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 Orange, TX and Near by
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0 miHerbert Jessie Beers12777 Ih 10 E, Orange, TX 77630(409) 745-3299View |
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0 miJay Ayers3131 N 16th St, Orange, TX 77630(409) 883-5959View |
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0 miHeather Montagne3127 N 16th St, Orange, TX 77630(409) 886-3589View |
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0 miDonnie Marze2408 N 16th St, Orange, TX 77630(409) 745-4716View |
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0 miTWFG Insurance Services - John Backer1912 N 16th St, Orange, TX 77630(409) 886-4100View |
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0 miDonald Dodge Insurance1507 N 16th St, Orange, TX 77630(409) 882-9968View |
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0 miOrange Insurance Agency1008 Green Ave, Orange, TX 77630(409) 883-3567View |
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0 miDallas Insurance Agency1106 N 16th St, Orange, TX 77630(409) 883-8497View |
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0 miJames Dyer312 Henrietta St, Orange, TX 77630(409) 883-2982View |
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0 miHenry Nguyen3109 Edgar Brown Dr Ste N, Orange, TX 77630(409) 920-7272View |
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0 miMatthew Purgahn1401 Green Ave, Orange, TX 77630(409) 883-7377View |
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0 miMann Insurance Agency1505 W Park Ave, Orange, TX 77630(409) 886-4411View |
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0 miMike Mazzola Jr827 Strickland Dr, Orange, TX 77630(409) 886-5218View |
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0 miMike Lowe1104 N 16th St Ste D, Orange, TX 77630(409) 886-4043View |
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0 miRicky Calliham3515 Mockingbird St Ste B, Orange, TX 77630(409) 886-9750View |
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0 miGreg Roberts1705 Strickland Dr, Orange, TX 77630(409) 883-3777View |
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0 miGlobalGreen Insurance Agency2403 Martin Luther King Jr Dr, Orange, TX 77630(409) 330-4344View |
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0 miKeith Wolfe2431 Martin Luther King Jr Dr, Orange, TX 77630(409) 883-0084View |
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0 miLiz Hogan2496 Mlk Dr Apt D, Orange, TX 77630(409) 886-8860View |
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0 miCampise Insurance Services18175 Highway 62 S, Orange, TX 77630(409) 882-9330View |
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9.8 miTrevco Insurance3733 N 16th St, Orange, TX 77632(409) 883-8444View |
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9.8 miBrian Mack3717 N 16th St, Orange, TX 77632(409) 330-4260View |
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9.8 miBeaty Insurance Agency3410 Lutcher Dr, Orange, TX 77632(409) 886-1351View |
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9.8 miOwens Insurance Agency10394 Highway 12, Orange, TX 77632(409) 745-2828View |
Learn More About Car Insurance in Orange, 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.