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Jan 13 2020

Cheap full coverage auto insurance ( Video

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Cheap full coverage auto insurance

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Best Car Insurance Rates in Texas (2019)

Find the Cheapest Auto Insurance Quotes in Your Area

ValuePenguin analyzed car insurance quotes in 78 cities in Texas from 11 companies to identify the cheapest insurers and rates in the state. Our analysis showed a wide range in costs from company to company.

For example, in Houston, the difference between the cheapest and the most expensive company was $696 a year. This is why to get the right rates, consumers should shop around. Enter your zip code above now to start shopping for great auto rates in your area among the top U.S. insurers, or read more by clicking directly on each section below.

Cheap Car Insurance Companies in Texas

To identify the cheapest companies, we reviewed auto liability insurance quotes for a sample driver in Texas and then ranked them based on their average car insurance rate across 78 cities. Here are the five companies with the cheapest auto insurance in Texas:

Find the Cheapest Auto Insurance Quotes in Your Area

The cheapest car insurance companies in Texas are Texas Farm Bureau, GEICO, Progressive, State Farm, and Mercury. Overall, Texas Farm Bureau had the best rates, but it does require a membership fee.

Here are the average rates across 78 cities for our sample driver, a thirty year old single male with a clean driving record. While your actual quotes will depend on where you live and park your car, as well as how you’ve driven, these companies are a good place to start finding low cost insurance. The same driver will get different quotes from different companies. Comparing quotes from at least three companies is the best way to get good rates. Start by entering your zip code below to see what top US insurers are covering your area.

Company Yearly Rate
Texas Farm Bureau $1,210
GEICO $1,301
Progressive $1,368
State Farm $1,501
Mercury $1,789
Unitrin $2,038
Encompass $2,175
21st Century $2,429
MetLife $2,916
Dairlyand $3,898
Kemper Security $5,003

Cheap Car Insurance in Texas: by City

We analyzed auto liability insurance rates in each city to identify the top three insurers with the lowest rates. In the table below, we’ve prepared a list of 78 largest cities in Texas along with the city’s three lowest cost insurers and average annual premiums to give drivers a sense of costs. Rates are averaged for a single 30 year old with a good credit score and driving history.

Note that USAA ranked in the first or second spot in almost all cities, but we’ve excluded them from this table because the company only serves military and affiliated members. Below is also a deeper dive by the largest cities of the most affordable insurers by age and marital status to give drivers a further idea of the going rates for auto insurance. We’ve excluded USAA from the city specific tables as well.

