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

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Lowest Premium

$377 / YEAR

Average Premium

$482 / YEAR

Highest Premium

$668 / YEAR

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

The average annual premium in Georgetown is around $482 and can go upto $668. 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.

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 Georgetown by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Georgetown. 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
78626	$466
78627	$489
78633	$485
78674	$

Insurance Agents in Georgetown, TX and Near by

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CHG Insurance

40209 Industrial Park Cir Ste 103, Georgetown, TX 78626

(512) 843-0069

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Knippa-Buchhorn Insurance Agency

4726 Fm 1105, Georgetown, TX 78626

(512) 863-2329

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0 mi

Texas Insurance & Financial Services

1911 N Austin Ave Ste 401, Georgetown, TX 78626

(512) 931-2937

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Dragoo Insurance Agency

110 E 7th St Ste 300, Georgetown, TX 78626

(512) 837-5770

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Todd Hargrove

118 E 8th St, Georgetown, TX 78626

(512) 863-2587

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Steve Doering

712 S Rock St, Georgetown, TX 78626

(512) 863-9291

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Darren Featherstone

950 W University Ave Ste 209, Georgetown, TX 78626

(512) 836-9793

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Stephanie Featherstone

950 W University Ave Ste 209, Georgetown, TX 78626

(512) 868-8000

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The Dollar Agency

407 W University Ave Ste 100, Georgetown, TX 78626

(512) 869-2211

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Hewlett Insurance Group

7601 S Interstate 35, Georgetown, TX 78626

(512) 763-3500

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Ronald Davis

301 Leander Rd Ste 103, Georgetown, TX 78626

(512) 931-2591

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Doug Townsend

301 Leander Rd Ste 103, Georgetown, TX 78626

(512) 931-2591

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Partners Premier Insurance Agency

301 Leander Rd, Georgetown, TX 78626

(512) 931-3724

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10.72 mi

Lauren Doering

1530 Sun City Blvd Ste 140, Georgetown, TX 78633

(512) 591-7366

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10.72 mi

StraightEdge Insurance

503 Woodland Park, Georgetown, TX 78633

(512) 280-3500

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5.43 mi

Paul Lapota

1821 Westinghouse Rd Ste1150, Georgetown, TX 78627

(512) 910-3736

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9.3 mi

Bryan E. Jamison

1616 Williams Dr # A, Georgetown, TX 78628

(512) 948-0404

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9.3 mi

Michael Kim

1616 Williams Dr Ste A, Georgetown, TX 78628

(972) 365-6989

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9.3 mi

Don Homeyer

1703 Williams Dr, Georgetown, TX 78628

(512) 930-5500

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9.3 mi

Evans Ewan & Brady Insurance Agency

2404 Williams Dr, Georgetown, TX 78628

(512) 869-1511

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9.3 mi

Miller Insurance Agency

3008 Dawn Dr Ste 205, Georgetown, TX 78628

(512) 868-5239

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9.3 mi

Joe Farris

3613 Williams Dr Ste 704, Georgetown, TX 78628

(512) 930-5022

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9.3 mi

Dady Insurance Agency

3609 Williams Dr Ste 101, Georgetown, TX 78628

(512) 930-3239

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9.3 mi

Georgetown Insurance Agency

2803 Williams Dr Ste 101, Georgetown, TX 78628

(512) 863-4388

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9.3 mi

Allison Dickmann

4402 Williams Dr Ste 105, Georgetown, TX 78628

(512) 868-1088

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9.3 mi

Jason Garner

3010 Williams Dr Ste 218, Georgetown, TX 78628

(512) 931-2167

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9.3 mi

Liberty Mutual Agency

1103 Rivery Dr Ste 170, Georgetown, TX 78628

(512) 591-2172

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9.3 mi

Janna Briggs

1112 W University Ave, Georgetown, TX 78628

(512) 930-5053

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9.3 mi

MetLife Auto & Home - Georgetown

4400 W State Highway 29, Georgetown, TX 78628

(936) 828-3918

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Learn More About Car Insurance in Georgetown, 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.

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