2024 Census estimates count roughly 26,012 residents, or about 1,983 people per square mile. The closest Texas city with more than 100,000 residents is Irving, about 11 miles to the east. Regular trips there add miles that belong in your annual estimate.
Colleyville’s population went from 19,636 at the 2000 Census to 22,807 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 26,012. That is growth of roughly 32% since 2000. NOAA Storm Prediction Center records list 32 tornadoes that began within 10 miles of Colleyville from 1950 through 2015; the strongest was an F2 on September 7, 1963.
Comparing nearby rates? Nearby pages: Bedford (3 mi), Hurst (4 mi), and Southlake (4 mi).
ZIP codes we insure in and around Colleyville
76034
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