Lowest Premium
$410 / YEAR
Average Premium
$617 / YEAR
Highest Premium
$827 / YEAR
The average annual premium in Baytown is around $617 and can go upto $827. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.
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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Car Insurance Rates in Baytown by ZIP codes
The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Baytown. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.
Zip | Avg. Premium |
---|---|
77520 | $626 |
77521 | $593 |
77523 | $622 |
Insurance Agents in Baytown, TX and Near by
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0 miL.A. Insurance Agency TX222005 Ward Rd, Baytown, TX 77520(713) 692-8400View |
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0 miLiberty Insurance102 Oak Shadows St, Baytown, TX 77520(281) 420-3339View |
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0 miHarris County Insurance Center1008 W Sterling St, Baytown, TX 77520(281) 422-9859View |
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0 miTrevco Insurance411 N Alexander Dr, Baytown, TX 77520(281) 427-9063View |
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0 miFreeway Insurance1248 Garth Rd Ste E, Baytown, TX 77520(832) 241-5213View |
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0 miPenny Insurance1900 Garth Rd Ste 4, Baytown, TX 77520(832) 410-8555View |
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0 miA.E.X. Insurance700 Park St, Baytown, TX 77520(281) 420-1707View |
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0 miA&A Allstarz Insurance Agency2001 N Main St, Baytown, TX 77520(832) 695-3461View |
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0 miJennifer Muldrow2400 N Pruett St, Baytown, TX 77520(281) 427-7337View |
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0 miKen Mitchell2005 N Alexander Dr, Baytown, TX 77520(281) 427-8081View |
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0 miDonnie Pitts2301 N Alexander Dr Ste A, Baytown, TX 77520(281) 427-9062View |
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4.51 miJeff Brabham6919 Garth Rd, Baytown, TX 77521(281) 421-1616View |
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4.51 miFelice Curi Insurance Agency1102 Starflower Ln, Baytown, TX 77521(832) 643-8908View |
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4.51 miRandy Casey4808 East Fwy, Baytown, TX 77521(281) 421-2244View |
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4.51 miMG Insurance Agency1023 Massey Tompkins Rd Ste B, Baytown, TX 77521(281) 428-5300View |
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4.51 miASAP Insurance Agency906 Massey Tompkins Rd, Baytown, TX 77521(281) 838-8122View |
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4.51 miPaul Wankowicz3413 Garth Rd, Baytown, TX 77521(281) 428-7505View |
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4.51 miA-Z Insurance Agency3602 Garth Rd, Baytown, TX 77521(281) 427-1999View |
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4.51 miAcceptance Auto Insurance3517 N Main St, Baytown, TX 77521(281) 837-2886View |
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4.51 miEd Martinez700 Rollingbrook St Ste F, Baytown, TX 77521(281) 422-2282View |
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4.51 miHarris County Insurance608 Rollingbrook St, Baytown, TX 77521(281) 427-6511View |
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4.51 miWalzel Insurance Agency606 Rollingbrook St Ste 1f, Baytown, TX 77521(281) 422-2027View |
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4.51 miJoseph Sapp1109 W Baker Rd, Baytown, TX 77521(281) 422-7299View |
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4.51 miLarry Wilkey116 W Baker Rd, Baytown, TX 77521(281) 427-7471View |
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4.51 miAmtex Insurance4537 Garth Rd Ste 105, Baytown, TX 77521(281) 420-7070View |
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4.51 miBill Black4406 N Main St, Baytown, TX 77521(281) 427-7888View |
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4.51 miDavid Sewell4501 N Main St, Baytown, TX 77521(281) 420-5574View |
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4.51 miBruce Clayton Insurance Agency4503 N Main St, Baytown, TX 77521(281) 422-0088View |
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4.51 miSonya Cather230 W Cedar Bayou Lynchburg Rd, Baytown, TX 77521(281) 421-7575View |
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4.51 miRenee Thibodeaux5165 Garth Rd Ste 700, Baytown, TX 77521(281) 424-5433View |
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4.51 miChad Merling5523 West Rd, Baytown, TX 77521(281) 421-3699View |
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4.51 miMaribel Castillo5702 Garth Rd Ste 200, Baytown, TX 77521(281) 839-7139View |
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4.51 miINSURICA Insurance6011 Garth Rd Ste A, Baytown, TX 77521(281) 421-7605View |
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8.56 miCrystal Allen10425 Eagle Dr, Baytown, TX 77523(281) 576-6036View |
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8.56 miMike Enoch11340 Eagle Dr, Baytown, TX 77523(281) 576-6551View |
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8.56 miPerfect Policy Insurance10525 Eagle Dr, Baytown, TX 77523(281) 301-5849View |
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8.56 miBrent Walters9675 Eagle Dr Ste 104, Baytown, TX 77523(281) 560-4095View |
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8.56 miTexas Farm Bureau Insurance10403 Eagle Dr Ste 3, Baytown, TX 77523(281) 385-2171View |
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8.56 miHuntley Insurance9227 Cotton Bnd, Baytown, TX 77523(409) 779-0105View |
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8.56 miIscential Insurance2770 N Fm 565 Rd, Baytown, TX 77523(281) 428-0996View |
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8.56 miG R Hamilton Agency Insurance9520 N Highway 146, Baytown, TX 77523(281) 385-1037View |
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8.56 miEast Side Insurance Agency8203 Blackcherry Ln, Baytown, TX 77523(281) 837-7415View |
Learn More About Car Insurance in Baytown, 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.