Car Insurance in Wichita Falls, Texas
Estimated full coverage in Wichita Falls runs about $1,740 a year ($145/month) — ▼ −8% versus the Texas average, ranking 56th most expensive of the 57 Texas cities we cover.
Why car insurance in Wichita Falls costs less than the Texas average
Insurers price by territory, and Wichita Falls's numbers explain most of the gap. With 102,372 residents on 72.2 square miles, the city's density (1,418 people per square mile) is 2.1 times the density where the typical Texas resident lives (670). The average commute is 14.3 minutes (Texas: 26.7), and 70% of workers drive alone. Together these put our location factor at 0.93× the state baseline for liability and collision, and 0.90× for comprehensive once FEMA weather risk for Wichita County is included.
| Factor | Wichita Falls | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 1,418 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 14.3 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.8% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 70.3% | — | Share of workers commuting by car. |
| Public transit to work | 0.2% | — | Transit use lowers how much residents drive. |
| Work from home | 7.1% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 7.4% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 76.9 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Wichita Falls
Rates can change from one ZIP code to the next. Across 8 Wichita Falls ZIP codes, our full-coverage estimate ranges from $1,505 in 76305 to $1,800 in 76309. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 76308 | 21,896 | 2,790 | 14.2 min | 5.3% | $1,800 | +3% |
| 76310 | 19,029 | 112 | 17.8 min | 3.1% | $1,575 | −9% |
| 76301 | 15,479 | 1,355 | 13.0 min | 13.2% | $1,720 | −1% |
| 76306 | 13,963 | 815 | 14.2 min | 6.6% | $1,690 | −3% |
| 76309 | 13,395 | 2,422 | 15.2 min | 7.9% | $1,800 | +3% |
| 76302 | 11,932 | 1,265 | 14.1 min | 8.7% | $1,730 | −1% |
| 76311 | 6,362 | 2,707 | 11.1 min | 5.5% | $1,750 | +1% |
| 76305 | 4,941 | 23 | 22.3 min | 3.1% | $1,505 | −14% |
Minimum car insurance in Wichita Falls
Wichita Falls drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Wichita Falls at $640 a year, and $895 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Wichita Falls premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Wichita County as relatively high for hail, relatively moderate for inland flooding and relatively moderate for strong wind, and very low for hurricanes.
Traffic & commuting
2.8% of Wichita Falls commuters spend an hour or more getting to work, and there are 1.72 vehicles per household. 7.1% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 95.2 | Comprehensive (car); roof claims (home) | |
| Tornado | 92.8 | Comprehensive; dwelling | |
| Hurricane | 47.5 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 80.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 68.0 | Comprehensive; dwelling | |
| Winter weather | 82.2 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Wichita Falls by driver profile
A clean-record driver in their 50s pays the least in our Wichita Falls model (about $1,600 for full coverage); an 18-year-old on their own policy pays about $4,785, and a DUI pushes a 30-something to $3,220.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,760 | $2,455 | $4,785 | $399 |
| Young adult (22) | $1,025 | $1,430 | $2,785 | $232 |
| Adult in their 30s | $640 | $895 | $1,740 | $145 |
| Adult in their 50s | $590 | $820 | $1,600 | $133 |
| Senior (72) | $715 | $1,000 | $1,950 | $163 |
| 30s, one at-fault accident | $930 | $1,295 | $2,525 | $210 |
| 30s, DUI on record | $1,185 | $1,650 | $3,220 | $268 |
Minimum vs. standard vs. full coverage in Wichita Falls
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $640 | $53 | $525–$755 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $895 | $74 | $730–$1,055 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,740 | $145 | $1,425–$2,055 |
Estimate your premium in Wichita Falls
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Cheap car insurance in Wichita Falls: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Wichita Falls's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $120 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $120 | You're among the 7.1% of Wichita Falls workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $465 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $845 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $385 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Wichita Falls
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 23 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Wichita Falls, our estimates differ by up to $295 a year between neighborhoods.