City Company Yearly Rate
Allen Texas Farm Bureau $1,032
GEICO $1,302
Progressive $1,480
Alvin Texas Farm Bureau $1,200
GEICO $1,294
State Farm $1,392
Amarillo Texas Farm Bureau $1,320
GEICO $1,403
Progressive $1,430
Arlington Texas Farm Bureau $1,248
Progressive $1,448
GEICO $1,485
Austin Texas Farm Bureau $1,044
Progressive $1,222
GEICO $1,392
Baytown Texas Farm Bureau $1,284
GEICO $1,528
Progressive $1,554
Bedford Texas Farm Bureau $1,020
GEICO $1,231
Progressive $1,306
Brownsville GEICO $1,099
State Farm $1,500
Progressive $1,608
Burleson Texas Farm Bureau $1,128
Progressive $1,220
GEICO $1,222
Carrollton GEICO $1,372
Progressive $1,506
Texas Farm Bureau $1,524
Cedar Hill Texas Farm Bureau $1,224
GEICO $1,389
Progressive $1,428
Cedar Park Texas Farm Bureau $1,068
Progressive $1,264
GEICO $1,294
College Station Texas Farm Bureau $960
GEICO $1,119
Progressive $1,170
Converse Texas Farm Bureau $924
GEICO $1,139
Progressive $1,272
Coppell Texas Farm Bureau $1,032
Progressive $1,278
GEICO $1,340
Corpus Christi GEICO $1,079
Texas Farm Bureau $1,164
Progressive $1,204
Cypress Texas Farm Bureau $1,236
GEICO $1,460
Progressive $1,516
Dallas GEICO $1,288
Progressive $1,382
Texas Farm Bureau $1,464
Del Rio GEICO $1,165
Texas Farm Bureau $1,176
Progressive $1,230
Denton Texas Farm Bureau $984
Progressive $1,230
GEICO $1,292
Desoto Texas Farm Bureau $1,200
GEICO $1,343
Progressive $1,402
Dickinson Texas Farm Bureau $1,140
GEICO $1,258
Progressive $1,394
Eagle Pass GEICO $1,130
Texas Farm Bureau $1,260
Progressive $1,428
El Paso Texas Farm Bureau $1,248
GEICO $1,261
Progressive $1,288
Euless GEICO $1,266
Texas Farm Bureau $1,308
Progressive $1,332
Flower Mound Texas Farm Bureau $924
Progressive $1,274
GEICO $1,340
Fort Worth Texas Farm Bureau $960
GEICO $1,324
Progressive $1,362
Friendswood Texas Farm Bureau $1,104
Progressive $1,370
GEICO $1,435
Frisco GEICO $1,289
Progressive $1,296
Texas Farm Bureau $1,440
Garland Texas Farm Bureau $1,140
GEICO $1,399
Progressive $1,418
Grand Prairie Texas Farm Bureau $1,308
Progressive $1,440
State Farm $1,476
Grapevine Texas Farm Bureau $1,020
GEICO $1,234
Progressive $1,260
Harlingen GEICO $1,145
Texas Farm Bureau $1,224
Progressive $1,404
Houston Texas Farm Bureau $1,284
Progressive $1,542
State Farm $1,560
Humble Texas Farm Bureau $1,104
GEICO $1,490
Progressive $1,526
Irving GEICO $1,387
Progressive $1,434
Texas Farm Bureau $1,464
Katy Texas Farm Bureau $1,284
State Farm $1,572
Progressive $1,578
Keller Texas Farm Bureau $1,188
Progressive $1,268
GEICO $1,340
Kerrville Texas Farm Bureau $948
GEICO $1,177
Progressive $1,308
Killeen Texas Farm Bureau $984
GEICO $1,138
Progressive $1,178
Kingwood Texas Farm Bureau $1,284
GEICO $1,330
Progressive $1,456
Kyle Texas Farm Bureau $1,140
GEICO $1,195
Progressive $1,204
La Porte Texas Farm Bureau $1,176
GEICO $1,315
Progressive $1,440
Laredo GEICO $1,055
Progressive $1,492
Texas Farm Bureau $1,536
League City Texas Farm Bureau $1,080
GEICO $1,294
Progressive $1,392
Leander Texas Farm Bureau $1,068
Progressive $1,286
GEICO $1,294
Lewisville GEICO $1,281
Progressive $1,282
Texas Farm Bureau $1,368
Lubbock Texas Farm Bureau $1,116
Progressive $1,264
GEICO $1,363
Mansfield Progressive $1,274
Texas Farm Bureau $1,296
GEICO $1,381
Mcallen GEICO $1,175
State Farm $1,500
Progressive $1,514
Mckinney Texas Farm Bureau $1,212
GEICO $1,294
Progressive $1,312
Mesquite Texas Farm Bureau $1,332
GEICO $1,392
Progressive $1,450
Mission GEICO $1,130
Progressive $1,478
State Farm $1,524
Missouri City Texas Farm Bureau $1,092
State Farm $1,476
Progressive $1,508
New Braunfels Texas Farm Bureau $864
GEICO $1,098
Progressive $1,216
North Richland Hills Texas Farm Bureau $960
GEICO $1,266
Progressive $1,378
Odessa Texas Farm Bureau $1,212
Progressive $1,232
GEICO $1,253
Pearland Texas Farm Bureau $1,056
State Farm $1,404
GEICO $1,419
Pflugerville Texas Farm Bureau $1,104
GEICO $1,255
Progressive $1,270
Pharr GEICO $1,201
State Farm $1,500
Progressive $1,558
Plano Texas Farm Bureau $1,032
GEICO $1,305
Progressive $1,374
Red Oak Progressive $1,308
GEICO $1,323
Texas Farm Bureau $1,392
Richardson Texas Farm Bureau $1,200
GEICO $1,288
Progressive $1,430
Richmond Texas Farm Bureau $1,092
GEICO $1,456
State Farm $1,464
Round Rock Texas Farm Bureau $984
Progressive $1,200
GEICO $1,279
San Antonio GEICO $1,216
Progressive $1,352
Texas Farm Bureau $1,368
San Benito GEICO $1,095
Texas Farm Bureau $1,428
Progressive $1,436
San Marcos Texas Farm Bureau $960
GEICO $1,235
Progressive $1,244
Seguin Texas Farm Bureau $1,008
GEICO $1,106
Progressive $1,266
Spring Texas Farm Bureau $1,176
Progressive $1,450
GEICO $1,528
Sugar Land Texas Farm Bureau $1,092
State Farm $1,476
Progressive $1,554
The Colony Progressive $1,288
GEICO $1,305
Texas Farm Bureau $1,368
Tomball Texas Farm Bureau $1,236
Progressive $1,406
GEICO $1,460
Tyler Texas Farm Bureau $1,080
GEICO $1,287
Progressive $1,400
Victoria GEICO $1,032
Texas Farm Bureau $1,080
Progressive $1,196
Waxahachie Texas Farm Bureau $1,116
GEICO $1,270
Progressive $1,288
Weslaco GEICO $1,270
Texas Farm Bureau $1,368
State Farm $1,488
Wylie Progressive $1,296
Texas Farm Bureau $1,320
GEICO $1,369

