Texas Car Insurance Minimum Requirement by Law
As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:
- $30,000 coverage for all types of bodily injury suffered by one individual in one accident
- Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
- Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered
The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.
Company | Annual premium (50/100/50) | Market share | Complaints |
---|---|---|---|
Geico | $350 | 6.00% ($1,151,485,019) | 1 |
Farmers | $385 | 7.98% ($1,530,613,603) | 2 |
State Farm | $390 | 16.03% ($3,074,590,659) | 119 |
Allstate | $495 | 7.38% ($1,416,050,038) | 4 |
Liberty Mutual | $550 | 4.36% ($836,938,040) | 64 |
Progressive | $660 | 8.75% ($1,678,264,745) | 0 |
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Insurance Agents in Addison, TX and Near by
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0 miAaron Augustine3939 Belt Line Rd Ste 275, Addison, TX 75001(972) 716-0434View |
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0 miStali Allport3939 Belt Line Rd Ste 160, Addison, TX 75001(972) 239-4543View |
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0 miAddison Insurance Group4004 Belt Line Rd Ste 125b, Addison, TX 75001(469) 331-0200View |
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0 miAcceptance Auto Insurance4151 Belt Line Rd Ste 104, Addison, TX 75001(972) 406-5180View |
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0 miBradley Kerley14675 Midway Rd Ste 101, Addison, TX 75001(972) 490-7288View |
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0 miInsurance One Agency4205 Beltway Dr, Addison, TX 75001(972) 250-1600View |
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0 miMark Mathews15502 Quorum Dr, Addison, TX 75001(972) 661-0752View |
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0 miPremier Group Insurance - Karen Burkholder4851 Keller Springs Rd Ste 112, Addison, TX 75001(469) 425-3220View |
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0 miJill Gunnell Mathews15502 Quorum Dr, Addison, TX 75001(972) 661-0752View |
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0 miRising Star Insurance Group15636 Quorum Dr, Addison, TX 75001(972) 587-7700View |
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0 miPrestizia Insurance Group5080 Spectrum Dr Ste 1000e, Addison, TX 75001(855) 436-6353View |
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0 miIsmail Bhai15305 Dallas Pkwy Ste 309, Addison, TX 75001(972) 455-2811View |
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0 miWillis Personal Lines Insurance15305 Dallas Pkwy Ste 1100, Addison, TX 75001(972) 715-2140View |
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0 miTWFG Insurance Services - Lyvetta Lumpkins15455 Dallas Pkwy Ste 600, Addison, TX 75001(972) 764-5106View |
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0 miBrijesh Anthonypillai15455 Dallas Pkwy Ste 600, Addison, TX 75001(972) 764-5225View |
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0 miTAG - One Choice Insurance15455 Dallas Pkwy Ste 600, Addison, TX 75001(214) 702-0046View |
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0 miANPAC Agency5057 Keller Springs Rd Ste 150, Addison, TX 75001(469) 718-5568View |
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0 miJane Boles5057 Keller Springs Rd Ste 150, Addison, TX 75001(972) 922-2971View |
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0 miJeff Sawyer5057 Keller Springs Rd Ste 150, Addison, TX 75001(214) 971-3949View |
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0 miPatrick Allen5057 Keller Springs Rd Ste 150, Addison, TX 75001(469) 744-8868View |
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2.37 miTWFG Insurance Services - J.R. Zamorano7920 Belt Line Rd, Dallas, TX 75254(972) 270-3333View |
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2.37 miAmeriTax Insurance Services14203 Coit Rd Ste 104, Dallas, TX 75254(972) 361-1040View |
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2.37 miAmerica Insurance Agency7916 Spring Valley Rd, Dallas, TX 75254(214) 575-7761View |
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2.37 miBaja Auto Insurance14215 Coit Rd Ste 100, Dallas, TX 75254(214) 301-7014View |
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2.37 miEpic Insurance Agency14785 Preston Rd Ste 550, Dallas, TX 75254(214) 532-0256View |
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2.37 miDave Jenkins14785 Preston Rd Ste 550, Dallas, TX 75254(972) 980-3934View |
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2.37 miTWFG Insurance Services - Kim Casida Milligan14785 Preston Rd Ste 550, Dallas, TX 75254(214) 842-0160View |
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2.37 miDicia Ames5920 Belt Line Rd Ste 315, Dallas, TX 75254(972) 239-9970View |
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2.37 miAAA Insurance5455 Belt Line Rd Ste 100, Dallas, TX 75254(214) 706-3002View |
