If you live in Texas, you are lucky enough to get cheap auto insurance. You can get cheap insurance easily. Many companies are offering cheap auto insurance in Texas. The difference between the most affordable and highest insurance rate is $1879/year, so that’s why people should look around for the valuable rate in the market.
List of Best auto insurance companies in Texas:
Few companies are offering cheap car insurance. Let’s look at the table given below.
| No | Name of Company | Average Annual premium |
|---|---|---|
| 1 | USAA | $403 |
| 2 | State Farm | $1112 |
| 3 | Geico | $940 |
| 4 | AAA | $617 |
| 5 | Allstate | $1395 |
| Before getting started, we must know the definition of the meaning of cheap full auto coverage insurance. Let’s get started. |
What is Cheap full coverage Auto insurance?
To know about the what is cheap full coverage auto insurance, you need full knowledge of data. So, for your convenience, we make a table as given below.
Full coverage insurance may include:
| Coverage Type | What you get? | Required |
|---|---|---|
| Bodily injured | Medical costs after accident | Generally required |
| Property damage | Repair cost for property | Generally required |
| Uninsured motorist | Medical expenses after accident | Required in 20 states and Washington DC |
| Collision coverage | Repair cost for your vehicle | Optional |
| Comprehensive coverage | Repair costs for an event that is out of your control | Optional |
So after getting the knowledge of full coverage car insurance in Texas, now moving towards the list of companies that are offering the cheap full coverage auto insurance.
After knowing this, you may think that how you can get low auto insurance. So let’s explore some tactics and techniques.
How to get cheap full coverage auto insurance:
In this section, we will discuss how to get cheap full coverage auto insurance in the market.
- You need to search for the more affordable price of insurance in the country.
- Look at the age,. If you are at the age of 25, then you can get a lower or discount rate in the price of insurance premium.
- consider your area. If crimes in your area are less than the other than you have to pay fewer premium charges.
- If you increase your deductible, you will save $100 a year. It is the biggest factor that plays a vital role in the premium.
- Stay loyal to the company so you can get affordable insurance.
Market share by company:
Market share is the customer’s preference for the product. The higher the market share, the greater will be the sale. Let us see the market share by each Company in Texas. Now, you may want insurance from the companies having the largest market share. Let us see the details.
| No | Name of Company | Market share(%) |
|---|---|---|
| 1 | USAA | 8.44 |
| 2 | State Farm | 14.99 |
| 3 | Geico | 13.10 |
| 4 | AAA | 0 |
| 5 | Allstate | 11.65 |
Now, have a look at the companies, as mentioned earlier. We are going to discuss the detail of these sites.
USAA car insurance:
Founded in 1922
Website URL: https://www.usaa.com/
USAA stands for the " United States Automobile Association" that gives cheap car insurance. It considers the customer as the member. To get the membership, you need to qualify for the membership. For membership, you must be an active member of the military, retired veteran, a member spouse, and son or daughter. So we can say that it is only for military personnel. It offers the full coverage car insurance $1023, which is the cheapest among all.
| Company | Minimum Coverage | Full coverage |
|---|---|---|
| USAA | $415 | $1023 |
Geico car insurance:
Founded in 1936
Website URL: https://www.geico.com/
The company is for government employees and mainly for the farmers. It is created for Government employees, as we discussed above, that the USAA is for military people. Geico is for the civilians so they can get benefits from this company. In 1956, the student invested in the Geico. It offers the full coverage car insurance $1198, which is the cheapest among all. The company aims to increase the reach and the number of users in the company. It uses many slogans, but their famous slogan is “15 minutes could save 15 percent or more.” This becomes more prominent and popular . This slogan means that life is important than anything else.
| Company | Minimum Coverage | Full coverage |
|---|---|---|
| Geico | $478 | $1198 |
State Farm car insurance:
Founded in 1922
Website: https://www.statefarm.com/
The name explains the aim of the company; it is for the farmers and other civilians. In 1922, when the farming is not producing enough income, the Farmer created a State Farm. It gives the full coverage car insurance $1511, which is the cheapest among all.
This company provides insurance to the automobile of farmers. The owner expands its business in many aspects. They add millions of insurance policies to the company policy.
| Company | Minimum Coverage | Full coverage |
|---|---|---|
| State Farm | $624 | $1511 |
AAA car insurance:
Founded in 1902
Website: AAA Insurance | Car Auto Home Life & Multi-Policy Discounts
AAA is at last because of its high cost, but it provides durability and other things. You can clearly see the difference between the rates. However, its rate is high but less than the qualities of the state. With 100 years of experience, AAA drivers are better than the other drivers. It will help you to find the best coverage of life insurance. Go and explore more things about the company.
