A List Of The Texas Car Insurance Companies With The Lowest Rates
Please Note: I want to share totally unbiased opinions with you about these cheapest insurance companies that I use. All the links in this article are for the purpose of researching for educational purposes only and none of them will provide me with any form of compensation whatsoever. I just figured that it would be nice to provide all my research findings at once so you have a good picture of whats out there
You should do your due diligence to find the best insurance policy before you commit. Hustleinboots.com is not responsible for any problems that may arise after youve signed up with any company.)
Cheapest Car Insurance For Texas Drivers
Although a full coverage policy commonly refers to auto insurance that includes comprehensive and collision coverage, a full coverage policy does not have a single meaning. A comprehensive coverage policy of Texas insurance costs an average of $1872 annually. The cheapest full coverage insurance providers are the cheapest minimum liability insurance companies: USAA, The General, and State Farm.
- State Farm: State Farm is the lowest insurance company overall, and state farm’s full coverage policy costs an average of $1098 per year.
- USAA: Full coverage policies with USAA cost $1410 per year on average. However, membership is required.
- The General: At $1455 per year, The General is still $789 less expensive than all but State Farm and USAA.
Prices for full coverage policies can vary dramatically amongst insurers. Because of the wide range of pricing, you should compare multiple firms when getting quotations for a full coverage policy.
| Company |
|---|
| $2655 |
Cheapest Car Insurance Does Texas Auto Insurance Cover Storm Damage
Texas frequently experiences strong storms as a result of its location in tornado alley. Texas drivers may be concerned about hail, high winds, lightning, and flooding damage. Liability insurance only protects the other party in an accident if you were at fault, so if you only have that amount of coverage, you do not have any coverage for damage to your vehicle.There is no need for total security. It is the option that would cover storm damage and begin to pay out if your car was stolen, damaged by weather, or lost due to falling objects.
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Cheapest Minimum Liability Car Insurance In Texas
Generally, the cheapest car insurance in Texas is a policy that meets the state’s minimum liability coverage requirement. It’s the most affordable insurance, but we recommend getting higher levels of coverage for better and broader protection.
MoneyGeek found that the cheapest car insurance providers for minimum coverage in Texas are:
- Farmers: $429 per year
- State Farm: $506 per year
If you or your family member has a military background, USAA also has affordable rates averaging $434 annually. The General is the most expensive company in Texas for minimum liability car insurance, at an average rate of $1,347 per year.
CHEAPEST MINIMUM CAR INSURANCE IN TEXAS
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These prices are only estimates based on rates for an average Texas driver and should not be used to compare insurance prices.
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Cheapest Car Insurance In Texas
The cheapest car insurance in Texas is offered by State Farm at $1,412 per year.
Friday, April 15 2022By Alison Chan
Texans with good driving records can find the cheapest car insurance rate through State Farm and Allstate. The average cost of car insurance in Texas is $109 per month or $1,305 per year, according to our comprehensive analysis. However, how expensive or cheap your quotes are will depend on your driver profile and incident history.
Well tell you all about that and more in this article, which covers:
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What Is The Best Car Insurance In Texas
NerdWallet named Liberty Mutual one of the best car insurance companies in 2022.3 Thats because we understand that everyone has individual needs when it comes to their Texas auto insurance. Some might want the cheapest Texas car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your Texas car insurance, so you only pay for what you need.
Who Has The Cheapest Car Insurance For Seniors In Texas State Farm
For a minimum-liability policy, senior drivers in Texas can find the cheapest car insurance rates with State Farm, at only $112 per month. A close second is Allstate, at $123 per month. Older drivers are rewarded for their driving experience with cheap car insurance premiums, though your own rates may vary depending on your driving history.
Typically drivers with an accident history face higher premiums for as long as the mark is on their records. The only thing that can completely remove an incident from your incident history is waiting a few years for it to fall off. Until then, you can opt to receive discounts to lower your rates.
| Company |
|---|
| $30,000 per person/$60,000 per accident | |
| Uninsured motorist bodily injury | $30,000 per person/$60,000 per accident |
| Uninsured motorist property damage | $25,000 per accident |
It can be tempting to buy just liability coverage for a vehicle, as that is all state law requires and it is usually the cheapest car insurance option. Liability car insurance coverage protects other drivers and their property. It doesnt protect your vehicle if an accident or some other event damages or destroys it. If you dont have collision and comprehensive coverage in this situation, youll need to pay for repairs out of your own pocket.