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2.37 miStanley R. Smith5495 Belt Line Rd Ste 105, Dallas, TX 75254(972) 789-1111View |
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2.37 miDickerson & Company Agency14241 Dallas Pkwy Ste 650, Dallas, TX 75254(972) 422-5557View |
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2.37 miInsurance One Agency14180 Dallas Pkwy Ste 900, Dallas, TX 75254(972) 267-8000View |
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2.37 miMelanie Irvin14651 Dallas Pkwy Ste 110, Dallas, TX 75254(972) 367-6200View |
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2.37 miQuantum Source Insurance Group5050 Quorum Dr Ste 700, Dallas, TX 75254(972) 687-9069View |
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2.37 miKreshnik Bishani14800 Quorum Dr Ste 300, Dallas, TX 75254(940) 343-7579View |
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2.37 miWells Fargo Insurance Services USA5151 Belt Line Rd Ste 200, Dallas, TX 75254(972) 588-6456View |
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2.39 miArian Insurance12240 Inwood Rd Ste 430, Dallas, TX 75244(469) 906-6050View |
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2.39 miBrent Cooper5232 Forest Ln Ste 111, Dallas, TX 75244(214) 987-1995View |
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2.39 miDan Stanton3767 Forest Ln Ste 107, Dallas, TX 75244(972) 243-8894View |
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2.39 miCohen Family Agency4099 Mcewen Rd Ste 150, Dallas, TX 75244(469) 249-8525View |
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2.39 miAndy Barfield4101 Mcewen Rd Ste 120, Dallas, TX 75244(972) 726-0083View |
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2.39 miPIP Insurance Services4100 Alpha Rd Ste 112, Dallas, TX 75244(972) 432-7410View |
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2.39 miTexCap Concord - Dallas13465 Midway Rd Ste 200, Dallas, TX 75244(972) 720-5340View |
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2.39 miJerry Heckman13901 Midway Rd Ste 103, Dallas, TX 75244(972) 789-9567View |
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2.39 miBabu Varghese4230 Lbj Fwy Ste 614, Dallas, TX 75244(972) 503-3400View |
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2.39 miBill Remley4230 Lbj Fwy Ste 105, Dallas, TX 75244(972) 488-3822View |
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2.39 miHilda Avila4100 Spring Vly Ste 904, Dallas, TX 75244(469) 320-1440View |
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2.39 miSeguros Palerm4100 Spring Valley Rd Ste 663, Dallas, TX 75244(972) 607-6035View |
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2.39 miGregory Insurance Group14140 Midway Rd Ste 205, Dallas, TX 75244(972) 347-9944View |
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2.39 miWarren Insurance Group14140 Midway Rd Ste 205, Dallas, TX 75244(972) 931-5800View |
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2.39 miJarrod Michoski14330 Midway Rd Ste 213, Dallas, TX 75244(972) 386-6300View |
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2.39 miTerrell Insurance Services13712 Neutron Rd, Dallas, TX 75244(214) 378-8870View |
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2.39 miCambridge Insurance Agency13740 Neutron Rd, Dallas, TX 75244(214) 758-0414View |
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2.39 miLee Insurance Services5050 Spring Valley Rd, Dallas, TX 75244(972) 367-4850View |
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2.39 miBurns & Wilcox5001 Spring Valley Rd Ste 1000w, Dallas, TX 75244(214) 560-2450View |
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2.39 miHarrison Insurance Agency5001 Spring Valley Rd Ste 400, Dallas, TX 75244(972) 250-1776View |
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2.39 miCentury Star Insurance Agency5001 Spring Valley Rd Ste 400e, Dallas, TX 75244(214) 414-3433View |
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2.39 miGoosehead Insurance - David Jackson & Zoltan Papp5001 Spring Valley Rd Ste 400e, Dallas, TX 75244(972) 808-7488View |
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2.39 miMichael Campbell14330 Midway Rd Ste 113, Dallas, TX 75244(214) 467-8111View |
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2.6 miJohn Harbus7522 Campbell Rd Ste 105, Dallas, TX 75248(972) 380-0618View |
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2.6 miBrandy Hunt16135 Preston Rd Ste 104, Dallas, TX 75248(972) 233-0707View |
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2.6 miSammy Eskenazi16135 Preston Rd Ste 305, Dallas, TX 75248(972) 385-1651View |
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2.6 miBrightway Insurance17194 Preston Rd Ste 210, Dallas, TX 75248(972) 584-1286View |
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2.6 miEd Lara17194 Preston Rd Ste 221b, Dallas, TX 75248(972) 233-7300View |
