Car Insurance in Cleburne, TX: Rates Below the State Line

Thirty miles south of Fort Worth, where U.S. 67 meets the southern end of the Chisholm Trail Parkway, sits Cleburne — and car insurance here tends to cost less than it does almost anywhere else in the Metroplex. Liability coverage averages about $57 a month, roughly $684 a year, which runs below the Texas average of $786.

Cleburne is the seat of Johnson County, and it has been a crossroads town since long before the interstate era. Cattle drivers watered their herds at West Buffalo Creek on the way up the Chisholm Trail; today those same travel lines carry commuters instead of cattle.

Cleburne Car Insurance by the Numbers

Liability-only coverage in Cleburne averages close to $684 a year, about $8 a month cheaper than the rest of Texas and roughly $23 a month below the national average. Full coverage starts around $125 a month with the cheapest carriers, which puts a typical full policy near $1,500 a year — well under the $2,751 statewide full-coverage average.

That spread between carriers is wide. State Farm has quoted rates as low as $48 a month for liability in Cleburne, while some competitors charge well over $200 — a gap that can top $2,000 a year depending on which insurer you land with.

A Crossroads on US-67 and the Chisholm Trail Parkway

Cleburne sits right where U.S. Highway 67 meets the southern terminus of the Chisholm Trail Parkway, the toll road that runs 27.6 miles north into downtown Fort Worth. State Highways 171 and 174 also branch through town, making Cleburne a genuine junction point for Johnson County traffic without the dense, merge-heavy interchanges that push up claim rates closer to Fort Worth.

• US-67: The main north-south route through Cleburne, linking to the Metroplex and points south.
• Chisholm Trail Parkway: Toll road connecting Cleburne's northern edge to downtown Fort Worth.
• SH-171 / SH-174: State highways crossing through downtown Cleburne toward neighboring Johnson County towns.

Cleburne was also once home to one of the largest railroad maintenance shops in the country, and that rail-and-highway crossroads history still shapes how traffic — and insurance risk — moves through town today.

Growth Is Catching Up, But Rates Haven't Yet

Cleburne counted 31,453 residents at the 2020 census; by 2024, that figure had climbed past 38,131 — growth of more than 32% in just four years. Median household income now sits around $70,656, and the median age of 35 points to a working-age population filling new subdivisions on the city's edges.

Insurers typically need a few years of claims history to fully reprice a fast-growing market. For now, that lag is part of why Cleburne's average rate still runs below the Texas norm, even with thousands of new drivers added to local roads since 2020.

What Texas Requires, and How to Pay Less in Cleburne

Every Cleburne driver has to carry the same 30/60/25 liability minimum as the rest of Texas: $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 for property damage. Texas is an at-fault state, so the driver who causes the wreck — and their insurer — pays first. Our minimum vs. full coverage guide explains when that floor is enough and when it leaves you exposed.

Because the gap between Cleburne's cheapest and priciest carriers can run over $2,000 a year, compare at least three quotes at renewal instead of auto-renewing. Ask about low-mileage and multi-policy discounts, and keep an eye on your credit — Texas insurers can charge Cleburne drivers with poor credit up to 53% more than those with good credit. Our premium-cutting guide covers the rest of the discounts worth asking about.