Best car insurance in Texas 2022

Best car insurance in Texas 2022

Farmers provides the cheapest auto insurance rates in Texas, but your policy premiums are also determined by the quantity of coverage, driving record, age, and credit score.

For instance, Esurance offers the lowest rates for drivers with a DUI conviction. Overall, USAA’s insurance is the most affordable, but it is only offered to service people and their qualified family members.

For those seeking a more localized answer, we have included the cheapest businesses by city, as well as the finest auto insurance companies in Texas for those hoping to strike a compromise between service quality and price.

Car Insurance in Texas

It is said that everything is larger in the Lone Star State. Unfortunately, this also applies to auto insurance costs in Texas, where monthly premiums are higher than the national average. Finding cheap auto insurance will be like trying to find the best BBQ: you will have to try different things.

How much is car insurance in Texas?

The average monthly cost of auto insurance in Texas is $270. However, keep in mind that the cost of your auto insurance will vary based on your age, gender, driving record, credit score, and other unique driving characteristics.

The auto insurance providers at the top of this list offer significantly lower rates than the Texas average. When beginning your search for affordable vehicle insurance, it’s helpful to know which companies offer the most competitive initial rates.

Car Insurance CompanyAverage Monthly Quote
Progressive$130
Mile Auto$131
Clearcover$153
Direct Auto$173
Safeco$181
Travelers$193
State Auto$195
SafeAuto$204
Nationwide$253
Liberty Mutual$269
The General$350
Stillwater$357
Hallmark$395
Disclaimer: actual quotes may vary based on the policyholder’s unique driver profile.

Cheapest Liability Auto Insurance in Texas

There are two components to liability insurance: bodily injury liability and property damage liability. Bodily injury liability covers medical bills you owe to injured people if an accident is your fault, while property damage liability pays to repair or replace the cars and property you damage in an at-fault accident. As you can see, liability insurance alone is a hazardous but certain approach to obtaining cheap vehicle insurance:

Car Insurance CompanyAverage Monthly Quote
Mile Auto$84
Progressive$90
Elephant$126
SafeAuto$129
Dairyland$130
Clearcover$13I
Liberty Mutual$196
Stillwater$212
Infinity$212
Nationwide$221
The General$245
Hallmark$259
Disclaimer: actual quotes may vary based on the policyholder’s unique driver profile.

Cheapest Full-Coverage Auto Insurance in Texas

You will be better protected with a full-coverage policy, but your auto insurance rates will be slightly higher. In addition to liability insurance to cover personal injury and property damage to others, you will also have comprehensive coverage to safeguard your vehicle from theft, weather, and vandalism, as well as collision coverage for your vehicle and medical costs in the event of an accident.

Mile Auto$157
Progressive$161
Clearcover$166
Elephant$189
Apparent$191
Direct Auto$200
Safeco$205
MetLife$206
Travelers$210
Kemper Preferred$216
State Auto$225
SafeAuto$228
Bristol West$250
Mercury$251
Nationwide$261
Disclaimer: actual quotes may vary based on the policyholder’s unique driver profile.

Best Car Insurance in Texas

Please wait. The lowest auto insurance is not always the best option. Nobody desires an insurance coverage from a company with awful scores for customer satisfaction and financial soundness. Instead, you may discover affordable auto insurance from the most reputable insurers. This table allows you to compare insurance premiums and the reputation of a company:

Car Insurance CompanyICSAverage Monthly Quote
Clearcover97$153
Nationwide89$253
Liberty Mutual82$269
MetLife72$206
Safeco86$181
State Auto76$195
Travelers80$193
Disclaimer: actual quotes may vary based on the policyholder’s unique driver profile.

Rates for Texas auto insurance based on Driving and Accident Histories

If you have accumulated offenses on your driving record, such as speeding tickets, DUIs, and car accidents, auto insurance providers will be unwilling to offer you the most affordable premiums. This emphasizes the importance of obtaining quotations from as many insurance providers as possible until you discover the correct one.

Cheap Car Insurance for Good Drivers in Texas

To be called a good driver, you must have a clean driving record for three to five years, with few or no at-fault accidents, speeding tickets, DUIs, or other fines. If you are able to do so, you will have access to some of the most affordable auto insurance in Texas. Check out these auto insurance quotes for safe drivers in Texas:

Car Insurance CompanyAverage Monthly Quote
Progressive$124
Mile Auto$127
Foremost GroupSelect$147
Apparent$149
Clearcover$150
Elephant$155
Direct Auto$156
Safeco$169
Kemper Preferred$181
Travelers$184
Mercury$193
State Auto$195
SafeAuto$197
Disclaimer: actual quotes may vary based on the policyholder’s unique driver profile.

