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Home » Car insurance » Texas » Cheap Car Insurance Conroe

Cheap Car Insurance in Conroe

Lowest Premium

$372 / YEAR

Average Premium

$559 / YEAR

Highest Premium

$832 / YEAR

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

The average annual premium in Conroe is around $559 and can go upto $832. 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

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Conroe by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Conroe. 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
77301$556
77302$555
77303$560
77304$544
77305$580
77384$552

Insurance Agents in Conroe, TX and Near by

Agents by ZIP code:
  • 0 mi
    Robert Foree
    903 N Loop 336 W Ste G, Conroe, TX 77301
    (936) 756-0356
  • 0 mi
    Texas Farm Bureau Insurance
    405 N Loop 336 W, Conroe, TX 77301
    (936) 756-4461
  • 0 mi
    Freeway Insurance
    2017 N Frazier, Conroe, TX 77301
    (936) 225-5997
  • 0 mi
    Bob Hataway
    1712 N Frazier St Ste 201, Conroe, TX 77301
    (936) 756-4458
  • 0 mi
    Jim Daugherty
    1616 N Frazier St Ste D, Conroe, TX 77301
    (936) 539-5391
  • 0 mi
    Autopartners Insurance Agency
    1647 N Frazier St Ste 101, Conroe, TX 77301
    (936) 494-2300
  • 0 mi
    Beathard Insurance Agency
    412 N 1st St, Conroe, TX 77301
    (936) 756-0960
  • 0 mi
    Joel Gonzalez
    812 W Dallas St Ste 90, Conroe, TX 77301
    (936) 539-1122
  • 0 mi
    Cozart Insurance
    932 W Dallas St Ste D, Conroe, TX 77301
    (936) 270-7187
  • 0 mi
    Lupe Martinez
    1112 W Dallas St, Conroe, TX 77301
    (936) 756-1166
  • 0 mi
    Glenn Insurance Agency
    800 Houston St, Conroe, TX 77301
    (936) 788-5800
  • 0 mi
    TWFG Insurance Services - Amber Pillsbury
    900 W Davis St Ste 210, Conroe, TX 77301
    (281) 705-6496
  • 0 mi
    Lucila Karp
    900 W Davis St Ste 206, Conroe, TX 77301
    (936) 441-4988
  • 0 mi
    Soules Insurance Agency
    701 N San Jacinto St, Conroe, TX 77301
    (936) 756-0671
  • 0 mi
    Shbaita, Inc
    1500 S Frazier St Ste B, Conroe, TX 77301
    (936) 756-9786
  • 0 mi
    Claudia Rendon
    1300 S Frazier St Ste 216, Conroe, TX 77301
    (936) 206-7990
  • 0 mi
    Luis Hernandez
    701 N Loop 336 E, Conroe, TX 77301
    (832) 813-8337
  • 0 mi
    Southern Insurance Advisors
    1300 S Frazier St Ste 105, Conroe, TX 77301
    (832) 777-5562
  • 0 mi
    ETA Enterprises
    729 E Davis St, Conroe, TX 77301
    (936) 539-9263
  • 0 mi
    Gray's Insurance Agency
    310 S 1st St, Conroe, TX 77301
    (936) 756-6694
  • 0 mi
    Robert Powell
    114 W Lewis St, Conroe, TX 77301
    (936) 756-8975
  • 0 mi
    Kenneth Nickolas
    126 W Davis St, Conroe, TX 77301
    (936) 788-6200
  • 0 mi
    Bill Cochran Jr.
    128 W Davis St, Conroe, TX 77301
    (936) 441-9565
  • 0 mi
    TWFG Insurance Services - Tim Martin
    704 N Thompson St #165, Conroe, TX 77301
    (281) 466-1373
  • 0 mi
    TWFG Insurance Services - Mark Glaug
    236 N Main St Ste C, Conroe, TX 77301
    (817) 756-9469
  • 0 mi
    TWFG Insurance Services - Kent Hineman
    236a Simonton St, Conroe, TX 77301
