Cheap Car Insurance in Montgomery, Texas (With 2024 Rates)

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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.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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Insurance Agents in Montgomery, TX and Near by

  • 0 mi
    Lone Star Insurance Group
    13100 Fm 149 Rd Ste 101, Montgomery, TX 77316
    (936) 449-6547
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  • 0 mi
    Nicholas Morton
    125 Blue Heron Dr Bay Stea, Montgomery, TX 77316
    (936) 588-6668
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  • 0 mi
    Brian Toms
    125 Blue Heron Dr, Montgomery, TX 77316
    (713) 585-6957
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  • 0 mi
    Mason Financial Services
    7274 Forest Hills Dr, Montgomery, TX 77316
    (936) 520-7459
    View |
  • 9.78 mi
    Shanon Salsbury
    20821 Eva St Ste C, Montgomery, TX 77356
    (936) 597-6200
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  • 9.78 mi
    Randy Juneau
    16145 Highway 105 W, Montgomery, TX 77356
    (936) 756-4100
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  • 9.78 mi
    Joe Cook
    15349 Summit Park Dr Ste 1021, Montgomery, TX 77356
    (936) 202-2513
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  • 9.78 mi
    Lemaster Insurance Agency
    19700 Highway 105 W, Montgomery, TX 77356
    (936) 582-2330
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  • 9.78 mi
    First Insurance Services
    10461 Commerce Row, Montgomery, TX 77356
    (936) 449-8055
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  • 9.78 mi
    Danny Skelton
    19683 Highway 105 W Ste 104, Montgomery, TX 77356
    (281) 764-8644
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  • 9.78 mi
    Brigance Insurance
    19683 Highway 105 W Ste 124, Montgomery, TX 77356
    (281) 351-5000
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  • 9.78 mi
    Lines of Texas Insurance
    16955 Walden Rd Ste 122, Montgomery, TX 77356
    (936) 448-7245
    View |
  • 9.78 mi
    Kathryn Sullivan
    18445 Highway 105 W Unit 105, Montgomery, TX 77356
    (936) 448-4000
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  • 9.78 mi
    Daniela Mead
    18001 Highway 105 Ste 104, Montgomery, TX 77356
    (936) 242-6884
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  • 9.78 mi
    Texas Partners Insurance Group & Financial Services
    15001 Walden Rd Ste 215c, Montgomery, TX 77356
    (936) 588-2202
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  • 9.78 mi
    Eminence Insurance Services
    13040 Ranchette Rd, Montgomery, TX 77356
    (936) 449-1571
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  • 9.78 mi
    Timothy Wilson
    14001 Walden Rd Ste 500, Montgomery, TX 77356
    (936) 856-3130
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  • 9.78 mi
    TGH Insurance
    14001 Walden # 500, Montgomery, TX 77356
    (936) 465-9981
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  • 9.78 mi
    Moore Insurance Agency
    3207 Chippers Xing, Montgomery, TX 77356
    (936) 647-5688
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  • 9.78 mi
    TWFG Insurance Services - Diane Cornwell
    12314-b Hawthorne Dr, Montgomery, TX 77356
    (512) 924-1090
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  • 9.78 mi
    James Bullard
    15949 Highway 105 W Ste 51, Montgomery, TX 77356
    (936) 588-3110
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  • 9.78 mi
    Edmonds Insurance Agency - Allphin Insurance Agency
    14888 Highway 105 W Ste 103, Montgomery, TX 77356
    (936) 588-1990
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  • 9.78 mi
    Nicholas Morton
    14888 Highway 105 W Ste 108, Montgomery, TX 77356
    (281) 356-8787
    View |
  • 9.78 mi
    Tom Latter Insurance
    14888 Highway 105 W Ste 111, Montgomery, TX 77356
    (936) 597-5001
    View |
  • 9.78 mi
    Melinda Schurr
    14729 Highway 105 W Ste 100, Montgomery, TX 77356
    (936) 447-6733
    View |
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Learn More About Car Insurance in Montgomery, 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 registered24,527,939
Total uninsured motorists14.1%
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.