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.
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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Insurance Agents in Stafford, TX and Near by
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0 miAbbasi Insurance Group10701 Corporate Dr Ste 120, Stafford, TX 77477(281) 710-7811View |
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0 miJMS Insurance Agency10701 Corporate Dr Ste 103, Stafford, TX 77477(281) 494-1500View |
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0 miRick Crawford10701 Corporate Dr Ste 392, Stafford, TX 77477(281) 313-8777View |
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0 miJose Casanueva10707 Corporate Dr Ste 136, Stafford, TX 77477(713) 774-2004View |
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0 miReginald Wendell4915 S Main St Ste 203, Stafford, TX 77477(281) 240-6440View |
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0 miZoom Insurance12790 S Kirkwood Rd, Stafford, TX 77477(281) 295-5380View |
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0 miMerchant Insurance12603 Southwest Fwy, Stafford, TX 77477(281) 933-6000View |
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0 miMichael McKay12603 Southwest Fwy Ste 240, Stafford, TX 77477(281) 240-1166View |
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0 miShari Neubauer12603 Southwest Fwy Ste 630, Stafford, TX 77477(281) 242-9600View |
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0 miHatem Foteh12603 Southwest Fwy Ste 565, Stafford, TX 77477(281) 565-4800View |
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0 miLily Patell12603 Southwest Fwy Ste 100, Stafford, TX 77477(281) 752-8000View |
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0 miLoc Pham12603 Southwest Fwy Ste 685, Stafford, TX 77477(281) 265-4200View |
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0 miSteve Yang12705 S Kirkwood Rd Ste 213, Stafford, TX 77477(832) 999-4966View |
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0 miSafenet Insurance Agency4418 Bluebonnet Dr Ste 302, Stafford, TX 77477(281) 494-5187View |
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0 miBrandon Sisco4800 Sugar Grove Blvd Ste 143, Stafford, TX 77477(281) 240-6610View |
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0 miPaul Rizzotto4800 Sugar Grove Blvd Ste 535, Stafford, TX 77477(281) 240-3838View |
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0 miNadeem Damani4800 Sugar Grove Blvd Ste 545, Stafford, TX 77477(281) 565-6769View |
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0 miTWFG Insurance Services - Altaf Ariff11753 W Bellfort St Ste 102, Stafford, TX 77477(832) 617-7475View |
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0 miAmtex Insurance448 Fm 1092 Rd, Stafford, TX 77477(281) 499-0033View |
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0 miC & I Mezones Insurance Agency435 Fm 1092 Rd Ste F, Stafford, TX 77477(281) 403-9490View |
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0 miAffordable Insurance of Texas223 Murphy Rd, Stafford, TX 77477(281) 261-7774View |
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0 miTWFG Insurance Services - Chandapillai Mathews445 Fm 1092 Rd Ste 100d, Stafford, TX 77477(832) 342-9983View |
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0 miDavid Kachadourian11104 W Airport Blvd Ste 105, Stafford, TX 77477(281) 988-6701View |
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0 miKevin Trinh13004 Murphy Rd Ste 216, Stafford, TX 77477(281) 261-7676View |
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0 miFrederick Williams10200 W Airport Blvd, Stafford, TX 77477(281) 776-9595View |
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0 miBarnes & Associates2440 S Main St, Stafford, TX 77477(281) 208-3150View |
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0 miAbe Jacobs Insurance Agency2207 S Main St, Stafford, TX 77477(281) 261-8200View |
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2.33 miFarmers Insurance Group7838 Highway 90a, Sugar Land, TX 77478(281) 491-8989View |
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2.33 miNobility Insurance Group326 Brooks St, Sugar Land, TX 77478(281) 277-0007View |
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2.33 miJohn Daugherty426 Brooks St, Sugar Land, TX 77478(281) 240-4070View |
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2.33 miSyed Raza120 Eldridge Rd Ste A, Sugar Land, TX 77478(281) 565-8592View |
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2.33 miTodd Cook140 Eldridge Rd Ste F, Sugar Land, TX 77478(281) 208-4700View |
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2.33 miRonald Liu Insurance Agency136 Eldridge Rd, Sugar Land, TX 77478(281) 242-6661View |
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2.33 miPriscilla Mouton307 W Alkire Lake Dr, Sugar Land, TX 77478(713) 649-2442View |
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2.33 miJohn Bowers1650 Highway 6 Ste 450, Sugar Land, TX 77478(281) 242-4800View |
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2.33 miJeff Hermes1650 Highway 6 Ste 180, Sugar Land, TX 77478(281) 240-2800View |
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2.33 miJeremy Adams9722 Us 90a Suite 103, Sugar Land, TX 77478(281) 494-0533View |
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2.33 miAssurance One of Texas245 Commerce Green Blvd Ste 110, Sugar Land, TX 77478(281) 494-6400View |
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2.33 miJoshua Bush14905 Southwest Fwy Ste 209, Sugar Land, TX 77478(281) 207-5074View |
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2.33 miPremier South Insurance Services14905 Southwest Fwy Ste 201, Sugar Land, TX 77478(281) 207-5252View |
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2.33 miHoffman Insurance Group14905 Southwest Fwy Ste 200, Sugar Land, TX 77478(281) 491-6565View |
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2.33 miRyan Treesh14905 Southwest Fwy Ste 234, Sugar Land, TX 77478(281) 980-7711View |
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2.33 miGibraltar Insurance Services2323 Town Center Dr, Sugar Land, TX 77478(281) 980-5050View |
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2.33 miEbony Bowie14100 Southwest Fwy Ste 360, Sugar Land, TX 77478(281) 275-4145View |
