Modified:2022-09-13  Published:2022-09-13  Views: 148
Author: editor
Published in: Insurance
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.

the state of texas

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.

texas auto insurance quotes

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
  • Car insurance rates are very affordable even for the younger drivers.
  • Low amount of customer complaints with a good amount of customer satisfaction rating.
  • Availability of discounts
  • Membership benefits and perks are available as well.
  • Members can get coverage for their goods and services.
  • Customization of quotes is not available.
  • There is no option for coverage add-ons.
 

 

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
  • Affordable price range for everyone, including the high-risk drivers.
  • High customer service rating signifying the satisfactory service of the company.
  • Availability of discounts for the good drivers.  
  • Not a varied range of coverage options are available.
  • Discounts may vary based on location.  
 

 

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 offers the cheapest car insurance rates for the drivers with bad credit.  
  • An impressive number of discounts are available
  • Affordable auto insurance rates available.
  • It is hard to customize the car insurance policies are per individual needs.
  • Since the company only operates in Texas, if the driver shifts to a different state, they have to choose a different provider as well.
 

  

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
  • Different coverage add-ons are available
  • A low amount of customer complaints signifies the quality service of the company.
  • File claiming can be quite tough due to the complicated process of the company.
 

 

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
  • High customer satisfaction
  • Varied range of discounts available
  • Only available to the military family
  • Only a few options for extra coverage.
 

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.

Resource list: -

The following links will help you in generating more knowledge on Texas auto insurance quote

Policy genius

Bankrate

Article Comments

0 comments.

There are zero comments yet, why not be the first?

You must be logged in to post a comment.

Please log in or register to comment or reply to a comment.

Similar Articles

Get The Help Of Professional Insurance Adjuster For The Easy Claims Five Things You Didn’t Know About Car Insurance In Calgary Get The Coverage You Need With Cheap Homeowners Insurance 3 Reasons Why You Will Be Glad For Having Insurance For Your Existing Car Dealerships 3 Benefits Of Customizing Your Own Independent Midwives Insurance Policy Top 5 Cheapest Motorcycle Insurance Providers In Florida The Cheapest And The Best Car Insurance Plans In Hartford Connecticut Car Insurance Top 5 Homeowners’ Insurance In Connecticut For 2022 That You Need To Try Everything You Need To Know About ALLSTATE Layoff 2022 And More The Pros And Cons, Annual Rates, Discounts And Comparison Of Amica Car Insurance Plans Importance Of Boat Insurance And The Best Boat Insurance That You Can Find In 2022 USAA Renters Insurance 2022 – The Ultimate Guide 5 Best Family And Individual Dental Insurance Plans Available In Connecticut What Are The Companies To Offer The Best Workers Compensation Insurance In Texas? Best Professional Liability Insurance In The US Top-rated Commercial Auto Insurance To Purchase In California 10 Companies To Trust When You Need A Small Business Insurance Everything You Need To Know About Michigan RV Insurance What Is Travel Insurance And Who Are The Best Providers? 5 Most Important Types Of Business Insurance And Their Providers Companies To Offer The Best Texas Auto Insurance Quotes Error & Omission Insurance (E&O Insurance) : Definition, Coverages, Benefits And Companies What Is Renters Insurance And Why Should You Purchase It? Why Should You Compare Commercial Auto Insurance Quotes? Top 7 Insurance Policies That You Need In 2022

Articles Search

Featured Articles

Most Popular Articles

Article Categories Expand

10  
1  
1  
1  
0  
6  
0  
82  
5  

There are zero sub-categories in this parent category.

65  
4  
5  
6  
3  
3  
9  
5  
8  
4  
10  
6  
3  
0  
0  
69  
16  
1  
1  
25  
1  
2  
0  
2  
1  
2  
2  
7  
0  
1  
0  
2  
2  
2  
13  
2  
1  
3  
2  
1  
0  
2  
3  
2  
0  
1  
5  
0  
3  
4  
0  
17  
53  
1  
1  
0  
1  
0  
0  
6  
1  
1  
41  
1  
1  
2  
0  
12  
0  
0  
0  
0  
7  
3  
0  
2  
2  
1  

There are zero sub-categories in this parent category.

4  
1  
5  
6  
0  
3  
2  
1  
0  
1  
0  
2  
0  
4  
2  
0  
5  
1  
24  
1  

There are zero sub-categories in this parent category.

0  
1  
0  
1  
0  
1  
0  
1  
0  
0  
0  
2  
31  
1  
20  
3  
2  
0  
0  
0  
0  
1  
1  
0  
1  
0  
0  
0  
1  
0  
3  
1  
1  
0  
1  
5  
0  
2  
2  
0  
0  
0  
0  
1  
9  
1  

Sponsor