Allstate car insurance:
Founded in 1931
Website URL: https://www.allstate.com/
Allstate was the first company that uses the age of the car to provide insurance. It aims to offer cheap car insurance to the people. People are pleased with its services because of its claim, but the company does not have the highest rank. It gives insurance to the people and other civilians instead of military people, just like the USAA. You can get a quote in a blink of an eye. Your data is in protected hands. In case of any sudden accident, you can get the amount to survive in that condition.
So, get a quote without any difficulty and problem.
Cheap auto insurance by city:
Now, let us discuss the rate of auto insurance by the city in Texas. The cheapest city is San Angelo in terms of average insurance rates, and the expensive city is Houston.
| No | City | Average Annual premium |
|---|---|---|
| 1 | San Angelo | $729 |
| 2 | Wichita Wash | $789 |
| 3 | Midland | $798 |
| 4 | Abilene | $804 |
| 5 | Temple | $812 |
Cheapest car insurance for a driver with DUI in Texas:
Do you know what DUI is? First of all, you need to know the meaning of DUI. DUI stands for driving under the influence. DUI is the crime or offense of driving. It enables the driver to drive safely when he is drunk.
| No | Name of Company | Average Annual premium |
|---|---|---|
| 1 | Esurance | $1149 |
| 2 | Farmers | $1207 |
| 3 | USAA | $1310 |
| 4 | State Farm | $1550 |
| 5 | Geico | $1649 |
Now, let us dive into the detail of the companies, which are not discussed earlier.
Esurance:
Founded in 1999
Website: https://www.esurance.com/
Esurance is an American company that offers cheap and affordable insurance to you. They sell auto, motorcycle, home, and many more services. You can quickly contact them by using a laptop or phone. It has competitors such as Geico and Progressive. It was the first company, which offers multi-car discount packages to the couples.
Farmers:
Founded in 1928
Website: https://www.farmers.com/
Farmers is the company that is offering home, auto, and motorcycle insurance. You can get fast claims and products at a time at discount rates. Farmers are better than many other companies. You can get the insurance policy at the discount rates.
State Farm:
Founded in 1922
Website: https://www.statefarm.com/
The name explains the aim of the company; it is for the farmers and other civilians. In 1922, when the farming is not producing enough income, the Farmer created a State Farm. It gives the full coverage car insurance $1511, which is the cheapest among all.
This company provides insurance to the automobile of farmers. The owner expands its business in many aspects. They add millions of insurance policies to the company policy.
| Company | Minimum Coverage | Full coverage |
|---|---|---|
| State Farm | $624 | $1511 |
Geico:
Founded in 1936
Website URL: https://www.geico.com/
The company is for government employees and mainly for the farmers. It is created for Government employees, as we discussed above, that the USAA is for military people. Geico is for the civilians so they can get benefits from this company. In 1956, the student invested in the Geico. It offers the full coverage car insurance $1198, which is the cheapest among all. The company aims to increase the reach and the number of users in the company. It uses many slogans, but their famous slogan is “15 minutes could save 15 percent or more.” This becomes more prominent and popular . This slogan means that life is important than anything else.
| Company | Minimum Coverage | Full coverage |
|---|---|---|
| Geico | $478 | $1198 |
You can easily get the required information from the sites that are mentioned above. You can easily get the quotes after comparing them with other companies. So, go to the sites and explore as much as you can. Then you can get the right and cheap auto insurance in Texas.
Frequently Asked Questions
Who has the cheapest auto insurance?
Many companies offer the cheapest full coverage auto insurance is as follows.
| No | Name of Company | Amount |
|---|---|---|
| 1 | Liberty Mutual | $1778 |
| 2 | Progressive | $1766 |
| 3 | USAA | $1023 |
| 4 | Geico | $1198 |
How much is auto liability insurance in Texas?
| No | Coverge Limit | Average annual Rate |
|---|---|---|
| 1 | Liability only state premium | $538 |
| 2 | Liability only state premium 50/100 | $565 |
| 3 | Full coverage | $1823 |
Why is auto insurance is so expensive in Texas?
Car insurance is expensive because the state has three major cities and has the most significant population. As the cost of insurance increases, so there will be a rise in the rate of premium. But some companies are offering cheap auto insurance in Texas.
Who has the cheapest liability insurance in Texas?
The best companies having the cheapest liability insurance in Texas are as follows.
| No |Name of Company |
|—|—|—|
|1|Farmers|
|2| State Farm |
|3| USAA |
|4|Geico|