Cheap Car Insurance in Schertz, Texas (With 2021 Rates)

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Home » Car insurance » Texas » Cheap Car Insurance Schertz

Lowest Premium

$350 / YEAR

Average Premium

$506 / YEAR

Highest Premium

$719 / YEAR

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

The average annual premium in Schertz is around $506 and can go upto $719. 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 Schertz by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Schertz. 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
78148$
78154$506

Insurance Agents in Schertz, TX and Near by

  • 0 mi
    KDJ Insurance Agency
    204 Mill St, Schertz, TX 78154
    (210) 659-0312
  • 0 mi
    Colombo Insurance Agency
    611 Main St, Schertz, TX 78154
    (210) 966-0601
  • 0 mi
    Cynthia Guadarrama
    524 Exchange Ave, Schertz, TX 78154
    (210) 659-0234
  • 0 mi
    Will Peterson
    908 Fm 3009, Schertz, TX 78154
    (210) 566-8467
  • 0 mi
    Alex Hartman - State Farm Insurance
    1420 Schertz Pkwy Ste 170, Schertz, TX 78154
    (210) 658-8885
  • 0 mi
    Cindy Deschamps
    1420 Schertz Pkwy Ste 230, Schertz, TX 78154
    (210) 656-1462
  • 0 mi
    Margaret Weese
    9330 Corporate Dr Ste 807, Schertz, TX 78154
    (210) 821-5537
  • 0 mi
    Goosehead Insurance - Carri Amescua
    9330 Corporate Dr Ste 603, Schertz, TX 78154
    (210) 487-0157
  • 0 mi
    Champion Insurance Agency
    17305 Interstate 35 N Ste 124, Schertz, TX 78154
    (210) 566-9407
  • 0 mi
    Rick Cantara
    14791 Ih 35 N Ste 105, Schertz, TX 78154
    (210) 656-3276
  • 0 mi
    Vince Trevino
    17331 Ih 35 N Ste 108, Schertz, TX 78154
    (210) 651-6265
  • 0 mi
    QSP Insurance Services
    17460 Ih 35 N, Schertz, TX 78154
    (210) 693-0305
  • 0 mi
    John Riojas Insurance Agency
    1304 Black Oak Dr, Schertz, TX 78154
    (210) 480-7073
  • 0 mi
    Bill Hicks
    17460 Ih 35 N Ste 400, Schertz, TX 78154
    (210) 658-4642
  • 0 mi
    Robert Fay
    17305 Ih 35 N Ste 106, Schertz, TX 78154
    (210) 822-2877
  • 0 mi
    Tri County Insurance Agency
    17460 Ih 35 N Ste 160, Schertz, TX 78154
    (210) 508-1992
  • 1.76 mi
    A-Max Auto Insurance
    506 Pat Booker Rd, Universal City, TX 78148
    (210) 566-7000
  • 1.76 mi
    TrustStar Insurance Services
    117 E Langley Blvd, Universal City, TX 78148
    (210) 824-0020
  • 1.76 mi
    Lora Sadler Agency
    418 Pat Booker Rd, Universal City, TX 78148
    (210) 658-2828
  • 1.76 mi
    John Delgado
    410 Pat Booker Rd, Universal City, TX 78148
    (210) 658-6291
  • 1.76 mi
    Paul Sanchez
    1017 Pat Booker Rd Ste C, Universal City, TX 78148
    (210) 659-0343
  • 1.76 mi
    Dewitt Insurance - Todd Moore
    433 Kitty Hawk Rd Ste 1-213, Universal City, TX 78148
    (210) 659-1222
  • 1.76 mi
    Aaron Zamora
    1831 Pat Booker Rd, Universal City, TX 78148
    (210) 945-4500
  • 1.76 mi
    Dan Liberatore
    2060 Universal City Blvd Ste B, Universal City, TX 78148
    (210) 945-8999
  • 1.76 mi
    BDI Insurance
    2060 Universal City Blvd Ste B, Universal City, TX 78148
    (210) 658-7411
  • 1.76 mi
    John Mooring
    1901 Pat Booker Rd, Universal City, TX 78148
    (210) 658-6264
  • 1.76 mi
    Texas Roadrunner Insurance Agency
    8522 Spartan Ter, Universal City, TX 78148
    (210) 391-4267
  • 1.76 mi
    GEICO - JR Williams
    3126 Pat Booker Rd Ste 106, Universal City, TX 78148
    (210) 658-6268
View all agents ↓

Learn More About Car Insurance in Schertz, 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.