Car Insurance Qts’s, compare multiple car insurance quotes with different insurance companies then analysis that State Farm and GEICO are cheap car insurance in Texas.
To get the cheapest car insurance in Texas for 2023, you should shop around. The rates of premium can be change based on Age, driving history, location and what kind of coverage you want.
Different insurance companies have different rates, so always compares quotes is best ways to get cheap car insurance.
Best Insurance Companies in Texas
To determining the best car insurance company in Texas can vary depending on individual needs and preferences. Keep in mind that the best insurance company for you can depend on your specific needs, so it’s a good idea to shop around and get quotes from a few different companies to find the one that suits you best. Here’s a list of some good insurance companies in Texas:
- GEICO
- State Farm
- Esurance
- Mercury
- Houston General Ins Exchange
- Allstate
- Southern County Mutual
- USAA
- Nationwide
- Encompass
Cheapest Car Insurance in Texas
In 2023, the average yearly cost for minimum car insurance in Texas is around $565, which is less than the national average of around $622 per year. However, if you want more extensive coverage, it’s a bit higher in Texas at about $2,019 per year compared to the national average of around $2,014 per year.
But, Carinsuranceqts found that few insurance companies in Texas offer lower rates than averages. As we compared which ones are the cheapest on average, we looked at the top insurance companies in Texas and compared rates for different types of drivers using data from Quadrant Information Services.
Cheapest car insurance companies in Texas for Minimum Coverage
When you want the cheapest car insurance in Texas for minimum coverage, a few companies stand out as being affordable. Remember, how much you pay for car insurance depends on many factors like age, driving history, ZIP Code and types of vehicle.
Minimum coverage is liability only insurance it doesn’t give you much protection, and it might not cover all the costs if there’s an accident. So we are recommend that always buy extra coverage insurance for your car.
Compare prices from different insurance companies and find that the GEICO offer cheap minimum coverage in Texas.
| Insurance Company | Minimum Coverage premium (Per Month) | Minimum Coverage premium (Annual ) |
|---|---|---|
| Geico | $35 | $420 |
| Houston General Ins Exchange | $37 | $447 |
| State Farm | $38 | $455 |
| Esurance | $40 | $478 |
| Mercury | $41 | $490 |
What are Minimum coverage required in Texas for drivers
In Texas, the minimum auto insurance coverage requirements for drivers are typically referred to as “30/60/25” coverage, and they include:
- $30,000 Bodily Injury Liability per person
- $60,000 Bodily Injury Liability per accident
- $25,000 Property Damage Liability
These are the lowest insurance amounts Texas says you must have by law. But, having just the minimum might not be enough if there’s a big accident. That’s why lots of drivers choose to get more coverage, so they’re better protected if there’s a really bad accident.
Cheapest car insurance companies in Texas for Full Coverage
Full coverage car insurance includes two extra types of coverage called comprehensive and collision. These help pay for your own car’s repairs, even if you cause the accident. While it’s more expensive, it gives you better financial protection.
If your car gets damaged from a crash, bad weather, fire, vandalism, or theft, your insurance pays for the repairs, up to a certain limit. In Texas, State Farm offering the cheapest full coverage insurance for driver who have clean records. They offers with $650 lower than what most people pay on average in the state.
| Insurance Company | Full Coverage premium (Per Month) | Full Coverage premium (Annual) |
|---|---|---|
| State Farm | $114 | $1,373 |
| Geico | $124 | $1,494 |
| Esurance | $128 | $1,539 |
| Houston General Ins Exchange | $130 | $1,555 |
| Mercury | $130 | $1,555 |
Cheapest car insurance in Texas for young drivers
The lowest cheapest car insurance in Texas, can consider your age when deciding how much to charge you for car insurance. The cost of car insurance changes depending on how old you are. If you’re younger, like under 25 or older, like in your 70s, your rates might be higher. Younger people, especially those under 25, usually pay more for insurance. However, there are still some insurance companies that have affordable car insurance options for young adults.
| Insurance Company | Minimum coverage premium Avg. (Annual) | Full coverage premium Avg. (Annual) |
|---|---|---|
| Nationwide | $858 | $2,251 |
| Houston General Ins Exchange | $994 | $3,144 |
| State Farm | $997 | $2,727 |
| Geico | $1,049 | $3,225 |
| Allstate | $1,237 | $5,603 |
Read | Cheap Car Insurance for Young Drivers: Tips and Top Picks
Cheapest car insurance in Texas for young drivers with a DUI
If you’re 21 years old and you’ve been caught driving under the influence (DUI), it means your car insurance costs will go up for around two years. In Texas, if you get a DUI, you have to get something called an SR-22 certificate along with your regular insurance. Also, your insurance company has inform this matter to Texas Department of Motor Vehicles.
