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 Barker, TX and Near by
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2.36 miInsignis One11773 Westborough Ste 321, Katy, TX 77449(281) 394-3001View |
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2.36 miLarry Smith1801a N Mason Rd, Katy, TX 77449(281) 347-3333View |
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2.36 miJay Blanco1603 N Westgreen Blvd Ste 140, Katy, TX 77449(713) 559-2008View |
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2.36 miTricia Calzavara20300 Franz Rd Ste 4, Katy, TX 77449(281) 855-7220View |
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2.36 miJose Rios20300 Franz Rd Ste 4, Katy, TX 77449(281) 828-0683View |
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2.36 miPat Thonen Insurance Agency1773 Westborough Dr Ste 206, Katy, TX 77449(713) 777-3066View |
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2.36 miCurt McCrae & Associates21411 Clay Rd Ste C, Katy, TX 77449(281) 858-2485View |
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2.36 miTWFG Insurance Services - Craig Andrews1844 Snake River Rd Ste B, Katy, TX 77449(832) 913-5739View |
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2.36 miAyuda Hispana Insurance Agency1846 Snake River Rd Ste A, Katy, TX 77449(281) 578-5222View |
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2.36 miNoah Yaro1802 Snake River Rd Ste D, Katy, TX 77449(281) 944-9445View |
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2.36 miDale A Willard2211 N Fry Rd Ste G, Katy, TX 77449(281) 647-0131View |
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2.36 miAAAA Insurance2329 N Fry Rd, Katy, TX 77449(281) 398-7222View |
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2.36 miJoseph Andrade3020 N Fry Rd, Katy, TX 77449(281) 829-5656View |
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2.36 miJuan Pereira3719 N Fry Rd Ste C, Katy, TX 77449(281) 599-3741View |
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2.36 miTim Tureau3939 Fry Rd Ste B, Katy, TX 77449(281) 599-8001View |
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2.36 miThomas Stevens6201 Fry Rd Ste A, Katy, TX 77449(281) 656-8007View |
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2.36 miRick Luckett5444 Fry Rd Ste B, Katy, TX 77449(281) 859-9191View |
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2.36 miAbility Insurance Agency19410 Clay Rd Ste G, Katy, TX 77449(281) 859-2000View |
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2.36 miMario Cruz Perez5516 N Fry Rd Ste C, Katy, TX 77449(832) 803-0015View |
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2.36 miMCN Multiservices19214 Clay Rd Ste G, Katy, TX 77449(281) 858-1115View |
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2.36 miAP Insurance & Tax5770 N Fry Rd Ste 5, Katy, TX 77449(281) 550-0030View |
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2.36 miR & M Agency5803 Fry Rd Ste 105, Katy, TX 77449(832) 649-3183View |
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2.36 miE. Flores Insurance5751 Greenhouse Rd Ste 106, Katy, TX 77449(281) 829-1988View |
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2.36 miMarco Cervantes19310 W Little York Rd Ste E, Katy, TX 77449(281) 861-2700View |
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2.36 miDel Sol Insurance19128 W Little York Rd Ste B, Katy, TX 77449(281) 656-8311View |
Learn More About Car Insurance in Barker, 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.