Cheap Car Insurance in Wichita Falls, Texas (With 2021 Rates)

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Lowest Premium

$296 / YEAR

Average Premium

$470 / YEAR

Highest Premium

$729 / YEAR

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

The average annual premium in Wichita Falls is around $470 and can go upto $729. 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 Wichita Falls by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Wichita Falls. 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
76301$466
76302$454
76305$483
76306$463
76308$472
76309$468
76310$474

Insurance Agents in Wichita Falls, TX and Near by

  • 0 mi
    Jerri Thomas
    701 Scott Ave, Wichita Falls, TX 76301
    (940) 687-5365
  • 0 mi
    Boley-Featherston Insurance
    701 Lamar St, Wichita Falls, TX 76301
    (940) 723-7111
  • 0 mi
    Rebecca Raeke
    823 Travis St, Wichita Falls, TX 76301
    (940) 687-1625
  • 0 mi
    Whitmire-Integra Insurance Services
    503 8th St, Wichita Falls, TX 76301
    (940) 723-1491
  • 0 mi
    Barnard Insurance Agency
    1100 8th St, Wichita Falls, TX 76301
    (940) 723-0977
  • 0 mi
    Higginbotham - Allred-Thompson-Mason-Daugherty
    1300 10th St, Wichita Falls, TX 76301
    (940) 723-0771
  • 0 mi
    William Waddle
    1700 9th St, Wichita Falls, TX 76301
    (940) 322-2860
  • 0 mi
    Union Square Insurance Agency
    1401 Holliday St, Wichita Falls, TX 76301
    (866) 397-7995
  • 0 mi
    Morris Stone
    2106 9th St, Wichita Falls, TX 76301
    (940) 322-2241
  • 0 mi
    Ray Esparza
    2405 9th St, Wichita Falls, TX 76301
    (940) 766-0472
  • 0 mi
    Tracey Denson
    2207 Brook Ave, Wichita Falls, TX 76301
    (940) 689-0044
  • 0 mi
    Donald Cowman
    2014 Kell Blvd Ste A, Wichita Falls, TX 76301
    (940) 691-2768
  • 0 mi
    Billy Hudson
    2511 Brook Ave, Wichita Falls, TX 76301
    (940) 264-6464
  • 2.91 mi
    Bryan Belgard
    1505 Southwest Pkwy Ste 104, Wichita Falls, TX 76302
    (940) 264-1234
  • 2.91 mi
    All American Insurance Services of Texas
    1501 Midwestern Pkwy Ste 111, Wichita Falls, TX 76302
    (940) 689-9010
  • 2.91 mi
    Brian Anderle
    1501 Midwestern Pkwy Ste 104, Wichita Falls, TX 76302
    (940) 720-0200
  • 3.73 mi
    Mary Aranda
    1315 Kemp Blvd, Wichita Falls, TX 76309
    (940) 767-4663
  • 3.73 mi
    Mark Inman Insurance Agency
    1401 Kemp Blvd, Wichita Falls, TX 76309
    (940) 322-2800
  • 3.73 mi
    Kenneth French
    1607 Kemp Blvd, Wichita Falls, TX 76309
    (940) 766-2310
  • 3.73 mi
    An American Insurance Agency
    1712 Kemp Blvd, Wichita Falls, TX 76309
    (940) 322-3122
  • 3.73 mi
    Pond Insurance Agency
    2101 Kemp Blvd, Wichita Falls, TX 76309
    (940) 723-4567
  • 3.73 mi
    Fred Haley Insurance
    2501 Kemp Blvd, Wichita Falls, TX 76309
    (940) 767-8986
  • 3.73 mi
    Serge Sonsini Insurance Agency
    2501 Kemp Blvd, Wichita Falls, TX 76309
    (940) 692-8341
  • 3.73 mi
    Tim Short
    2608 Kemp Blvd Ste B, Wichita Falls, TX 76309
