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Home » Car insurance » Texas » Cheap Car Insurance Georgetown

Cheap Car Insurance in Georgetown

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.
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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

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

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.

ZipAvg. Premium

Insurance Agents in Georgetown, TX and Near by

Agents by ZIP code:
  • 0 mi
    CHG Insurance
    40209 Industrial Park Cir Ste 103, Georgetown, TX 78626
    (512) 843-0069
  • 0 mi
    Knippa-Buchhorn Insurance Agency
    4726 Fm 1105, Georgetown, TX 78626
    (512) 863-2329
  • 0 mi
    Texas Insurance & Financial Services
    1911 N Austin Ave Ste 401, Georgetown, TX 78626
    (512) 931-2937
  • 0 mi
    Dragoo Insurance Agency
    110 E 7th St Ste 300, Georgetown, TX 78626
    (512) 837-5770
  • 0 mi
    Todd Hargrove
    118 E 8th St, Georgetown, TX 78626
    (512) 863-2587
  • 0 mi
    Steve Doering
    712 S Rock St, Georgetown, TX 78626
    (512) 863-9291
  • 0 mi
    Darren Featherstone
    950 W University Ave Ste 209, Georgetown, TX 78626
    (512) 836-9793
  • 0 mi
    Stephanie Featherstone
    950 W University Ave Ste 209, Georgetown, TX 78626
    (512) 868-8000
  • 0 mi
    The Dollar Agency
    407 W University Ave Ste 100, Georgetown, TX 78626
    (512) 869-2211
  • 0 mi
    Hewlett Insurance Group
    7601 S Interstate 35, Georgetown, TX 78626
    (512) 763-3500
  • 0 mi
    Ronald Davis
    301 Leander Rd Ste 103, Georgetown, TX 78626
    (512) 931-2591
  • 0 mi
    Doug Townsend
    301 Leander Rd Ste 103, Georgetown, TX 78626
    (512) 931-2591
  • 0 mi
    Partners Premier Insurance Agency
    301 Leander Rd, Georgetown, TX 78626
    (512) 931-3724
  • 10.72 mi
    Lauren Doering
    1530 Sun City Blvd Ste 140, Georgetown, TX 78633
    (512) 591-7366
  • 10.72 mi
    StraightEdge Insurance
    503 Woodland Park, Georgetown, TX 78633
    (512) 280-3500
  • 5.43 mi
    Paul Lapota
    1821 Westinghouse Rd Ste1150, Georgetown, TX 78627
    (512) 910-3736
  • 9.3 mi
    Bryan E. Jamison
    1616 Williams Dr # A, Georgetown, TX 78628
    (512) 948-0404
  • 9.3 mi
    Michael Kim
    1616 Williams Dr Ste A, Georgetown, TX 78628
    (972) 365-6989
  • 9.3 mi
    Don Homeyer
    1703 Williams Dr, Georgetown, TX 78628
    (512) 930-5500
  • 9.3 mi
    Evans Ewan & Brady Insurance Agency
    2404 Williams Dr, Georgetown, TX 78628
    (512) 869-1511
  • 9.3 mi
    Miller Insurance Agency
    3008 Dawn Dr Ste 205, Georgetown, TX 78628
    (512) 868-5239
  • 9.3 mi
    Joe Farris
    3613 Williams Dr Ste 704, Georgetown, TX 78628
    (512) 930-5022
  • 9.3 mi
    Dady Insurance Agency
    3609 Williams Dr Ste 101, Georgetown, TX 78628
    (512) 930-3239
  • 9.3 mi
    Georgetown Insurance Agency
    2803 Williams Dr Ste 101, Georgetown, TX 78628
    (512) 863-4388
  • 9.3 mi
    Allison Dickmann
    4402 Williams Dr Ste 105, Georgetown, TX 78628
    (512) 868-1088
  • 9.3 mi
    Jason Garner
    3010 Williams Dr Ste 218, Georgetown, TX 78628
    (512) 931-2167
  • 9.3 mi
    Liberty Mutual Agency
    1103 Rivery Dr Ste 170, Georgetown, TX 78628
    (512) 591-2172
  • 9.3 mi
    Janna Briggs
    1112 W University Ave, Georgetown, TX 78628
    (512) 930-5053
  • 9.3 mi
    MetLife Auto & Home - Georgetown
    4400 W State Highway 29, Georgetown, TX 78628
    (936) 828-3918
View all agents ↓

Learn More About Car Insurance in Georgetown, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.



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.