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Cheap Full Coverage Auto Insurance In Texas

Cheap Full Coverage Auto Insurance in Texas

updated: Apr. 23, 2020 –

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Once you decide on what forms of coverage you would like included in your Texas insurance policy, it is time to find the company offering the cheapest premiums for the coverage you desire. This is where we can help.

By entering your zip code into our quote comparison search engine, you will be directed to insurance companies in your area that are currently offering online discounts. After comparing their offers, you’ll be on your way to securing one of the most affordable full coverage auto insurance policies in Texas.

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Who has the Cheapest Full Coverage in Texas?

From all of the companies we researched in our 2020 study, these are the cheapest full coverage rates we found for an average driver in Texas. Progressive Insurance was the cheapest at $800 per year.

CompanyFull Coverage (year)
Progressive$800
Garrison$832
Trinity$838
Allied$852
GEICO$978
Safeco$996
Texas Farm Bureau$1,000
Metropolitan Lloyds$1,030
National$1,068
State Farm$1,070

Methodology

* The quoted driver for the above study was a married male between the ages 25-64. He had a good credit rating and no traffic violations on record. The car he was driving was a 2013 Toyota Camry that was parked in Comal County, TX.

The coverage was as follows:

  • Liability Coverage – 50/100/50
  • Collision Deductible – $1000
  • Comprehensive Deductible
  • Uninsured Motorist – $25,000 per person/$50,000 per accident
  • Medical – $25,000 bodily injury per accident

Cheapest Rates by Driver Type

From the companies included in our study, these were the lowest rates we found for the following different types of drivers.

DriverMonthly RateInsurance Company
Clean Driving Record$75Progressive
One Speeding Ticket$79National General Assurance
Over Age 65$71Trinity Universal
Poor Credit Score$68GEICO
Young Driver$98GEICO
One Accident$135GEICO
*companies included – Progressive, National General Assurance, GEICO, Garrison, Kemper, Metropolitan Lloyds, Safeco, Trinity Universal, Auto Club County, State Farm, Texas Farm Bureau & Allied

What are the Best Car Insurance Companies in Texas?

According to our 2020 research, the company with the best consumer complaint score was State Farm. Unfortunately they were also the most expensive company in our 2020 price study. If you are looking for inexpensive insurance from a highly rated insurer, Progressive serves as a good alternative. Progressive earned a very respectable consumer complaint score and at the same time offered the cheapest rates in our 2020 price study (as seen above).

Also bear in mind, the only companies in our study that earned A.M. Best’s A++ Rating for financial security were State Farm, Progressive & GEICO. Texas Farm Bureau, for example, ranked very well in the Complaint Index category, but received an A- financial rating from A.M. Best Financial Ratings. A low financial score basically means they have a higher probability of going bankrupt.

Insurance CompanyComplaint IndexA.M. Best Rating
State Farm0.4005A++
Texas Farm Bureau0.6586A-
Progressive0.7056A++
GEICO0.8466A++
Garrison1.1785n/a
Metropolitan Loyds1.3419A
Allied1.7517A+
Safeco2.7819A
National General5.6597A-

How to Find Cheap Full Coverage in Texas

The strategy for finding cheap full coverage auto insurance in Texas isn’t very different than in other states. Even though full coverage will always cost more than a simple liability policy, affordable full coverage insurance can be found.

Since each insurance company has a different idea of what full coverage insurance actually is, some of them will have extra features with higher premiums while others will stick to the basics and keep costs down.

Full coverage insurance contains a host of services which aim to protect the policyholder as thoroughly as possible in most situations. A policy is considered to be full coverage if it has the three typical forms of coverage: liability, collision and comprehensive. Additionally, Uninsured or Under-insured Motorist coverage is also common in most full coverage policies.

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Impact of Auto Theft

As a Texan, it’s understandable if you are concerned about the money you have invested in your car. This is because Texas happens to be one of the highest-ranking states for auto theft, second only to California.

In the latest study from the Insurance Information Institute, Texas car owners were subjected to 69,817 automotive thefts. When you compare this to the state that has the least automotive thefts, Vermont (at only 253 thefts), you can begin to understand why owning insurance coverage that protects from auto theft should be a high priority if you live in The Lone Star State.

If your car is stolen and you don’t have comprehensive as part of your auto insurance policy, you will be faced with a total loss and have no reimbursement options. Luckily, full coverage auto insurance always includes comprehensive coverage, which helps reimburse you for events such as theft and vandalism.

Acts of God

Since hurricanes and tornados are common occurrences in Texas cities such as Houston, San Antonio, Dallas, Austin and Fort Worth, it’s also reassuring to know that the comprehensive part of a full coverage plan is also designed to help reimburse you for damage your car sustains if it is involved in a natural disaster.

What are the Minimum Car Insurance Requirements in Texas?

Even though many states in the USA do not require proof of auto insurance before you can register your car, the state of Texas does. This is intended to help protect motorists from loss caused by uninsured drivers.

Because Texas has had problems with uninsured drivers in it’s past, all drivers are also entered on a central database that enables law enforcement officials to quickly look up whether a car has insurance or not.

This, however, is not an excuse for not carrying your insurance card. In Texas it is a law that you carry proof of insurance in your car at all times. If you are caught without proof, you will be liable to fines of up to $175, as well as risking possible suspension of your license.

Like all other states there are also minimum levels of insurance coverage that you need to obtain in order to be road legal.

The minimum amount of liability insurance Texas requires is “30/60/25”. This means that the policy must cover at least $30,000 for bodily injuries to another person, $60,000 for bodily injuries to another two or more people and $25,000 for property damages to another person.

Texas Minimum Liability Coverage

Injuries to One Person: $30,000

Injuries to Two or More People: $60,000

Property Damage: $25,000

Recommended Liability Coverage

It is of course recommended that you purchase more than the minimum requirements, as the minimum requirements are not enough to cover you in most situations. Many will want to purchase full coverage protection to feel they are well protected in the case of an accident. Insurance companies and consumer groups usually advise for coverage as follows:

Injuries to Per Person: $100,000

Property Damage Per Accident: $300,000

Of course the more coverage you obtain, the more expensive your car insurance becomes, so you will need to weigh the pros and cons of the many different levels of protection before you start comparing insurance quotes.

More Reasons to Get Full Coverage in Texas

However, keep in mind that if you don’t have full coverage, even with a boost of liability protection, a pure liability policy will still leave you completely unprotected when it comes to your own expenses if you cause an accident, your car is stolen or your car sustains damaged from a natural disaster. This is what makes full coverage auto insurance the ideal type of coverage if you are a Texas resident.

Additionally, there is not a requirement to purchase any additional coverage within Texas, for example uninsured drivers insurance. It is worth purchasing this, however, due to the way the Texas legal system operates. In Texas there will always be a guilty party found in an accident, which means that if you are hit by an uninsured driver who is in turn guilty of the accident, your costs will not be covered. This extra protection helps cover you against this event.

Like many other states there are plenty of ways to reduce your insurance premiums. One way is to take a driving class, but the method that usually will save you the most is comparison shopping. This is where we can help. By entering your information in our free quotes search engine, you can start comparing quotes from trusted insurance carriers immediately.

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