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 Katy, TX and Near by
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0 miInsignis One11773 Westborough Ste 321, Katy, TX 77449(281) 394-3001View |
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0 miLarry Smith1801a N Mason Rd, Katy, TX 77449(281) 347-3333View |
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0 miJay Blanco1603 N Westgreen Blvd Ste 140, Katy, TX 77449(713) 559-2008View |
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0 miTricia Calzavara20300 Franz Rd Ste 4, Katy, TX 77449(281) 855-7220View |
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0 miJose Rios20300 Franz Rd Ste 4, Katy, TX 77449(281) 828-0683View |
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0 miPat Thonen Insurance Agency1773 Westborough Dr Ste 206, Katy, TX 77449(713) 777-3066View |
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0 miCurt McCrae & Associates21411 Clay Rd Ste C, Katy, TX 77449(281) 858-2485View |
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0 miTWFG Insurance Services - Craig Andrews1844 Snake River Rd Ste B, Katy, TX 77449(832) 913-5739View |
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0 miAyuda Hispana Insurance Agency1846 Snake River Rd Ste A, Katy, TX 77449(281) 578-5222View |
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0 miNoah Yaro1802 Snake River Rd Ste D, Katy, TX 77449(281) 944-9445View |
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0 miDale A Willard2211 N Fry Rd Ste G, Katy, TX 77449(281) 647-0131View |
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0 miAAAA Insurance2329 N Fry Rd, Katy, TX 77449(281) 398-7222View |
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0 miJoseph Andrade3020 N Fry Rd, Katy, TX 77449(281) 829-5656View |
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0 miJuan Pereira3719 N Fry Rd Ste C, Katy, TX 77449(281) 599-3741View |
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0 miTim Tureau3939 Fry Rd Ste B, Katy, TX 77449(281) 599-8001View |
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0 miThomas Stevens6201 Fry Rd Ste A, Katy, TX 77449(281) 656-8007View |
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0 miRick Luckett5444 Fry Rd Ste B, Katy, TX 77449(281) 859-9191View |
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0 miAbility Insurance Agency19410 Clay Rd Ste G, Katy, TX 77449(281) 859-2000View |
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0 miMario Cruz Perez5516 N Fry Rd Ste C, Katy, TX 77449(832) 803-0015View |
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0 miMCN Multiservices19214 Clay Rd Ste G, Katy, TX 77449(281) 858-1115View |
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0 miAP Insurance & Tax5770 N Fry Rd Ste 5, Katy, TX 77449(281) 550-0030View |
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0 miR & M Agency5803 Fry Rd Ste 105, Katy, TX 77449(832) 649-3183View |
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0 miE. Flores Insurance5751 Greenhouse Rd Ste 106, Katy, TX 77449(281) 829-1988View |
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0 miMarco Cervantes19310 W Little York Rd Ste E, Katy, TX 77449(281) 861-2700View |
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0 miDel Sol Insurance19128 W Little York Rd Ste B, Katy, TX 77449(281) 656-8311View |
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5.68 miKent Beckner Insurance5614 Pitts Rd, Katy, TX 77493(281) 371-2884View |
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5.68 miBurch Insurance Agency6311 Magnolia St, Katy, TX 77493(281) 391-2934View |
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5.68 miGoosehead Insurance - Rick Swantner1906 Avenue D Ste 100, Katy, TX 77493(281) 371-4333View |
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5.68 miSteven Smith1806 Avenue D Ste 107, Katy, TX 77493(281) 347-8383View |
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5.68 miShari Boothe1514 Avenue D, Katy, TX 77493(281) 391-3076View |
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5.68 miKaty Insurance Agency1207 Avenue D, Katy, TX 77493(281) 391-2109View |
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5.68 miPreferred Alliance Group5606 Franz Rd, Katy, TX 77493(281) 391-2332View |
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5.68 miDusty Thiele5621 3rd St Ste A, Katy, TX 77493(281) 392-6868View |
