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 Spring, TX and Near by
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0 miFrank Willingham26424 Lexington Rd, Spring, TX 77373(281) 353-4219View |
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0 miGEICO - Jerry Coker1403 Spring Cypress Rd Ste 104, Spring, TX 77373(713) 224-3426View |
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0 miA-Z Insurance Agency1412 Spring Cypress Rd, Spring, TX 77373(281) 213-0833View |
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0 miTiffany Brimberry25702 Aldine Westfield Rd, Spring, TX 77373(832) 764-7277View |
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0 miHughes Insurance Agency1101 Wunsche Loop, Spring, TX 77373(281) 353-5707View |
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0 miTWFG Insurance Services - Mark Wilson218 Noble St Ste 1a, Spring, TX 77373(281) 466-1159View |
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0 miRoberta Mendez24307 Aldine Westfield Rd Ste K, Spring, TX 77373(832) 782-7213View |
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0 miRick Fields26835 Cypresswood Dr Ste 4, Spring, TX 77373(281) 651-1990View |
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0 miTara Lagoy22534 Aldine Westfield Rd, Spring, TX 77373(281) 355-7900View |
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0 miJ Harold Banks821 Crossbridge Dr Ste B, Spring, TX 77373(281) 288-2600View |
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0 miRandy Miller5641 Treaschwig Rd, Spring, TX 77373(281) 443-7249View |
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0.04 miSteve Powell24800 I-45 Ste 105, Spring, TX 77383(281) 363-9757View |
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10.7 miMomentum Insurance & Financial Services23 Postvine Ct, Spring, TX 77381(281) 465-8110View |
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10.7 miDealer Insurance Service18 E Wandering Oak Dr, Spring, TX 77381(713) 588-9693View |
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10.7 miDan Johnston4775 W Panther Creek Dr Ste 330, Spring, TX 77381(281) 363-1877View |
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10.7 miInsurance One Agency9303 New Trails Dr Ste 475, Spring, TX 77381(281) 350-6277View |
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10.7 miMarc Hutson5202 Shadow Bend Pl, Spring, TX 77381(281) 364-0040View |
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10.7 miCorey LeJeune - State Farm Insurance2520 Research Forest Dr Ste 410, Spring, TX 77381(281) 516-1112View |
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10.7 miLiberty Mutual Agency3000 Research Forest Dr Ste 200, Spring, TX 77381(281) 364-1090View |
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10.7 miGibraltar Insurance Services9000 Forest Xing, Spring, TX 77381(281) 210-5792View |
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10.7 miMalisa Floyd4200 Research Forest Dr # 90, Spring, TX 77381(281) 303-5733View |
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10.7 miJaime Talancon8505 Technology Forest Pl Ste 804, Spring, TX 77381(936) 447-9004View |
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10.7 miPC Woodlands Insurance8505 Technology Forest Pl Ste 802, Spring, TX 77381(713) 589-3105View |
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13.52 miTWFG Insurance Services - Jason Schmitz1300 Woodloch Forest Suite 300, Spring, TX 77382(832) 541-2035View |
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13.52 miJim Cochran6700 Woodlands Pkwy Ste 240, Spring, TX 77382(281) 367-5500View |
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13.52 miKeith Wagner8105 Kuykendahl Rd Ste 100, Spring, TX 77382(281) 362-1500View |
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13.52 miProactivo Risk Solutions Insurance61 Carlton Woods Dr # 7, Spring, TX 77382(281) 292-2929View |
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13.52 miPreferred Choice Insurance and Financial Group8111 Ashlane Way Ste 224, Spring, TX 77382(281) 863-9111View |
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13.52 miThe Kimball Group9955 Woodlands Pkwy, Spring, TX 77382(281) 653-7770View |
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3.23 miGulf State Insurance Group26514 Interstate 45, Spring, TX 77386(281) 727-0170View |
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3.23 miTWFG Insurance Services - Hector Segovia26310 I H 45, Spring, TX 77386(281) 620-9765View |