Policies in the Big D cost on average $2,457, but you can still save with cheap car insurance in Dallas if you know where to look. Start with Progressive, Texas Farm Bureau, and State Farm – the three cheapest insurers in Dallas based on our study. Quotes from these three companies are about 39% less than the Dallas composite.

Houston, TX

Our research found that paying for car insurance in Houston can cost $2,881 per year, making it the most expensive city in our study of Texas auto insurance. Houstonians can potentially save money by considering Texas Farm Bureau, Progressive, and State Farm. These three companies’ rates are 34-51% less than the average Houston auto insurance rate, according to our study.

Which companies have the cheapest auto insurance rates in Austin, Texas? We suggest 30 year old drivers in Austin compare quotes starting at Texas Farm Bureau, Progressive, and GEICO. Auto insurance in Austin can cost drivers $2,191 a year, which is about 6% less than average in the Lone Star state. These three companies, however, have car insurance rates 44% less than the Austin average.

San Antonio, TX

In San Antonio, we have Progressive and Texas Farm Bureau standing out as having the lowest auto insurance rates, with State not far behind. On average, it costs about $2,348 to insure your car in the Alamo City, about 7% more than the the state average.

El Paso, TX

It costs just $2,239 a year to insure a car in a town that has been named one of the Happiest Cities to Work In as well as one of America’s Safest Cities. Annual car insurance premiums in El Paso are 8% cheaper than the state average. Keep Texas Farm Bureau and Progressive in mind if you’re looking to save on auto insurance in El Paso, as these companies provided the cheapest quotes for our profile driver.

Best Auto Insurance Companies in Texas

To find the best insurers in Texas, we’ll be looking at the companies with the fewest complaints compared to their competitors. These are thirty of Texas’s largest auto insurance companies, and are ranked based on their complaint index, which measures how many valid complaints the company gets compared to the average insurer. An index of 1.00 is average, and a number below 1, such as State Farm County’s index, is better (gets fewer complaints than the average company).

The best car insurance companies in Texas with the fewest complaints are the Hartford, State Farm, and Germania Insurance. The cheapest companies in our study, Foremost County Mutual, Allstate, and USAA, had lower than average complaints as well.