Car insurance agents near Wichita Falls, TX
We found 23 insurance offices within about 6 miles of central Wichita Falls, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Eichelmann Insurance
1315 Kemp Boulevard, Wichita Falls, TX -
Mark Inman Insurance Agency
1401 Kemp Boulevard, Wichita Falls, TX -
Brian Channing McCray - Farmers Insurance
1601 Kemp Blvd, Wichita Falls, TX 76309 -
Kennedy Insurance Agency
1607 Kemp Boulevard, Wichita Falls, TX 76309 -
Donald W Cowman - Farmers Insurance
2014 Kell Blvd, Wichita Falls, TX 76301 -
State Farm
2207 Brook Avenue, Wichita Falls, TX 76301 -
Higginbotham
1300 10th Street, Wichita Falls, TX 76301 -
Linda Ann Deason - Farmers Insurance
823 Travis St, Wichita Falls, TX 76301 -
Lexy Hughes Farmers Insurance
900 8th St, Wichita Falls, TX 76301 -
Freeway Insurance
3401 Kemp Blvd, Wichita Falls, TX 76308 -
Deric Lee Gentry - Farmers Insurance
1101 Scott Ave, Wichita Falls, TX 76301 -
Brycen Whitaker - State Farm
3907 Kell E Blvd, Suite A, Wichita Falls, TX 76308 -
Darrel Dewayne Dickey - Farmers Insurance
4210 Kell Blvd, Wichita Falls, TX 76309 -
Rebecca Lammers - Allstate
3500 McNiel Ave, Wichita Falls, TX 76308 -
Brandee Leigh Samuels - Farmers Insurance
3512 Mcniel Ave, Wichita Falls, TX 76308 -
Tyler Baker - Farmers Insurance
4020 Rhea Rd, Wichita Falls, TX 76308 -
Brian Ray Anderle - Farmers Insurance
1501 Midwestern Pkwy, Wichita Falls, TX 76302 -
Tim Short - State Farm
4245 Kemp, Suite 710, Wichita Falls, TX 76308 -
State Farm
4601 Kell East Boulevard, Wichita Falls, TX 76310 -
Farmers Insurance
4501 Northwest Freeway, Wichita Falls, TX 76306 -
Mike Morris - State Farm
2500 Shepherds Glen, Ste A, Wichita Falls, TX 76308 -
Cheryl Botkin - State Farm
2925 Southwest Pkwy, Ste A, Wichita Falls, TX 76308 -
Hayden J Berend - Farmers Insurance
4513 Southwest Pkwy, Wichita Falls, TX 76308
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Wichita Falls
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,305 | −25% |
| Subaru Outback | Wagon | $1,310 | −25% |
| Tesla Model 3 | Midsize car | $1,815 | +4% |
| Subaru Forester | Small SUV | $1,280 | −26% |
| Honda Civic | Compact car | $1,965 | +13% |
| Toyota Corolla | Compact car | $1,845 | +6% |
| Jeep Wrangler | Midsize SUV | $1,430 | −18% |
| Mazda CX-5 | Small SUV | $1,460 | −16% |
| MINI Cooper | Subcompact car | $1,315 | −24% |
| Tesla Model Y | Midsize SUV | $1,635 | −6% |
Car insurance in nearby Texas cities
- Denton $1,940/yr · 93 mi
- Southlake $1,955/yr · 103 mi
- Fort Worth $2,060/yr · 103 mi
- Lewisville $2,030/yr · 107 mi
- Frisco $2,105/yr · 111 mi
- Carrollton $2,030/yr · 113 mi
- Irving $2,040/yr · 115 mi
- Arlington $2,095/yr · 116 mi
- McKinney $2,085/yr · 118 mi
- Plano $2,065/yr · 118 mi
- Allen $2,120/yr · 120 mi
- Grand Prairie $2,080/yr · 121 mi
All Texas cities and state rules · Homeowners insurance in Wichita Falls
Frequently asked questions
How much is car insurance in Wichita Falls, TX?
We estimate full coverage in Wichita Falls at about $1,740 a year ($145 a month) for a driver in their 30s with a clean record, and about $640 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Wichita Falls cheaper than the Texas average?
Our Wichita Falls estimate is 8% lower than the statewide figure. The model reflects a population density of 1,418 people per square mile (the typical Texas resident lives at about 670) and an average commute of 14.3 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Wichita Falls?
Drivers in Wichita Falls follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Wichita Falls has the cheapest car insurance?
Among Wichita Falls's 8 ZIP codes, 76305 has the lowest estimate (about $1,505 a year for full coverage) and 76309 the highest (about $1,800), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Wichita Falls?
An 18-year-old with their own full-coverage policy would pay around $4,785 a year in Wichita Falls by our estimate ($1,760 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Wichita Falls?
Yes. FEMA's National Risk Index rates Wichita County for hail (relatively high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Wichita Falls?
We list 23 insurance offices in and around Wichita Falls, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Wichita Falls and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places