For a 40-year-old driver with a clean record, Galveston car insurance averages about $251 a month ($3,013 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s about the same as the Texas average of $251 a month. State Farm and Auto Club (AAA) have the two lowest full-coverage averages among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $175 and $181 a month.
Galveston costs about $41 a month less than Houston for our benchmark driver and close to the Texas average. State Farm and Auto Club (AAA) have the two lowest averages among insurers anyone can buy from.
All three Galveston ZIP codes we price are within a few dollars of each other, from about $249 a month in 77554 to $254 in 77550.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Galveston ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 12, 2026.
Full coverage in Galveston averages $3,013 a year, or about $251 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $1,143 a year ($95 a month), and 50/100/50 liability with comprehensive and collision averages $2,718 ($227 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $489 a month is 2.4 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Galveston average would be about $204 a month.
State Farm and Auto Club (AAA) have the two lowest full-coverage averages among the insurers in our Galveston rate data that are among insurers anyone can buy from, about $175 and $181 a month. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among these five insurers, at about $64 a month, followed by GEICO and Auto Club (AAA), effectively tied at $79 and $81. USAA comes in even lower, at about $50 a month, but it sells only to military families.
Full-coverage averages by insurer in Galveston
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $769 | $64 | $2,096 | $175 |
| USAA (military families) | $605 | $50 | $2,165 | $180 |
| Auto Club (AAA) | $969 | $81 | $2,171 | $181 |
| GEICO | $942 | $79 | $2,645 | $220 |
| Progressive | $1,166 | $97 | $3,132 | $261 |
| Allstate | $2,408 | $201 | $5,868 | $489 |
| Texas Farm Bureau* | $564 | $47 | $1,370 | $114 |
| Farmers* | $1,432 | $119 | $4,525 | $377 |
| Galveston average | $1,143 | $95 | $3,013 | $251 |
This table uses Galveston ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the three Galveston ZIP codes we price, full coverage for our driver ranges from about $249 a month in 77554 to $254 in 77550, a gap of $64 a year.
Lowest-priced Galveston ZIP code
Highest-priced Galveston ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Galveston’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 77550 | $1,155 | $96 | $3,047 | $254 | +1% |
| 77551 | $1,142 | $95 | $3,009 | $251 | About average |
| 77554 | $1,132 | $94 | $2,983 | $249 | -1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $295 a year on average in our Galveston data, with the same $500 deductibles. That’s about $24 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Galveston ZIP codes, their full-coverage average fell from $2,458 a year 10 months earlier to $2,442 in rates as of Sept. 30, 2026, a 0.7% drop. Auto Club (AAA) cut its Galveston average 8.7% and Progressive 3.8%, while USAA raised its average 7.5% and GEICO 4.2%; State Farm’s average was about unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the Galveston average above. Liability-only coverage at 30/60/25 limits fell 2.5%, led by USAA, which cut its liability-only average 12.8%.
Galveston Island is exposed to hurricanes, storm surge and street flooding. Only comprehensive coverage pays for flood damage to your car, so it’s worth keeping if you park outside.
Galveston County averages about $248 a month for full coverage in our data. On the mainland, League City averages $239 and Texas City $249. Where you keep your car is one of the factors Texas insurers use, so your ZIP code can move your price.
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
Houston, about 45 miles northwest, averages $292 a month, and Beaumont–Port Arthur averages $259.
Drivers in Galveston follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
Galveston County averages about $248 a month for full coverage and $96 for liability-only coverage across the 14 ZIP codes we price there, $3 a month below the Texas average of $251. It ranks 33rd of the 179 Texas counties we price, from most to least expensive.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Galveston County | 14 | $1,147 | $96 | $2,981 | $248 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Galveston averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. In this breakdown, SUV policies cost the least and hybrid policies the most, about 20% more. Search the table for your county.
| County: | Car | SUV: | Sports: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Galveston | $1,249 | $1,083 | $1,199 | $1,245 | $1,304 |
| Avg. Monthly Costs | $104.08 | $90.25 | $99.92 | $103.75 | $108.67 |
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
For our benchmark driver, full coverage in Galveston averages about $251 a month ($3,013 a year) and liability-only coverage about $95 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is about the same as the Texas average of $251 a month. Without Allstate, the Galveston average is about $204 a month.
State Farm and Auto Club (AAA) have the two lowest full-coverage averages among insurers anyone can buy from in our Galveston rate data, at about $175 and $181 a month. USAA, which sells only to military families, averages about $180 a month. For liability-only coverage, State Farm has the lowest average among the five major insurers we compared, at about $64 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Galveston, for our benchmark driver. Galveston full coverage averages about $251 a month and Houston about $292, a difference of about $41 a month for the same driver and car.
In our data, 77554 has the lowest full-coverage average in Galveston, at about $249 a month, and 77550 the highest, at about $254. The ZIP code table on this page lists all three.
In our Galveston data, full coverage (100/300/100 with $500 deductibles) averages about $251 a month and liability-only coverage at 30/60/25 limits about $95, a difference of about $156 a month ($1,870 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their Galveston full-coverage average fell 0.7%, from about $2,458 to $2,442 a year. That’s lower than the Galveston average of $3,013 because it leaves out Allstate. Auto Club (AAA) cut its Galveston average 8.7% and Progressive 3.8%, while USAA raised its average 7.5% and GEICO 4.2%. Liability-only coverage at 30/60/25 limits fell 2.5%.
For our benchmark driver, full coverage in Galveston averages about $251 a month. Nearby, Houston averages about $292, Beaumont–Port Arthur about $259 and Austin about $242. Austin is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