    (936) 524-6919
  • 0 mi
    Tyler Insurance
    414 W Phillips St Ste 104, Conroe, TX 77301
    (936) 441-5520
  • 0 mi
    Awbrey Insurance
    612 S Frazier St, Conroe, TX 77301
    (936) 441-8661
  • 0 mi
    Joe Yardas Insurance Agency
    100 Interstate 45 N Ste 200 # 200, Conroe, TX 77301
    (936) 756-1020
  • 0 mi
    MetLife Auto & Home - Joel Bowley
    100 Interstate 45 N Ste 122, Conroe, TX 77301
    (936) 828-3918
  • 4.99 mi
    Heather Wacasey
    1505 League Line Rd, Conroe, TX 77304
    (936) 228-7580
  • 4.99 mi
    Matt Springer
    1140 N Fm 3083 Rd W Ste 400, Conroe, TX 77304
    (936) 441-3276
  • 4.99 mi
    Texas Essential Insurance Agency
    2501 Interstate 45 N Ste A, Conroe, TX 77304
    (936) 539-5199
  • 4.99 mi
    Adam Miller
    2200 N Fm 3083 Rd W, Conroe, TX 77304
    (936) 525-3281
  • 4.99 mi
    CMI of Texas Insurance Group
    2040 N Loop 336 W Ste 318, Conroe, TX 77304
    (936) 703-5096
  • 4.99 mi
    TWFG Insurance Services - Cory Cannon
    2040 N Loop 336 W Ste 210, Conroe, TX 77304
    (936) 703-5049
  • 4.99 mi
    Karen Ehlers Insurance Agency
    2040 N Loop 336 W Ste 122, Conroe, TX 77304
    (936) 828-2503
  • 4.99 mi
    Christopher Lawrence Batten
    2251 N Loop 336 W Ste D, Conroe, TX 77304
    (936) 321-5555
  • 4.99 mi
    Goosehead Insurance - Kristee Boscarino
    2251 N Loop 336 W Ste C, Conroe, TX 77304
    (936) 689-4728
  • 4.99 mi
    Michael Porter
    3708 W Davis St Ste A, Conroe, TX 77304
    (713) 299-0272
  • 4.99 mi
    Steven Salar
    3708 W Davis St Ste A, Conroe, TX 77304
    (936) 468-4771
  • 4.99 mi
    Mack Barnhill
    3706 W Davis St, Conroe, TX 77304
    (936) 756-2240
  • 4.99 mi
    Premier Group Insurance - Wade Edwards
    3706 W Davis St Ste C, Conroe, TX 77304
    (936) 718-6785
  • 4.99 mi
    Lee Insurance Group
    4996 W Davis St, Conroe, TX 77304
    (936) 788-5555
  • 4.99 mi
    Tracy Irvine
    4900 W Davis St Ste F, Conroe, TX 77304
    (936) 760-3370
  • 4.99 mi
    David H Funderburg
    2 Barkwood Cir, Conroe, TX 77304
    (936) 441-8072
  • 4.99 mi
    Beathard Insurance Agency
    3500 W Davis St Ste 240, Conroe, TX 77304
    (936) 756-0988
  • 4.99 mi
    David Kerr
    3401 W Davis St Ste G, Conroe, TX 77304
    (936) 756-7011
  • 4.99 mi
    TWFG Insurance Services - Charles D Moore Insurance Agency
    3307 W Davis St, Conroe, TX 77304
    (936) 539-0345
  • 4.99 mi
    BSI Insurance Services
    109 Wroxton Dr, Conroe, TX 77304
    (888) 447-1004
  • 4.99 mi
    King Insurance Solutions
    12603 Highway 105 W Ste 201, Conroe, TX 77304
    (936) 242-6877
  • 4.99 mi
    TWFG Insurance Services - Caleb Vinson
    12603 Highway 105 W Ste 301, Conroe, TX 77304
    (936) 588-7555
  • 4.99 mi
    Grayless-Cannon Insurance Group
    2508 W Davis St Ste 104, Conroe, TX 77304
    (936) 760-2220
  • 4.99 mi
    Irene Guajardo
    2508 W Davis St Ste 101, Conroe, TX 77304
    (936) 756-2800
  • 4.99 mi
    TWFG Insurance Services - Sean Meyers
    303 Longmire Rd Unit 701, Conroe, TX 77304
    (936) 760-5963
  • 4.99 mi
    Southern Star Insurance Agency
    122 Commercial Cir Ste 200, Conroe, TX 77304
