Cheap Car Insurance in San Marcos, Texas (With 2024 Rates)

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.

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.

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Insurance Agents in San Marcos, TX and Near by

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  Meadows Insurance Agency
  1904 Rnch Rd 12 Ste 115, San Marcos, TX 78666
  (512) 392-9000
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  Robert Ruiz
  3209 N Ih 35, San Marcos, TX 78666
  (512) 546-7100
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  Donna Jourdan
  215 Grandview Dr, San Marcos, TX 78666
  (512) 392-5412
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  Beverly Watwood
  1205 Highway 123 Ste 301, San Marcos, TX 78666
  (512) 392-4433
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  Esquivel Insurance Agency
  900 Bugg Ln Ste 115, San Marcos, TX 78666
  (512) 396-0642
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  Mahan Insurance Services
  900 Bugg Ln, San Marcos, TX 78666
  (512) 392-5585
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  Rosado Insurance Agency
  806 N Ih 35, San Marcos, TX 78666
  (512) 805-8898
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  Jo Stephens - State Farm
  1540 S Ih 35 Ste 101, San Marcos, TX 78666
  (512) 805-0600
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  Glenn Wier
  2575 S Ih 35 Ste 101, San Marcos, TX 78666
  (512) 392-6601
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  Brian Parker
  618 S Guadalupe St Ste 104, San Marcos, TX 78666
  (512) 392-2822
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  San Marcos Insurance Agency
  1517 Aquarena Springs Dr Ste C, San Marcos, TX 78666
  (512) 754-7119
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  Insurance Agency of San Marcos
  112 N Lbj Dr, San Marcos, TX 78666
  (512) 396-8290
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  Cisneros Insurance Agency
  101 W San Antonio St, San Marcos, TX 78666
  (512) 805-8760
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  Waldrip Insurance Agency
  116 N L B J Dr, San Marcos, TX 78666
  (512) 353-7411
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  Birdie Deshay Jefferson
  118 E San Antonio St, San Marcos, TX 78666
  (512) 665-9675
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  Chandler Insurance Group
  118 E San Antonio St, San Marcos, TX 78666
  (512) 396-5277
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  Benchmark Insurance Group
  225 W Hopkins St, San Marcos, TX 78666
  (512) 754-2700
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  Matthew Patterson
  222 E Hutchison St, San Marcos, TX 78666
  (512) 396-1234
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  Ted Miska
  410 Harvey St, San Marcos, TX 78666
  (512) 396-5111
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  Germer Insurance Services
  125 Moore St Ste 103, San Marcos, TX 78666
  (512) 396-4567
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  Chuck Misenheimer
  460 W Holland St, San Marcos, TX 78666
  (512) 353-2800
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  Texas Farm Bureau Insurance
  1913 Dutton Dr Ste 301, San Marcos, TX 78666
  (512) 396-2013
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  Rosie Garcia
  2401 Hunter Rd Ste 500, San Marcos, TX 78666
  (512) 392-8050
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  Integra Insurance Services
  102 Suttles Ave, San Marcos, TX 78666
  (512) 392-3055
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  Integrity Insurance Solutions - Bill Taylor
  111 E Mccarty Ln Unit C, San Marcos, TX 78666
  (512) 396-2211
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Learn More About Car Insurance in San Marcos, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

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.