Car insurance in Bishop for an adult with a clean driving record and good insurance score costs $1,743 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Bishop by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Bishop.

Key Highlights
  • Car insurance in Bishop is cheaper than car insurance in Texas for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Bishop is $1,743 per year or $145 per month.
  • In Bishop, Geico offers the cheapest full coverage car insurance at $99 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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What is the average cost of car insurance in Bishop, TX?

The average auto insurance rates in Bishop, TX at various coverage levels are listed below:

  • State minimum: $545 per year
  • Liability-only coverage (50/100/50): $691 per year
  • Full coverage (100/300/100): $1,743 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Geico$432$544$1,192
State Farm$410$529$1,192
Nationwide$690$771$1,366
Auto Club Enterprises (AAA)$551$720$1,471
Progressive$585$729$1,527
USAA$390$469$1,535
Mercury Insurance$529$675$1,708
Farmers$747$1,054$2,449
Allstate$573$731$3,250

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Bishop, TX?

Out of all the carriers available in Bishop, Geico offers the cheapest full coverage car insurance at $99 per month.

The second-cheapest car insurance company in Bishop is State Farm, offering car insurance at $99 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Geico$99
State Farm$99
Nationwide$114
Auto Club Enterprises (AAA)$123
Progressive$127
USAA$128
Mercury Insurance$142
Farmers$204
Allstate$271

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Bishop, TX?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Texas is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Bishop, TX

See the average annual premium for drivers with two speeding tickets on their records in Bishop, TX in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$105
Geico$158
USAA$164
Nationwide$180
Progressive$225
Auto Club Enterprises$227
Mercury$228
Allstate$279
Farmers$344

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Bishop, TX

See the average annual premium for a driver convicted of DUI in Bishop, TX in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
Progressive$159
State Farm$174
Geico$187
Mercury$189
USAA$195
Auto Club Enterprises$213
Farmers$243
Nationwide$245
Allstate$438

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Bishop, TX

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Bishop, TX, by age

Age is a key factor when considering car insurance rates in most cities, including Bishop – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$902
16Auto Club Enterprises (AAA)$803
16Geico$348
16Farmers$1,098
16Mercury Insurance$1,016
16Nationwide$528
16Progressive$721
16State Farm$363
16USAA$335
17Allstate$749
17Auto Club Enterprises (AAA)$458
17Geico$288
17Farmers$778
17Mercury Insurance$894
17Nationwide$525
17Progressive$766
17State Farm$327
17USAA$263
18Allstate$695
18Auto Club Enterprises (AAA)$417
18Geico$251
18Farmers$742
18Mercury Insurance$805
18Nationwide$488
18Progressive$668
18State Farm$294
18USAA$260
19Allstate$647
19Auto Club Enterprises (AAA)$364
19Geico$210
19Farmers$472
19Mercury Insurance$536
19Nationwide$418
19Progressive$354
19State Farm$263
19USAA$233
20Allstate$599
20Auto Club Enterprises (AAA)$324
20Geico$186
20Farmers$450
20Mercury Insurance$459
20Nationwide$341
20Progressive$328
20State Farm$230
20USAA$211
21Allstate$461
21Auto Club Enterprises (AAA)$259
21Geico$154
21Farmers$320
21Mercury Insurance$403
21Nationwide$225
21Progressive$257
21State Farm$193
21USAA$196
22Allstate$434
22Auto Club Enterprises (AAA)$228
22Geico$135
22Farmers$304
22Mercury Insurance$341
22Nationwide$198
22Progressive$217
22State Farm$175
22USAA$184
23Allstate$406
23Auto Club Enterprises (AAA)$206
23Geico$126
23Farmers$292
23Mercury Insurance$258
23Nationwide$185
23Progressive$199
23State Farm$156
23USAA$174
24Allstate$390
24Auto Club Enterprises (AAA)$189
24Geico$119
24Farmers$282
24Mercury Insurance$223
24Nationwide$174
24Progressive$181
24State Farm$143
24USAA$166
25Allstate$307
25Auto Club Enterprises (AAA)$162
25Geico$114
25Farmers$262
25Mercury Insurance$198
25Nationwide$146
25Progressive$152
25State Farm$127
25USAA$160
30Allstate$271
30Auto Club Enterprises (AAA)$126
30Geico$103
30Farmers$223
30Mercury Insurance$174
30Nationwide$118
30Progressive$136
30State Farm$101
30USAA$141
35Allstate$271
35Auto Club Enterprises (AAA)$123
35Geico$100
35Farmers$206
35Mercury Insurance$156
35Nationwide$117
35Progressive$132
35State Farm$99
35USAA$133
40Allstate$271
40Auto Club Enterprises (AAA)$123
40Geico$99
40Farmers$204
40Mercury Insurance$142
40Nationwide$114
40Progressive$127
40State Farm$99
40USAA$128
45Allstate$271
45Auto Club Enterprises (AAA)$122
45Geico$98
45Farmers$202
45Mercury Insurance$143
45Nationwide$112
45Progressive$127
45State Farm$99
45USAA$123
50Allstate$242
50Auto Club Enterprises (AAA)$121
50Geico$96
50Farmers$191
50Mercury Insurance$137
50Nationwide$109
50Progressive$121
50State Farm$96
50USAA$118
55Allstate$236
55Auto Club Enterprises (AAA)$119
55Geico$94
55Farmers$179
55Mercury Insurance$136
55Nationwide$103
55Progressive$119
55State Farm$93
55USAA$116
60Allstate$239
60Auto Club Enterprises (AAA)$115
60Geico$93
60Farmers$178
60Mercury Insurance$134
60Nationwide$100
60Progressive$119
60State Farm$91
60USAA$114
65Allstate$261
65Auto Club Enterprises (AAA)$117
65Geico$94
65Farmers$230
65Mercury Insurance$148
65Nationwide$106
65Progressive$123
65State Farm$91
65USAA$118
70Allstate$261
70Auto Club Enterprises (AAA)$129
70Geico$101
70Farmers$250
70Mercury Insurance$165
70Nationwide$118
70Progressive$134
70State Farm$95
70USAA$127
75Allstate$296
75Auto Club Enterprises (AAA)$143
75Geico$110
75Farmers$282
75Mercury Insurance$204
75Nationwide$133
75Progressive$169
75State Farm$102
75USAA$141

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Bishop, TX, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Nationwide$187
Auto Club Enterprises (AAA)$200
Mercury Insurance$206
State Farm$217
Progressive$236
USAA$238
Farmers$255
Geico$283
Allstate$443

Final thoughts: Car insurance cost in Bishop, TX

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Bishop, TX. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Bishop, Texas.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

John McCormick

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John McCormick

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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.