Cheapest Car Insurance Companies List - To help you find the best cheap auto insurance, our editorial team analyzed thousands of auto insurance quotes from the best insurance companies in Texas. We've ranked the cheapest companies for different drivers based on factors such as cost, customer support and coverage.
Liability coverage meets the minimum Texas state requirements of $30,000 personal injury liability and $60,000 per accident and $25,000 property damage coverage. A full coverage quote includes higher liability limits and comprehensive and collision coverage.
Cheapest Car Insurance Companies List
For minimum liability, State Farm offers the cheapest rate in Texas at $450 per year. That's 32% cheaper than the average cost of minimum coverage in Texas, which is $666 per year. Other cheaper companies include USAA and Geico, although USAA is only available to current and former military members and their families.
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The average monthly cost of auto insurance in Texas is $56 per month for a minimum liability policy.
If you're looking for the cheapest car insurance, you can buy a policy that only meets Texas' minimum liability insurance requirements.
Minimum-coverage car insurance estimates meet Texas legal requirements, including bodily injury liability of $30,000 per person and property damage coverage of $60,000 and $25,000 per accident.
Bodily injury liability limits for Texas policies of $60,000 per accident may not cover the cost of injuries in a major accident. And liability policies do not cover a minimum amount of damage to your vehicle, which is covered by comprehensive and collision insurance included in full coverage policies.
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USAA, Geico and State Farm are the cheapest insurance companies in Texas. All three policies offer full coverage for less than $1,400 per year, which is much cheaper than average.
State Farm and Geico have the cheapest rates for Texas drivers who have received speeding tickets, each at least $400 less than the average.
A speeding ticket on your driving record can also affect your car insurance rates, although it is less common than an accident. The average auto insurance rate in Texas rises to 93% for drivers with one speeding ticket on their record.
State Farm, Geico and USAA raise the lowest car insurance rates after an accident. One of the most important factors that affect car insurance rates is your driving history. If you are at fault for an accident in Texas, insurance companies will increase your rates by an average of 149% for full coverage.
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State Farm, Zico, and USAA are the most affordable companies for DUI or SR-22 drivers, 36%, 16%, and 32% cheaper than the state average, respectively. The rate for Texans who receive a citation for driving under the influence (DUI) can nearly double.
State Farm is the cheapest company for drivers with bad credit, with an average rate of $2,034 per year for full coverage. Insurance companies set rates based on a driver's perceived risk, and many insurers are convinced that drivers with low credit scores are more likely to make claims.
Teenage drivers are more likely to get into accidents than more experienced drivers, which is why insurance companies charge them a higher rate. The average minimum coverage rate for an 18-year-old Texan driver is 221% higher than the quote for a 30-year-old driver.
Geico offers the best rates in Texas for teenagers for minimum coverage and full coverage. An annual policy costs $1,329 for minimum coverage and $3,082 for full coverage.
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Young drivers should get full cover insurance if they drive a new car and can afford it. The cost difference is significant; The average annual premium for minimum coverage is just $2,136, compared to $5,099 for full coverage. However, collision and comprehensive coverage are a big help for teenagers, who are statistically more likely to get into an accident and have to pay for car repairs.
State Farm is the best cheap auto insurance company in Texas, thanks to relatively cheap rates and the best customer service ratings in the state.
The best car insurance companies balance affordability and experience to offer drivers great value. State Farm, Geico, USAA and Chubb are the top companies in Texas.
VeriBest is the cheapest city in Texas for auto insurance, with an average rate of $1,500 per year for a full coverage policy. Aldine is the most expensive city at $2,458 per year.
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How much does the average person pay for auto insurance in the state of Texas? Texas drivers looking for a full coverage policy will pay an average of $1,872 per year. But the average rate for full coverage can vary by $958 per year depending on where you live.
Texas sets statewide minimum auto insurance liability limits. Other types of coverage are optional, such as collision, comprehensive protection, personal injury and uninsured motorist coverage.
We generally recommend that your coverage limit exceed the state-mandated minimum. If you have a serious car accident, your insurer will only cover you up to the amount of your policy. You will be able to pay any medical bills or car repairs that are more expensive than your car insurance limits.
State Farm has the best rate for minimum coverage, averaging $450 per year, and the lowest rate for full coverage, at $1,094 per year. Your rate will vary based on where you live, your car and your driving history.
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The average cost of auto insurance in Texas is $666 per year for minimum coverage, and an average of $1,872 for full coverage.
For full coverage policies, insurance in Texas is 4% cheaper than the national average, but it is one of the most expensive states for car insurance in the South. Part of the reason it's more expensive is that Texas has higher minimum insurance requirements than many other states. Texas also has several large cities with heavy traffic, resulting in a high risk of accidents and theft.
The minimum auto insurance required in Texas is often called 30/60/25, which means $30,000 per person in bodily injury liability and $60,000 per incident and $25,000 in property damage liability coverage.
We've collected thousands of rates by zip code for the largest insurance companies in Texas. Quotes for a 30-year-old man with average credit driving a 2015 Honda Civic EX
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For our minimum coverage policies, we've collected quotes for policies with the minimum required limits in Texas.
For other rate analysis (credit score, accident history), the original policy listed above has been modified to reflect the new driver. Rates for young drivers are quoted as minimum cover policies, unless otherwise stated.
His analysis used insurance rate data from Quarterly Information Services. These rates were taken from publicly available insurer filings and should be used for comparison purposes only - your own quotes may differ.
To get an insurance quote by phone, call: (855) 596-3655 Agents available 24 hours a day, 7 days a week! To help you find the best cheap auto insurance in California, our editorial team compares quotes for the best auto insurance companies in California in each zip code. We've ranked the best California companies based on customer service, benefits and availability of coverage. We've also rated the best companies based on affordability for different drivers.
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To find the cheapest companies, we averaged quotes for liability-only coverage, which meets California state minimum requirements of $15,000 per person and $30,000 per accident and property damage coverage of $5,000. Quotes for comprehensive coverage policies include state minimums and higher liability limits than collision and comprehensive coverage.
Geico has the cheapest auto insurance for most drivers in California. Companies charge an average of $390 per year for a minimum liability policy. That's 35% cheaper than the statewide average.
California drivers can get affordable auto insurance from AAA Northern California (AAA NorCal) or Progressive. Both auto insurers offer cheap rates that are much cheaper than average, and AAA has the best customer support scores in the state.
AAA offers auto insurance to Northern California residents through AAA Northern California, also known as AAA NorCal or CSAA, and the Auto Club of Southern California (AAA SoCal) covers Southern California drivers.
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Mercury has the cheapest full coverage auto insurance quotes in California, at $1,731 per year. Geico and Progressive also offer quotes under $2,000 per year.
Minimum coverage car insurance quotes meet California's legal minimum requirements, including bodily injury liability of $15,000 per person and $30,000 per accident and property damage coverage of $5,000.
Unlike full coverage, minimum coverage does not include comprehensive and collision insurance, which protects you against vehicle damage following a collision, theft, vandalism or natural disaster - regardless of who is at fault.
Although full coverage costs more, it is a good idea for most drivers and new car owners to purchase higher liability coverage limits and add comprehensive and collision coverage. This is also necessary if you have a car loan or lease.
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One accident and a claim on your driving record can add to your car
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