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2.6 miLewis Henderson Insurance Agency15570 N Dallas Prkwy #600, Dallas, TX 75248(817) 282-3234View |
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2.6 miMilestone Insurance and Investment Services15660 Dallas Pkwy Ste 900, Dallas, TX 75248(972) 763-0500View |
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2.6 miRani Alfers15400 Knoll Trail Dr Ste 112, Dallas, TX 75248(972) 661-5200View |
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2.6 miArd Knox Insurance5200 Keller Springs Rd Apt 822, Dallas, TX 75248(214) 883-4584View |
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2.6 miKrauter & Company16250 Knoll Trail Dr Ste 100, Dallas, TX 75248(469) 374-5812View |
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2.6 miTWFG Insurance Services - Monika Mir16660 Dallas Pkwy Ste 2250, Dallas, TX 75248(972) 407-9800View |
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2.6 miJeffrey Wolf16800 Dallas Pkwy Ste 170, Dallas, TX 75248(972) 818-3112View |
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2.6 miVictor Corby16800 Dallas Pkwy Ste 170, Dallas, TX 75248(972) 818-3155View |
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2.6 miAndrew Rodriguez16950 Dallas Pkwy Ste 101, Dallas, TX 75248(972) 931-9868View |
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2.6 miDonna Baty16950 Dallas Pkwy Ste 101, Dallas, TX 75248(972) 931-9868View |
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2.6 miRisk Guru Auto Insurance16950 Dallas Pkwy Ste 104, Dallas, TX 75248(972) 713-6363View |
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2.6 miBell Insurance16980 Dallas Pkwy Ste 210, Dallas, TX 75248(972) 535-5078View |
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2.6 miBrad Lignell16990 Dallas Pkwy Ste 105, Dallas, TX 75248(972) 235-1948View |
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2.6 miMorgan Sandlin16990 Dallas Pkwy # 200, Dallas, TX 75248(469) 310-6999View |
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2.6 miCP Insurance Associates17090 Dallas Pkwy # 100, Dallas, TX 75248(469) 916-6665View |
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2.6 miAurora Insurance Services17110 Dallas Pkwy Ste 120, Dallas, TX 75248(210) 945-3535View |
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2.6 miHillco Insurance Agency17120 Dallas Pkwy Ste 140, Dallas, TX 75248(972) 852-5180View |
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2.6 miSteve Shields17130 Dallas Pkwy Ste 175, Dallas, TX 75248(972) 733-3500View |
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2.79 miKeenon Thurmond18613 Marsh Ln Ste 400, Dallas, TX 75287(972) 862-9565View |
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2.79 miJeff Stager19021 Midway Rd Ste 300, Dallas, TX 75287(972) 378-3500View |
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2.79 miAardvark Insurance Agency3603 Amber Hills Dr, Dallas, TX 75287(972) 307-8777View |
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2.79 miPat Bostian18110 Midway Rd Ste 182, Dallas, TX 75287(972) 713-0943View |
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2.79 miBrent Holtz3427 E. Trinity Mills Road Suite 601, Dallas, TX 75287(972) 306-1234View |
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2.79 miKevin Davis4801 Frankford Rd Ste 100, Dallas, TX 75287(972) 818-4223View |
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2.79 miYes Insurance Company17440 Dallas Pkwy Ste 201, Dallas, TX 75287(972) 428-2662View |
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2.79 miVickie Lundquist17440 Dallas Pkwy Ste 105, Dallas, TX 75287(972) 250-9995View |
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2.79 miToan Ngo4043 Trinity Mills Rd Ste 119, Dallas, TX 75287(214) 989-7969View |
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2.79 miMarc Hill4454 Trinity Mills Rd, Dallas, TX 75287(972) 407-0197View |
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2.79 miMark Caudle4454 Trinity Mills Rd, Dallas, TX 75287(972) 407-9972View |
Learn More About Car Insurance in Addison, TX
Helpful Info on Texas Car Insurance
Here is a list of useful information regarding Texas car insurance and driving in Texas roads.
Total vehicles registered | 24,527,939 |
Total uninsured motorists | 14.1% |
Estimated economic loss of all vehicle crashes | $38.4 billion |
Sources: uninsured motorists, 2015, crash report, 2018
Different car insurance coverage options available in Texas
There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.
- Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
- Collision covers for the expenses on your car caused by accident.
- Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
- Medical payments cover your's and your passenger's medical bills
- Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
- Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
- Towing and labor covers for the pay for towing your car and labor cost.
- Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.