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 Boerne, TX and Near by
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0 miHunter Agency105 River Rdg, Boerne, TX 78006(210) 395-4413View |
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0 miJohn Nipp26254 Interstate 10 W Ste 214, Boerne, TX 78006(210) 698-0107View |
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0 miTexas Farm Bureau Insurance28719 Interstate 10 W, Boerne, TX 78006(830) 981-4802View |
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0 miAdam Boriack Insurance28720 Interstate 10 W Ste 210, Boerne, TX 78006(832) 594-3311View |
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0 miSteve Nanez28550 Interstate 10 W Unit 3, Boerne, TX 78006(210) 764-6507View |
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0 miHill Country Custom Insurance136 Old San Antonio Rd Ste 305, Boerne, TX 78006(830) 816-5272View |
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0 miSonora Insurance Group136 Old San Antonio Rd Ste 201, Boerne, TX 78006(830) 443-4890View |
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0 miRob Anderson32882 Interstate 10 W Ste 201, Boerne, TX 78006(830) 816-5144View |
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0 miMcMullan Insurance AgencyIh 10, Boerne, TX 78006(830) 249-7022View |
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0 miR Yates & Associates Insurance Agency2 Spencer Rd Ste 102, Boerne, TX 78006(210) 333-3093View |
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0 miRPB Independent Insurance Services2 Spencer Rd Ste 102, Boerne, TX 78006(830) 249-8405View |
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0 miArmstrong Insurance Agency41109 Interstate 10 W Ste F, Boerne, TX 78006(210) 614-3044View |
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0 miKam M. Walker121 Lohmann St, Boerne, TX 78006(210) 860-8926View |
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0 miFiesta Auto Insurance1012 N Main St, Boerne, TX 78006(830) 816-5118View |
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0 miGoosehead Insurance - Eric Wagner1001 S Main St Ste 5, Boerne, TX 78006(210) 714-4635View |
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0 miSharon Huckabay1411 S Main St, Boerne, TX 78006(830) 249-2987View |
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0 miDependable Insurance Agency604 N Main St, Boerne, TX 78006(830) 249-3528View |
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0 miDavison Insurance915 N Main St, Boerne, TX 78006(830) 249-6112View |
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0 miDreiss Insurance Agency805 N Main St, Boerne, TX 78006(830) 249-3502View |
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0 miGoosehead Insurance - Michael Trevino801 N Main St Ste B, Boerne, TX 78006(830) 515-4250View |
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0 miRuben Cardenas Jr410 E San Antonio Ave, Boerne, TX 78006(830) 249-3325View |
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0 miMichael Glick116 N Plant Ave, Boerne, TX 78006(830) 816-9488View |
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0 miYates & Associates1002 E Blanco Rd, Boerne, TX 78006(830) 816-6601View |
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0 miDiamond Insurance Agency1415 E Blanco Rd Ste 5, Boerne, TX 78006(830) 249-7475View |
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0 miBradbury Insurance Agency221 Rosebud St, Boerne, TX 78006(210) 288-5623View |
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0 miGinny Thompson217 E Bandera Rd Ste 1, Boerne, TX 78006(830) 249-9505View |
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0 miOn The Move Insurance28825 1h10 W, Boerne, TX 78006(830) 755-2474View |
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8.5 miThe Hulett Group8000 Fair Oaks Pkwy Ste 201, Boerne, TX 78015(210) 495-8444View |
Learn More About Car Insurance in Boerne, 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.