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What Are Some Discounts For Car Insurance In Texas
Aside from swapping carriers, the second-best way to achieve affordable car insurance is simple: you need to contact your insurance company and ask about discounts they offer.
Every carrier offers car insurance discounts for certain driving behaviors and good customers. This usually includes discounts for safe driving, for completing a driving safety course, for installing anti-theft devices, and many more.
You may already qualify for discounts and not know it. Some discounts may require just a little effort on your part to save quite a bit of money. But you wont know what discounts are available until you reach out to your carrier. Check in with your insurance agent at Baja Auto Insurance if your circumstances change, for example, if you start working from home. You may be able to save some money because you are putting less mileage on your vehicle and traveling on the roads less frequently.
High Risk And Young Driver Car Insurance In Texas
Young drivers are more likely to cause an accident, based on statistics. Therefore, they will generally pay more for their insurance. The best price for students is from state Farm, at $2512 a year. 20-year-olds can get a full coverage policy for $2084 a year from Texas Farm Bureau. Read our guide on car insurance for 18-year-old drivers on the Car and Driver blog. However, if they have one crash that is at-fault, they can expect to pay $1059 for minimum protection only.
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How Much Is Car Insurance On Average
For minimum coverage insurance , you should expect to pay between $450 and $550 a year. For full-coverage insuranceliability plus collision and comprehensive coverageyou should expect to pay between $1,500 and $1,800 a year. Again, your driving history, age, location, and discounts can make a big difference in your actual costs.
Independent Agent Vs The Rest
Here is a quick comparison of the differences between an independent agency like us, and the various other types of companies that are out there:
If youd like to get started with a complimentary quote and/or policy review, wed be happy to help you any way we can. Simply complete the fields below to get started online in a matter of seconds.
We appreciate the opportunity to help you, and look forward to servicing your insurance needs! Feel free to call us directly if you have more detailed questions.
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Cheapest Auto Insurance After A Dui: State Farm
Texans who receive a citation for driving under the influence may find that their rates increase by 185%, from $1,872 before a citation to $3,114 after an accident. State Farm, Geico and USAA remain the most affordable insurers for drivers, offering rates that are 36%, 16% and 32% cheaper than the state average, respectively.
Cheap Texas Car Insurance For Senior Drivers Age 65+
Senior drivers may see their rates increase as they reach their late 60s. Insurance companies vary on how they set rates, so some insurers like Texas Farm Bureau and Geico offer superior average rates to seniors compared to other insurers in the state evaluated by Forbes Advisor.
Car insurance companies may also offer discounts if you take a mature driver or defensive driver course, which are ways to reduce your auto insurance costs. If youre retired and dont use the car much, a usage-based car insurance program is another option that may save you money in the long run.
| Cheapest companies |
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Related: Best Car Insurance for Seniors
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When Can A Vehicle Be Totaled
A car is considered totaled in Texas when damage exceeds 100% of its actual cash value. This could happen from a crash, flood, fire or other cause.
If someone else crashes into your car and totals it, you can make a claim against their liability insurance or use your own collision insurance. If you total your own car or its washed away in a flood, you can use your collision or comprehensive insurance, depending on the cause.
Cheapest Car Insurance In Texas For Seniors
On average, senior drivers in Texas pay from $858 up to $3,623 per year for car insurance. Drivers between the ages of 79 and 84 must renew their license in person every six years, while drivers aged 85 and older are required to renew every two years.
Besides regular license renewals and screenings, senior drivers pay higher insurance rates in Texas. But not all companies start increasing premiums at the same age. Some hike rates at age 65, while others wait until age 70 or later. As you age, it pays to shop for affordable car insurance for seniors every few years.
Senior drivers in Texas tend to pay slightly more than young adults and middle-aged drivers. The average cost of car insurance for senior drivers in Texas is $1,455 per year, which is $139 more than what 40-year-old drivers pay for similar coverage.
The cheapest car insurance companies in Texas for senior drivers with full coverage are:
- Farmers: $853 per year
- State Farm: $911 per year
The General has the most expensive policy in the state, averaging $3,623. This is $2,770 more expensive than the cheapest provider.
CHEAPEST CAR INSURANCE RATES FOR SENIORS
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Senior drivers often pay higher premiums in Texas. That’s why shopping around for affordable car insurance for seniors every few years is advisable.
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Life Homeowners And Renters Insurance From Nationwide
Nationwide offers homeowners insurance with typical coverage options, plus a few extra perks. Learn more in NerdWallets Nationwide home insurance review.