Insurer Complaint Index 1 Hartford Fire Insurance Company 0.00 2 State Farm County Mutual Insurance Company Of Texas 0.24 3 Germania Select Insurance Company 0.29 4 Dairyland County Mutual Insurance Company Of Texas 0.31 5 Foremost County Mutual Insurance Company 0.32 6 State Farm Mutual Automobile Insurance Company 0.33 7 21st Century Centennial Insurance Company 0.36 8 USAA Casualty Insurance Company 0.46 9 Allstate Property And Casualty Insurance Company 0.65 10 Consumers County Mutual Insurance Company 0.68 11 Texas Farm Bureau Casualty Insurance Company 0.70 12 Garrison Property And Casualty Insurance Company 0.76 13 Allstate County Mutual Insurance Company 0.77 14 Farmers Texas County Mutual Insurance Company 0.79 15 Colonial County Mutual Insurance Company 0.85 16 Texas Farm Bureau Mutual Insurance Company 0.85 17 United Services Automobile Association 0.86 18 Progressive County Mutual Insurance Company 0.91 19 Liberty County Mutual Insurance Company 0.91 20 Allstate Fire And Casualty Insurance Company 0.92 21 Allstate Indemnity Company 0.93 22 Government Employees Insurance Company (GEICO) 0.94 23 USAA General Indemnity Company 0.94 24 Southern County Mutual Insurance Company 1.23 25 AAA Texas County Mutual Insurance Company 1.37 26 Home State County Mutual Insurance Company 1.46 27 ACCC Insurance Company 1.70 28 GEICO Indemnity Company 1.80 29 Loya Insurance Company 2.27 30 Old American County Mutual Fire Insurance Company 2.69

Average Cost of Car Insurance in Texas

How much do people pay on average for car insurance in the state of Texas? $2,330, according to our data. Going into this number are rates for 78 cities in the Lone Star State for a thirty year old single male driver with a good driving history and credit score.

Texas Auto Insurance Rate Increases

Across the ten largest car insurance companies in Texas, rate changes in 2018 have amounted to a net increase of only 1% in auto insurance rates. This is good news for Texas drivers considering the average year-over-year rate increase across these companies from 2013 to 2018 was 5.2%, and in 2017 alone they raised rates by 9.2%.

Auto Insurance Company

Market Share 2017 Rate Changes 2018 Rate Changes State Farm 16.8% 9.8% -7.8% Berkshire Hathaway (GEICO) 12.5% 13.0% 7.2% Allstate 11.2% 2.7% 0.1% Progressive 9.6% 5.1% 0.0% Farmers 8.7% 11.5% 4.7% USAA 8.1% 11.5% 2.0% Liberty Mutual 5.6% 15.8% 7.3% Texas Farm Bureau 3.3% 0.9% 3.4% Consumers County Mutual 2.6% 11.9% 4.0% Nationwide 2.2% 12.4% 9.3% Top 10 Groups 80.5% 9.2% 1.0%

Companies raise rates for a number of reasons, one of which is to account for greater losses—which is represented by a loss ratio (which is the ratio of losses paid out to earned premiums). Common reasons for increased car insurance losses are more frequent accidents, costlier car repairs or natural disasters.

Auto Insurance in Texas: Minimum Liability Insurance Requirements

The absolute minimum you can have on a basic car insurance policy in Texas is liability protection for the categories and limits below. Other types of coverage such as collision and comprehensive, personal injury protection or medical payments coverage, and uninsured motorist coverage are optional in Texas.

  • Bodily Injury (BI) Liability Insurance: $30,000 per person/$60,000 per accident
  • Property Damage (PD) Liability Insurance: $25,000 per accident

We always advise drivers to purchase as much coverage as they have in assets to protect themselves. That’s because if you’re involved in a serious car accident, your insurer will only cover you up to the amounts on your policy. Any medical bills or car repair costs that exceed your car insurance limits, you would be on the hook for.

That’s true whether you live in Houston, which the Texas Department of Transportation recently reported had 67,000 car crashes, or Adrian, which reported just one this past year.

Methodology & Assumptions

Average rates are for illustrative purposes, as individual quotes will differ based on driving history, coverage sought, vehicle type, and other factors.

Data was obtained from the Texas Department of Insurance for a thirty year old single male driver across 78 cities. He owns his car and uses it primarily for work purposes, averaging about 12,000 miles annually. Insurance policies include Texas’s minimum auto insurance liability requirements: $30,000 for bodily injury liability per person (up to $60,000 per accident), and $25,000 of property damage (30/60/25 coverage) liability insurance, 50/100/50, as well as 100/300/100. Car insurance costs are based on a 2011 Toyota Camry four-door sedan, with 2.5 liter/4 cylinder engine.

Comments and Questions

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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SOURCE: http://www.valuepenguin.com/car-insurance-rates-texas-study

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