Find The Cheapest Car Insurance in Texas
- State Farm: $1,421 In 2021, State Farm had the cheapest car insurance for Texas drivers, among those surveyed by Insurance.com .
- Texas Farm Bureau: $1,465 In 2021, the Texas Farm Bureau ranked moment for the cheapest car insurance .
- Geico: $1,539 In 2021, in Texas Geico was the third-cheapest car indemnity company.
- Colonial: $1,663 In 2021, Colonial ranked one-fourth for the cheapest car insurance in Texas .
- AAA: $1,784 In 2021, AAA came in one-fifth place in Texas for the cheapest car policy .
- Allstate: $3, 065 In 2021, Allstate ranked sixth in Texas for the cheapest cable car indemnity .
here ’ s how a lot less State Farm ’ sulfur average rate is compared to others :
- $45 less than Texas Farm Bureau
- $360 less than AAA
- $12 less than Geico
- $1,645 less than Allstate
- $240 less than Colonial
KEY TAKEAWAYS
- Factors including your insurance company and how much coverage you need influence your car insurance cost.
- As per Insurance.com’s survey, State Farm offers the lowest car insurance rates in Texas for drivers with an at-fault accident.
- Before buying car insurance, first figure out what level of coverage you need. Minimum coverage you should buy under the law is 30/60/25.
- Once you decide how much coverage you need, compare Texas car insurance quotes from at least three different insurers
Best auto insurance companies in Texas
Insurance.com asked stream policyholders what they thought of their cable car insurance company ’ south customer overhaul, claims handling, mobile apps/websites and price to identify the best car insurance companies in Texas. Below you ’ ll see how major carriers ranked overall on these metrics in the view. All scores are out of 100 .
Auto insurance quotes for Texas drivers
How much coverage you buy, and from which company, are key factors that influence your indemnity price. We ’ ve seen that State Farm is the cheapest company for wax coverage ( above ). Below you ’ ll see the cheapest Texas cable car policy companies for standard liability and state of matter minimum policies. In addition to coverage amounts, there are early factors that affect what you ’ ll pay. To give you an estimate of what you can expect, we provide car policy quotes for Texas drivers for common scenarios. These include motorists with the postdate :
- Accidents
- Speeding tickets
- Bad credit
- Teen driver
Texas liability auto insurance quotes
For drivers in Texas buying minimum coverage and liability limits of 50/100/50, Texas Farm Bureau has the lowest average rate, followed by State Farm.
| Company | State minimum | 50/100/50 |
|---|---|---|
| Texas Farm Bureau | $414 | $458 |
| State Farm | $446 | $495 |
| AAA TX County Mutual | $493 | $537 |
| Geico | $527 | $562 |
| Allstate | $615 | $633 |
| Colonial | $735 | $708 |
Cheapest auto insurance quotes for Texas drivers with accidents
state grow had the lowest car policy rates in Texas for drivers with an at-fault accident, among those surveyed by Insurance.com. Though you ’ ll probable see a rate hike after a property damage or bodily injury liability claim, you can still save by comparison shop, as you ’ ll see rates vary among carriers for those with accident claims .
| Rank | Company | Average annual rate |
|---|---|---|
| 1 | State Farm | $1,718 |
| 2 | Progressive | $1,745 |
| 3 | Geico | $1,966 |
| 4 | Nationwide | $3,030 |
| 5 | Allstate | $3,046 |
Cheapest Texas car insurance rates for speeding tickets
express farm had the lowest rate for drivers in Texas with speeding tickets. In most cases, you ’ ll pay more for cable car insurance after a accelerate misdemeanor. The increase happens when your policy reincarnate, and broadly lasts for three years. But tied with a traffic ticket, comparison denounce can save you money. For case, you ‘ll see that the dispute between the highest rate and the lowest is $ 1,325, on average, according to Insurance.com ‘s rate analysis. That ‘s how much you can save by comparing car indemnity quotes in Texas after speeding tickets .
