Top Rated Insurance Companies In Texas - To help you find the best cheap auto insurance, our editorial team has analyzed thousands of auto insurance quotes from the best insurance companies in Texas. We've identified the cheapest companies for different drivers based on factors such as cost, customer support and coverage.
Liability rates meet Texas minimum requirements of $30,000 per person for bodily injury liability and $60,000 for each accident and $25,000 for property damage. Comprehensive coverage offers include higher liability limits as well as comprehensive coverage and collision coverage.
Top Rated Insurance Companies In Texas
For the lowest 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 low-cost carriers include USAA and Geico, but USAA is only available to current and former members of the military and their families.
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If you are looking for the cheapest auto insurance, you can purchase a policy that meets the minimum requirements for liability insurance in Texas.
The minimum amount of auto insurance required by law in Texas includes $30,000 per person for bodily injury and $60,000 per accident and $25,000 for property damage.
Bodily injury liability limits for Texas policies of $60,000 per accident do not cover the cost of injuries in a major accident. And the minimum liability policy does not cover damage to your vehicle that is covered by the comprehensive and collision insurance that is included in the comprehensive insurance.
USAA, Geico and State Farm are the cheapest insurance companies in Texas. All three offer comprehensive coverage policies for less than $1,400 per year, which is much cheaper than the average.
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State Farm and Geico have the cheapest rates for Texas drivers with speeding tickets, each at least $400 lower than average.
A speeding ticket on your driving record can also affect your car insurance rates, but usually not as much as an at-fault accident. Average Texas auto insurance rates increase 93% for a driver with one speeding ticket.
State Farm, Geico, and USAA raise auto insurance the least 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 raise your rates by an average of 149% for full coverage.
State Farm, Geico, and USAA are the most affordable companies for DUI or SR-22 drivers, offering rates 36%, 16%, and 32% lower than the national average, respectively. Texas residents who receive a driving under the influence (DUI) ticket can see their rates nearly double.
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State Farm is the cheapest company for drivers with bad credit, with an average price of $2,034 per year for full coverage. Insurance companies set rates based on the risk a driver poses, and many insurers believe that drivers with poor credit are more likely to file a claim.
Teen drivers are more likely to get into an accident than more experienced drivers, which is why insurance companies charge them higher rates. The average minimum coverage rate for an 18 year old Texas driver is 221% higher than the rates for a 30 year old driver.
Geico offers the best rates for Texas teenagers on minimum coverage and comprehensive coverage. An annual policy costs $1,329 for minimum coverage and $3,082 for full coverage.
Teen drivers should get comprehensive insurance if they drive a new car and can afford it. The cost difference is considerable; the average annual premium is $2,136 for minimum coverage and $5,099 for full coverage. However, collision and comprehensive coverage are especially beneficial for teenagers, who are statistically more likely to be in an accident and have to pay for their car to be repaired.
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State Farm is the best cheap auto insurance company in Texas, thanks to relatively low rates and top customer service ratings in the country.
The best auto insurance companies balance affordability and experience to provide drivers with great value. The top companies in Texas are State Farm, Geico, USAA and Chubb.
Veribes is the cheapest place to get auto insurance in Texas, with an average price of $1,500 per year for comprehensive insurance. Aldine is the most expensive city at $2,458 per year.
On average, how much do people pay for auto insurance in Texas? Texas drivers looking for a comprehensive coverage policy pay an average of $1,872 per year. But average prices can vary by $958 a year for full coverage, depending on where you live.
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Texas sets statewide minimum auto insurance liability limits. Other types of coverage are optional, such as collision coverage, comprehensive coverage, personal injury coverage and uninsured motorist coverage.
We usually recommend that you increase your coverage limits above state minimums. If you are involved in a serious traffic accident, the insurance company will only cover the amount that is on your policy. You will be willing to pay any medical bills or car repair costs that are more expensive than your auto 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 price will vary based on where you live, your vehicle and your driving history.
The average cost of auto insurance in Texas is $666 per year for minimum coverage and an average of $1,872 for full coverage.
Cheap Insurance Rates In Texas
Insurance in Texas is 4% cheaper than the national average for a comprehensive insurance policy, but it is one of the most expensive states in the South for auto insurance. Part of the reason it's more expensive is that Texas has higher minimum insurance requirements than many other states. Texas has several large cities with heavy traffic, which increases the risk of car accidents and theft.
The minimum auto insurance required in Texas is often called 30/60/25, which means $30,000 per person and $60,000 per accident for bodily injury liability coverage, plus $25,000 for property damage liability coverage.
We've collected thousands of Texas zip code quotes for the largest insurance companies. The citations are for a 30-year-old male with average credit who drives a 2015 Honda Civic.
For our minimum coverage policies, we've collected quotes for policies with the lowest required limits in Texas.
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To analyze the other rates (credit score, accident history), the basic policy above has been modified to reflect the new driver. Young driver rates are quoted as minimum cover policies unless otherwise stated.
Insurance rate data from Quadrant Information Services was used in the analysis. These prices are publicly available on insurance companies' apps and should be used for comparison purposes only - your individual quotes may vary.
For an insurance quote over the phone, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! MyBlue Health Silver plan from Blue Cross and Blue Shield of Texas is the cheapest Silver health insurance in Texas, $400 for a 40-year-old in Houston.
The cheapest health insurance plan in Texas varies by county. In 37% of Texas counties, the cheapest Silver Blue Advantage Silver HMO plan is. Another widely available low-cost option is FirstCare Prime Silver HMO. You can find low-cost subsidized policies from 10 health insurance companies on the Texas Health Insurance Exchange, although not all companies offer plans in all counties.
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The average cost of a 40-year-old Texas Silver health insurance plan is $575 per month, up 13% from last year.
To help you find the best health insurance plan available for the level of coverage you need, we've compared Texas policies by plan level and found the cheapest health insurance available in the state.
The mix of insurance companies and health plans varies by county, so not all of the above are available in all areas. We recommend using them as a starting point to estimate the monthly premiums you can expect versus deductibles and out-of-pocket costs.
Health insurance costs rise with age, and a 40-year-old pays about half of what a 60-year-old would pay for a Silver plan.
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Deciding which health plan is best for you and your family depends on many factors, including:
Consumers with high medical needs, especially those who require routine prescriptions or expensive procedures, should choose a plan with better coverage, such as a Gold Tier plan. These plans have higher monthly costs, but can reduce your out-of-pocket health care costs and save you money in the end.
Gold plans have much lower copays, coinsurance, and deductibles, meaning each provider visit costs less than a lower-tier plan.
It's especially important to consider prescription drug copayments and coinsurance because this is usually one of the plan's benefit areas with the highest daily use.
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Silver plans are the only plans that include an income reduction, allowing low-income households lower co-pays, deductibles and coinsurance than a standard plan.
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