Cheap Car Insurance in The Colony, Texas ( With 2024 Rates)

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Lowest Premium

$397 / YEAR

Average Premium

$549 / YEAR

Highest Premium

$707 / YEAR

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

The average annual premium in The Colony is around $549 and can go upto $707. 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 The Colony by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in The Colony. 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
75056	$549

Insurance Agents in The Colony, TX and Near by

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Randy Truelove

5201 S Colony Blvd Ste 190, The Colony, TX 75056

(972) 625-0438

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United One Insurance

5201 S Colony Blvd Ste 745b, The Colony, TX 75056

(972) 525-8400

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Chris Hatfield

6700 Main St Ste 132, The Colony, TX 75056

(972) 624-0239

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Crocker Insurance Associates

5910 Paige Rd Ste B, The Colony, TX 75056

(972) 624-1995

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Premier Group Insurance - Shan Treanor

5200 Paige Rd Ste 402, The Colony, TX 75056

(972) 987-6464

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Lorena Guerra

5200 Paige Rd Ste 404, The Colony, TX 75056

(469) 835-0950

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D. Zane Shepherd

6600 Paige Rd, The Colony, TX 75056

(972) 432-4080

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Gisela Taylor

4750 S Colony Blvd Ste 108, The Colony, TX 75056

(972) 544-6245

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Kliff Rodgers

6805 Main St Ste 120, The Colony, TX 75056

(469) 535-3190

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Lewis Jue

7204 Main St Ste 100, The Colony, TX 75056

(972) 370-3276

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Mig Financial Group, Inc.

4300 Main St Ste 300, The Colony, TX 75056

(972) 370-2707

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Ryan Klibert

4181 Main St Ste 800, The Colony, TX 75056

(469) 731-5333

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Marc Matney

4181 Main St Ste 800, The Colony, TX 75056

(972) 292-3961

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Jeff Cain

4181 Main St Ste 800, The Colony, TX 75056

(469) 384-5333

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Latisha Panjwani

4819 Highway 121 Ste 10d, The Colony, TX 75056

(214) 618-1009

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Robyn Bowers

4679 State Highway 121 Ste 105, The Colony, TX 75056

(214) 494-6003

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Cammie Winover

3700 Standridge Dr Ste 100, The Colony, TX 75056

(972) 625-6099

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A-Tex Insurance

3700 Standridge Dr Ste 212, The Colony, TX 75056

(888) 323-2201

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Allen Insurance Group

3700 Standridge Dr Ste 100, The Colony, TX 75056

(972) 695-4444

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Rick Hittle

6910 Windhaven Pkwy Ste 119, The Colony, TX 75056

(972) 820-7575

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Baja Auto Insurance

383 Huffines Blvd, The Colony, TX 75056

(469) 314-3024

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Grider Insurance Agency

2560 King Arthur Blvd, The Colony, TX 75056

(972) 899-9292

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Michael Brock

2560 King Arthur Blvd Ste 114, The Colony, TX 75056

(972) 620-3026

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Learn More About Car Insurance in The Colony, 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 The Colony, Texas (With 2024 Rates)