Cheap Full Coverage Auto Insurance Texas - To help you find the cheapest car insurance, our editorial team has 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 like cost, customer support and coverage.
Liability citations meet the Texas minimum of $30,000 per person for bodily injury liability and $60,000 for accident and $25,000 for property damage coverage. Comprehensive coverage quotes include higher liability limits as well as comprehensive and collision.
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For minimum liability, State Farm offers the cheapest rate in Texas at $450 per year. That's 32% less 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 military members and their families.
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If you are looking for the cheapest car insurance, you can purchase a policy that meets the minimum Texas liability insurance requirements.
Minimum insurance quotes meet legal requirements in Texas, which include $30,000 per person for bodily injury and $60,000 for accident and $25,000 for property damage.
Bodily injury liability limits for Texas policies of $60,000 per accident may not cover the costs of injuries in a major accident. And the minimum liability policy does not cover damage to your vehicle, which is included in the comprehensive and collision insurance included in the comprehensive coverage policy.
USAA, Geico and State Farm are the cheapest insurance companies in Texas. All three offer comprehensive coverage policies that start at less than $1,400 per year, which is much cheaper than the average.
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State Farm and Geico have some of the cheapest rates for Texas drivers with speeding tickets, each at least $400 less than the average.
A speeding ticket on your driving record can also affect your car insurance rate, but usually not as much as an at-fault accident. Average auto insurance rates in Texas increase by 93% with a speeding ticket on a driver's record.
State Farm, Geico, and USAA will raise your car insurance rates the least after an accident. One of the most important factors that affects car insurance rates is your driving history. If you are at fault for an accident in Texas, insurance companies will increase rates by an average of 149% for full coverage.
State Farm, Geico and USAA are the cheapest carriers for DUI or SR-22 drivers, offering 36%, 16% and 32% lower rates than the state average. Texans who receive a citation for driving under the influence (DUI) can find their fees nearly double.
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State Farm is the cheapest company for drivers with bad credit, at $2,034 a year for full coverage. Insurance companies set rates based on a driver's risk, and many insurers believe that drivers with poor credit scores are more likely to file a claim.
Teenage drivers are more likely to get into accidents than experienced drivers, which is why insurance companies charge them higher rates. Average minimum insurance rates for an 18-year-old Texas driver are 221% higher than a 30-year-old driver's quote.
Geico Texas offers the best rates for minimum coverage and full coverage for teenagers. 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 newer car and can afford it. The difference in price is considerable; the average annual premium for minimum coverage is $2,136 and for full coverage is $5,099. However, collision and comprehensive coverage is especially beneficial for teenagers, who are statistically more likely to be involved in an accident and have to pay for their car to be repaired.
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State Farm is the cheapest auto insurance company in Texas, thanks to relatively low rates and the highest customer service ratings in the state.
The best car insurance companies balance affordability and experience to offer drivers great value. The top companies in Texas are State Farm, Geico, USAA and Chubb.
Veribest is the cheapest city in Texas for car insurance, with an average rate of $1,500 per year for a full coverage policy. Oldin is the most expensive city at $2,458 per year.
How much do people pay on average in Texas? Texas drivers seeking a comprehensive coverage policy pay an average of $1,872 per year. But average rates can vary by $958 a year for full coverage, depending on where you live.
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Texas has the lowest statewide 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 car accident, the insurer will only cover you up to the amount of your policy. You will be willing to pay medical bills or car repair costs that are more than your car insurance limits.
State Farm has the best rate for minimum coverage, at an average cost of $450 per year, and the lowest rate for full coverage, at $1,094 per year. Your rate will vary depending 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 $1,872 for full coverage on average.
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For a comprehensive coverage policy, insurance in Texas is 4% cheaper than the national average, but it is one of the most expensive states in the South to insure cars. One reason it's expensive is that Texas has higher minimum insurance requirements than many other states. Texas also has several large cities with heavy traffic, which leads to a high risk of car accidents and theft.
The minimum required auto insurance in Texas is often called 30/60/25, which means $30,000 bodily injury liability coverage per person and $60,000 per incident, plus $25,000 property damage liability coverage.
We have collected thousands of rates from zip codes in Texas for major insurance companies. Quote is for a 30 year old male with average credit driving a 2015 Honda Civic EX.
For our minimum coverage policies, we have compiled quotes for policies with the minimum limits required in Texas.
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To analyze other charges (credit score, accident history), the basic policy listed above has been modified to reflect the new driver. Rates for new drivers are quoted as minimum insurance policies unless otherwise stated.
The analysis used insurance rate data from Quadrant Information Services. These rates are clearly taken from insurer claims and should be used for comparison purposes only - your individual quote may be different.
To get an insurance quote over the phone, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! Whether you're stuck in bumper-to-bumper traffic in Austin, trying to merge into Houston, or just trying to get through the Dallas/Fort Worth area, Texans are safe. Lots of private cars for transportation. With a car, car insurance carries liability because drivers are legally required to have a minimum liability. Every driver in Texas wants protection, but doesn't want to overpay for coverage. These are the top 10 cities in Texas with the cheapest car insurance options based on our state's most populous cities:
*HelpInsure Methodology: Based on the most popular zip code in each county for each city, female driver, married, age 25-64, average credit score, driving, driving more than 18,000 miles per year. In the last 3 years, caused a traffic accident or received a speeding ticket.
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As you can see, drivers in Lubbock are the best because their premiums are the lowest. In contrast, drivers in Houston, TX and Corpus Christi, TX may pay slightly more than most metro areas in the Lone Star State. No matter where you live, drivers need coverage and can take advantage of several ways to save on car insurance premiums.
As you can see, residents of Lubbock, Austin, El Paso, Laredo, and Fort Worth, Texas have some of the cheapest car insurance rates in the state, but which carriers offer the best rates in those cities? If you just want to stay legal or have comprehensive coverage for your car, take a closer look at the best insurance brands available for motorists:
Drivers may be surprised to learn that there are many ways they can save on car insurance policies. From safer driving to being a student, packages and more are all affordable ways for drivers to save more on coverage. Not all discounts will work for your needs, but the good news is that there are many ways to get discounts on car insurance, and by talking to your agent, you can find ways to save. Check out popular savings options available to drivers
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