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3.23 miJames Sloan Insurance25700 I-45 Ste 100, Spring, TX 77386(281) 363-9499View |
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3.23 miRandy Juneau26514 Interstate 45 N, Spring, TX 77386(281) 367-6600View |
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3.23 miChris Flanagan Insurance Agency327 Rayford Rd Ste 120, Spring, TX 77386(281) 681-3684View |
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3.23 miFranklin Ricker25132 Oakhurst Dr Ste 175, Spring, TX 77386(281) 374-8804View |
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3.23 miMetLife Auto & Home - Shelley Rollins25132 Oakhurst Dr Ste 180, Spring, TX 77386(281) 419-1141View |
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3.23 miRalph Eureste25132 Oakhurst Dr Ste 200, Spring, TX 77386(281) 362-0600View |
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3.23 miHeather Bradley Poore24800 I 45 Ste 110, Spring, TX 77386(832) 616-5500View |
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3.23 miKerry Trigg24900 Pitkin Rd Ste 332, Spring, TX 77386(832) 791-5453View |
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3.23 miSpring Woods Financial Group24624 Interstate 45 Ste 200, Spring, TX 77386(281) 719-1986View |
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3.23 miIntegra Insurance Services24624 I-45 N Ste 242, Spring, TX 77386(832) 271-7766View |
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3.23 miTWFG Insurance Services - Caryn Arrington24624 Interstate 45 Ste 200, Spring, TX 77386(281) 719-1470View |
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3.23 miChristopher Bello322 Spring Hill Dr Ste A600, Spring, TX 77386(281) 241-4524View |
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3.23 miLewis Martin1625 Rayford Rd Ste A, Spring, TX 77386(832) 562-3242View |
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3.23 miKyle Sherburne2833 Riley Fuzzel Rd Ste 200, Spring, TX 77386(281) 363-4440View |
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3.23 miJerry Sisco Insurance Agency2002 Rayford Rd, Spring, TX 77386(281) 363-9258View |
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3.23 miJohn Cowart2757 Rayford Rd Ste C, Spring, TX 77386(281) 362-8444View |
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3.23 miRyan Graham3440 Riley Fuzzel Rd Ste 110, Spring, TX 77386(281) 201-0740View |
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5.04 miDonald Victor II21327 Interstate 45 Ste C, Spring, TX 77388(832) 524-4314View |
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5.04 miDouglas Paschal19627 Holzwarth Rd Ste 100, Spring, TX 77388(281) 651-9200View |
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5.04 miJoseph Fresquez20403 Interstate 45 N, Spring, TX 77388(281) 814-7722View |
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5.04 miShawn Burns20403 I 45 N, Spring, TX 77388(281) 973-5755View |
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5.04 miAccess Auto Insurance Agency210 Greenforest Dr, Spring, TX 77388(281) 288-3330View |
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5.04 miTempleton Insurance Agency21120 Spring Town Dr, Spring, TX 77388(281) 350-4999View |
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5.04 miInfiniti Insurance Services2129 Fm 2920 Rd Ste 220, Spring, TX 77388(832) 249-9994View |
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5.04 miDelon Fields2122 Fm 2920 Rd Ste B, Spring, TX 77388(281) 350-0001View |
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5.04 miJustin Robert21327 N Freeway Ste C, Spring, TX 77388(281) 379-4942View |
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5.04 miAegis Insurance & Financial Services2540 Fm 2920 Rd, Spring, TX 77388(281) 350-1605View |
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5.04 miBrenda Rivera3730 Fm 2920 Rd Ste 109, Spring, TX 77388(832) 850-2939View |
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5.04 miEric Narzynski3835 Fm 2920 Rd Ste A1, Spring, TX 77388(281) 288-0077View |
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5.04 miFrank Stevens3910 Louetta Rd Ste D, Spring, TX 77388(281) 350-9193View |
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5.04 miStuart Miller4660 Louetta Rd Ste 120, Spring, TX 77388(281) 353-4212View |
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5.04 miKris Oglesby4711 Louetta Rd Ste 102, Spring, TX 77388(281) 882-3593View |
