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 Pflugerville, TX and Near by
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0 miJerry Miller Agency - Farmers2911 A W Grimes Blvd Ste 203, Pflugerville, TX 78660(512) 990-9144View |
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0 miSharon Cobb208 Grand Ave Parkway, Pflugerville, TX 78660(512) 990-7302View |
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0 miDan Tran1317 Picadilly Dr Ste B203, Pflugerville, TX 78660(512) 619-3644View |
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0 miIntegrity Network Insurance Group LLC1315 Grand Avenue Pkwy Ste 101, Pflugerville, TX 78660(512) 989-6006View |
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0 miSam Cueva Insurance Agency16906 Langland Rd, Pflugerville, TX 78660(512) 712-4273View |
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0 miJackie Torres15635 Vision Dr Ste 101, Pflugerville, TX 78660(512) 252-1107View |
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0 miGlenn Moore15301 N Interstate Highway 35 Ste H, Pflugerville, TX 78660(512) 251-7787View |
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0 miDean Mitchell Insurance Agency15424 Fm 1825 Ste 105, Pflugerville, TX 78660(512) 926-8295View |
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0 miParagon Independent Insurance Agency15901 Central Commerce Dr Ste 502, Pflugerville, TX 78660(512) 990-8500View |
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0 miTWFG Insurance Services15901 Central Commerce Dr Ste 404, Pflugerville, TX 78660(512) 252-2618View |
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0 miCarla Carlow15901 Central Commerce Dr Ste 101, Pflugerville, TX 78660(512) 252-2915View |
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0 miJohn Fagan15901 Central Commerce Dr Ste 202, Pflugerville, TX 78660(512) 251-6668View |
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0 miMatthew Eiben15901 Central Commerce Dr Ste 302, Pflugerville, TX 78660(512) 251-5782View |
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0 miCrystal Smith-Shanklin15307 Fm 1825 Ste 2, Pflugerville, TX 78660(512) 990-1580View |
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0 miTexas Farm Bureau Insurance2415 W Pecan St Ste 200, Pflugerville, TX 78660(512) 835-7895View |
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0 miFamily First Insurance15608 Spring Hill Ln, Pflugerville, TX 78660(512) 537-7467View |
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0 miFirst Choice Benefits15608 Spring Hill Ln Ste 109, Pflugerville, TX 78660(877) 412-2037View |
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0 miTodd Durflinger2608 W Pecan St Ste 102, Pflugerville, TX 78660(512) 990-0950View |
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0 miCraig Sini305 N Hthrwld Blvd Ste 150, Pflugerville, TX 78660(512) 990-2222View |
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0 miJeff Coleman111 E Main St, Pflugerville, TX 78660(512) 251-5331View |
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0 miPflugerville Insurance Agency103 E Main St, Pflugerville, TX 78660(512) 447-7995View |
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0 miMichael P Leonard Agency203 N Railroad Ave Ste 3, Pflugerville, TX 78660(512) 827-3333View |
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0 miEileen Martin201 W Main St Ste 102, Pflugerville, TX 78660(512) 202-3831View |
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0 miMH P&C Insurance Agency201 W Main St Ste 102, Pflugerville, TX 78660(512) 852-1382View |
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0 miMetLife Auto & Home - Pflugerville201 W Main St Ste 102, Pflugerville, TX 78660(512) 252-8720View |
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0 miBlackhawk of TX Insurance Services900 E Pecan St Ste 300-276, Pflugerville, TX 78660(512) 522-8551View |
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0 miFelix Chavez Jr616 Fm 685 Ste 106 A, Pflugerville, TX 78660(512) 989-0668View |
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0 miRolando Hernandez1010 Old Austin Hutto Rd Ste 200, Pflugerville, TX 78660(512) 960-2784View |
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0 miJoan Low3908 Veiled Falls Dr, Pflugerville, TX 78660(512) 692-9325View |
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0 miHonest Al's Insurance Agency2421 Kapalua Pl, Pflugerville, TX 78660(512) 806-0900View |
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0 miTanya Lonbrano Callejas2608 Shanty Creek Pl, Pflugerville, TX 78660(512) 535-0049View |
Learn More About Car Insurance in Pflugerville, 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.