Cheap Car Insurance in Sherman, Texas (With 2022 Rates)

Save up to 50% on your Car Insurance
See how affordable remarkable customer service can be.
100% secure. We respect your privacy.
Home » Car insurance » Texas » Cheap Car Insurance Sherman

Lowest Premium

$312 / YEAR

Average Premium

$485 / YEAR

Highest Premium

$706 / YEAR

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

The average annual premium in Sherman is around $485 and can go upto $706. 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.
Jump to Topic:

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 a free quote from the best of 200+ companies in 90 seconds.

Find affordable car insurance in your city

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 Sherman by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Sherman. 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 Sherman, TX and Near by

  • 0 mi
    Garland Insurance & Financial
    123 E Lamar St, Sherman, TX 75090
    (903) 893-1633
  • 0 mi
    Marty Allison
    320 N Travis St Ste 200, Sherman, TX 75090
    (903) 893-3166
  • 0 mi
    TWFG Insurance Services - Keith Tilghman
    315 N Travis St Ste C7, Sherman, TX 75090
    (903) 464-0007
  • 0 mi
    McCullough & Pierson Insurance
    521 N Travis St, Sherman, TX 75090
    (903) 868-1200
  • 0 mi
    Mike Barnes
    423 N Rusk St, Sherman, TX 75090
    (903) 892-8104
  • 0 mi
    Paisano Insurance
    611 E Lamar St, Sherman, TX 75090
    (903) 813-1235
  • 0 mi
    Keith Burgos
    1001 N Travis St, Sherman, TX 75090
    (903) 893-9420
  • 0 mi
    Diana Salas
    1401 S Sam Rayburn Fwy Ste 300, Sherman, TX 75090
    (903) 771-2323
  • 0 mi
    Kelly Johnson
    320 E Peyton St Ste 300, Sherman, TX 75090
    (903) 870-9020
  • 0 mi
    PS Insurance
    1800 Teague Dr Ste 401, Sherman, TX 75090
    (903) 892-4036
  • 0 mi
    Bayless-Hall Insurance
    2007 Texoma Pkwy Ste 126, Sherman, TX 75090
    (903) 868-9696
  • 0 mi
    American Insurance
    2028 Texoma Pkwy, Sherman, TX 75090
    (903) 209-6267
  • 0 mi
    Danny Ditmanson
    2114 Texoma Pkwy Ste 700, Sherman, TX 75090
    (903) 893-8400
  • 0 mi
    Ed Meacham
    2624 N Loy Lake Rd Ste B, Sherman, TX 75090
    (903) 892-3923
  • 0 mi
    Stacy Rake
    808 Pecan Grove Rd E, Sherman, TX 75090
    (903) 891-4646
  • 0 mi
    Accel Insurance Agency
    4520 Texoma Pkwy Ste M, Sherman, TX 75090
    (903) 892-1600
  • 0 mi
    TWFG Insurance Services - Mark Brown
    2601 Hilltop Dr Ste 400, Sherman, TX 75090
    (903) 328-6650
  • 0 mi
    David Vogel
    5621 Texoma Pkwy, Sherman, TX 75090
    (903) 892-0380
  • 9.4 mi
    Ryan Zeestraten
    3415 N Heritage Pkwy, Sherman, TX 75092
    (903) 265-9597
  • 9.4 mi
    Texas Farm Bureau Insurance
    200 S Fm 1417, Sherman, TX 75092
    (903) 893-4393
  • 9.4 mi
    Nat McClure
    2201 Heritage Pkwy, Sherman, TX 75092
    (903) 893-9621
  • 9.4 mi
    Terry Jones Insurance Agency
    1711 Heritage Pkwy Ste 200, Sherman, TX 75092
    (903) 893-7200
  • 9.4 mi
    Hejny Insurance Agency
    229 Sunset Blvd, Sherman, TX 75092
    (903) 892-8068
  • 9.4 mi
    Terry Everett
    1425 W Houston St, Sherman, TX 75092
    (903) 868-2999
  • 9.4 mi
    Ibrahim Sangare
    1800 N Travis St Ste K, Sherman, TX 75092
    (903) 771-4153
  • 9.4 mi
    Blake Ammerman
    2008 N Travis St, Sherman, TX 75092
    (903) 893-9429
  • 9.4 mi
    Brian Kimberlin
    121 W Lamberth Rd Ste B, Sherman, TX 75092
    (903) 771-4900
View all agents ↓

Learn More About Car Insurance in Sherman, 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.


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.