Cheap Car Insurance in Henderson, Texas (With 2024 Rates)

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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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Insurance Agents in Henderson, TX and Near by

  • 0 mi
    Della Russell
    1211 Kilgore Dr Ste 103, Henderson, TX 75652
    (903) 655-0100
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  • 0 mi
    Steven Gloden Enterprises
    1508 W Main St, Henderson, TX 75652
    (903) 657-4607
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  • 0 mi
    INSURICA - Craig Insurance
    115 N Jackson St Ste 104, Henderson, TX 75652
    (903) 657-2626
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  • 0 mi
    Jason Jones
    103 N Main St, Henderson, TX 75652
    (430) 727-1100
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  • 0 mi
    SIG - Service Insurance Group
    121 N Marshall St, Henderson, TX 75652
    (903) 657-4210
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  • 0 mi
    CBH Insurance Agency
    118 N Marshall St, Henderson, TX 75652
    (903) 655-1170
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  • 0 mi
    RLW Financial Services
    617 E Main St, Henderson, TX 75652
    (903) 657-2480
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  • 0 mi
    Texas Farm Bureau Insurance
    1315 Us Highway 79 N, Henderson, TX 75652
    (903) 657-4594
    View |
  • 11.6 mi
    Dave Powell
    306 S Main St, Henderson, TX 75654
    (903) 657-4566
    View |
  • 11.6 mi
    Peggy Rogas
    712 Fair Park Dr Ste 105, Henderson, TX 75654
    (903) 657-2533
    View |
  • 11.6 mi
    Samuel Arroyo Agency
    101 Richardson Dr, Henderson, TX 75654
    (903) 392-8294
    View |
  • 11.6 mi
    Tony Martin
    703 S Main St, Henderson, TX 75654
    (903) 657-7564
    View |
  • 11.6 mi
    Diane Neilsen
    1609 Us Highway 79 S, Henderson, TX 75654
    (903) 657-4200
    View |
  • 11.6 mi
    CFG Insurance
    1610 Us Highway 79 S, Henderson, TX 75654
    (903) 657-1531
    View |
  • 11.6 mi
    Rachel Moseley
    3122 Fm 225 S, Henderson, TX 75654
    (903) 657-8107
    View |
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Learn More About Car Insurance in Henderson, 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.