Companies To Offer The Best Texas Auto Insurance Quotes
Auto insurance is certainly one of the most significant factors to consider while ensuring safety and security for individuals. In one of our previous articles, we have provided a detailed information on the cheapest and best car insurance available in Hartford Connecticut. In this article we will be discussing about the companies to offer the best Texas auto insurance quotes. It is to help the residents and drivers of Texas while ensuring that they are choosing the right insurance provider to match their requirements.
Texas road accident statistics
Texas is one of the most important sates in the US as the state is the leading natural gas and crude oil producer. Hence, it is only natural for the state to possess a dense population, which leads to an astonishing amount of road accidents as well. As the statistics provided by the Texas Department of Transportation, the state has reported,
- 15,843 injured people in road accidents
- 3,610 deaths due to the same
- 286 billion miles racked up by the motorists
- A crash in every 56 seconds
Therefore, it is safe to say that Texas is quite prone to road accidents, which causes a significant number of damaged cars at the end along with injuries and death. So, if you are a Texas driver then it is important for you to insure your vehicle as soon as possible in order to stay on the safer side.
Minimum insurance requirements in Texas
Just like the other states of the US, Texas has also implemented a legal requirement for the minimum insurance for cars. The current law of Texas establishes that a driver must own a minimum liability coverage of 30/60/25. This scale stands for the minimum liability coverage of,
- $30,000 for the liability of bodily injury per person
- $60,000 for the liability of bodily injury per accident
- $25,000 for the liability of property damage per accident
It is important to remember that these liability requirements are the very basic insurance coverage options that are offered by Texas auto insurance quotes. However, these are not enough to protect your vehicles entirely. The minimum coverage requirements are a legal implication but if you want to protect your car as much as possible then you should consider comprehensive and collision coverage as well. Moreover, the insurance quotes providers also need to offer personal injury protection and uninsured/underinsured motorist coverage too.
Average cost for car insurance in Texas
According to the reports, Texas drivers are most likely to pay an average of $551 for meeting the requirements of minimum coverage annually and $1,868 for full coverage each year. Whereas the national average for the same stays at $545 for minimum coverage and $1,771 for full coverage. Hence, it can be observed that the Texas drivers have to pay slightly more than the drivers of the other states in the course of auto insurance. so, if you are Texas driver then auto insurance can be quite expensive to you. However, you can check the average of your payable based on your location in Texas via the following table.
| Location in Texas | Average annual premium for full coverage | Average annual premium for minimum coverage |
|
College Station, Texas |
$1,584 |
$469 |
|
Wichita Falls, Texas |
$1,605 |
$427 |
|
San Angelo, Texas |
$1,610 |
$412 |
|
Waco, Texas |
$1,645 |
$467 |
|
Abilene, Texas |
$1,646 |
$443 |
|
Midland, Texas |
$1,678 |
$449 |
|
Round Rock, Texas |
$1,681 |
$527 |
|
Killeen, Texas |
$1,682 |
$485 |
|
Denton, Texas |
$1,714 |
$537 |
|
Texarkana, Texas |
$1,747 |
$493 |
|
Tyler, Texas |
$1,769 |
$547 |
|
Lubbock, Texas |
$1,771 |
$492 |
|
Frisco, Texas |
$1,782 |
$576 |
|
Allen, Texas |
$1,783 |
$575 |
|
Odessa, Texas |
$1,784 |
$475 |
|
McKinney, Texas |
$1,792 |
$571 |
|
Austin, Texas |
$1,796 |
$558 |
|
Corpus Christi, Texas |
$1,806 |
$594 |
|
Plano, Texas |
$1,819 |
$589 |
|
El Paso, Texas |
$1,830 |
$496 |
|
San Antonio, Texas |
$1,837 |
$594 |
|
Fort Worth, Texas |
$1,856 |
$560 |
|
Amarillo, Texas |
$1,895 |
$482 |
|
Grand Prairie, Texas |
$1,968 |
$606 |
|
Beaumont, Texas |
$1,968 |
$631 |
|
Irving, Texas |
$1,989 |
$609 |
|
Laredo, Texas |
$2,015 |
$549 |
|
Garland, Texas |
$2,047 |
$649 |
|
Mesquite, Texas |
$2,050 |
$639 |
|
McAllen, Texas |
$2,093 |
$662 |
|
Dallas, Texas |
$2,093 |
$641 |
|
Houston, Texas |
$2,146 |
$691 |
Table 1
Discounts available for Texas auto insurance quotes
As it has been stated in the previous section, the rates of Texas auto insurance quotes are a bit more expensive than the national average. Nevertheless, there are some of the other prominent methods, which can help you in saving your money while paying for the annual premium of your auto insurance. The insurance providers in Texas offer a number of varied discounts based on their company and customers’ preferences. However, there are some of the common discounts that you can get a hold of regardless of your provider. The most common auto insurance discounts to be found in the state of Texas are mentioned below:
Bundling discounts
Bundling discounts are the most common type to be found in any company. It is also referred as the multi-policy discount, which lets you bundle up your policies under one package and save a good amount of money in the process. You can bundle up your auto insurance with your homeowner insurance, renters insurance, condo insurance and even your boat insurance. Once the bundling is done, the cost for annual premium in the case of both of the policies will go down.