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5.68 miMatt Schomburg814 East Avenue, Katy, TX 77493(281) 578-0607View |
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5.68 miG & H Financial Insurance Services5503 4th St, Katy, TX 77493(281) 395-5497View |
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5.68 miHome Insurance Solutions Of Texas1324 Avenue D, Katy, TX 77493(281) 293-7744View |
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5.68 miRojas Insurance Group5318 E 5th St, Katy, TX 77493(713) 820-5347View |
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5.68 miM&W Insurance & Multiservices5318 E 5th St, Katy, TX 77493(832) 518-0556View |
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5.68 miMathew David5304 E 5th St Ste 104, Katy, TX 77493(281) 665-2940View |
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5.68 miWillard Mays2020 Katy Hockley Cut Off Rd Ste B, Katy, TX 77493(281) 231-2280View |
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6.21 miGoosehead Insurance - Scott Adelman535 E Fernhurst Dr Ste 106, Katy, TX 77450(832) 512-8927View |
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6.21 miRegina M. Harvey535 E Fernhurst Dr Ste 322, Katy, TX 77450(346) 213-7711View |
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6.21 miTWFG Insurance Services - Ceferina Chari22503 Katy Fwy Ste 30, Katy, TX 77450(281) 647-0553View |
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6.21 miTree Insurance Agency22503 Katy Fwy Ste 1, Katy, TX 77450(281) 994-4215View |
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6.21 miDLG Insurance Group22503 Katy Fwy Ste 67, Katy, TX 77450(281) 994-4222View |
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6.21 miWomack Insurance22503 Katy Freeway, Katy, TX 77450(281) 829-6363View |
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6.21 miKyle Lindner430 S Mason Rd Ste 112, Katy, TX 77450(281) 392-0080View |
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6.21 miThom Polvogt Agency Group22214 Highland Knolls Dr, Katy, TX 77450(281) 395-9400View |
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6.21 miL.A. Insurance Agency TX28227 S Mason Rd, Katy, TX 77450(281) 730-5252View |
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6.21 miEugene Eschenburg21924 Kingsland Blvd, Katy, TX 77450(281) 392-2525View |
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6.21 miMGS Insurance & Multi Services870 S Mason Rd Ste 102, Katy, TX 77450(281) 394-3300View |
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6.21 miTexas RIA - Rummel Insurance Agency533 S Mason Rd, Katy, TX 77450(281) 599-0600View |
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6.21 miHarley Berry Insurance Agency565 S Mason Rd Ste 184, Katy, TX 77450(281) 392-1400View |
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6.21 miCinco Ranch Insurance Services810 S Mason Rd Ste 140, Katy, TX 77450(281) 391-7608View |
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6.21 miTim Guard Insurance Agency810 S Mason Rd Ste 205, Katy, TX 77450(281) 857-6960View |
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6.21 miHamann Insurance Group830 S Mason Rd Ste A1, Katy, TX 77450(281) 392-6880View |
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6.21 miJermon Johnson450 Park Grove Ln, Katy, TX 77450(281) 393-8301View |
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6.21 miASAP Insurance Agency873 S Mason Rd Ste 320, Katy, TX 77450(281) 944-9594View |
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6.21 miRick Toman414 Park Grove Ln, Katy, TX 77450(281) 578-1500View |
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6.21 miAcceptance Auto Insurance333 S Mason Rd, Katy, TX 77450(281) 579-8000View |
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6.21 miRosie Cisneros1150 S Mason Rd Ste 107, Katy, TX 77450(281) 392-7710View |
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6.21 miDavid Tran1540 S Mason Rd Ste B, Katy, TX 77450(281) 665-8109View |
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6.21 miTom Wilker605 Park Grove Ln Ste C, Katy, TX 77450(281) 492-2289View |
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6.21 miChris Henry21707 Kingsland Blvd Ste 103, Katy, TX 77450(281) 492-6644View |
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6.21 miMarcelo Perez1541 S Mason Rd, Katy, TX 77450(281) 717-4777View |
