Cheap Car Insurance in Flower Mound, Texas (With 2021 Rates)

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Lowest Premium

$397 / YEAR

Average Premium

$529 / YEAR

Highest Premium

$710 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Flower Mound is around $529 and can go upto $710. 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.

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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Car Insurance Rates in Flower Mound by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Flower Mound. 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.

ZipAvg. Premium
75022$536
75028$514

Insurance Agents in Flower Mound, TX and Near by

  • 0 mi
    Select Insurance Group
    3513 Hidden Trail Ct, Flower Mound, TX 75022
    (972) 816-2029
  • 0 mi
    R Todd Henderson
    6400 Cross Timbers Rd, Flower Mound, TX 75022
    (817) 567-8025
  • 0 mi
    Melody L Whipple
    1900 Long Prairie Rd Ste 134, Flower Mound, TX 75022
    (972) 724-1017
  • 0 mi
    Consolidated Insurance Agency
    2624 Long Prairie Rd Ste 105, Flower Mound, TX 75022
    (972) 410-3030
  • 0 mi
    Jared Rosckes
    2624 Long Prairie Rd, Flower Mound, TX 75022
    (972) 459-1995
  • 0 mi
    Duane Baccus
    2900 Long Prairie Rd Ste A, Flower Mound, TX 75022
    (972) 355-4000
  • 0 mi
    TWFG Insurance Services - Lea Ann Leslie
    2960 Long Prairie Rd, Flower Mound, TX 75022
    (972) 355-1070
  • 0 mi
    Goosehead Insurance - Amanda Gardiner
    2960 Long Prairie Rd, Flower Mound, TX 75022
    (972) 782-4775
  • 0 mi
    Dusty Wallace Insurance
    2980 Long Prairie Rd Ste A, Flower Mound, TX 75022
    (972) 539-7162
  • 0 mi
    Century Insurance Agency
    3200 Long Prairie Rd Ste 200, Flower Mound, TX 75022
    (972) 539-4300
  • 0 mi
    All American Insurance Services
    3204 Long Prairie Rd Ste B, Flower Mound, TX 75022
    (972) 691-5678
  • 0 mi
    Foursquare Insurance Agency
    3360 Long Prairie Rd Ste 300, Flower Mound, TX 75022
    (469) 362-6800
  • 0 mi
    Jett Smith
    1033 Long Prairie Rd Ste 6, Flower Mound, TX 75022
    (972) 899-9790
  • 0 mi
    Tammy Edwards
    2500 Lakeside Pkwy Ste 150, Flower Mound, TX 75022
    (972) 355-7800
  • 3.46 mi
    Stancoff Insurance Agency
    5301 Beacon Ct, Flower Mound, TX 75028
    (972) 899-2286
  • 3.46 mi
    AAA Insurance
    6020 Long Prairie Rd Ste 200, Flower Mound, TX 75028
    (972) 956-9938
  • 3.46 mi
    Jeremy Burk
    2021 Justin Rd Ste 223, Flower Mound, TX 75028
    (972) 587-7004
  • 3.46 mi
    Philip Leibham
    2651 Sagebrush Dr Ste 112, Flower Mound, TX 75028
    (972) 316-6388
  • 3.46 mi
    Tony R Jones
    3111 Cross Timbers Rd Ste 180, Flower Mound, TX 75028
    (972) 355-8241
  • 3.46 mi
    Valdez Integra Insurance Services
    2653 Sagebrush Dr Ste 230, Flower Mound, TX 75028
    (972) 355-8519
  • 3.46 mi
    Brandes Insurance Agency
    3419 Cross Timbers Rd Ste 104t, Flower Mound, TX 75028
    (972) 481-1027
  • 3.46 mi
    Jan Zwerver
    3419 Cross Timbers Rd Ste 102, Flower Mound, TX 75028
    (972) 874-0400
  • 3.46 mi
    Precept Insurance Services
    2605 Sagebrush Dr Ste 204, Flower Mound, TX 75028
    (972) 355-1221
  • 3.46 mi
    Maria Golseth
    3401 Cross Timbers Rd Ste 200, Flower Mound, TX 75028
    (972) 874-8200
  • 3.46 mi
    MetLife Auto & Home - Flower Mound
    3505 Yucca Dr Ste 113, Flower Mound, TX 75028
    (972) 979-8375
  • 3.46 mi
    Alpha-Omega Insurance Agency
    2601 Churchill Dr Ste 101, Flower Mound, TX 75028
    (972) 539-5889
  • 3.46 mi
    Albert McDaniel
    4315 Windsor Centre Trl Ste 400, Flower Mound, TX 75028
    (972) 906-7440
  • 3.46 mi
    Judy Buckley
    2001 Cross Timbers Rd Ste 106, Flower Mound, TX 75028
    (972) 874-8801
  • 3.46 mi
    My-Xuan Tran
    1221 Flower Mound Rd Ste 130, Flower Mound, TX 75028
    (469) 331-9190
  • 3.46 mi
    TWFG Insurance Services - Greg Rains
    2901 Corporate Cir, Flower Mound, TX 75028
    (469) 635-2855
  • 3.46 mi
    Gary Leslie
    2250 Morriss Rd Ste 212, Flower Mound, TX 75028
    (972) 539-1011
  • 3.46 mi
    Mig Financial Group, Inc.
    970 Parker Sq, Flower Mound, TX 75028
    (972) 355-0001
  • 3.46 mi
    The Webber Group
    1001 Cross Timbers Rd Ste 2000, Flower Mound, TX 75028
    (972) 539-8802
  • 3.46 mi
    DFW Insurance of North Texas
    1001 Cross Timbers Rd Ste 2110, Flower Mound, TX 75028
    (972) 436-2172
  • 3.46 mi
    Phillips Insurance
    1001 Cross Timbers Rd Ste 1000, Flower Mound, TX 75028
    (972) 325-4738
View all agents ↓

Learn More About Car Insurance in Flower Mound, 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.