10 Cheapest Car Insurances In Texas For 2022

If you are searching for cheap car insurance in Texas, you have come to the right place. Finding cheap car insurance is not easy, so we have worked hard to search for the cheapest options in Texas.

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 This article lists the cheapest car insurance in Texas, how to get the cheapest car insurance, the minimum amount of car insurance in Texas, and more.

KEY TAKEAWAY

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  • Car insurance is an agreement between a person and an insurance company. The person pays the insurance company for their protection against financial losses.
  • The average auto insurance price in Texas is $56 per month, or $666 per year, for minimum coverage.
  • USAA insurance is only available to a family member of a military person or a member of the military
  • According to Texas state law, Texas drivers/car owners must have minimum insurance coverage of $30,000 per injured person and up to $60,000 and above per accident.
cheapest car insurances in Texas
Credit:caranddriver.com

How to get the Cheapest Car Insurance In Texas 

Car insurance is a contract between a person and an insurance company in which the person agrees to pay premiums in exchange for the insurance company’s protection against financial losses from an accident and other damage to the vehicle.

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Searching for affordable rates for car insurance is a priority for many car owners. There are many things people can do to find and keep affordable rates for their circumstances. If you are searching for the cheapest car insurance in Texas, here are some tips to consider:

  • Review your car policy

Each year, people can review their car insurance policy to see if there have been any changes in their life that can affect the premium. They may have different driving habits, such as a new driver with access to their cars, a new commute, or an opportunity to bundle their homeowners and car insurance policy together for a multi-policy discount.

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Their car also continues to depreciate as it goes, so adjusting its coverage may decrease the premium.

  • Maintain a clean driving record

Adhering to the road rules and driving safely is easy to get the best car insurance rates. People can maximize discounts based on how many years they have gone without a moving violation or an at-fault accident.

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Some auto insurance companies offer telematics programs that reward people with more savings based on their driving habits.

The average cost of car insurance per month in Texas 

The average auto insurance price in Texas is $56 per month, or $666 per year, for minimum coverage. The average cost of full coverage, including collision and comprehensive, is $156 per month or $1,872 per year. But remember that you will pay a different rate based on the driver’s profile.

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The minimum amount of car Insurance in Texas 

Texas law requires all car owners/drivers to have adequate car insurance. According to Texas state law, Texas drivers/car owners must have minimum insurance coverage of $30,000 per injured person and up to $60,000 and above per accident. Texas drivers must have coverage for property damage of $25,000 and above.

The 7 cheapest car insurances in Texas 

Car insurance is a necessary expense for all drivers in Texas. The state requires all drivers to have minimum liability insurance, and failure to do so can result in costly penalties. If you’re looking for cheap car insurance in Texas, we’ll look at the seven cheapest car insurances in Texas.

1. GEICO

Geico insurance company was rated 4.6 out of 5.0 stars and rank it as having the Best Discount Availability in 2022. The insurance company’s simple claims process and cheap rates make it a smart choice for most drivers.

Geico auto insurance company reviews are mainly positive, indicating helpful agents and a reliable claims process.

Geico insurance company is the 2nd-largest car insurance provider in the country, according to the NAIC (National Association of Insurance Commissioners).

2. State Farm

State Farm insurance company is the nation’s largest private passenger car insurer. Still, the insurance company offers various financial products and other insurance sold exclusively by State Farm agents.

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If people are looking for a well-known brand name with a generous selection of consumer-friendly pricing and products, State Farm might be suitable.

3. Mercury Insurance

Mercury Insurance offers car coverage like people will find elsewhere, plus many discounts. Unfortunately, this insurance company only offers coverage in eleven (11) states, and its rideshare add-on is only available in 9 (nine) states. This insurer will be worth considering if people live in a state where coverage is offered.

4. Fred Loya Insurance

Fred Loya Insurance company provides minimum levels of car insurance to high-risk drivers, typically those who are required to file an SR-22 form due to traffic violations and those with poor credit or DUIs.

The insurance company offers some unique features, such as convenient office locations in grocery stores, Walmart stores, and complimentary rental car coverage, but its policies can be confusing.

5. Allstate

Allstate Insurance is best known for its car insurance policies, but the company offers various financial services. The insurance company boasts an extensive breadth of discount options and coverage.

6. USAA

USAA insurance is a solid choice for car insurance with top financial ratings and high customer satisfaction levels. However, a person must be a family member of a military person or a member of the military to benefit from its services.

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7. Texas Farm Bureau 

People can join the Farm Bureau for $35 to $50 a year, depending on their county. That gives them access to some of the cheapest car insurance in Texas, along with different types of insurance and many discounts.

Texas Farm Bureau Insurance is available only to the resident in Texas. 

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Conclusion

While other types of insurance, such as homeowner and health, may seem more important, if a person owns an automobile, regardless of whether the car requires auto insurance, having an insurance policy can save people a lot of money and aggravation in the long run. 

FAQS

Is Geico cheaper in Texas?

Geico offers one of the cheapest car insurances in Texas, with an average rate of 100 dollars per month for full coverage.

Is Texas expensive for car insurance?

Compared to car owners across the country, Texas residents/ drivers pay an estimated $149 more than the national average cost of auto insurance.

What age does car insurance go down for females in Texas?

From ages 16 – 25, car insurance rates will steadily go down for both males and females every year that they keep their driving records clean. Car insurance rates go down at 25 by a large margin.

How can I get a low car insurance premium?

Below is a list of ways people can lower their car insurance premium

  • Increasing their Deductibles
  • Improving their Credit Rating
  • Taking a Defensive Driving Course
  • Paying Attention on the Road
  • Taking Advantage of Multi-Car Discounts

Are old cars cheaper insurance?

Car insurance for older cars is cheaper than insuring newer cars of the same make and model if the used car is cheaper to replace or repair.

What car is the most expensive to insure?

Luxury cars are often the expensive car to insure than a standard vehicles. Because car insurance protects the vehicle, the higher the price of a luxury car leads to higher insurance costs.

You can learn more from the video below:

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