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Home » Car insurance » Texas » Cheap Car Insurance Denton

Cheap Car Insurance in Denton

Lowest Premium

$397 / YEAR

Average Premium

$519 / YEAR

Highest Premium

$741 / YEAR

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

The average annual premium in Denton is around $519 and can go upto $741. 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 Denton by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Denton. 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
76201$518
76202$523
76205$507
76207$504
76208$526
76210$524

Insurance Agents in Denton, TX and Near by

Agents by ZIP code:
  • 0 mi
    Complete Financial Group
    1808 Cornell Ln Ste 140, Denton, TX 76201
    (940) 382-9300
  • 0 mi
    Ricardo Sempertegui - State Farm Insurance
    2317 W University Dr Ste 113, Denton, TX 76201
    (940) 381-2490
  • 0 mi
    Acceptance Auto Insurance
    2317 W University Dr Ste 143, Denton, TX 76201
    (940) 891-1800
  • 0 mi
    Schertz Insurance Agency
    1213 Primrose Ln Ste 102, Denton, TX 76201
    (940) 891-4803
  • 0 mi
    A-Max Auto Insurance
    1627 W University Dr, Denton, TX 76201
    (940) 891-0200
  • 0 mi
    Sanchez Insurance & More
    913 Sunset St, Denton, TX 76201
    (940) 484-4700
  • 0 mi
    Scanlon Insurance Agency
    905 Sunset St, Denton, TX 76201
    (940) 387-0535
  • 0 mi
    A-Tex Insurance
    100 W Oak St Ste G100, Denton, TX 76201
    (866) 484-2839
  • 0 mi
    Sierra Insurance Agency Corp
    207 W Hickory St Ste 205, Denton, TX 76201
    (940) 382-3342
  • 0 mi
    Chrystie Greer
    207 W Hickory St Ste 104, Denton, TX 76201
    (940) 239-5088
  • 0 mi
    Goosehead Insurance - Patric Farrell
    109 E Oak St Ste 900, Denton, TX 76201
    (844) 446-6734
  • 0 mi
    Area Wide Insurance Agency
    225 N Locust St, Denton, TX 76201
    (940) 320-9999
  • 0 mi
    CU Financial Group
    225 W Mulberry St, Denton, TX 76201
    (940) 442-5581
  • 0 mi
    Wade Hunt Insurance
    512 W Hickory St Ste 116, Denton, TX 76201
    (940) 591-8581
  • 0 mi
    Glenn Davis Insurance
    601 N Elm St, Denton, TX 76201
    (940) 484-8913
  • 0 mi
    Mark Tucker
    519 S Carroll Blvd Ste 100, Denton, TX 76201
    (940) 484-8441
  • 0 mi
    Danny Koh
    601 N Carroll Blvd Ste A, Denton, TX 76201
    (940) 514-1559
  • 0 mi
    Mark Chew
    801 N Elm St, Denton, TX 76201
    (940) 383-1083
  • 0 mi
    Ramey & King Insurance
    320 Eagle Dr Ste 210, Denton, TX 76201
    (940) 382-9691
  • 0 mi
    Tim Shoopman - State Farm Insurance
    1004 N Locust St, Denton, TX 76201
    (940) 383-2614
  • 0 mi
    Krahl Insurance Agency
    901 S Elm St, Denton, TX 76201
    (940) 565-0125
  • 0 mi
    Kelly Phillips
    1014 N Elm St, Denton, TX 76201
    (940) 320-2700
  • 0 mi
    Gregory Wade Hunt
    211 Fort Worth Dr, Denton, TX 76201
    (940) 312-7075
  • 0 mi
    North Texas Insurance Agency
    1104 N Locust St, Denton, TX 76201
    (940) 566-1213
  • 0 mi
    Hutcherson Insurance Group
    1212 N Locust St, Denton, TX 76201
    (940) 382-9696
  • 0 mi
    Tommy Graham
    1410 N Elm St Ste A, Denton, TX 76201
    (940) 382-1967
  • 0 mi
    ANPAC Agency
    1421 N Elm St Ste 100, Denton, TX 76201
    (940) 566-0377
  • 0 mi
    Larry Harberson
    1515 N Elm St, Denton, TX 76201
    (940) 387-4512
  • 0 mi
    Jim Scribner Insurance
    1707 N Elm St, Denton, TX 76201
    (940) 387-4903
  • 0 mi
    Kerry Goree
    525 Fort Worth Dr Ste 301, Denton, TX 76201
    (940) 382-9100