    (936) 756-2222
  • 4.99 mi
    Lane Galloway
    206f S Loop 336 W, Conroe, TX 77304
    (936) 539-1865
  • 4.99 mi
    George Demontrond III
    888 I 45 S, Conroe, TX 77304
    (936) 442-7380
  • 4.99 mi
    Dan Ferrante
    333 N Rivershire Dr Ste 200, Conroe, TX 77304
    (936) 756-4321
  • 4.99 mi
    Dale R Inman
    1418 N Loop 336 W, Conroe, TX 77304
    (936) 760-1104
  • 4.99 mi
    Courtney Weidner
    945 Sgt Ed Holcomb Blvd S, Conroe, TX 77304
    (936) 441-3517
  • 4.99 mi
    Justin Hicks
    13921 Highway 105 W Ste 157, Conroe, TX 77304
    (936) 756-7077
  • 4.99 mi
    Texas Insurance Services
    96 Beach Walk Blvd Ste 205, Conroe, TX 77304
    (936) 788-2144
  • 4.99 mi
    MainStreet Consulting Group
    14500 Highway 105 W, Conroe, TX 77304
    (936) 448-6744
  • 5.71 mi
    Jack Popham
    2407 N Frazier St, Conroe, TX 77303
    (936) 756-1531
  • 5.71 mi
    Southern Group Insurance Services
    2204 Sunpark Dr, Conroe, TX 77303
    (936) 441-8830
  • 6.21 mi
    Goosehead Insurance - Ashley Dolan
    150 Pine Forest Dr Ste 801b, Conroe, TX 77384
    (936) 224-4160
  • 6.21 mi
    Jared Dolan
    150 Pine Forest Dr Ste 801, Conroe, TX 77384
    (936) 321-0158
  • 6.21 mi
    Nicholas Poore
    150 Pine Forest Dr Ste 202, Conroe, TX 77384
    (832) 263-6673
  • 6.21 mi
    Stephen Bransburg
    9420 College Park Dr Ste 140, Conroe, TX 77384
    (936) 321-4270
  • 6.21 mi
    The Right Agency
    9420 College Park Dr Ste 140, Conroe, TX 77384
    (936) 321-4270
  • 6.21 mi
    Cody McCown
    3600 Fm 1488 Rd Ste 150, Conroe, TX 77384
    (281) 826-9003
  • 6.21 mi
    James Pearson
    469 Fm 1488 Rd Ste 102, Conroe, TX 77384
    (936) 321-4900
  • 7.42 mi
    Excel Insurance Agency
    15917 Fm 3083 Rd Ste 4, Conroe, TX 77302
    (936) 446-2600
  • 7.42 mi
    Gary Brisco
    724 Vicksburg Ct, Conroe, TX 77302
    (936) 321-3124
  • 7.42 mi
    Jeffrey Peterson
    11133 Interstate 45 S Ste 110, Conroe, TX 77302
    (281) 319-6222
  • 7.5 mi
    TWFG Insurance Services - Todd Golden
    16100 Firetower Rd, Conroe, TX 77306
    (936) 537-8611
  • 8.26 mi
    AAA Insurance
    27726 I-45 N, Conroe, TX 77385
    (281) 465-1520
  • 8.26 mi
    Bruggeman Insurance Agency
    19221 Interstate 45 S Ste 160, Conroe, TX 77385
    (281) 352-5642
  • 8.26 mi
    Haley Insurance
    27351 Blueberry Hill Dr Ste 31, Conroe, TX 77385
    (281) 364-7888
  • 8.26 mi
    Goosehead Insurance - Ian Gerrard
    19075 I45 N Suite #272, Conroe, TX 77385
    (281) 825-3755
  • 8.26 mi
    Kari Romano
    19053 Interstate 45 North Suite B, Conroe, TX 77385
    (936) 231-8133
  • 8.26 mi
    American Financial & Automotive Services
    26451 Hanna Rd, Conroe, TX 77385
    (281) 296-4100
  • 8.26 mi
    Rodney Fleck
    10671 Highway 242, Conroe, TX 77385
    (936) 321-9909
  • 8.26 mi
    Charles Burchard
    29601b Robinson Rd, Conroe, TX 77385
    (281) 353-2300
View all agents ↓

Learn More About Car Insurance in Conroe, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

https://www.thezebra.com/insurance-news/3698/car-insurance-cover-out-of-state/

References

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.