Cheap Car Insurance in Texarkana, Texas ( With 2024 Rates)

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Lowest Premium

$339 / YEAR

Average Premium

$526 / YEAR

Highest Premium

$727 / YEAR

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

The average annual premium in Texarkana is around $526 and can go upto $727. 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.

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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Car Insurance Rates in Texarkana by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Texarkana. 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.

Zip	Avg. Premium
75501	$522
75503	$530
75599	$512

Insurance Agents in Texarkana, TX and Near by

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Kelley Insurance Agency

1212 Pine St, Texarkana, TX 75501

(903) 793-5596

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Maria Blackburn

1625 Texas Blvd, Texarkana, TX 75501

(903) 648-2005

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Sullivan & Associates Insurance Agency

1601 Texas Blvd, Texarkana, TX 75501

(903) 794-4526

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Cervini-Teer Insurance Agency

1001 Texas Blvd Ste 102, Texarkana, TX 75501

(903) 792-3781

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0 mi

F W Offenhauser & Company

518 Pine St, Texarkana, TX 75501

(903) 793-5511

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Farmers Insurance Group

5024 W 7th St, Texarkana, TX 75501

(903) 223-6023

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Gary Murray

933 Westlawn Dr, Texarkana, TX 75501

(903) 838-0564

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Richardson No Bull Insurance Agency

590 N Kings Hwy, Texarkana, TX 75501

(903) 831-5353

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SIG - A Fischer Insurance Agency

885 Kings Way, Texarkana, TX 75501

(903) 223-1900

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Jeffrey Kesler

3415 New Boston Rd, Texarkana, TX 75501

(903) 831-3866

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Kristy Smith

418 Walton Dr, Texarkana, TX 75501

(903) 223-3276

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9.66 mi

Advantage 1 Auto Insurance

4007 N Stateline Ave, Texarkana, TX 75503

(903) 792-0202

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9.66 mi

Charles Caler

6500 Summerhill Rd, Texarkana, TX 75503

(903) 884-8951

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9.66 mi

David McGonagill

5499 Summerhill Rd, Texarkana, TX 75503

(903) 223-3737

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9.66 mi

Becky Lipham

5506 Cowhorn Creek Rd, Texarkana, TX 75503

(903) 223-7000

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9.66 mi

F W Offenhauser & Company

5602 Richmond Rd Ste 103, Texarkana, TX 75503

(903) 793-5511

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9.66 mi

Regions Insurance

4401 Corporate Dr, Texarkana, TX 75503

(800) 467-7617

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9.66 mi

Kelli Ashbrook

3410 Moores Ln, Texarkana, TX 75503

(903) 223-8100

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9.66 mi

Reid Insurance Agency

2813 N Stateline Ave, Texarkana, TX 75503

(903) 793-3668

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9.66 mi

Howard County Insurance Agency

3601 N State Line Ave, Texarkana, TX 75503

(430) 200-2734

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9.66 mi

Baggett/Hartwick Insurance Agency

2414 Texas Blvd, Texarkana, TX 75503

(903) 792-1711

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9.66 mi

LaTonja Reynolds

3218 Texas Blvd, Texarkana, TX 75503

(430) 200-0999

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9.66 mi

Kacie Lea Kirkland

4015 N Stateline Ave, Texarkana, TX 75503

(903) 306-0963

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9.66 mi

Young & Thornton Insurance & Financial Services

4122 Texas Blvd, Texarkana, TX 75503

(903) 223-1643

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9.66 mi

Greg Cockerell

4807 Texas Blvd, Texarkana, TX 75503

(903) 793-7502

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9.66 mi

Complete Coverage Insurance

4770 Texas Blvd, Texarkana, TX 75503

(903) 791-0413

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9.66 mi

Direct General Auto Insurance

4711 Texas Blvd, Texarkana, TX 75503

(903) 793-2560

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9.66 mi

Scott Sanders

4303 Texas Blvd Ste 3, Texarkana, TX 75503

(903) 792-2480

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9.66 mi

Key Insurance Group

4545 N Stateline Ave, Texarkana, TX 75503

(903) 792-0085

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9.66 mi

Farmers Insurance Group

5502 Cowhorn Creek Rd Ste A, Texarkana, TX 75503

(903) 223-6533

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9.66 mi

Texarkana Capital Insurance Agency

5502 Christus Dr, Texarkana, TX 75503

(903) 223-8560

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9.66 mi

Barry Insurance Agency

5131 Summerhill Rd, Texarkana, TX 75503

(903) 831-3493

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9.66 mi

Texas Farm Bureau Insurance

4413 Morris Ln, Texarkana, TX 75503

(903) 838-8707

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9.66 mi

A.I.C. Agency

1701 Richmond Rd, Texarkana, TX 75503

(903) 244-3603

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9.66 mi

Keith Walley Agency

4115 N Kings Hwy Ste 119, Texarkana, TX 75503

(903) 832-7254

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9.66 mi

Ark-La-Tex Insurance Agency

4203 Richmond Pl, Texarkana, TX 75503

(903) 791-1230

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9.66 mi

Paul Tye

4076 Summerhill Sq, Texarkana, TX 75503

(903) 794-4151

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9.66 mi

April Starnes

4526 Summerhill Rd, Texarkana, TX 75503

(903) 255-0545

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9.66 mi

Richardson Insurance

4536 Summerhill Rd, Texarkana, TX 75503

(903) 831-3706

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9.66 mi

Wayne Poe

4617 Summerhill Rd Ste A, Texarkana, TX 75503

(903) 794-4144

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9.66 mi

AA Independent Insurance Agency

4622 Summerhill Rd, Texarkana, TX 75503

(903) 793-3009

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9.66 mi

Red River Member Insurance Services

2222 Saint Michael Dr, Texarkana, TX 75503

(903) 798-5050

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9.66 mi

Michael Liles

3201 Richmond Rd, Texarkana, TX 75503

(903) 832-6561

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9.66 mi

Raney Elite Insurance Agency

4112 Mcknight Rd, Texarkana, TX 75503

(903) 794-0000

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9.66 mi

MetLife Auto & Home - Texarkana

4114 Mcknight Rd, Texarkana, TX 75503

(903) 832-7900

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9.66 mi

Goosehead Insurance - Katie Peek

4140 Mcknight Rd, Texarkana, TX 75503

(903) 792-0404

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9.66 mi

Brian Purtle

3301 Richmond Rd, Texarkana, TX 75503

(903) 832-5881

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9.66 mi

Morrow Insurance Group

3304 Richmond Rd, Texarkana, TX 75503

(430) 200-2744

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9.66 mi

Debbie Whitten

3306 Richmond Rd, Texarkana, TX 75503

(903) 832-5505

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View all agents ↓

Learn More About Car Insurance in Texarkana, 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.

Cheap Car Insurance in Texarkana, Texas (With 2024 Rates)