  • 0 mi
    Baja Auto Insurance
    602 W University Dr, Denton, TX 76201
    (214) 301-7016
  • 0 mi
    Jaime Santillan
    2000 Denison St Ste A, Denton, TX 76201
    (469) 261-2864
  • 0 mi
    Michael Doranski
    2000 Denison St Ste A, Denton, TX 76201
    (940) 387-6289
  • 2.27 mi
    Randy Neuser
    111 E University Dr Ste 108, Denton, TX 76209
    (940) 591-6800
  • 2.27 mi
    Inner Circle Advisors
    2412 Old North Rd Ste 101, Denton, TX 76209
    (940) 312-6008
  • 2.28 mi
    Neal & Neal Insurance Agency
    4202 N I-35, Denton, TX 76207
    (940) 387-8281
  • 2.4 mi
    Matt Portz
    800 S Interstate 35 E, Denton, TX 76205
    (940) 591-6644
  • 2.4 mi
    AAA Insurance
    1732 S Loop 288 Ste 100, Denton, TX 76205
    (940) 323-3240
  • 2.4 mi
    George Carranza
    2430 S I 35 E Ste 212, Denton, TX 76205
    (940) 566-2234
  • 2.4 mi
    Bradford Schommer
    2442 Lillian Miller Pkwy Ste 115, Denton, TX 76205
    (817) 769-2870
  • 2.4 mi
    Goosehead Insurance - Cody Deck
    2438 Lillian Miller Pkwy Ste 205, Denton, TX 76205
    (940) 230-2803
  • 2.4 mi
    Distinct Financial Solutions
    2220 San Jacinto Blvd Ste 110, Denton, TX 76205
    (940) 297-1474
  • 2.4 mi
    Rob Glenn
    301 Dallas Dr Ste 118, Denton, TX 76205
    (940) 483-1042
  • 2.4 mi
    Insurance Services Agency
    1111 Teasley Ln, Denton, TX 76205
    (940) 566-2202
  • 2.4 mi
    Jose Poot
    1121 Dallas Dr Ste 2, Denton, TX 76205
    (940) 320-1355
  • 2.4 mi
    Harnem Insurance Group
    717 S Interstate 35 E Ste 124, Denton, TX 76205
    (940) 293-4635
  • 2.4 mi
    Spencer Insurance Agency
    717 S Interstate 35 E Ste 124, Denton, TX 76205
    (940) 247-3164
  • 2.4 mi
    Alan Zimmerer
    264 S Interstate 35 E, Denton, TX 76205
    (940) 566-2350
  • 2.4 mi
    Metlife Auto & Home - Jay Creel
    723 S I-35e Ste 206, Denton, TX 76205
    (940) 382-8828
  • 2.4 mi
    The Hulett Agency
    723 S Interstate 35 E Ste 112, Denton, TX 76205
    (940) 503-3025
  • 2.4 mi
    John Fondon
    1710 Westminster St Ste B, Denton, TX 76205
    (940) 384-9600
  • 5.26 mi
    Goosehead Insurance - Jessie Bishop
    1402 N Corinth St Ste 114, Denton, TX 76208
    (940) 498-7007
  • 5.26 mi
    Jamie Wilson
    1402 N Corinth St Ste 110, Denton, TX 76208
    (940) 498-7737
  • 5.26 mi
    Texas Farm Bureau Insurance
    3201 E University Dr, Denton, TX 76208
    (940) 387-8572
  • 5.76 mi
    Gary Peppers
    7650 S I 35 E Ste 124, Denton, TX 76210
    (940) 321-7100
  • 5.76 mi
    Insurance Connection USA
    1430 Robinson Rd Ste 130, Denton, TX 76210
    (940) 382-4700
  • 5.76 mi
    David Reese
    1420 Robinson Rd Ste 220, Denton, TX 76210
    (940) 387-2181
  • 5.76 mi
    Century Insurance Agency
    2735 Wind River Ln Ste 151, Denton, TX 76210
    (940) 387-8811
  • 5.76 mi
    David Otto
    3969 Teasley Ln Ste 1300, Denton, TX 76210
    (940) 383-2900
  • 5.76 mi
    Gregory Wade Hunt
    1206 Bent Oaks Ct, Denton, TX 76210
    (940) 565-5060
  • 5.76 mi
    Jill Marion
    1204 Bent Oaks Ct Ste 200, Denton, TX 76210
    (940) 243-3464
  • 5.76 mi
    Grunor Family Insurance Group, LLC
    3201 Teasley Ln Ste 305, Denton, TX 76210
    (940) 387-3618
  • 5.76 mi
    Rodney Overlander
    2925 Country Club Rd Ste 104, Denton, TX 76210
    (940) 383-9700
  • 5.76 mi
    Denton Insurance Center
    2921 Country Club Rd Ste 102, Denton, TX 76210
    (940) 387-9501
View all agents ↓

Learn More About Car Insurance in Denton, 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.