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6.21 miSean McGowan423 Mason Park Blvd Ste A, Katy, TX 77450(281) 829-1135View |
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6.21 miTom Stewart Insurance423 Mason Park Blvd Ste A, Katy, TX 77450(281) 398-0001View |
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6.21 miCharles Nouhra21396 Provincial Blvd, Katy, TX 77450(281) 398-9100View |
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6.21 miMax Breisse Insurance & Financial Agency21356 Provincial Blvd, Katy, TX 77450(281) 578-0523View |
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6.21 miKathy Leger21320 Provincial Blvd Ste 200, Katy, TX 77450(832) 726-8177View |
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6.21 miDavid W. Reed21354 Provincial Blvd, Katy, TX 77450(281) 579-8600View |
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6.21 miTexas Insurance Agency21430 Provincial Blvd, Katy, TX 77450(281) 398-1010View |
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6.21 miCharles Cash22762 Westheimer Pkwy Ste 505, Katy, TX 77450(832) 772-4253View |
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6.21 miChristopher Forbes22762 Westheimer Pkwy Ste 505, Katy, TX 77450(832) 862-5644View |
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6.21 miTexas Farm Bureau Insurance22762 Westheimer Pkwy Ste 495, Katy, TX 77450(281) 207-4125View |
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6.21 miTWFG Insurance Services - David Laux22400 Westheimer Pkwy Apt 505, Katy, TX 77450(713) 240-8228View |
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6.21 miSuzanne Sansom Insurance3522 S Mason Rd Ste 260, Katy, TX 77450(832) 437-4180View |
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6.21 miAntonio Boueri3750 S Mason Rd Ste 500, Katy, TX 77450(346) 200-9858View |
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6.21 miChris Mallett22100 Westheimer Pkwy, Katy, TX 77450(281) 828-2700View |
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6.21 miLinda Taylor20501 Katy Fwy Ste 100f, Katy, TX 77450(281) 646-8766View |
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6.21 miManuel Prado20501 Katy Fwy Ste 204, Katy, TX 77450(281) 660-8741View |
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6.21 miDerek Sample Insurance20501 Katy Fwy, Katy, TX 77450(281) 398-4665View |
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6.21 miEd Perez20680 Westheimer Pkwy Ste 20, Katy, TX 77450(281) 828-2222View |
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6.21 miDavid Barker Insurance950 S Fry Rd, Katy, TX 77450(281) 492-8600View |
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6.21 miDavid Whittington Insurance Agency920 S Fry Rd, Katy, TX 77450(281) 599-7300View |
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6.21 miMaria Cantu944 S Fry Rd, Katy, TX 77450(281) 496-5352View |
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6.21 miA & S Insurance Agency6210 Presidio Canyon Dr, Katy, TX 77450(832) 876-3010View |
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8.39 miJason McDonald4031 Fm 1463 Rd Ste 30, Katy, TX 77494(713) 532-5254View |
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8.39 miCesar Saldivia8945 S Fry Rd Ste C, Katy, TX 77494(281) 574-2869View |
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8.39 miKhalid Alrashed2750 Fm 1463 Rd Ste 250, Katy, TX 77494(713) 777-0202View |
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8.39 miAlexander Hanks2206 Katy Flewellen Rd, Katy, TX 77494(281) 394-0448View |
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8.39 miRMC Insurance Services5627 Highway Blvd, Katy, TX 77494(281) 391-8282View |
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8.39 miAffordable Insurance of Texas5650 Roberts Rd Bldg B Ste 100, Katy, TX 77494(281) 395-9001View |
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8.39 miSalvador Navarro722 Pin Oak Rd Ste 208, Katy, TX 77494(281) 391-8991View |
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8.39 miReliable Insurance Managers5345 Highway Blvd, Katy, TX 77494(713) 227-7283View |
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8.39 miCecilia Embra25722 Kingsland Blvd Ste 204a, Katy, TX 77494(281) 752-6222View |
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8.39 miCharles Green1260 Pin Oak Rd Ste 112, Katy, TX 77494(281) 392-1144View |
