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 Cypress, TX and Near by
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2.59 miKyle Angelle29110 Highway 290 Ste 600, Cypress, TX 77433(832) 220-1880View |
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2.59 miPremier Insurance15040 Fairfield Ville Dr Ste 190, Cypress, TX 77433(281) 213-5959View |
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2.59 miErlynne Rivera-Nansteel16518 House Hahl Rd Ste B2, Cypress, TX 77433(281) 550-5590View |
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2.59 miGibraltar Insurance Services11734 Barker Cypress Rd Ste 116, Cypress, TX 77433(832) 216-8535View |
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2.59 miJerry Jungels10920 Fry Rd Ste 700, Cypress, TX 77433(281) 256-3330View |
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2.59 miTommy Johnson15835 Mueschke Rd, Cypress, TX 77433(281) 829-6942View |
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2.59 miAndrea Shotwell16341 Mueschke Rd Ste 170, Cypress, TX 77433(281) 607-2416View |
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2.59 miHope Favorite Felder9740 Barker Cypress Rd Ste 109a, Cypress, TX 77433(281) 256-0818View |
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2.59 miJoel Muller11740 Barker Cypress Rd Ste 111, Cypress, TX 77433(281) 304-9488View |
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2.59 miRobin Haynes8190 Barker Cypress Rd Ste 700, Cypress, TX 77433(281) 859-8980View |
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2.59 miKarina Sosa7160 Barker Cypress Rd Ste G, Cypress, TX 77433(281) 861-0441View |
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2.59 miDavid Everest7014 Fry Rd Ste 107, Cypress, TX 77433(281) 861-8112View |
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2.59 miVeronica Alvarez20403 Fm 529 Rd, Cypress, TX 77433(281) 258-4733View |
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3.17 miLee Patterson16007 Mary Ann St, Cypress, TX 77429(281) 373-4646View |
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3.17 miDagley Insurance & Financial Services17515 Spring Cypress Rd Ste G, Cypress, TX 77429(281) 213-3773View |
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3.17 miMark Adkins17400 Spring Cypress Rd Ste 120, Cypress, TX 77429(281) 373-1961View |
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3.17 miAAA Insurance25626 Northwest Fwy Ste 600, Cypress, TX 77429(281) 758-3360View |
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3.17 miJavier Chavez25222 Northwest Fwy Apt 103, Cypress, TX 77429(832) 497-1920View |
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3.17 miRigo Flores25222 Northwest Fwy Apt 189, Cypress, TX 77429(281) 213-4094View |
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3.17 miCleveland Shiff Insurance14502 Cypress Mill Place Blvd Ste 300-b, Cypress, TX 77429(281) 251-3033View |
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3.17 miGoosehead Insurance - Jenifer Hoffman15737 Jarvis Rd, Cypress, TX 77429(281) 373-4960View |
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3.17 miKathye Carpenter12312 Barker Cypress Rd, Cypress, TX 77429(281) 373-2266View |
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3.17 miBrent Rotto24120 Northwest Fwy Ste 400, Cypress, TX 77429(281) 709-4633View |
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3.17 miBenjamin Davis17920 Huffmeister Rd Ste 200, Cypress, TX 77429(918) 636-3863View |
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3.17 miJames Webb17920 Huffmeister Rd Ste 200, Cypress, TX 77429(281) 256-0800View |
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3.17 miRobert Cadey17920 Huffmeister Rd Ste 220, Cypress, TX 77429(713) 780-2406View |
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3.17 miState Farm - Kristi Sebera16230 Lee Way Dr, Cypress, TX 77429(281) 304-1101View |
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3.17 miShannon Galvin16919 Jelly Park Stone Dr, Cypress, TX 77429(713) 857-5554View |
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3.17 miCharlie Pierce15210 Spring Cypress Rd Ste K, Cypress, TX 77429(281) 758-3075View |
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3.17 miOncken Insurance Agency14007 Telge Rd, Cypress, TX 77429(281) 256-8310View |
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3.17 miMike Lecompte Insurance Agency12907 Oakwood Manor Dr, Cypress, TX 77429(281) 894-1880View |
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3.17 miRobert Burg16724 Telge Rd, Cypress, TX 77429(281) 373-1009View |
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3.17 miRandall Knight14415 Huffmeister Rd Ste 100, Cypress, TX 77429(281) 304-8991View |
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3.17 miJamie Morgan11422 Telge Rd, Cypress, TX 77429(281) 890-6453View |
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3.17 miAll Business Insurance Services13119 Huffmeister Rd, Cypress, TX 77429(281) 304-2300View |
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3.17 miKimberly Webb17774 Cypress Rose Rd Ste 800, Cypress, TX 77429(832) 912-8515View |
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3.17 miJessakin Insurance21858 Northwest Fwy, Cypress, TX 77429(281) 955-9540View |
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3.17 miBurg Insurance Group of Texas16724 Telge Rd Bldg 3, Cypress, TX 77429(281) 351-6944View |
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3.17 miThe Dollar Agency16807 Telge Rd, Cypress, TX 77429(281) 255-0600View |
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3.17 miJorge Gonzalez13910 Schmidt Rd, Cypress, TX 77429(281) 720-0400View |
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3.17 miBench Insurance10514 Hemwick Dr, Cypress, TX 77429(832) 678-0022View |
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3.17 miThe Patriot Insurance Agencies10514 Hemwick Dr, Cypress, TX 77429(281) 469-3848View |
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3.17 miSouthern American Insurance Agency13823 Schmidt Rd, Cypress, TX 77429(281) 890-9294View |
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3.17 miTodd Ray17521 Telge Rd Ste A, Cypress, TX 77429(281) 290-7245View |
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3.17 miMike Bristow13050 Louetta Rd Ste 220, Cypress, TX 77429(281) 374-6500View |
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3.17 miInsureUS13026 Cypress North Houston Rd Ste 101, Cypress, TX 77429(281) 640-8888View |
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3.17 miTouchstone Insurance Group12837 Louetta Rd Ste 202, Cypress, TX 77429(281) 376-1600View |
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3.17 miDavid Canale12617 Louetta Rd Ste 210, Cypress, TX 77429(281) 376-9505View |
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3.17 miJeff C. Burton11803 Grant Rd Ste 104, Cypress, TX 77429(281) 320-1990View |
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3.17 miLarry Swiney11803 Grant Rd Ste 207, Cypress, TX 77429(281) 655-1144View |
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3.17 miKaren Wylie12215 Heatherwick Dr, Cypress, TX 77429(281) 379-4820View |
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3.17 miDavid Newberry11810 Cypress North Houston Rd Ste C, Cypress, TX 77429(281) 970-1414View |
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3.17 miJerrad Ragsdell11127 Mccracken Cir Ste A, Cypress, TX 77429(832) 678-4733View |
Learn More About Car Insurance in Cypress, 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.