Cheap Car Insurance in New Braunfels, Texas (With 2021 Rates)

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Lowest Premium

$350 / YEAR

Average Premium

$513 / YEAR

Highest Premium

$1000 / YEAR

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

The average annual premium in New Braunfels is around $513 and can go upto $1000. 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 New Braunfels by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in New Braunfels. 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
78130$479
78131$541
78132$491

Insurance Agents in New Braunfels, TX and Near by

  • 0 mi
    Ernest Kenney
    130 S Seguin Ave Ste 101, New Braunfels, TX 78130
    (830) 620-7541
  • 0 mi
    Tunnell Insurance Agency
    145 N Castell Ave, New Braunfels, TX 78130
    (830) 625-1494
  • 0 mi
    Goosehead Insurance - Brandy Schaefer
    246 W San Antonio St Ste 202, New Braunfels, TX 78130
    (830) 237-3757
  • 0 mi
    RKT Insurance Services
    277 W San Antonio St, New Braunfels, TX 78130
    (210) 383-5638
  • 0 mi
    Mund Group
    256 W Mill St, New Braunfels, TX 78130
    (830) 620-4839
  • 0 mi
    Hermes Insurance Agency
    399 W San Antonio St, New Braunfels, TX 78130
    (830) 625-4500
  • 0 mi
    Bill Mehrer
    389 S Seguin Ave, New Braunfels, TX 78130
    (830) 625-5912
  • 0 mi
    Miller & Miller Insurance
    400 W San Antonio St, New Braunfels, TX 78130
    (830) 625-3000
  • 0 mi
    Barry Lagasse
    142 W Jahn St, New Braunfels, TX 78130
    (210) 365-1977
  • 0 mi
    James Mahan Jr
    648 S Castell Ave, New Braunfels, TX 78130
    (830) 387-4045
  • 0 mi
    BDI Insurance
    235 Landa St, New Braunfels, TX 78130
    (830) 606-2317
  • 0 mi
    Texas Risk Solutions
    790 S Castell Ave, New Braunfels, TX 78130
    (210) 585-2860
  • 0 mi
    Josh Blanchett
    1110 W San Antonio St, New Braunfels, TX 78130
    (830) 625-6222
  • 0 mi
    Texas Farm Bureau Insurance
    1105 Eikel St, New Braunfels, TX 78130
    (830) 625-6924
  • 0 mi
    Comaltex Insurance Agency
    1110 Eikel St, New Braunfels, TX 78130
    (830) 625-7511
  • 0 mi
    John Boyd
    398 Landa St, New Braunfels, TX 78130
    (830) 625-6081
  • 0 mi
    Stephanie Bartose
    176 E Faust St, New Braunfels, TX 78130
    (830) 629-9387
  • 0 mi
    L.A. Insurance Agency TX6
    119 S Ih 35, New Braunfels, TX 78130
    (830) 629-9200
  • 0 mi
    David Schlageter
    714 Briarbend Dr, New Braunfels, TX 78130
    (830) 652-5033
  • 0 mi
    Joseph Morris
    1520 S Seguin Ave, New Braunfels, TX 78130
    (210) 621-7677
  • 0 mi
    A-Max Auto Insurance
    263 Loop 337 Ste 700, New Braunfels, TX 78130
    (830) 624-2000
  • 0 mi
    Timothy Brice
    1287 Common St, New Braunfels, TX 78130
    (830) 620-6913
  • 0 mi
    Nicholas Mericle
    1520 S Seguin Ave, New Braunfels, TX 78130
    (830) 608-0100
  • 0 mi
    Mark Elder
    2345 Loop 337 Ste 300, New Braunfels, TX 78130
    (830) 626-0551
  • 0 mi
    Unique Insurance Service
    39 Ridge Dr, New Braunfels, TX 78130
    (830) 608-0993
  • 0 mi
    Justin Meadows
    1928 S Seguin Ave Unit 106, New Braunfels, TX 78130
    (830) 629-3276
  • 0 mi
    TCOR Management
    1421 Hanz Dr, New Braunfels, TX 78130
    (830) 387-7019
  • 0 mi
    Howell & Schmidt Insurance & Investments
    1619 Common St Ste B206, New Braunfels, TX 78130
    (830) 620-4224
  • 0 mi
    Liberty Mutual Agency
    1619 Common St Ste 801 Bldg H, New Braunfels, TX 78130
    (830) 387-7135
  • 0 mi
    Leslie Lybarger
    30 Gruene Park Dr, New Braunfels, TX 78130
    (830) 609-7775
  • 0 mi
    Patricia Granados
    2660 Common St, New Braunfels, TX 78130
    (830) 620-1500
  • 0 mi
    Gregory Blake
    651 N Business Ih 35 Ste 1135, New Braunfels, TX 78130
    (830) 627-1583
  • 0 mi
    Mario Garcia
    651 N Business Ih 35 Ste 1135, New Braunfels, TX 78130
    (830) 627-1583
  • 2.86 mi
    Huddleston & Company
    Po Box 310647, New Braunfels, TX 78131
    (830) 625-7502
  • 8.69 mi
    Presidio Insurance Agency
    1659 State Highway 46 W Ste 115-431, New Braunfels, TX 78132
    (210) 241-3997
  • 8.69 mi
    Mike Flowers
    134 Western Oaks, New Braunfels, TX 78132
    (210) 775-0757
View all agents ↓

Learn More About Car Insurance in New Braunfels, 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.