Nationwide also partners with third parties to sell classic car insurance, wedding insurance and special liability insurance.
Methodology
2021 auto insurance survey methodology
This opt-in survey of 7,586 adults ages 18 and older was conducted online by NerdWallet, July 8-26, 2021. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months, and the policy had to be in their name at the time of the survey. These brands were rated on overall satisfaction, overall value, online experience and trustworthiness on a scale of 1-100. Only brands with 100 or more qualifying respondents are reported 300 of the respondents were current Geico policyholders.
Insurer complaints methodology
Auto insurance ratings methodology
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although its one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Collision coverage with $1,000 deductible.
Cheapest Car Insurance For Good Drivers In Texas
To be considered a good driver by insurance providers, your driving record must be free of any infractions like a speeding ticket, car accident, or DWI citation.
Drivers in Texas who keep a clean driving record save around 9% on their car insurance premiums. You can even qualify for good drivers discounts to save more.
Good drivers see some of the cheapest car insurance policy rates in the state of Texas. On average, the cheapest car insurance policy for good drivers in Texas ranges anywhere from $500-$1,000 per year, depending on the circumstances.
Coverage limits and policy add-ons will play major roles in establishing a drivers car insurance rates, so do not be surprised if your auto coverage rates are significantly more expensive than the average for good drivers in Texas.
Itâs always best to shop around to find a policy that fits not only your coverage needs but also your budget.
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What Are The 10 Cheapest Areas In Texas For Car Coverage
There are many factors that help determine your car rates in Texas, including where you live. Texas auto insurance coverage rates vary depending on your area. The table below displays the top 10 cheapest areas in Texas for car insurance based on average rates for a single adult.
| Area | |
|---|---|
| Harker Heights | $1,236 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Texas will differ. Rate data is provided by Quadrant Information Services.
What Is The Average Car Insurance Cost In Texas*
The average car insurance rate in Texas is $42 per month for the state-required minimum and $152 for full coverage. As we hinted at above, you will end up paying either more or less than that based in part on where you live. The average full coverage monthly rate is $150 in Austin, $179 in Houston, $169 in Brownsville and so on.
The types of coverage and the coverage limits you get will largely define how much you end up paying. While its easier said than done, everyone who really wants low-cost auto insurance must figure out the balance of how much protection they want with how much they are willing to pay each month.
In addition to your location, other factors help your insurance carrier determine how much your premium will be. This includes your age, credit score, the type of car you drive, and even your marital status.
If any of these things change , let your insurance carrier know and you may be able to get a lower rate.
*We use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase
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What Are The 10 Most Expensive Areas In Texas For Car Coverage
Who has the best car insurance rates in houston?
When looking at the average rates in areas of Texas, the most expensive area for car insurance is Weslaco followed by North Houston. Why is coverage more expensive some places than others? If you live in an area with more accident claims or in any major city, you’ll likely see higher rates. More people and more crime violations mean higher premiums coming out of your pocket.
The table below displays the top 10 most expensive areas in Texas for car insurance based on average rates for a single adult.
| Area | |
|---|---|
| Stafford | $1,664 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 minimum coverage liability limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Texas will differ. Rate data is provided by Quadrant Information Services.
Keep in mind that, even if you’re in a high-cost area, you can still do your part to get the cheapest insurance products and insurance discounts for your needs. Also, comparing carriers is the best way for consumers to find the best savings. So, even though car insurance in Texas is more expensive than the national average, you can still save money.
What Is Pip What Is The Importance Of Pip In Texas
PIP insurance is a type of first-party auto insurance that covers your medical bills, lost earnings, and other costs if you are injured in a car accident. Medical expenditures for passengers in your car who are injured in a collision are also covered by PIP.
Unless you sign a waiver denying coverage, personal injury protection insurance is required in Texas. If you decline the coverage, you may find yourself uninsured if you are unexpectedly wounded in an accident and face large medical bills or lost pay.
In Texas, personal injury protection coverage compensates for you and your passengers if you or your passengers are injured in an automobile collision, regardless of who is at fault.
PIP includes:
- Reasonable medical costs, including necessary surgeries, X-rays, dental or eye treatments, medical procedures, prosthetic devices, and professional nursing
- Ambulance services
- Funeral services
- Lost income resulting from the accident
- Replacement of necessary services provided by the injured party, such as family care or household maintenance, if the injured is not an income producer.
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