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 White Oak, TX and Near by
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0 miTWFG Insurance Services - Robyn Kay1001 S White Oak Rd, White Oak, TX 75693(903) 759-5244View |
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0 miShipman Insurance Agency301 W Us Highway 80, White Oak, TX 75693(903) 297-4456View |
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0 miGrant Malone206 E Us Highway 80 Ste A, White Oak, TX 75693(903) 295-0096View |
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2.51 miCharlene Ingram801 Pine Tree Rd, Longview, TX 75604(903) 247-0393View |
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2.51 miSteve Horton Insurance Agency3315 Gilmer Rd, Longview, TX 75604(903) 295-3450View |
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2.51 miMarseline Soto4010 W Marshall Ave, Longview, TX 75604(430) 201-0553View |
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2.51 miGrubbs Insurance Agency3549 Gilmer Rd Ste C, Longview, TX 75604(903) 297-8866View |
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2.51 miRichard Longacre512 Pine Tree Rd, Longview, TX 75604(903) 297-5500View |
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2.51 miLeon Martin Insurance Agency3108 Gilmer Rd, Longview, TX 75604(903) 297-5766View |
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2.51 miGinny Gould3106 Gilmer Rd, Longview, TX 75604(903) 759-8888View |
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2.51 miJohn Durden123 Gilmer Rd Ste 1, Longview, TX 75604(903) 753-1641View |
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2.51 miMallori Pace411 Gilmer Rd, Longview, TX 75604(903) 757-2500View |
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2.51 miSimeon Whitten413 Gilmer Rd, Longview, TX 75604(903) 758-6355View |
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2.51 miLinda Fullman901 Gilmer Rd, Longview, TX 75604(903) 297-8600View |
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2.51 miRick Grisham2393 H G Mosley Pkwy Ste 101 Bldg 3, Longview, TX 75604(903) 759-6962View |
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2.51 miPremier Group Insurance - Craig Farrow1400 W Loop 281, Longview, TX 75604(469) 617-7200View |
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2.51 miDennis Baker2643 Bill Owens Pkwy, Longview, TX 75604(903) 759-9366View |
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2.51 miJacob Grubbs916 W Loop 281 Ste 100, Longview, TX 75604(903) 758-4141View |
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2.51 miAutopartners Insurance Agency1620 W Loop 281, Longview, TX 75604(903) 753-9800View |
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2.51 miKevin Ray1011 W Loop 281 Ste 1, Longview, TX 75604(903) 247-7722View |
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2.51 miLamas Insurance Agency1421 W Loop 281 Ste B, Longview, TX 75604(903) 297-2886View |
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2.51 miCopeland Group USA1203 W Loop 281 Ste A, Longview, TX 75604(903) 295-4300View |
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2.51 miDaniel Manchack1015 W Loop 281 Ste 3, Longview, TX 75604(903) 234-9473View |
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2.51 miFrank Buchanan3200 W Marshall Ave, Longview, TX 75604(903) 759-2771View |
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2.51 miMonica Martinez915 W Loop 281 Ste 102, Longview, TX 75604(903) 297-4994View |
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2.51 miMichael Smith913 W Loop 281 Ste 122, Longview, TX 75604(903) 297-2000View |
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2.51 miTexas Farm Bureau Insurance1503 W Loop 281, Longview, TX 75604(903) 757-5797View |
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2.51 miABC Insurance of Arlington2010 Gilmer Rd Ste 110, Longview, TX 75604(903) 686-1222View |
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2.51 miTrenton Werth2010 Gilmer Rd Ste 108, Longview, TX 75604(903) 452-1977View |
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2.51 miAllstate Insurance Agency - Scott Bowles2010 Gilmer Rd Ste 108, Longview, TX 75604(903) 759-3366View |
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2.51 miA-Max Auto Insurance2139 Gilmer Rd, Longview, TX 75604(903) 759-7000View |
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2.51 miRonald Atchley2119 Gilmer Rd, Longview, TX 75604(903) 297-0048View |
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2.51 miAnna Rodriguez2705 Gilmer Rd, Longview, TX 75604(903) 213-4350View |
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2.51 miWatkins Insurance Group3000 Gilmer Rd Ste 103, Longview, TX 75604(903) 297-6787View |
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2.51 miGoosehead Insurance - Maranda Hodges & David Wolfe3002 Gilmer Rd Ste 6, Longview, TX 75604(903) 576-7994View |
Learn More About Car Insurance in White Oak, 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.