The Lone Star has miles of freeway to explore, but it will come at a high price. In fact, the average auto insurance premiums in the state were estimated at USD1,699 for the year. That adds up to $ 141.58 to include in your budget.
When looking for the cheapest option for car insurance in Texas, it is important that you shop around. Although various factors related to your driving can play a role in the cost of your insurance premium, shopping can save you hundreds of dollars each year.
Today I’m going to share the best auto insurance companies in Texas that can offer cheap auto insurance.
Summary: Best Auto Insurance In Texas
This summary table is designed to help you better understand what each company has to offer.
|providers||Best for||Average premium
(monthly rate for 25 year old women who drive 17 Jettas without previous accidents)
|Liberty Mutual||Do it yourself||$ 252.50|
|Esurance||Tech-savvy||N / A|
|District farm||Pan forward||$ 175.41|
|Progressive||Competitive premiums||$ 144.70|
|USAA||Military personnel||Varies – you need a military ID to receive offers|
Above average premiums
The average premiums were calculated using the following dummy profile:
- Jennifer, 25 years old, is single, employed and has no previous accidents.
- She rents a 2017 Volkswagen Jetta 1.4 SE.
- She rents an apartment at 77096 Houston.
- She secures every logical discount and opts for telematics programs (Progressive Snapshot, etc.).
If your profile does not match Jenny’s, your offers will not be displayed. Insurance companies treat each individual case differently. While Jenny has a lot to do with State Farm, you may get even better deal with Liberty Mutual.
The only way to know for sure and save the most is to receive lots of offers!
Gabi is not an insurer, but an aggregator. Much like Kayak.com shows you multiple flight options from different airlines, Gabi shows you competing insurance coverage offers from different insurers.
Aggregators are not new to the world of auto insurance, so Gabi had to get noticed somehow. The competitive advantage is great – you can upload yours through Gabi existing Contract terms and rewards, and Gabi will do what she can to beat them. Once you’ve bought a policy through Gabi, they’ll remember your terms and try to exceed them every six months. So it’s no wonder that Gabi users save an average of over $ 961 on their insurance.
Learn more about Gabi or read our full review.
Allstate is a well-known insurance company in the US that does more than just make memorable Mayhem commercials. Aside from the Mayhem madness that keeps us all entertaining during the mandatory commercials, Allstate has solid options for auto insurance. Plus, there are several other types of insurance that can come in handy when you are considering bundling them up to get more cash in your wallet.
While Allstate isn’t known for offering the cheapest coverage, it offers a wide range of discounts to keep costs down. If you qualify for one of the many discounts available, Allstate should be a serious contender in your search for affordable auto insurance.
Another important feature of Allstate is the Claims Satisfaction Guarantee. If you are not happy with your claims experience, there are some documentation you can submit and possibly get credit for your auto insurance. The company promises up to six months of credit for a future invoice.
You can enjoy solid customer service and affordable coverage when you find the right discounts for your situation.
Learn more about Allstate or read our full review.
If you’d prefer to take matters into your own hands, Liberty Mutual is a great option. You can find simple car insurance policies with just a few bells and whistles. While the options are somewhat basic, the lower prices can make this basic experience worth the tradeoff.
When you work with Liberty Mutual, you have all the tools you need to sign up for and manage your policy online. The platform makes it easy to manage whatever actions you might want to take.
The company is known for offering a wide variety of discounts, especially for bundling your other insurance needs. You can learn more about the discount options that may apply to your particular situation by submitting your information for a quote.
Learn more about Liberty Mutual or read our full review.
Esurance offers a tool that allows you to compare multiple insurers in one location. With the comparison function, you can call up offers from different providers to quickly sort your cheap car insurance options.
In addition to the comparison tool, Esurance has a comprehensive website that makes it easy for you to manage your insurance needs. Some of the things you can do to manage your policy online are print out your insurance card, customize your insurance policy, and submit your claim without speaking to an agent.
Overall, the company offers great prices. However, if you qualify for a discount, you can save even more!
Learn more about Esurance or read our full review.
State Farm is another recognized insurance company that can offer affordable auto insurance. You can enjoy competitive base prices and a variety of discounts so that your insurance premiums fit your budget well.