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5.04 miKenneth Eaves4951 Fm 2920 Rd, Spring, TX 77388(281) 404-0432View |
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5.04 miAnne Headley2129 Fm 2920 Rd Ste 190-276, Spring, TX 77388(281) 362-7851View |
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7.23 miMarc Maddox10077 Grogans Mill Rd Ste 140, Spring, TX 77380(281) 367-8200View |
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7.23 miHometown Insurance Partners2202 Timberloch Pl Ste 118, Spring, TX 77380(281) 419-2886View |
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7.23 miNo Limit Insurance Agency2002 Timberloch Pl, Spring, TX 77380(346) 312-6263View |
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7.23 miSpring Woods Insurance2002 Timberloch Pl, Spring, TX 77380(713) 338-1591View |
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7.23 miParagon Independent Insurance Agency2002 Timberloch Pl Ste 200, Spring, TX 77380(281) 298-0440View |
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7.23 miAML Insurance Agency9595 Six Pines Dr Ste 8210, Spring, TX 77380(713) 295-1529View |
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7.23 miLiere Insurance9595 Six Pines Dr, Spring, TX 77380(855) 776-2300View |
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7.23 miIscential Insurance1776 Woodstead Ct Ste 200, Spring, TX 77380(281) 677-9486View |
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7.23 miMomentum Insurance & Financial Services1776 Woodstead Ct Ste 114, Spring, TX 77380(281) 364-9966View |
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7.23 miAmerican Financial & Automotive Services1790 Hughes Landing Blvd Ste 700, Spring, TX 77380(800) 967-3633View |
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7.23 miPanoptic Insurance1790 Hughes Landing Blvd Ste 700, Spring, TX 77380(877) 778-7704View |
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7.23 miTaylor Made Insurance Services9595 Six Pines Ste 202, Spring, TX 77380(281) 364-7161View |
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7.23 miMary Brunson7 Switchbud Pl Ste 191c, Spring, TX 77380(281) 367-2797View |
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7.23 miAvalon Insurance Agency1095 Evergreen Cir Ste 200, Spring, TX 77380(281) 210-1177View |
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7.23 miTWFG Insurance Services - Cherie Johnson1095 Evergreen Cir Ste 200, Spring, TX 77380(832) 520-7580View |
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7.23 miSeth Thomasson Independent Insurance Agency9595 Six Pines Dr Ste 8210 Bldg 8, Spring, TX 77380(936) 597-8768View |
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7.23 miPatty Pogue1610 Woodstead Ct Ste 320, Spring, TX 77380(281) 363-2444View |
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7.23 miTexas Insurance Agency21 Waterway Ave Ste 300, Spring, TX 77380(832) 761-1187View |
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7.23 miApril Roberts1525 Lake Front Cir Ste 4, Spring, TX 77380(281) 367-0777View |
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7.23 miThe Woodlands Insurance Agency2495 Sawdust Rd Apt 1406, Spring, TX 77380(832) 834-1025View |
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7.23 miTWFG Insurance Services - Bob Norris1201 Lake Woodlands Dr, Spring, TX 77380(832) 731-7896View |
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7.23 miTWFG Insurance Services - Gordy Bunch1201 Lake Woodlands Dr, Spring, TX 77380(281) 367-3424View |
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7.23 miHarvey Schraeder2219 Sawdust Rd Ste 2001, Spring, TX 77380(281) 681-2004View |
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7.23 miPinnacle Point Insurance2219 Sawdust Rd Ste 303, Spring, TX 77380(281) 528-5737View |
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7.23 miKoch Insurance Group2219 Sawdust Rd Ste 501, Spring, TX 77380(281) 751-6580View |
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7.23 miOmar Hernandez2219 Sawdust Rd Ste 1404, Spring, TX 77380(281) 292-5433View |
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7.23 miTommy Ayala Rivera2219 Sawdust Rd Ste 402, Spring, TX 77380(832) 663-6522View |
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7.23 miTWFG Insurance Services - Chris Holland26502 Oak Ridge Dr, Spring, TX 77380(281) 816-3076View |
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7.23 miLuis Hernandez26502 Oak Ridge Dr, Spring, TX 77380(832) 813-8337View |
