Commerce, TX Car Insurance Quotes for 2026

Updated October 24, 2026

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How does Commerce compare to the surrounding area and the rest of Texas? What rates should residents of Commerce expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

How much is car insurance in Commerce?

Area	Average Monthly Car Insurance Premium
Commerce	$65
TX	$65
United States	$80

Based on the chart above, you can see that car insurance rates in Commerce are in line with rates across the rest of Texas.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Commerce is rather affordable. It's about $15 cheaper to insure your vehicle in Commerce compared to the average rate for the U.S. as a whole.

Bear in mind that while these rates represent the expected monthly payments for drivers in Commerce, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Commerce residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

The Cheapest Car Insurance Companies in Commerce, Texas

Check out the table below for the cheapest car insurance companies for the average Commerce driver.

The below rates in Commerce, TX, are estimated rates current as of: Wednesday, October 21 at 7:33 AM PDT.

Company	Average Monthly Premium
State Farm	$51
Progressive	$68
Mile Auto	$70
GEICO	$75
Auto-Owners	$76
Country Financial	$82
State Farm	$82
Mile Auto	$88
USAA	$91
First Acceptance	$92
Progressive	$92
Alinsco	$95
Mercury	$95
The General	$95
USAA	$96
GAINSCO	$98
Lone Star	$99
Commonwealth Casualty	$102
Covercube	$103
Bristol West	$107
Root	$108
AssuranceAmerica	$113
Dairyland	$113
Sun Coast	$114
Mendota	$115
Allstate	$117
Excepsure	$117
Safeco	$118
Direct Auto	$120
Clearcover	$121
Loop	$124
Elephant	$125
Mercury	$125
National General	$128
Root	$135
Bristol West	$137
GEICO	$138
Clearcover	$141
Trexis One	$148
GAINSCO	$150
Allstate	$152
Direct Auto	$152
The General	$152
AssuranceAmerica	$154
Chubb	$155
Insurify Car	$159
Safeco	$165
National General	$171
Trexis One	$171
21st Century	$178
Mendota	$180
Hugo	$181
First Acceptance	$184
Insurify Car	$185
Trexis	$185
Excepsure	$191
Liberty Mutual	$197
Hugo	$264
Liberty Mutual	$295

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Commerce Car Insurance Rates by Age

Age Range	Average Premium
Under 18	Not Enough Data
18-24	$95
25-34	$50
35-44	$48
45-54	$41
55-64	$33
65+	$36

It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Commerce.

Commerce Car Insurance Rates by Gender

Gender	Average
Male	$71
Female	$61

On average, female drivers pay slightly less than male drivers for car insurance. In Commerce, the difference comes out to about $10 a month. As you can see in the chart above, car insurance for women in the area typically costs around $61 each month, while men pay $71 on average.

Commerce Auto Insurance Rates by Driving Record

Infractions	Average Monthly Premium
1 Accident	$113
Multiple Accidents	$76
1 Ticket	$81
Multiple Tickets	Not Enough Data

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Commerce, a driving record with a single accident will usually get you a rate around $113 a month. Similarly, drivers with one ticket will typically pay around $81 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Commerce Insurance Rates by Vehicle

Category	Price
Car	$74
SUV	$59
Truck/Van	$39

Vehicle Age	Average Monthly Premium
Less Than 1 Year	$34
2-3 Years	$46
4-5 Years	$61
6-7 Years	$44
8-10 Years	$74
11-14 Years	$81
15 Years or Older	$54

According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Commerce, with drivers paying around $39 per month to insure their vehicle.

Car owners will see a monthly rate of about $74, while SUV owners usually pay around $59 per month.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Commerce are vehicles eleven-to-fourteen years old.

Commerce Car Insurance Rates by Relationship Status

Relationship	Average Monthly Premium
Single (never married)	$72
Married	$47
Divorced	$59
Widowed	$42

Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

In Commerce, the difference in rates based on relationship status can be as much as $25 a month.

Commerce Car Insurance Rates by Housing Situation

Housing Status	Average Monthly Premium
Own	$67
Rent	$60
Live with parents	$162

One other element taken into consideration is your housing status. Renters can expect to pay around $7 a month less than homeowners in Commerce. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Recent trends in car insurance for Commerce drivers

Category	Price
2017	$88
2018	$101
2019	$53
2020	$41
2021	$61
2022	$77

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

Insurance rates in Commerce have been mixed recently. They increased in 2017, declined in 2019, and rose again in 2021, before finishing at $77 in 2022.

How does Commerce compare to neighboring areas?

Category	Price
DALLAS	$67
FORT WORTH	$60
ARLINGTON	$66
IRVING	$64
GARLAND	$71

Why are car insurance rates in Commerce different from other areas?

Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

Amount of drivers in the community
Prevalence of crime
Community laws
Frequency of car accidents
Availability of off-street parking

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Commerce?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Commerce.

Commerce Auto Insurance FAQs

Why is the cost of car insurance in Commerce different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Commerce?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Commerce?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Commerce or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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