Cheap Car Insurance in Sulphur Springs, Texas ( With 2024 Rates)

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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.

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 Sulphur Springs, TX and Near by

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Tully Insurance Agency

109 Jefferson St E, Sulphur Springs, TX 75482

(903) 439-3286

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Harper Insurance Agency

120 Jefferson St E, Sulphur Springs, TX 75482

(903) 885-8465

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Galyean Insurance Agency

227 Connally St, Sulphur Springs, TX 75482

(903) 885-6547

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Texas Farm Bureau Insurance

233 College St, Sulphur Springs, TX 75482

(903) 885-6561

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Baucom Insurance Services

122 Main St, Sulphur Springs, TX 75482

(903) 885-9557

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Dana Hodges

108 Gilmer St, Sulphur Springs, TX 75482

(903) 438-8000

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Jeffrey Clemmons

319 Main St, Sulphur Springs, TX 75482

(903) 885-0500

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Giles Insurance Agency

233 Davis St S, Sulphur Springs, TX 75482

(903) 885-3021

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Gene Dixon Jr

322 Gilmer St, Sulphur Springs, TX 75482

(903) 885-6020

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Larry Moore

1030 Gilmer St, Sulphur Springs, TX 75482

(903) 885-8686

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Connect Insurance Agency

101 Bill Bradford Ste 25, Sulphur Springs, TX 75482

(903) 335-8898

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Mattison Insurance Agency

101 Bill Bradford Ste 5, Sulphur Springs, TX 75482

(903) 439-3101

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A A Auto Insurance Agency

1067 Gilmer St Ste C, Sulphur Springs, TX 75482

(903) 885-0501

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John Berning

1217 S Broadway St Ste L, Sulphur Springs, TX 75482

(903) 885-9607

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Bear Littleton

1769 Westwood Dr, Sulphur Springs, TX 75482

(903) 885-8900

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Gloria Mitchell Insurance Agency

478 County Road 1211, Sulphur Springs, TX 75482

(903) 438-2048

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Learn More About Car Insurance in Sulphur Springs, 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.

Cheap Car Insurance in Sulphur Springs, Texas (With 2024 Rates)