Hold your spurs, Texas drivers, because finding the cheapest car insurance in Texas can feel like wrangling a longhorn in a hurricane! But fear not, fellow motorists, for this blog is your trusty steed, ready to guide you through the dusty plains of insurance quotes and towards the oasis of affordable coverage.
Cheap car insurance in Texas of 2024
If you are looking for best and cheap car insurance in Texas for 2024 here is the list
1. Texas Farm Bureau car insurance
- Pros: Boasts the lowest average annual rates for both full and minimum coverage, offers discounts for good students, seniors, and military members.
- Cons: Limited to Texas residents, website can be clunky, may not be the best choice for high-risk drivers.
- Price: Full coverage: $106/month, Minimum coverage: $35/month
- Website: https://www.txfb-ins.com/
2. State Farm car insurance
- Pros: Widely recognized brand with excellent customer service, offers a variety of discounts and coverages, solid choice for young drivers.
- Cons: Can be pricier than Texas Farm Bureau for full coverage, not the cheapest for minimum coverage either.
- Price: Full coverage: $110/month, Minimum coverage: $38/month
- Website: https://www.statefarm.com/
3. GEICO car insurance
- Pros: Known for its user-friendly website and app, offers competitive rates for minimum coverage, good option for drivers with speeding tickets.
- Cons: Customer service may not be on par with other companies, coverage options can be limited, not the best for low-mileage drivers.
- Price: Full coverage: $119/month, Minimum coverage: $42/month
- Website: https://www.geico.com/
4. USAA car insurance
- Pros: Top-notch customer service, excellent coverage options, highly competitive rates for military members and their families.
- Cons: Not available to everyone (restricted to military personnel and their families), may have higher rates for civilians.
- Price: Full coverage: Varies based on military service, Minimum coverage: Varies based on military service
- Website: https://www.usaa.com/
5. Mercury Insurance car insurance
- Pros: Offers discounts for low mileage, good student grades, and anti-theft devices, known for its quick and easy online quote process.
- Cons: Limited availability in some areas, may not offer the most comprehensive coverage options, not the best choice for high-risk drivers.
- Price: Full coverage: $123/month, Minimum coverage: $41/month
- Website: https://www.mercuryinsurance.com/
Beyond the Big Names: Exploring Hidden Gems and Alternative Routes
Remember, the cheapest isn’t always the best! Be sure to compare coverage options, deductibles, and customer service reviews before making a decision. Consider smaller regional carriers or online-only insurers, who may offer competitive rates and niche discounts.
Fueling Up with Savings: Unlocking the Secrets of Cheap Car Insurance
- Shop around: Don’t just stick with your current insurer! Get quotes from at least three different companies to compare rates.
- Bundle up: Combining your car insurance with other policies like homeowners or renters insurance can lead to significant discounts.
- Raise your deductible: Increasing your deductible can lower your monthly premium, but make sure you can afford to pay it in case of an accident.
- Drive safely: Maintaining a clean driving record is the best way to keep your rates down.
- Consider usage-based insurance: These programs track your driving habits and offer discounts for safe driving.
| Insurance Company | Full Coverage (Avg. Monthly) | Minimum Coverage (Avg. Monthly) | Pros | Cons | Website |
|---|---|---|---|---|---|
| Texas Farm Bureau | $106 | $35 | Lowest rates, discounts, limited to TX | Limited availability, website clunky | https://www.txfb-ins.com/ |
| State Farm | $110 | $38 | Widely recognized, good for young drivers | Pricier for full coverage | https://www.statefarm.com/ |
| GEICO | $119 | $42 | User-friendly, good for minimum coverage | Limited coverage options, not for low mileage | https://www.geico.com/ |
| USAA | Varies | Varies | Top-notch service, for military | Restricted to military | https://www.usaa.com/ |
| Mercury Insurance | $123 | $41 | Discounts, quick online quotes | Limited availability, not for high-risk drivers | https://www.mercu |
FAQ
Q: Who has the cheapest car insurance in Texas?
A: It depends on your driving profile and needs! Texas Farm Bureau generally offers the lowest average rates for both full and minimum coverage, but consider other factors like discounts and customer service.
Q: How much is car insurance in Texas?
A: On average, expect to pay around $1,584 per year for full coverage and $874 for minimum coverage. However, your individual rates will vary based on age, driving history, vehicle type, and location.
Q: What is the minimum car insurance required in Texas?
A: Texas requires 30/60/25 coverage: $30,000 per person bodily injury, $60,000 per accident total bodily injury, and $25,000 property damage. However, this might not be enough for comprehensive protection.
Q: How can I save money on car insurance in Texas?
A: Shop around! Compare quotes from multiple companies. Bundle up policies. Raise your deductible (if affordable). Maintain a clean driving record. Consider usage-based insurance for safe driving discounts.
Q: What are some good car insurance companies in Texas?
A: Several companies shine in Texas. Texas Farm Bureau offers low rates, State Farm excels for young drivers, GEICO is great for minimum coverage, USAA boasts top-notch service for military, and Mercury Insurance features quick online quotes. Analyze their pros and cons to find the best fit.
Q: Do I need a Texas driver’s license to get car insurance in Texas?
A: Yes, a valid Texas driver’s license is mandatory to purchase car insurance in the state.
Q: What else should I consider when choosing car insurance in Texas?
A: Don’t just chase the lowest price! Carefully review coverage options, deductibles, and customer service reviews. Consider regional carriers or online-only insurers for potentially better deals.