| Rank | Company | Average annual rate |
|---|---|---|
| 1 | State Farm | $1,166 |
| 2 | Geico | $1,757 |
| 3 | Progressive | $1,880 |
| 4 | Allstate | $2,186 |
| 5 | Nationwide | $2,491 |
Texas car insurance quotes for adding teen drivers
state grow had the lowest car policy rates in Texas for adding a driver age 16 to a full coverage kin policy, among insurers surveyed. here is how carriers ranked in terms of cost .
| Rank | Company | Average annual rate for female teen | Average annual rate for male teen |
|---|---|---|---|
| 1 | State Farm | $2,562 | $2,771 |
| 2 | Geico | $2,674 | $2,948 |
| 3 | Progressive | $4,154 | $4,607 |
| 4 | Nationwide | $3,452 | $4,091 |
| 5 | Allstate | $6,331 | $7,518 |
Auto insurance quotes for Texas drivers with bad credit
The cheapest pace, on median, for those with bad recognition was from State Farm, followed by Progressive, among those surveyed by Insurance.com. Drivers in Texas who don ’ t have good credit can save about $ 1,665 by comparing car indemnity companies, as you ’ ll see rates differ by that much among carriers .
| Rank | Company | Average annual rate |
|---|---|---|
| 1 | State Farm | $2,338 |
| 2 | Progressive | $2,966 |
| 3 | Nationwide | $3,008 |
| 4 | Geico | $3,539 |
| 5 | Allstate | $4,001 |
How to shop for car insurance in Texas
When you shop for car indemnity, first base determine what level of coverage suits your needs. The minimum coverage you must have under department of state law is 30/60/25, as follows :
- $30,000 for each injured person per accident
- Up to a total of $60,000 per accident
- $25,500 for property damage per accident
however, state minimum requirements are typically besides low to provide sufficient coverage. even minor accidents can cause damage resulting in repairs and checkup bills that exceed these levels, leaving you to pay the remainder. For that reason, Penny Gusner, Insurance.com senior consumer analyst, recommends levels of 100/300/100. besides, department of state required indebtedness coverage does not cover damage to your car. For that you need the optional coverages of comprehensive and collision. Depending on the age of your vehicle, however, you might not need comprehensive examination and collision coverage. If your car is more than 10 years erstwhile and has a low substitution price, you might be able to forgo this coverage. If you need more avail to determine the right level of coverage for your situation, use the Car Insurance Coverage Calculator.
once you determine how much coverage you need, compare Texas cable car insurance quotes from at least three car insurance companies. In addition to comparing quotes, be indisputable you ’ re getting the best share by doing the following :
- Check to see which car insurance discounts apply to you.
- Scour membership and affinity programs for discounts: AARP and military members can get discounted insurance. Your employer, alumni associations, and wholesale clubs are also good places to search for potential discounts. Affiliation discounts can save you as much as 25%.
- Raise your deductible: Increasing your deductible to $1,000 can save you 40% or more on car insurance costs, according to the Insurance Information Institute.
- Combine your coverage: Bundle auto coverage with your home or renters’ insurance policy, and you can typically save 10% to 12% on your auto insurance rate.
- Be a good driver: Being a safe driver can lower your car insurance by 5% typically. Driving fewer miles a year will also reduce your rate.
- Take a driver training course: If you’ll add your teen to your insurance policy, sign him or her up for a driver’s education course, since this can lower your rate. Consider taking a defensive driving course to get a discount on insurance. Contact your insurance company to make sure it offers this discount and then search online or your insurer’s website to find qualifying local courses.
car policy is part of cable car ownership cost, but that does n’t mean you have to pay exorbitant prices to get the best coverage. Do some inquiry to determine how much coverage you very need and get quotes from respective different insurers to compare their rates. With a little fourth dimension and campaign, you can find the best car insurance company in Texas for you .