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2.33 miInsurance Solutions of TX14140 Southwest Fwy, Sugar Land, TX 77478(281) 565-2222View |
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2.33 miThe Kimball Group54 Sugar Creek Center Blvd Ste 300, Sugar Land, TX 77478(281) 954-4625View |
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2.33 miSbrusch Insurance Agency54 Sugar Creek Center Blvd Ste 200, Sugar Land, TX 77478(832) 886-2924View |
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2.33 miTWFG Insurance Services - Marsha Crawford54 Sugar Creek Center Blvd Ste 300, Sugar Land, TX 77478(281) 389-2111View |
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2.33 miAndres F Alzate52 Sugar Creek Center Blvd Ste 175, Sugar Land, TX 77478(281) 809-7474View |
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2.33 miDarren Boone15203 Southwest Frwy, Sugar Land, TX 77478(281) 242-5666View |
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2.33 miKurtis Shaw101 Parklane Blvd Ste 103, Sugar Land, TX 77478(281) 980-0563View |
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2.33 miKelly Baca130 Industrial Blvd Ste 150, Sugar Land, TX 77478(713) 781-7600View |
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2.33 miFrimpong Insurance104 Industrial Blvd, Sugar Land, TX 77478(281) 265-0695View |
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2.33 miJoe McGee13134 Dairy Ashford Rd Ste 500, Sugar Land, TX 77478(281) 242-1266View |
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2.33 miTerry Slater1 Sugar Creek Center Blvd Ste 870, Sugar Land, TX 77478(281) 494-7753View |
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2.33 miTracy Walker15510 Lexington Blvd Ste P, Sugar Land, TX 77478(281) 265-0711View |
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2.33 miDagley Insurance & Financial Services15510 Lexington Blvd Ste A2, Sugar Land, TX 77478(281) 980-4600View |
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2.33 miJeffrey Tallas14015 Southwest Fwy Ste 5, Sugar Land, TX 77478(713) 271-2000View |
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2.33 miGoosehead Insurance - Jay Olson14015 Southwest Fwy Ste 3, Sugar Land, TX 77478(281) 402-8175View |
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2.33 miRichard Stegall13739 Southwest Fwy, Sugar Land, TX 77478(281) 491-1111View |
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2.33 miMomentum Insurance & Financial Services4905 SW Freeway Ste 223, Sugar Land, TX 77478(281) 207-5075View |
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2.33 miWilliam Caldwell12946 Dairy Ashford Rd Ste 245, Sugar Land, TX 77478(832) 900-7133View |
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2.33 miEdmoundson Lenard & Associates13313 Southwest Fwy Ste 255, Sugar Land, TX 77478(281) 242-3854View |
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2.33 miRonald Scharn13313 Southwest Fwy Ste 291, Sugar Land, TX 77478(281) 242-1114View |
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2.33 miRendon Insurance Group101 Southwestern Blvd Ste 224, Sugar Land, TX 77478(281) 498-9100View |
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2.33 miKelsey Wakefield101 Southwestern Blvd Ste 135, Sugar Land, TX 77478(281) 242-3222View |
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2.33 miMark Dalton Insurance Agency101 Southwestern Blvd Ste 106, Sugar Land, TX 77478(281) 242-2333View |
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2.33 miTexans Insurance & Financial Group101 Southwestern Blvd Ste 230, Sugar Land, TX 77478(281) 277-7800View |
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2.33 miDeShazo Insurance Agency13401 South West Frwy Ste 210, Sugar Land, TX 77478(281) 565-7830View |
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2.33 miAutoInsuranceOnlineQuote.com12808 W Airport Blvd, Sugar Land, TX 77478(888) 414-6633View |
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2.33 miRuzicka Insurance Services Inc12808 W Airport Blvd Ste 327, Sugar Land, TX 77478(281) 565-7550View |
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2.33 miWes M. Arnold12808 W Airport Blvd Ste 360, Sugar Land, TX 77478(281) 491-0274View |
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2.33 miFirst Colony Insurance13313 Southwest Fwy Ste 288, Sugar Land, TX 77478(281) 242-6789View |
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2.33 miMichelle Navarro12808 W Airport Blvd Ste 341, Sugar Land, TX 77478(832) 232-4368View |
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2.33 miJim Marsh3425 Highway 6 Ste 102, Sugar Land, TX 77478(281) 980-1161View |
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2.33 miMadeline Nguyen3414 Highway 6, Sugar Land, TX 77478(281) 313-9998View |
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2.33 miOria Dafe11420 Dairy Ashford Rd Ste 102, Sugar Land, TX 77478(281) 201-5517View |
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2.33 miDiane Schomburg1716 Dulles Ave Ste 102, Sugar Land, TX 77478(281) 265-6100View |
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2.33 miGoosehead Insurance - Scott Wong4500 Highway 6 Ste A, Sugar Land, TX 77478(281) 313-8999View |
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2.33 miDebbie A. Potter4645 Highway 6 Ste E, Sugar Land, TX 77478(281) 494-0494View |
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2.33 miAllcommunity Insurance Group11806 Wilcrest Dr Ste 230, Houston, TX 77031(281) 741-8760View |
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2.33 miPeter Mugo11807-a Wilcrest Dr, Houston, TX 77031(281) 498-2553View |
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2.33 miJulius Porter11628 Southwest Fwy, Houston, TX 77031(281) 495-0404View |
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2.33 miAi United Insurance11503 Southwest Fwy, Houston, TX 77031(281) 933-6333View |
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2.33 miMichael Khansari10550 W Bellfort St Ste 120, Houston, TX 77031(281) 530-9730View |
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2.33 miAAAA Insurance8640 S Braeswood Blvd, Houston, TX 77031(713) 773-2222View |
Learn More About Car Insurance in Stafford, 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.