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 Forney, TX and Near by
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0 miBrowning Insurance1102 Ranch Rd Ste 212, Forney, TX 75126(972) 552-9100View |
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0 miBo Bailey1102 Ranch Rd Ste 218, Forney, TX 75126(469) 602-5680View |
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0 miDee Carter711 W Broad St, Forney, TX 75126(972) 564-1400View |
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0 miGoosehead Insurance - Jim KirkCraig Parker104 East Us Highway 80 Suite 175, Forney, TX 75126(214) 991-9368View |
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0 miRichard Smith Financial411 N Mcgraw St, Forney, TX 75126(972) 564-4011View |
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0 miEssential Insurance Concepts411 N Mcgraw St, Forney, TX 75126(469) 728-7243View |
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0 miJakie Allen528 Pinson Rd, Forney, TX 75126(972) 564-0318View |
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0 miJustin Slocum406 Pinson Rd, Forney, TX 75126(972) 564-4001View |
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0 miCurt Thomas Cilio205 E Us Highway 80 Ste 100, Forney, TX 75126(972) 564-5580View |
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0 miGreg Howell Insurance207 W Broad St, Forney, TX 75126(972) 564-0416View |
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0 miChad E. Davis112 W Broad St, Forney, TX 75126(469) 556-2376View |
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0 miTexas Farm Bureau Insurance112 W Main St, Forney, TX 75126(972) 564-0290View |
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0 miTom Hipsher106 N Bois D Arc St # 102, Forney, TX 75126(972) 564-0681View |
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0 miUnity Coverage110 Industrial Dr, Forney, TX 75126(972) 798-8506View |
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0 miJoe Dan McBeth107 E Main, Forney, TX 75126(972) 564-2414View |
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0 mi1st Choice Insurance306 N Center St, Forney, TX 75126(972) 564-3333View |
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0 miHill Insurance Agency603 E Broad St, Forney, TX 75126(972) 552-3131View |
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0 miBobby Reneau771 E Us Highway 80, Forney, TX 75126(972) 357-3060View |
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0 miEric Payton771 E Us Highway 80 Ste 200, Forney, TX 75126(469) 689-2000View |
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0 miRobert Mooney9550 Helms Trl Ste 1500, Forney, TX 75126(972) 552-1330View |
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0 miHibbs-Hallmark & Company9787 Helms Trl, Forney, TX 75126(972) 564-0934View |
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0 miMcDermett Insurance Agency10374 Jennifer Cir Ste A, Forney, TX 75126(972) 564-6866View |
Learn More About Car Insurance in Forney, 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.