Student discount
Regardless of the company, you will have to pay a bit more price if you are a younger driver and have less years of driving experience. If you are a high-school or a college student, then you might be eligible for some discounts that can save a lot of money from your auto insurance premium. There are discounts like good student discounts, distant student discount and driver training discounts for your benefits.
Telematics discounts
Now you may or may not find this discount in every company. But if you find this, then it can prove to be one of the most beneficial discounts that you can grab. With the help of some of the mobile applications or other plug-in devices, you can easily track your driving habits. Tracking your driving habits will provide an idea about your accident likeliness as well, and you get to customize your quote according to that. This can help you in eliminating the coverage options that you will not be needing and that will be saving your money as well.
Safe car discounts
Ensuring your car’s safety by installing safety equipment, such as anti-lock breaker, can make you eligible for safe car discounts.
Other discounts
Apart from the mentioned discounts there are some other discounts, such as discounts for online quote, paperless payment and payment in full.
However, you need to remember that the discount options can vary widely based on your location. Hence, you need to contact an agent or get accurate information from online resources before proceeding with the purchase.
5 companies for Texas auto insurance quotes
This section of the article will contain an analysis of the top 5 companies to offer the best and the cheapest auto insurance quotes in the state of Texas. The companies have been ranked in ascending order based on their cheap policy price. The pros and cons of each of the company have been mentioned alongside.
1. Texas Farm Bureau
Texas Farm Bureau is one of the most preferred Texas auto insurance providers. It is a part of the national Farm Bureau group, which offers really affordable insurance policies. The customer service of the company has also been rated as satisfactory and it provides an idea about the company’s overall performance in satisfying the customers. The pros and cons of Texas Farm Bureau are explained below,
| Pros | Cons |
|
|
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If you are looking for a really affordable auto insurance provider, then Texas Farm Bureau is the right choice for you indeed. The average monthly cost of the company is $86 only, that too for a full coverage. Hence, purchasing policy from the company can certainly be beneficial for you.
2. State Farm
State Farm is considered as the one of the biggest car insurance companies in the US. The company being available in all of the sates, makes it easy for the drivers to opt for a quote both online and offline. The online assistance availability of the company makes it easier to file a claim, track that and stay in contact with the company. This is exactly why State Farm has a high customer satisfaction rating along with a quite affordable price range.
| Pros | Cons |
|
|
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The average cost of State Farm auto insurance starts only from $97/month, which is certainly lower than the national average. Therefore, State Farm auto insurance can be another affordable choice for you. Moreover, the promising customer service of the company ensures you a positive customer experience as well. Even if you have a bad driving record, the company has you covered. Drivers with DUI, speeding tickets and even with a charge of at-fault accident, can get an affordable auto insurance rate.
3. Germania
Germania is a small Texas based insurance company that offers a standard car insurance service. There are even options available for add-on coverages. The drivers can add road-side assistance and other coverages for ensuring better protection. The pros and cons of the company are presented below,
| Pros | Cons |
|
|
Germania is the best choice for the drivers with a bad credit score. It is one of the most affordable companies as well, which offers an average monthly premium starting from $103. However, since the company only operate in Texas you should not go with it if you are not permanent resident of the state.
4. GEICO
GEICO is one of the most preferred insurance companies all over the US. It is as well quite popular among the Texas drivers for Texas auto insurance quotes. The company offers a quality service under a standard price range. The customer service rating of GEICO remains one of the primary strengths of the company. The pros and cons of the company are explained below.
| Pros | Cons |
|
|
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The average monthly cost of GEICO starts from $115. The average annual premium for full coverage starts only at $1,383, which is quite cheaper than the national and state average. Moreover, if you want a good number of coverage add-ons then GEICO is the right choice for you.
5. USAA
USAA is another most preferred company in the US. It is capable of offering a set of discounts that one may not find in the offers of ither companies. However, the company offers its services only to the members of military. The pros and cons of the company are explained below,
| Pros | Cons |
|
|
The average cost for monthly premium of USAA starts from $128, which is a standard price. The customer satisfaction rate of the company always stays one of the highest in the industry. However, since the company is only available for the military members it remains out of the reach of the commoners. But if you are the member of a military family then USAA is certainly the best choice for you.
Conclusion
Even though Texas has a little higher rate of can insurance than the national average. This article will help you in finding the most affordable Texas auto insurance quote via the above-mentioned companies. However, we will still recommend you contact an agent before proceeding with the purchase.
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