Although its rates are more expensive than the Texas state average, it's relatively affordable compared to other major cities. As of 2010, there were over 15,157,000 licensed drivers in the state. Which certificate of deposit account is best? Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. Get insider access to our best financial tools and content. Other types of coverage are optional, such as collision and comprehensive, medical payments coverage and uninsured motorist coverage. A full-coverage policy from State Farm costs an average of $1,458 per year.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003EFull-coverage policies can have huge variations in prices across insurers. All Rights Reserved. And minimum-liability policies don't cover damage to your vehicle, which falls under the comprehensive and collision insurance included in a full-coverage policy. There are well over 22 million registered vehicles in Texas, with an average car insurance premium of $1,661 for a 12-month period as of December, 2016. Houston is the most populous and the most expensive city in Texas for car insurance. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. Dallas is the second most expensive city of these five, though it's not nearly as pricey as Houston. We maintain a firewall between our advertisers and our editorial team. One of the most important factors affecting car insurance rates — in Texas and elsewhere — is your driving history. At Bankrate we strive to help you make smarter financial decisions. Auto Club of SoCal: $1,478 per year. Click and answer our 7 basic questions and save big money on your auto insurance. 1019 12th St. Huntsville, TX 77340 If you’re shopping for cheap car insurance in Texas, there are a few companies that stand out for affordable rates. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Those in their 60s don't pay much more ($1,511). So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. We found that if you're at fault for an accident causing $2,000 in property damage, these insurers will raise your rates by an average of 43%. {"buttonText":"Texas Quotes","customEventLabel":"","defaultProduct":"auto","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--506","isAgeFieldVisible":true,"isDeltyForm":false,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":false,"style":"dropshadow","tier":"VPT1","title":"Find Cheap Auto Insurance Quotes in Texas","trackingKey":"_car-insurance-rates-texas-study","trustMessage":"It's free, simple and secure.","vendor":"vp"}. The best insurers balance affordability and experience to give drivers great value. Yes, car insurance is legally required in the state of Texas. In San Antonio, Chubb only increased its rates by 12% from its state average. Republic Group: $1,351 per year. If you're looking for savings, you should always compare quotes across insurers. But in the Lone Star State, a driver could pay $34 per month with the cheapest insurance company and $153 per month with the most expensive — for the exact same policy. And Chubb, the company with one of the best service reputations, only raises rates by 4%, meaning that in Fort Worth it's not much more expensive than Loya. The popular phrase “everything is bigger in Texas” can also be said about car insurance rates in the state. Finding the Best Cheap Car Insurance in Texas Car insurance rates have been on the rise nationwide, and this has also held true for the state of Texas. The next best auto insurer for Houstonians is State Farm, which is around $14 per year more expensive at an average price of $791.. A lower Complaint Index means customers complain about a company at a lower rate, adjusted for the company’s size. Our rates are based on general profiles, so requesting personalized quotes is the sure way to show you which insurer offers you the best value. In the table we rank Texas insurers by their National Association of Insurance Commissioners (NAIC) Complaint Index; in other words, the rate at which Texans file official complaints to their state regulator. USAA — already the cheapest company on average — only raises rates by 8% in the Fort Worth area. Everything’s bigger in Texas – including the severe weather awareness events that occur throughout the year. Texas Farm Bureau: $1,041 per year. It is generally the cheapest. That means Texas’s car insurance market is one of the largest in the country. For those who are focused on quality, we also rated the best Texas car insurance companies by customer service reputation. Companies tend to charge much higher rates here than anywhere else. Bankrate.com is an independent, advertising-supported publisher and comparison service. HomeInsurance.com, LLC, is a licensed insurance producer resident in North Carolina with license number 020773852, with its principle place of business at 15720 Brixham Hill Avenue, Suite 300, Charlotte, NC 28277. Michael Mcgoon. We do not include the universe of companies or financial offers that may be available to you. The Texas Farm Bureau is second-cheapest and Geico is third. State Farm is another option for cheap car insurance in Texas. You could owe even more if your property protection (only $25,000) is exceeded. It’s the biggest car insurance provider nationwide, and millions of drivers trust State Farm to insure their vehicle. Every driver must carry a minimum of $30,000 of bodily injury liability coverage per person, $60,000 of bodily injury liability coverage per accident and $25,000 of property damage liability coverage per accident. Minimum-liability policies are cheap, but they may not adequately protect you in the event of an accident. Chubb and GEICO alternate as the cheapest, most affordable car insurance companies for drivers in large cities such as Austin, Houston and Dallas. In terms of discounts, State Farm has a lot to offer. Dairyland almost doubled its rates. State Farm: $1,610 per year. We are an independent, advertising-supported comparison service. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Here are some ways you can lower your rate: There are dozens of insurance companies that serve Texas drivers, and there isn’t one company in particular that stands out as being the best. For the last few years, the Lone Star State has seen auto insurance rates increase by almost 5% per year since 2017, giving Texas drivers the tenth-highest rates in the entire country . Getting cheap car insurance in Texas is easier than you think. The average cost of car insurance in Texas is $79 per month. Drivers can save money by being a safe driver, enrolling in a defensive driving course, insuring a new car, being a loyal customer, garaging their car on a military base, and storing their car during deployment. Be protected on the road. Ultimately, the best car insurance company in Texas is different for every driver. Although rates in Texas went down last year, companies may raise rates for a number of reasons, one of which is to account for greater losses. USAA is the cheapest company on average, costing our sample driver $526 per year. Not everyone qualifies for USAA insurance, but those that do can expect to pay the lowest rate. How Much Is Texas Car Insurance In Per Month? Guide to Texas Car Insurance. {"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EThere is no single definition of a full-coverage policy, but the term usually refers to auto insurance that includes comprehensive and collision insurance. Keep that number in mind as you weigh your options later on. CHEAP CAR INSURANCE IN TEXAS. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). In Texas, the cheapest insurance companies for full coverage are the same as those for minimum liability: USAA, Fred Loya Insurance and State Farm. 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coverage, Uninsured/underinsured motorist bodily injury, Average annual cost = $1,284 (Most expensive out of 50 cities), Average annual cost = $1,072 (19th most expensive out of 50 cities), Average annual cost = $1,164 (7th most expensive out of 50 cities), Average annual cost = $999 (30th most expensive out of 50 cities), Average annual cost = $1,020 (28th most expensive out of 50 cities). 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