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 Kingwood, TX and Near by
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1.74 miAcceptance Auto Insurance19333 Highway 59 N Ste 130, Humble, TX 77338(281) 548-0202View |
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1.74 miAmtex Insurance228 Charles St, Humble, TX 77338(713) 662-0000View |
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1.74 miKosub & Associates Insurance320 E Main St Ste D, Humble, TX 77338(281) 540-2202View |
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1.74 miCLJ Risk Management514 E Main St, Humble, TX 77338(832) 777-0381View |
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1.74 miTrey Guidry107 1st St W Ste 100, Humble, TX 77338(281) 446-8146View |
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1.74 miNeighborhood Insurance Specialists807 1st St E, Humble, TX 77338(281) 548-2000View |
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1.74 miASAP Insurance Agency31 W Main St, Humble, TX 77338(281) 540-7011View |
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1.74 miJose Medrano203 N Houston Ave, Humble, TX 77338(281) 446-5404View |
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1.74 miPeoples Choice Insurance Solutions & Investments200 N Houston Ave Ste C, Humble, TX 77338(281) 852-9396View |
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1.74 miAi United Insurance216 N Bender Ave, Humble, TX 77338(281) 446-6950View |
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1.74 miMomentum Insurance & Financial Services125 W Main Ste A, Humble, TX 77338(281) 540-1091View |
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1.74 miAuto Insurance Discounters20030 Highway 59 N Ste A, Humble, TX 77338(281) 319-4900View |
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1.74 miLMS Insurance Agency20036 Highway 59 N, Humble, TX 77338(281) 360-1040View |
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1.74 miTravis Davis19747 Highway 59 N Ste 270, Humble, TX 77338(281) 540-4600View |
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1.74 miKevin Cavazos19333 Highway 59 N Ste 195, Humble, TX 77338(281) 446-1203View |
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1.74 miKerry Maxey Insurance1410 Fm 1960 Bypass Rd E Ste D, Humble, TX 77338(281) 446-2545View |
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1.74 miTWFG Insurance Services - Dale Ratliff1410 Fm 1960 Bypass Rd E, Humble, TX 77338(832) 644-5500View |
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1.74 miChris Roberson1420 Fm 1960 Bypass Rd E Ste 121, Humble, TX 77338(281) 446-2629View |
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1.74 miJohn Emerson639 Wilson Rd, Humble, TX 77338(281) 446-4424View |
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1.74 miMetro Allied North Insurance Agency2031 Humble Place Dr, Humble, TX 77338(281) 776-5555View |
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1.74 miNathaniel Stover1931 Humble Place Dr Ste 203, Humble, TX 77338(281) 964-4408View |
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1.74 miTWFG Insurance Services - Ryan Guillory1931 Humble Place Dr Ste 102, Humble, TX 77338(713) 860-4063View |
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1.74 miTexas Worldwide Insurance2031 Humble Place Dr, Humble, TX 77338(281) 449-1422View |
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1.74 miBill Chapman9684 Fm 1960 Bypass Rd W, Humble, TX 77338(281) 548-9903View |
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1.74 miWilkinson Insurance Agency10203 Birchridge Dr Ste 220, Humble, TX 77338(281) 446-0467View |
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1.74 miLarry Harper10203 Birchridge Dr Ste 230, Humble, TX 77338(281) 446-1991View |
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1.74 miNora Reyna10203 Birchridge Dr Ste 825, Humble, TX 77338(281) 973-9985View |
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1.74 miCedric Johnson8998 Will Clayton Pkwy Ste C, Humble, TX 77338(281) 441-3338View |
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1.74 miCarr Insurance Agency8840 Will Clayton Pkwy Ste E, Humble, TX 77338(281) 570-6085View |
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1.74 miDale Guidry9142 Will Clayton Parkway, Humble, TX 77338(281) 852-7967View |
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1.74 miSerna Insurance Agency9232 Will Clayton Pkwy, Humble, TX 77338(281) 812-9775View |
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1.74 miA-Z Insurance Agency7850 Fm 1960 Byp Rd W, Humble, TX 77338(832) 412-2688View |