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8.39 miCarolyn Bernstein2001 Katy Mills Blvd Ste F, Katy, TX 77494(281) 392-3133View |
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8.39 miChuck Garibay1310 Pin Oak Rd, Katy, TX 77494(281) 492-8000View |
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8.39 miThom Polvogt Agency Group24610 Kingsland Blvd, Katy, TX 77494(281) 391-4734View |
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8.39 miGreg White24642 Kingsland Blvd, Katy, TX 77494(281) 492-2626View |
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8.39 miLiberty Mutual Agency24275 Katy Fwy Ste 250, Katy, TX 77494(281) 392-4333View |
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8.39 miSherwood Insurance Agency24205 Kingsland Blvd Ste 100, Katy, TX 77494(713) 454-7705View |
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8.39 miJohn Adkins24203 Kingsland Blvd, Katy, TX 77494(281) 395-4222View |
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8.39 miSOLV Risk Solutions410 W Grand Pkwy S Ste 390, Katy, TX 77494(844) 600-7658View |
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8.39 miSouthern Winds Insurance Agency410 W Grand Pkwy S Ste 390, Katy, TX 77494(281) 741-7563View |
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8.39 miJerry Kroll402 W Grand Pkwy S Ste 100, Katy, TX 77494(281) 392-0505View |
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8.39 miXzavier Haywood25600 Westheimer Pkwy Ste 102, Katy, TX 77494(832) 437-8250View |
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8.39 miAtlantis Agency403 W Grand Pkwy S Ste F, Katy, TX 77494(281) 704-0634View |
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8.39 miDavid Wiemers24668 Kingsland Blvd, Katy, TX 77494(713) 984-4835View |
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8.39 miBill Stone1450 W Grand Pkwy S Ste H, Katy, TX 77494(281) 693-1600View |
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8.39 miTravis Lundell1450 W Grand Pkwy S Ste H, Katy, TX 77494(281) 391-6464View |
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8.39 miBrandon Bertrand1315 W Grand Pkwy S Ste 102, Katy, TX 77494(281) 395-9500View |
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8.39 miOsvaldo Veras23501 Cinco Ranch Blvd # 202, Katy, TX 77494(281) 395-1800View |
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8.39 miCardinal Insurance Agency24044 Cinco Village Center Blvd Ste 100, Katy, TX 77494(281) 705-1208View |
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8.39 miShahrzad Roham24044 Cinco Village Center Blvd Ste 101, Katy, TX 77494(281) 247-0378View |
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8.39 miGibraltar Insurance Services23922 Cinco Village Center Blvd Ste 123, Katy, TX 77494(281) 492-5968View |
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8.39 miTom Mann23144 Cinco Ranch Blvd Ste J, Katy, TX 77494(281) 693-2500View |
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8.39 miGoosehead Insurance - Ann Nguyen2717 Commercial Center Blvd Ste E200, Katy, TX 77494(832) 808-0129View |
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8.39 miServiam Insurance Agency2717 Commercial Center Blvd Ste E200, Katy, TX 77494(281) 769-5000View |
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8.39 miJoshua Day2900 Comrcl Center Blvd Ste 101, Katy, TX 77494(281) 371-8181View |
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8.39 miKent Kiesewetter23112 Cinco Ranch Blvd, Katy, TX 77494(281) 693-4433View |
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8.39 miJeff Kappes Insurance Agency2877 Commercial Center Blvd, Katy, TX 77494(281) 491-3800View |
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8.39 miFarmers Insurance - Chris Liebum3402 Torchlite Ter Ste B, Katy, TX 77494(832) 252-9413View |
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8.39 miLyn Stegall6920 S Fry Rd Ste K, Katy, TX 77494(281) 496-3200View |
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8.39 miDagley Insurance & Financial Services23102 Seven Meadows Pkwy, Katy, TX 77494(281) 644-1000View |
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8.39 miMarlene Anett Sarmiento6711 S Fry Rd, Katy, TX 77494(281) 857-6373View |
Learn More About Car Insurance in Katy, 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.