| Insurance Company | Minimum coverage premium Avg. (Annual) | Full coverage premium Avg. (Annual) |
|---|---|---|
| Esurance | $876 | $2,983 |
| National General | $980 | $3,452 |
| Geico | $1,030 | $3,570 |
| Houston General Ins Exchange | $1,094 | $3,462 |
| USAA | $1,250 | $3,992 |
Cheapest car insurance in Texas for young drivers with a speeding ticket
Teenagers are high riskier drivers and also have high rate for car accidents. If your teenager has a habit of speeding, you might want to consider getting a price estimate from USAA (if you can, because they mainly serve the military community and their close family members) or Houston General Insurance Exchange.
| Insurance Company | Minimum coverage premium Avg. (Annual) | Full coverage premium Avg. (Annual) |
|---|---|---|
| USAA | $1,265 | $4,060 |
| Houston General Ins Exchange | $1,298 | $4,389 |
| State Farm | $1,363 | $3,780 |
| Encompass | $1,437 | $4,274 |
| Geico | $1,559 | $5,067 |
Cheapest car insurance in Texas for young drivers with an at-fault accident
Finding cheap car insurance in Texas for young drivers with an at-fault accident can be challenging since accidents generally lead to higher insurance rates, especially for young and inexperienced drivers. However, State Farm may offer more competitive rates for young drivers in this situation.
| Insurance Company | Minimum coverage premium Avg. (Annual) | Full coverage premium Avg. (Annual) |
|---|---|---|
| State Farm | $1,568 | $4,286 |
| USAA | $1,648 | $5,197 |
| Geico | $1,767 | $5,795 |
| Encompass | $2,002 | $5,752 |
| Houston General Ins Exchange | $2,106 | $5,607 |
Cheapest car insurance rates by city in Texas
Where you live in a state can affect how much you pay for car insurance. Bigger cities, like Houston and San Antonio in Texas, usually mean higher insurance costs. Your specific ZIP code matters too, like how much healthcare costs there, how often accidents happen, and how often cars get stolen or damaged. All these things can change how much you pay for insurance.
Minimum Coverage Rates by City in Texas
| City | City Average Premium (annual ) | City Avg. annual savings vs state average |
|---|---|---|
| Darrouzett | $356 | +$209 |
| Memphis | $360 | +$205 |
| Allison | $363 | +$202 |
| Booker | $363 | +$202 |
| Spearman | $364 | -$201 |
Full Coverage Rates by City in Texas
| City | City Average Premium (annual ) | City avg. annual savings vs state average |
|---|---|---|
| Campbellton | $1,798 | +$221 |
| Freeport | $1,846 | +$173 |
| Mineola | $1,851 | +$168 |
| Frisco | $1,851 | +$168 |
| Benavides | $1,852 | +$167 |
Car Insurance Discounts for Texas Drivers
Car insurance is important for everyone who drives in Texas. Texas has different kinds of roads, from busy city streets to wide open highways. It’s important to have car insurance to protect yourself and your car. The good news is that there are ways to save money on car insurance in Texas. Here are some common ways Texas drivers can get discounts on car insurance.
- Multi-Policy Discounts : Some insurance companies give good discounts if you buy more than one type of insurance from them. This means you can get a discount if you buy car insurance along with other types of insurance like home or renters insurance.
- Safe Driving Discounts : Drivers who drive carefully and don’t get into accidents or break traffic rules can pay less for insurance. This is known as a safe driving discount. Some insurance companies also offer discounts if you use a device that tracks your driving and shows you drive safely.
- Young driver discounts : If you’re a student or a young driver, good grades can help you save money on car insurance. Most insurance companies offer discounts to students who get good grades in school.
- Anti-Theft Device Discounts : Installing anti-theft devices in your car, like alarms or tracking systems, can make your car less likely to be stolen. Insurance companies often give discounts to people who take steps to protect their cars.
FAQs
What are the Minimum Car Insurance Required in Texas for Drivers?
In Texas, drivers are required to have a minimum car insurance coverage known as 30/60/25, which means:
1) $30,000 per person for bodily injury liability.
2) $60,000 per accident for bodily injury liability (if multiple people are injured).
3) $25,000 per accident for property damage liability.
What is the cheapest car insurance in Texas ?
The cheapest car insurance companies overall in Texas is State Farm and GEICO, The GEICO offers the cheapest minimum overage overall, with an average rate of $35 per month.