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7.23 miGlen Jones Insurance431 Nursery Rd Ste C100, Spring, TX 77380(281) 292-6696View |
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7.23 miTom Frazier Insurance431 Nursery Rd Ste C100, Spring, TX 77380(281) 292-4115View |
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7.23 miTWFG Insurance Services - Allen Emfinger26314 Oak Ridge Dr, Spring, TX 77380(281) 466-1057View |
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7.23 miRick Dilleshaw431 Nursery Rd Ste C800, Spring, TX 77380(281) 351-5456View |
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7.23 miCommunity Insurance Associates26009 Budde Rd Ste A400, Spring, TX 77380(281) 367-2886View |
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7.23 miGoosehead Insurance - Chris Allen26203 Oak Ridge Dr Ste 19, Spring, TX 77380(832) 515-4418View |
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7.23 miStone Insurance Group26202 Oak Ridge Dr Ste A206, Spring, TX 77380(832) 403-2066View |
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7.23 miAABC Affordable Insurance3 Grogans Park Dr, Spring, TX 77380(281) 440-7283View |
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7.23 miHambrick Insurance Agency3 Grogans Park Dr Ste 202, Spring, TX 77380(281) 651-2762View |
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7.23 miTWFG Insurance Services - Betty Almirante26119 Interstate 45 Ste 211, Spring, TX 77380(281) 419-0880View |
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7.23 miTWFG Insurance Services - Samuel Sharp26119 Interstate 45 Ste 201, Spring, TX 77380(281) 528-7811View |
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7.23 miTWFG Insurance Services - Ali Ghazizadeh3 Grogans Park Dr Ste 210, Spring, TX 77380(281) 651-5198View |
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7.23 miMcKenzie Shoaf25214 Grogans Park Dr, Spring, TX 77380(281) 363-3711View |
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7.23 miRocio Barajas25919 I-45n Ste D, Spring, TX 77380(713) 960-2244View |
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7.23 miKaren Ehlers Insurance Agency25511 Budde Rd Ste 2602, Spring, TX 77380(281) 719-0059View |
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7.23 miThe Nitsche Group25806 Oak Ridge Dr, Spring, TX 77380(281) 362-8550View |
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7.23 miRoger Knight25775 Oak Ridge Dr Ste 100, Spring, TX 77380(281) 364-0161View |
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7.23 miMellisa Ray Agency25903 Interstate 45 N, Spring, TX 77380(281) 364-9994View |
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7.23 miMike Diaz25329 Budde Rd Ste 101, Spring, TX 77380(281) 404-1883View |
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7.23 miSIG - F&M Insurance Group25329 Budde Rd, Spring, TX 77380(832) 299-1520View |
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7.23 miAl Stahl Insurance719 Sawdust Rd Ste 343, Spring, TX 77380(281) 363-5708View |
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7.23 miLeonard Amell719 Sawdust Rd Ste 103, Spring, TX 77380(832) 299-6640View |
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7.23 miASD Insurance Agency719 Sawdust Rd Ste 216, Spring, TX 77380(281) 367-6637View |
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7.23 miMetLife Auto & Home719 Sawdust Rd Ste 310, Spring, TX 77380(281) 292-4199View |
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7.23 miRandy Plachy719 Sawdust Rd Ste 213, Spring, TX 77380(281) 367-5322View |
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7.23 miJohnnie Roberts25303 I-45, Spring, TX 77380(832) 482-3530View |
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7.23 miTWFG Insurance Services - Ana Canales25301 Borough Park Dr Ste 109, Spring, TX 77380(281) 419-1808View |
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7.23 miTWFG Insurance Services - Robert Ortiz25301 Borough Park Dr Ste 118, Spring, TX 77380(936) 697-1463View |
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7.23 miBJ Integra Insurance Services25301 Borough Park Dr Ste 204, Spring, TX 77380(832) 688-8255View |
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7.23 miJackson Integra Insurance Services25301 Borough Park Dr Ste 204, Spring, TX 77380(936) 242-4334View |
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7.23 miJared Moore Jr.16610 I45 Ste 218, Spring, TX 77380(281) 367-8899View |
