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 Abilene, TX and Near by
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0 miKlose Insurance Agency5860 Summerhill Rd, Abilene, TX 79601(325) 677-8648View |
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0 miJoe Walker1750 E Overland Trl Ste 102, Abilene, TX 79601(325) 677-1000View |
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0 miJb Cloud1726 Campus Ct, Abilene, TX 79601(325) 704-5021View |
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0 miBlake Williams650 N Judge Ely Blvd, Abilene, TX 79601(325) 673-7145View |
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0 miPerry Hunter Hall1548 N 1st St, Abilene, TX 79601(325) 673-6414View |
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0 miWeeks-Hunter Insurance Agency1041 Hickory St, Abilene, TX 79601(325) 676-1608View |
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12.2 miPhilip King Insurance1323 S Danville Dr, Abilene, TX 79605(325) 673-0192View |
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12.2 miDean Baird Insurance1766 S Clack St, Abilene, TX 79605(325) 692-4732View |
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12.2 miMoutray & Associates Insurance Agency4433 S 3rd St, Abilene, TX 79605(325) 698-4446View |
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12.2 miRondall Sanders4607 S 14th St, Abilene, TX 79605(325) 675-5989View |
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12.2 miJames Peters2481 S Danville Dr, Abilene, TX 79605(325) 704-4288View |
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12.2 miDonna Dougherty4015 Buffalo Gap Rd, Abilene, TX 79605(325) 698-7293View |
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12.2 miDarol Bell Agency4090 S Danville Dr Ste D, Abilene, TX 79605(855) 278-7020View |
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12.2 miJoey Carlin2239b S 1st St, Abilene, TX 79605(325) 673-4591View |
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12.2 miSam J Corn2302 S 14th St, Abilene, TX 79605(325) 698-3146View |
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12.2 miLidia Hernandez158 S Willis St, Abilene, TX 79605(325) 670-0585View |
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12.2 miAmco & Remco Insurance Agencies3301 S 1st St, Abilene, TX 79605(325) 400-8888View |
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12.2 miExpress Auto Insurance1434 Barrow St, Abilene, TX 79605(325) 795-2890View |
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12.2 miBryan Tilbrook3150 S 14th St, Abilene, TX 79605(325) 698-8215View |
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12.2 miMichael Wylie3300 S 14th St Ste 336, Abilene, TX 79605(325) 704-4316View |
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12.2 miFirst Command Financial Services - Owen Miller3300 S 14th St, Abilene, TX 79605(325) 698-9714View |
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12.2 miStubblefield Insurance and Financial Services3300 S 14th St Ste 202, Abilene, TX 79605(325) 695-2772View |
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12.2 miWicker-Parker Agency3909 S 7th St Ste D, Abilene, TX 79605(325) 437-0677View |
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12.2 miJames Baird2534 Buffalo Gap Rd, Abilene, TX 79605(325) 793-9358View |
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12.2 miInner Circle Advisors3409 S 14th St Ste 220, Abilene, TX 79605(325) 893-2772View |
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12.2 miJohn McLeod2701 Buffalo Gap Rd, Abilene, TX 79605(325) 692-2552View |
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12.2 miDebra Freeman2401 S Willis St Ste 104, Abilene, TX 79605(325) 677-5200View |
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12.2 miVance Goddard3132 S 27th St, Abilene, TX 79605(325) 695-8191View |
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12.2 miJay Hansen3127 S Danville Dr, Abilene, TX 79605(325) 695-5063View |
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16.59 miTexas Benefit Consultants2265 Industrial Blvd, Abilene, TX 79602(325) 387-8373View |
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16.59 miKent Wooliscroft2150 Industrial Blvd, Abilene, TX 79602(325) 692-7570View |
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16.59 miTexas Farm Bureau Insurance3402 S Treadaway Blvd, Abilene, TX 79602(325) 692-1213View |
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16.59 miCBS Insurance3005 S Treadaway Blvd, Abilene, TX 79602(325) 695-0222View |
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16.59 miShelle Sirmon Stautzenberger1957 Chimneywood Ct, Abilene, TX 79602(325) 676-0722View |
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16.59 miChris Meeks1326 S 14th St Ste B, Abilene, TX 79602(325) 437-4388View |
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17.87 miBarber Insurance Agency5533 Us Highway 277 S, Abilene, TX 79606(325) 691-5505View |
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17.87 miGlynn Walker6350 Buffalo Gap Rd, Abilene, TX 79606(325) 698-3832View |
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17.87 miTom Massey Agency3262 Chimney Rock Rd Ste C, Abilene, TX 79606(325) 691-1388View |
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17.87 miDavid Ballard4901 Buffalo Gap Rd, Abilene, TX 79606(325) 698-9000View |
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17.87 miRicardo Gutierrez4601 Carrie Ann Ln, Abilene, TX 79606(325) 721-7674View |
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17.87 miSanders Insurance Agency3350 Rebecca Ln, Abilene, TX 79606(325) 676-8597View |
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17.87 miCBS Insurance4400 Buffalo Gap Rd Ste 1200, Abilene, TX 79606(325) 695-0020View |
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17.87 miCory Lee4150 Southwest Dr Ste 220, Abilene, TX 79606(325) 268-4007View |
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17.87 miTravis Scherwitz4150 Southwest Dr Ste 130, Abilene, TX 79606(325) 695-0695View |
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23.57 miAcceptance Auto Insurance4201 N 1st St Ste A, Abilene, TX 79603(325) 672-2300View |
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23.57 miNeomia Banks4145 N 1st St, Abilene, TX 79603(325) 672-6491View |
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23.57 miRhodes Insurance3814 N 1st St, Abilene, TX 79603(325) 677-6303View |
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23.57 miRisha Sanders3228 N 10th St, Abilene, TX 79603(325) 673-4229View |
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23.57 miCastereno Investments911 N Mockingbird Ln, Abilene, TX 79603(325) 232-8875View |
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23.57 miLarry Chapman3524 N 6th St, Abilene, TX 79603(325) 677-7571View |
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23.57 miSamuel Garcia401 N Willis St, Abilene, TX 79603(325) 677-1900View |
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23.57 miKennedy Insurance Mart1718 N 1st St, Abilene, TX 79603(325) 673-6604View |
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23.57 miAmerican Insurance Agency3244 N 1st St, Abilene, TX 79603(325) 676-1306View |
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23.57 miBryan Shilcutt3301 N 3rd St Ste 120, Abilene, TX 79603(325) 677-2576View |
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23.57 miTWFG Insurance Services - Wesley Brooks3301 N 3rd St Ste 142, Abilene, TX 79603(325) 704-5177View |
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23.57 miThe Surety Bonding Agency3303 N 3rd St Ste G, Abilene, TX 79603(325) 676-2920View |
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23.57 miAbilene Insurance Agency3385 N 3rd St Ste 15, Abilene, TX 79603(325) 676-2122View |
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23.57 miPerkins Insurance3402 N 1st St Ste 103, Abilene, TX 79603(325) 673-9300View |
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23.57 miFreeway Insurance3409 N 1st St, Abilene, TX 79603(325) 216-8187View |
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23.57 miA-Max Auto Insurance3419 N 1st St, Abilene, TX 79603(325) 675-5000View |
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23.57 miBenjamin Young3444 N 1st St Ste 101, Abilene, TX 79603(325) 437-2924View |
Learn More About Car Insurance in Abilene, 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.