    (940) 766-0159
  • 3.73 mi
    John Lee Stoiloff
    3704 Kell Blvd, Wichita Falls, TX 76309
    (940) 687-2193
  • 3.73 mi
    Amaryllis Mullins
    4210 Kell Blvd Ste 106, Wichita Falls, TX 76309
    (940) 692-4000
  • 3.73 mi
    AC Insurance
    2720 Old Iowa Park Rd, Wichita Falls, TX 76306
    (940) 723-7554
  • 5.06 mi
    Dora Insurance Agency
    602 Royal Rd, Wichita Falls, TX 76308
    (940) 687-3672
  • 5.06 mi
    Strategic Insurance Services
    4822 Kemp Blvd Ste 700, Wichita Falls, TX 76308
    (940) 322-8400
  • 5.06 mi
    Darrel Walker
    2500 Shepherds Gln, Wichita Falls, TX 76308
    (940) 691-5050
  • 5.06 mi
    Julee Loera
    4704 K Mart Dr, Wichita Falls, TX 76308
    (940) 696-2880
  • 5.06 mi
    Hallmark Group Insurance Agency
    2909 Lydia Dr, Wichita Falls, TX 76308
    (940) 692-2223
  • 5.06 mi
    Cheryl Botkin
    2925 Southwest Pkwy Ste A, Wichita Falls, TX 76308
    (940) 689-0055
  • 5.06 mi
    TWFG Insurance Services - Thai Hoang
    3100 Kemp Blvd Ste A, Wichita Falls, TX 76308
    (940) 691-0042
  • 5.06 mi
    Autopartners Insurance Agency
    3401 Kemp Blvd, Wichita Falls, TX 76308
    (940) 322-0500
  • 5.06 mi
    Alan Donaldson
    2301 Midwestern Pkwy Ste 114, Wichita Falls, TX 76308
    (940) 264-5602
  • 5.06 mi
    Tyler Wetzel
    2700 Midwestern Pkwy Ste A, Wichita Falls, TX 76308
    (940) 386-9578
  • 5.06 mi
    Louis Vann
    3907 Kell Blvd Ste A, Wichita Falls, TX 76308
    (940) 692-3821
  • 5.06 mi
    Acceptance Auto Insurance
    4022 Kemp Blvd, Wichita Falls, TX 76308
    (940) 689-8287
  • 5.06 mi
    Pulley Insurance
    3415 Mcniel Ave Ste 104, Wichita Falls, TX 76308
    (940) 692-3999
  • 5.06 mi
    Holub Insurance Agency
    4001 Featherston Ave, Wichita Falls, TX 76308
    (940) 691-1053
  • 5.06 mi
    Doug Chaney
    3915 Call Field Rd, Wichita Falls, TX 76308
    (940) 692-7691
  • 5.06 mi
    Mike Morris
    4004 Call Field Road, Wichita Falls, TX 76308
    (940) 692-5435
  • 5.06 mi
    Affordable Insurance
    4204 Idlewood Dr, Wichita Falls, TX 76308
    (940) 704-4042
  • 5.06 mi
    Gene Linton
    4410 Kemp Blvd Ste C, Wichita Falls, TX 76308
    (940) 691-0611
  • 5.06 mi
    Eric Simpson
    4504 Kemp Blvd, Wichita Falls, TX 76308
    (940) 692-0816
  • 5.06 mi
    Tom Richeson
    4304 Fairway Blvd, Wichita Falls, TX 76308
    (940) 691-3169
  • 5.06 mi
    Morris Insurance Agency
    4511 Southwest Pkwy, Wichita Falls, TX 76308
    (940) 696-1199
  • 5.06 mi
    Stephen Catlin
    4513 Southwest Pkwy, Wichita Falls, TX 76308
    (940) 696-3276
  • 7.6 mi
    Donna Adams
    4601 Kell Blvd, Wichita Falls, TX 76310
    (940) 696-8711
  • 7.6 mi
    Mindy Anderle
    4601 Kell Blvd, Wichita Falls, TX 76310
    (940) 691-6262
  • 7.6 mi
    Kelly Ho-Montoya Insurance Group
    4705 Fairway Blvd, Wichita Falls, TX 76310
    (940) 264-2644
View all agents ↓

Learn More About Car Insurance in Wichita Falls, 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.