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7.23 miCHS Insurance Services25025 N I-45 Freeway Suite 525, Spring, TX 77380(832) 482-4730View |
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7.23 miAAA Truck Agency Corporation25303 Ih 45 N, Spring, TX 77380(281) 367-9493View |
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7.23 miPremier Group Insurance - Marcus Tolar25307 I-45 Woodpark Business Park Building 4, Spring, TX 77380(832) 454-7117View |
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7.23 miRobert Locke IV25325 Interstate 45 Ste C, Spring, TX 77380(281) 288-6000View |
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8.26 miMoore Insurance Agency7627 Ikes Pond Dr, Spring, TX 77389(713) 389-5919View |
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8.26 miGoosehead Insurance - Danny Raymond22632 Kuykendahl Rd Ste B, Spring, TX 77389(281) 378-4840View |
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8.26 miGerrard Insurance & Financial18 Augusta Pines Dr Ste 150e, Spring, TX 77389(281) 880-9626View |
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8.26 miMy Insurance Choice18 Augusta Pines Dr, Spring, TX 77389(281) 825-3755View |
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8.26 miIsaac Segovia5706 Root Rd Ste 4, Spring, TX 77389(281) 288-3926View |
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8.26 miRussell Lee Olson23003 Pampas St, Spring, TX 77389(281) 379-1495View |
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8.26 miUS Insurance Source22327 Gosling Rd, Spring, TX 77389(800) 869-7101View |
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8.26 miJeanna Wendt22323 Gosling Rd, Spring, TX 77389(281) 353-3005View |
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8.26 miRebecca Bryant3332 Spring Stuebner Rd Ste C, Spring, TX 77389(281) 528-1616View |
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9.08 miSajid Bajwa7109 Fm 2920 Rd Ste 500, Spring, TX 77379(832) 639-8173View |
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9.08 miZone Insurance17538 Kuykendahl Rd, Spring, TX 77379(281) 719-0321View |
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9.08 miGloria's Multiservices17708 Kuykendahl Rd, Spring, TX 77379(281) 907-7690View |
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9.08 miRusty Von Sternber17907 Kuykendahl Rd Ste 204, Spring, TX 77379(281) 444-5412View |
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9.08 miBrooke Franks18478 Kuykendahl Rd, Spring, TX 77379(832) 791-2251View |
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9.08 miJose Hernandez4919 Louetta Rd, Spring, TX 77379(281) 370-1630View |
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9.08 miSpearhead Insurance18311 Strack Dr, Spring, TX 77379(713) 275-2784View |
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9.08 miRenee Khalil5258 Louetta Rd Ste 172, Spring, TX 77379(713) 590-1300View |
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9.08 miTheiss Insurance Agency5202 Spring Cypress Rd, Spring, TX 77379(281) 376-4263View |
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9.08 miAllstate Insurance - Steven J. Toman Agency5515 Louetta Rd Ste B, Spring, TX 77379(281) 376-7331View |
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9.08 miLaVonda Fletcher Insurance Agency5529 Louetta Rd Ste A, Spring, TX 77379(281) 350-4800View |
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9.08 miRobin Griffith5511 Louetta Rd Ste A, Spring, TX 77379(281) 376-5511View |
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9.08 miGoosehead Insurance - Aaron Cabrera5527 Louetta Rd Ste C, Spring, TX 77379(281) 845-8980View |
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9.08 miGoosehead Insurance - Lori Alba5527 Louetta Rd Ste C-d, Spring, TX 77379(512) 602-3950View |
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9.08 miBrook Beasley21021 Spring Brook Plaza Dr Ste 130, Spring, TX 77379(281) 257-0799View |
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9.08 miTammy Wicker21021 Spring Brook Plaza Dr Ste 230, Spring, TX 77379(281) 807-6400View |
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9.08 miBrian Garner6455 Fm 2920 Rd, Spring, TX 77379(281) 320-0677View |
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9.08 miRivet Coy6215 Spring Cypress Rd, Spring, TX 77379(281) 440-0000View |
