Who Has the Cheapest Auto Insurance in Texas

So who has the cheapest auto insurance in Texas?

Getting auto insurance is a very important task indeed. The problem is finding insurance that will cover your costs without overspending on your premiums. In Texas, this can be easy or hard to do based on where in the state you are. Before you buy a policy make sure that you consider the coverage you need in the state and adhere to the minimum coverage requirements of Texas. These coverage requirements are legally required, so be sure to consider them when buying a policy.

The Minimum Car Insurance in Texas

In Texas, liability insurance is the only type of coverage that is required by the law. These requirements are usually written in the form 30/60/25 at the insurance company. This means you must have at least $30,000 in liability coverage per person in the accident, $60,000 in liability per crash, and $25,000 for property damage.

Best Car Insurance in Texas for Drivers with Different Qualifications

As you may know, your car insurance premiums fluctuate based on your personal life. Your address, age, license record, and many other factors count towards the determination of how much you pay. In Texas, drivers with clean driving records that have no parking tickets, accidents or other black marks on them can find the best car insurance at USAA. A premium rate of about $1200 a year for a sample driver was obtained. Note that USAA is only open if you’re a member of the military, or are a veteran. GEICO isn’t far behind, though, at about $1300 a year.

If you’re in your 20s with a good record, the average across the state was less than $1000 at GEICO insurance, and State Farm wasn’t far behind at $1200 a year for auto insurance in Texas. If you have been in an accident before, though, your insurance goes up, with the cheapest being at Farmers Insurance, $1600 a year on average.

The Top Five Cheapest Auto Insurance Companies in Texastexas insurance map

When it comes to cheap car insurance, Texas isn’t the best state in the country. You can expect a statewide average of about $2000 a year based on your individual details. The cheapest company by far in Texas was the Texas Farm Bureau auto insurance, which came in at about $1200 a year on average. You do have to be a member of the bureau to get insurance here, though. GEICO was the close second, as usual, with $1300 on average, followed by Progressive which was very close indeed with premiums of about $1350 a year. State Farm was the fourth at about $1500 a year and the list was rounded out with Unitrin Insurance, which ranked a cool $2000 a year in premiums.

Who Has the Cheapest Car Insurance in Dallas?

Dallas is one of the most expensive places to get auto insurance from in Texas. It is one of the most populated cities in the state and is also one of the most urban. Because of this, the citywide average can be over $2400 for auto insurance. This doesn’t meant that all the insurance companies charge the same rate, though. Get quotes from Progressive Insurance and State Farm – these two have shown rates that are significantly lower than the city average.

Who has the cheapest auto insurance in Austin?

Austin is a little cheaper than Dallas, with the average for auto insurance here coming in at about $2200 for a sample driver aged 30 in the city. The cheapest insurance companies in Austin TX are GEICO and Progressive Insurance, both of which offer multiple discounts for different criteria being met. On average, you would pay about half the city average for insurance at one of these two.

Who has the cheapest car insurance in Houston?

If you’re looking in Houston, you may have a problem. Finding cheap car insurance in Houston is quite hard. The presence of the Space Center and other large scale populated regions makes it a high-risk zone for insurers. You can expect to pay nearly $3000 a year on average in Houston, although you can pay nearly half of it if you get your car insurance with State Farm or the Texas Farm Bureau.

Always Get More Than the Minimum

When getting car insurance in Texas, you must always look for more than the minimum coverage. The legally required coverage in the state is peanuts. If you’re in a collision in which you are at fault, you will have to fork out a lot more than this to stay afloat. Consider higher limits and take the suggestions of your insurance advisors to mind when you’re looking. As always, you should get quotes from the different insurance providers in your city before buying a policy. The biggest mistake you can make is not getting your own quote. Your rates could be very different to anything you have seen here so far. If you want to save money look into getting cheap no deposit car insurance.

Published by Benjamin

Sr. Writer at Autoinsurancemonkey.com.