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 San Marcos, TX and Near by
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0 miMeadows Insurance Agency1904 Rnch Rd 12 Ste 115, San Marcos, TX 78666(512) 392-9000View |
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0 miRobert Ruiz3209 N Ih 35, San Marcos, TX 78666(512) 546-7100View |
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0 miDonna Jourdan215 Grandview Dr, San Marcos, TX 78666(512) 392-5412View |
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0 miBeverly Watwood1205 Highway 123 Ste 301, San Marcos, TX 78666(512) 392-4433View |
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0 miEsquivel Insurance Agency900 Bugg Ln Ste 115, San Marcos, TX 78666(512) 396-0642View |
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0 miMahan Insurance Services900 Bugg Ln, San Marcos, TX 78666(512) 392-5585View |
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0 miRosado Insurance Agency806 N Ih 35, San Marcos, TX 78666(512) 805-8898View |
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0 miJo Stephens - State Farm1540 S Ih 35 Ste 101, San Marcos, TX 78666(512) 805-0600View |
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0 miGlenn Wier2575 S Ih 35 Ste 101, San Marcos, TX 78666(512) 392-6601View |
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0 miBrian Parker618 S Guadalupe St Ste 104, San Marcos, TX 78666(512) 392-2822View |
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0 miSan Marcos Insurance Agency1517 Aquarena Springs Dr Ste C, San Marcos, TX 78666(512) 754-7119View |
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0 miInsurance Agency of San Marcos112 N Lbj Dr, San Marcos, TX 78666(512) 396-8290View |
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0 miCisneros Insurance Agency101 W San Antonio St, San Marcos, TX 78666(512) 805-8760View |
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0 miWaldrip Insurance Agency116 N L B J Dr, San Marcos, TX 78666(512) 353-7411View |
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0 miBirdie Deshay Jefferson118 E San Antonio St, San Marcos, TX 78666(512) 665-9675View |
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0 miChandler Insurance Group118 E San Antonio St, San Marcos, TX 78666(512) 396-5277View |
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0 miBenchmark Insurance Group225 W Hopkins St, San Marcos, TX 78666(512) 754-2700View |
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0 miMatthew Patterson222 E Hutchison St, San Marcos, TX 78666(512) 396-1234View |
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0 miTed Miska410 Harvey St, San Marcos, TX 78666(512) 396-5111View |
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0 miGermer Insurance Services125 Moore St Ste 103, San Marcos, TX 78666(512) 396-4567View |
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0 miChuck Misenheimer460 W Holland St, San Marcos, TX 78666(512) 353-2800View |
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0 miTexas Farm Bureau Insurance1913 Dutton Dr Ste 301, San Marcos, TX 78666(512) 396-2013View |
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0 miRosie Garcia2401 Hunter Rd Ste 500, San Marcos, TX 78666(512) 392-8050View |
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0 miIntegra Insurance Services102 Suttles Ave, San Marcos, TX 78666(512) 392-3055View |
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0 miIntegrity Insurance Solutions - Bill Taylor111 E Mccarty Ln Unit C, San Marcos, TX 78666(512) 396-2211View |
Learn More About Car Insurance in San Marcos, 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.