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9.08 miNoah Labauve6619 Fm 2920 Rd, Spring, TX 77379(832) 761-7500View |
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9.08 miRandy Harris6402 Louetta Rd Ste 130, Spring, TX 77379(832) 559-5600View |
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9.08 miLuis Lopez6450 Louetta Rd Ste 150, Spring, TX 77379(832) 559-3849View |
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9.08 miWilliams Insurance17010 Seven Pines Dr, Spring, TX 77379(832) 648-3600View |
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9.08 miWilliams Insurance Group17010 Seven Pines Dr Ste 200, Spring, TX 77379(832) 296-0846View |
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9.08 miSpring Insurance Agency6605 Cypresswood Dr Ste 400, Spring, TX 77379(281) 370-6064View |
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9.08 miKerry Stuckey6605 Cypresswood Dr Ste 175, Spring, TX 77379(281) 376-5657View |
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9.08 miInstex Insurance Agency6605 Cypresswood Dr Ste 400, Spring, TX 77379(713) 864-1615View |
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9.08 miJean Guillory6605 Cypresswood Dr Ste 225, Spring, TX 77379(281) 251-4950View |
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9.08 miIscential Insurance17018 Seven Pines Dr Ste 400, Spring, TX 77379(281) 677-9515View |
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9.08 miTWFG Insurance Services - Russell Knapp17018 Seven Pines Dr Ste 200, Spring, TX 77379(281) 466-1310View |
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9.08 miFair Deal Insurance7110 Louetta Rd Ste F, Spring, TX 77379(281) 826-0500View |
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9.08 miRonald Wilson7135 Louetta Rd Ste V1, Spring, TX 77379(281) 320-2890View |
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9.08 miLee McLeod16000 Stuebner Airline Rd Ste 350, Spring, TX 77379(281) 320-2977View |
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9.08 miJay Ahmadi16000 Stuebner Airline Rd Ste 265, Spring, TX 77379(281) 357-9999View |
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9.08 miTWFG Insurance Services - Jeff Howard16422 Stuebner Airline Rd Ste 121, Spring, TX 77379(832) 392-4863View |
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9.08 miJesse Harrell16738a Stuebner Airline Rd, Spring, TX 77379(281) 376-4978View |
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9.08 miAbby LawsonStuebner Airline Rd, Spring, TX 77379(281) 882-3623View |
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9.08 miRandy Reeves7702 Louetta Rd, Spring, TX 77379(281) 370-1700View |
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9.08 miJason Coroneos7766 Louetta Rd, Spring, TX 77379(281) 370-0066View |
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9.08 miDayna Wilson8116 Spring Cypress Rd, Spring, TX 77379(832) 761-7690View |
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9.08 miDennis Huffman16419 Fox Crossing Ln, Spring, TX 77379(281) 370-8400View |
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9.08 miJimmy Davenport8220 Louetta Rd Ste 164, Spring, TX 77379(281) 251-4949View |
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9.08 miAAA Insurance8765 Spring Cypress Rd Ste D, Spring, TX 77379(281) 257-5730View |
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9.08 miHairston & Associates Insurance Services8765 Spring Cypress Rd Ste L, Spring, TX 77379(281) 257-0252View |
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9.08 miLarry Jones8623 Louetta Rd, Spring, TX 77379(281) 376-1933View |
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9.08 miDavid Reid8900 Eastloch Dr, Spring, TX 77379(281) 370-3330View |
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9.08 miRandall Rubeis8900 Eastloch Dr Ste 100, Spring, TX 77379(281) 430-3215View |
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9.08 miGibraltar Insurance Services8817 Louetta Rd, Spring, TX 77379(281) 866-8098View |
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9.08 miDeepa Krishan9222 Louetta Rd, Spring, TX 77379(281) 624-4100View |
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9.08 miMark Francis9337 Spring Cypress Rd Ste B2, Spring, TX 77379(281) 655-5515View |
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9.08 miGreg Sherlock8500 Cypresswood Dr Ste 103, Spring, TX 77379(832) 843-6399View |
Learn More About Car Insurance in Spring, 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.