In addition to competitive pricing, State Farm can help prepare you for your future insurance needs. The company provides a tool to help you understand how your rate would go up and down due to different changes in your life. For example, you might want to know how much your insurance premiums would increase if you got into a Fender Bender or added your teen to your policy. Having a baseball figure in mind can be helpful when looking to the future.
Learn more about State Farm or read our full review.
Like a good celebrity, Progressive hides his age well. I thought you were a young, hip newcomer, due to your bubbly voice-over artist, industry-leading technology, and online voice-only status.
In reality, Progressive is just as old as Morgan Freeman. Founded in 1937, Progressive remains relevant (and competitive) by delivering a great app, website, and telematics experience while undercutting its competitors on premiums. It’s not uncommon for Progressive to offer its competitors similar coverage for over 30% less.
What’s the catch? Well, their bundle discounts are high and not anyone gets such steep discounts. Nonetheless, Progressive secures all tariffs offered with strong customer service and reliability.
Learn more about Progressive or read our full review.
USAA is aimed exclusively at the military and their families. They’re so strict you can’t even get one Quote without a US military ID, hence the missing quote above (grandpa served, but not me).
But if you do When you qualify for USAA coverage, you’ll be pampered. USAA is known for combining highly competitive rewards with industry leading customer service. They don’t want to upset military families, but rather support them genuinely and authentically. In addition, they offer some military-related benefits that a citizen would never have thought of, such as: B. a high discount if you are not stationed at your car for a long time.
Learn more about USAA or read our full review.
Who Has the Best (and Cheapest) Auto Insurance in Texas?
It is important to note that the premiums for auto insurance are very unique to individuals. There are many different factors in your life that can affect your insurance premiums, such as: B. Your age, creditworthiness, gender, and more. Since there are so many factors, you will likely get a different offer than me.
Although the rates are individual, you should shop around for auto insurance companies that are known for providing affordable coverage in Texas. If you start with the cheapest companies, you are sure to get a competitive price.
Texas Minimum Coverage Requirements for 2020
When taking a closer look at your auto insurance options, it is important to understand the minimum insurance requirements. In Texas, you will need at least the following:
- $ 30,000 personal injury coverage per person.
- $ 60,000 personal injury coverage per accident.
- Property Damage Coverage of $ 25,000.
Perhaps these requirements are referred to as 30/60/25 coverage. Here is an example. Let’s say you are in a car accident that is your fault. At that point, your insurance would cover up to $ 60,000 in personal injury costs for the accident. Plus $ 25,000 in property damage coverage. However, it is very likely that the costs will exceed your coverage amount. If so, you would be financially responsible for the rest of the damage.
You should consider getting more insurance than the minimum amount. Insurance costs will be higher every year, but the safety cannot be underestimated. You don’t want to get into a situation where you can’t afford to cover the financial consequences of an accident.
What if you get run over?
It is important that you have your current insurance card with you when driving in Texas. Without current insurance, you could be fined up to $ 350. In addition to the initial fine, you may need to submit a Financial Responsibility Certificate form that will allow you to restore your driving skills. You may have to pay a $ 250 fee for three years after being caught without insurance once.
Is Texas a Flawless State?
Texas is not a flawless state. This means that if you are to blame for an accident, the responsibility for the financial damage rests on your shoulders. Hence, it is important to ensure the correct coverage for your auto insurance in Texas. Otherwise, you could find yourself in an expensive situation.
Teen driving in Texas
If you have a teenager who wants to start driving, they can take the instructional component of driver education when they are 14. However, he cannot apply for his learner driver’s permit until the age of 15. At this point, they will have to wait a full year to apply for a provisional driver’s license.
With the provisional driver’s license there are still restrictions on driving. For example, they cannot operate a car between 12 p.m. and 5 a.m. unless it is necessary to get to work, school, or a medical facility, and they cannot drive a vehicle with more than one passenger under the age of 18 unless they are related. Once they are 18 years of age, their provisional driver’s license expires and must be renewed within 30 days in order to obtain full driving authorizations.
The The cost of owning a car can add up quickly. With the right auto insurance, you can ensure a cheaper experience. When shopping by the best guidelines, start with some of my top tips for business to get a high score.