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

Save up to 50% on your Car Insurance
See how affordable remarkable customer service can be.
100% secure. We respect your privacy.
Home » Car insurance » Texas » Cheap Car Insurance Stephenville

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.
Jump to Topic:

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

Get a free quote from the best of 200+ companies in 90 seconds.

Find affordable car insurance in your city

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Insurance Agents in Stephenville, TX and Near by

  • 0 mi
    Mailyn Baskett
    155 N Graham St Ste 102, Stephenville, TX 76401
    (254) 918-2020
    View |
  • 0 mi
    Stephanie Hutchison
    160 E Mason St Ste 102, Stephenville, TX 76401
    (254) 968-6801
    View |
  • 0 mi
    Lone Star Insurance
    250 W College St, Stephenville, TX 76401
    (254) 965-5330
    View |
  • 0 mi
    Fraser Agency
    375 W Washington St, Stephenville, TX 76401
    (254) 965-3155
    View |
  • 0 mi
    Lindy Boyd
    925 N Graham St, Stephenville, TX 76401
    (254) 965-5034
    View |
  • 0 mi
    SIG - Ridge T Agency
    140 W South Loop, Stephenville, TX 76401
    (254) 965-6722
    View |
  • 0 mi
    Henry Insurance Agency
    1359 W South Loop Ste D, Stephenville, TX 76401
    (254) 968-7038
    View |
  • 0 mi
    Kannonball Insurance Solutins
    805 Wind Song, Stephenville, TX 76401
    (254) 434-9468
    View |
  • 0 mi
    Low Cost Insurance
    1917 W Washington St, Stephenville, TX 76401
    (254) 918-5524
    View |
  • 0 mi
    Texas Farm Bureau Insurance
    1735 W South Loop, Stephenville, TX 76401
    (254) 965-7861
    View |
  • 0 mi
    David Kincannon
    251 N Harbin Dr, Stephenville, TX 76401
    (254) 968-6011
    View |
  • 0 mi
    Cowboy Capital Insurance
    2155 W South Loop, Stephenville, TX 76401
    (254) 918-5560
    View |
  • 0 mi
    Casey Cumby
    2175 W South Loop Ste A, Stephenville, TX 76401
    (254) 965-5623
    View |
  • 0 mi
    BC Insurance of Texas
    2155 W South Loop, Stephenville, TX 76401
    (254) 965-2839
    View |
  • 0 mi
    Loyaltee Insurance Agency
    1529 W Lingleville Rd Ste B, Stephenville, TX 76401
    (254) 918-1111
    View |
  • 0 mi
    Vernon Sweeney
    2180 W South Loop Ste 9, Stephenville, TX 76401
    (254) 968-5204
    View |
  • 0 mi
    Shane Oliver
    2301 W South Loop Ste A, Stephenville, TX 76401
    (254) 965-8819
    View |
  • 0 mi
    The Patterson Agency
    2720 W Washington St, Stephenville, TX 76401
    (254) 965-7803
    View |
View all agents ↓

Learn More About Car Insurance in Stephenville, 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.