In Texas, drivers with DUI pay less for car insurance.

A DUI has negative consequences, including increased auto insurance prices. However, if you take the time to investigate your options, you won’t have to settle for exorbitant fees. Even drivers with an imperfect driving record can find affordable auto insurance. Consider the least expensive insurance alternatives for Texas drivers with DUIs.

Car Insurance CompanyAverage Monthly Quote
Mile Auto$91
Kemper Preferred$135
Clearcover$145
Elephant$151
Progressive$159
Liberty Mutual$238
SafeAuto$242
GAINSCO$245
Midvale Home & Auto$245
Mercury$268
Nationwide$273
Jupiter$281
Disclaimer: actual quotes may vary based on the policyholder’s unique driver profile.

SR-22 Insurance in Texas

If you are caught driving without a license, have a DUI, or commit another significant offense, you may be required to obtain SR-22 insurance before you can drive again. This reduces your insurance alternatives and increases the cost of your liability coverage. But with these providers, you can find affordable SR-22 insurance.

InsurerCost per yearCost per year w/ SR-22 and DUI
USAA $481 $824
State Farm $748 $1,205
Geico $1,030 $1,804
Allstate $1,669 $3,196
*USAA is only available to current and former military members and their families.

Texas drivers in at-fault accidents can get cheap car insurance.

When purchasing auto insurance, a collision for which you are at fault will increase your premiums. But do not lose hope. There are numerous auto insurance firms in Texas that offer reasonable auto insurance premiums to drivers with a history of auto accidents. This list will get you started:

Car Insurance CompanyAverage Monthly Quote
Progressive$142
Mile Auto$171
Clearcover$196
Elephant$205
Apparent$207
Travelers$208
Safeco$211
Kemper Preferred$219
SafeAuto$244
Aggressive$303
GAINSCO$313
Liberty Mutual$317
Stillwater$397
Infinity$404
Disclaimer: actual quotes may vary based on the policyholder’s unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Texas

Texas has the most highway miles of any state. And you are aware that not all Texas drivers adhere to the speed limit. When you receive a speeding ticket, your auto insurance costs often increase. But when shopping around, keep an eye out for these insurers that provide the cheapest rates to drivers with speeding tickets:

Car Insurance CompanyAverage Monthly Quote
Mile Auto$145
Clearcover$152
Progressive$159
Elephant$197
Safeco$235
Direct Auto$235
Travelers$235
Kemper Preferred$238
Bristol West$258
Nationwide$288
Liberty Mutual$319
The General$441
Hallmark$482
Disclaimer: actual quotes may vary based on the policyholder’s unique driver profile.

Car Insurance Rates in Texas Cities

Where automobile accidents are more frequent, insurance costs rise. While auto insurance prices in Texas are generally higher than the national average, major cities such as Houston, Dallas, and Austin have significantly higher average costs. Find your city in the list below to compare average rates across the state of Texas.

CityAverage Monthly Quote
Houston $301
San Antonio $233
Dallas$262
Fort Worth$230
Austin$231
Arlington$250
El Paso$225
Spring$280
Katy$290
Irving$260
Corpus Christi$237
Lubbock$227
Plano$245
Killeen$229
Garland$255
Amarillo$234
Grand Prairie$262
McKinney$272

Texas Driving Facts

Texas has minimum insurance requirements, just like every other state. In addition, all Texas drivers will be required to attend their local DMV and may be forced to rely on public transportation at some time. The pages that follow detail Texas’ minimum insurance requirements, DMV services, and public transportation choices.

Minimum Car Insurance Requirements in Texas

The following are the minimum liability insurance requirements for private passenger automobiles in Texas:

  • $30,000/$60,000 bodily injury liability per person/accident

Drivers are protected by bodily injury liability coverage if their vehicle is involved in an accident that injures another person. The minimal limits mandated by Texas state law are $30,000 for the death or injury of a single victim and $60,000 for the death or injury of several victims resulting from an automobile accident.

This sort of insurance is denoted by the designation 30/60, which refers to the dollar limits for each minimum. In the event of an accident, liability coverage can assist at-fault parties with the costs associated with a subsequent court procedure. The state of Texas mandates bodily injury coverage as part of the minimum coverage requirements.

  • $25,000 per incident property damage liability

Texas mandates a minimum property damage liability coverage level of $25,000 per vehicle. This policy pays for the repair of another individual’s property if the insured motorist is determined to be at fault and held liable in a motor vehicle collision. Property damage coverage will also pay for legal fees if an accident-related lawsuit is filed against an insured driver.

References :

DPS Texas Gov

Insurify

Money Geek

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