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4.58 miKenneth Pickett4361 Kingwood Dr, Kingwood, TX 77339(281) 360-4981View |
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4.58 miPickett Insurance Agency4361 Kingwood Dr, Kingwood, TX 77339(281) 360-2100View |
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4.58 miDormer Insurance Services13 N Main St, Kingwood, TX 77339(281) 360-3252View |
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4.58 miKent Kiesewetter4411 Town Center Pl, Kingwood, TX 77339(281) 358-9800View |
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4.58 miPat Cunningham2845b W Town Center Cir, Kingwood, TX 77339(281) 361-9719View |
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4.58 miChristine Zenker3090 Northpark Dr, Kingwood, TX 77339(281) 360-5900View |
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4.58 miWard Brothers & Associates2605 W Lake Houston Pkwy, Kingwood, TX 77339(281) 548-2381View |
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4.58 miTexas Insurance Services3007 Woodland Hills Dr # 139, Kingwood, TX 77339(281) 359-3144View |
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4.58 miGreen Insurance Services2261 Northpark Dr Ste 316, Kingwood, TX 77339(281) 608-1838View |
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4.58 miTWFG - Guajardo Insurance808 Russell Palmer Rd Ste 264, Kingwood, TX 77339(713) 352-3064View |
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4.58 miTWFG Insurance Services - Ryan Welborn808 Russell Palmer Rd, Kingwood, TX 77339(713) 344-0405View |
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4.58 miSteven Boyer1800 Northpark Dr Ste C, Kingwood, TX 77339(281) 361-6911View |
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4.58 miBob Mitchell1603 Lakeville Dr # 101, Kingwood, TX 77339(281) 348-0855View |
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4.58 miMary Lou Melton Insurance Agency1525 Lakeville Dr Ste 128, Kingwood, TX 77339(281) 852-5858View |
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4.58 miRichey Insurance Agency2530 Green Oak Dr Ste B, Kingwood, TX 77339(281) 360-4646View |
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4.58 miKirk Gilfour1548 Kingwood Dr, Kingwood, TX 77339(281) 358-4722View |
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4.58 miTWFG Insurance Services - Susan Stover1414 Stonehollow Dr Ste 4, Kingwood, TX 77339(281) 361-3000View |
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4.58 miEral Sutton Insurance Agency1384 Stonehollow Dr Ste 2, Kingwood, TX 77339(281) 359-1221View |
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4.58 miButch Standerfer1329 Kingwood Dr, Kingwood, TX 77339(281) 361-8188View |
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4.58 miKevin Bleier1306 Kingwood Dr Ste C, Kingwood, TX 77339(281) 358-5100View |
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4.58 miYasir Khan1202 Kingwood Dr Ste D, Kingwood, TX 77339(281) 358-7430View |
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4.58 miGrammatico Investment Group27600 Kings Manor Dr N Apt 1712, Kingwood, TX 77339(713) 449-3176View |
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4.58 miLavezzari Insurance1110 Kingwood Dr Ste 100, Kingwood, TX 77339(281) 358-7490View |
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4.58 miMichael Harper900 Rockmead Dr Ste 264, Kingwood, TX 77339(281) 359-1753View |
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4.58 miGilvaner Soares24551 Loop 494 Ste 108, Kingwood, TX 77339(281) 359-5165View |
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4.58 miHal Rice700 Rockmead Dr Ste 140, Kingwood, TX 77339(281) 358-7000View |
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4.58 miTim O'Neill29201 Loop 494, Kingwood, TX 77339(281) 358-4444View |
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4.58 miParkway Family Insurance Agency22565 Highway 59 N, Kingwood, TX 77339(832) 698-5298View |
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4.58 miMomentum Insurance & Financial Services23966 Highway 59 N, Kingwood, TX 77339(281) 359-1288View |
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4.58 miBrian Burklow23902 Highway 59 N, Kingwood, TX 77339(281) 354-1210View |
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7.54 miPerfect Policy Insurance7214 Fm 1488, Kingwood, TX 77345(281) 201-4259View |
Learn More About Car Insurance in Kingwood, 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.