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 Wichita Falls

Cheap Car Insurance in Wichita Falls

Lowest Premium

$296 / YEAR

Average Premium

$470 / YEAR

Highest Premium

$729 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Wichita Falls is around $470 and can go upto $729. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

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 Cheap Car Insurance Quotes in Your Area

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.

Car Insurance Rates in Wichita Falls by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Wichita Falls. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
76301$466
76302$454
76305$483
76306$463
76308$472
76309$468
76310$474

Insurance Agents in Wichita Falls, TX and Near by

Agents by ZIP code:
  • 0 mi
    Jerri Thomas
    701 Scott Ave, Wichita Falls, TX 76301
    (940) 687-5365
  • 0 mi
    Boley-Featherston Insurance
    701 Lamar St, Wichita Falls, TX 76301
    (940) 723-7111
  • 0 mi
    Rebecca Raeke
    823 Travis St, Wichita Falls, TX 76301
    (940) 687-1625
  • 0 mi
    Whitmire-Integra Insurance Services
    503 8th St, Wichita Falls, TX 76301
    (940) 723-1491
  • 0 mi
    Barnard Insurance Agency
    1100 8th St, Wichita Falls, TX 76301
    (940) 723-0977
  • 0 mi
    Higginbotham - Allred-Thompson-Mason-Daugherty
    1300 10th St, Wichita Falls, TX 76301
    (940) 723-0771
  • 0 mi
    William Waddle
    1700 9th St, Wichita Falls, TX 76301
    (940) 322-2860
  • 0 mi
    Union Square Insurance Agency
    1401 Holliday St, Wichita Falls, TX 76301
    (866) 397-7995
  • 0 mi
    Morris Stone
    2106 9th St, Wichita Falls, TX 76301
    (940) 322-2241
  • 0 mi
    Ray Esparza
    2405 9th St, Wichita Falls, TX 76301
    (940) 766-0472
  • 0 mi
    Tracey Denson
    2207 Brook Ave, Wichita Falls, TX 76301
    (940) 689-0044
  • 0 mi
    Donald Cowman
    2014 Kell Blvd Ste A, Wichita Falls, TX 76301
    (940) 691-2768
  • 0 mi
    Billy Hudson
    2511 Brook Ave, Wichita Falls, TX 76301
    (940) 264-6464
  • 2.91 mi
    Bryan Belgard
    1505 Southwest Pkwy Ste 104, Wichita Falls, TX 76302
    (940) 264-1234
  • 2.91 mi
    All American Insurance Services of Texas
    1501 Midwestern Pkwy Ste 111, Wichita Falls, TX 76302
    (940) 689-9010
  • 2.91 mi
    Brian Anderle
    1501 Midwestern Pkwy Ste 104, Wichita Falls, TX 76302
    (940) 720-0200
  • 3.73 mi
    Mary Aranda
    1315 Kemp Blvd, Wichita Falls, TX 76309
    (940) 767-4663
  • 3.73 mi
    Mark Inman Insurance Agency
    1401 Kemp Blvd, Wichita Falls, TX 76309
    (940) 322-2800
  • 3.73 mi
    Kenneth French
    1607 Kemp Blvd, Wichita Falls, TX 76309
    (940) 766-2310
  • 3.73 mi
    An American Insurance Agency
    1712 Kemp Blvd, Wichita Falls, TX 76309
    (940) 322-3122
  • 3.73 mi
    Pond Insurance Agency
    2101 Kemp Blvd, Wichita Falls, TX 76309
    (940) 723-4567
  • 3.73 mi
    Fred Haley Insurance
    2501 Kemp Blvd, Wichita Falls, TX 76309
    (940) 767-8986
  • 3.73 mi
    Serge Sonsini Insurance Agency
    2501 Kemp Blvd, Wichita Falls, TX 76309
    (940) 692-8341
  • 3.73 mi
    Tim Short
    2608 Kemp Blvd Ste B, Wichita Falls, TX 76309
    (940) 766-0159
  • 3.73 mi
    John Lee Stoiloff
    3704 Kell Blvd, Wichita Falls, TX 76309
    (940) 687-2193
  • 3.73 mi
    Amaryllis Mullins
    4210 Kell Blvd Ste 106, Wichita Falls, TX 76309
    (940) 692-4000
  • 3.73 mi
    AC Insurance
    2720 Old Iowa Park Rd, Wichita Falls, TX 76306
    (940) 723-7554
  • 5.06 mi
    Dora Insurance Agency
    602 Royal Rd, Wichita Falls, TX 76308
    (940) 687-3672
  • 5.06 mi
    Strategic Insurance Services
    4822 Kemp Blvd Ste 700, Wichita Falls, TX 76308
    (940) 322-8400
  • 5.06 mi
    Darrel Walker
    2500 Shepherds Gln, Wichita Falls, TX 76308
    (940) 691-5050
  • 5.06 mi
    Julee Loera
    4704 K Mart Dr, Wichita Falls, TX 76308
    (940) 696-2880
  • 5.06 mi
    Hallmark Group Insurance Agency
    2909 Lydia Dr, Wichita Falls, TX 76308
    (940) 692-2223
  • 5.06 mi
    Cheryl Botkin
    2925 Southwest Pkwy Ste A, Wichita Falls, TX 76308
    (940) 689-0055
  • 5.06 mi
    TWFG Insurance Services - Thai Hoang
    3100 Kemp Blvd Ste A, Wichita Falls, TX 76308
    (940) 691-0042
  • 5.06 mi
    Autopartners Insurance Agency
    3401 Kemp Blvd, Wichita Falls, TX 76308
    (940) 322-0500
  • 5.06 mi
    Alan Donaldson
    2301 Midwestern Pkwy Ste 114, Wichita Falls, TX 76308
    (940) 264-5602
  • 5.06 mi
    Tyler Wetzel
    2700 Midwestern Pkwy Ste A, Wichita Falls, TX 76308
    (940) 386-9578
  • 5.06 mi
    Louis Vann
    3907 Kell Blvd Ste A, Wichita Falls, TX 76308
    (940) 692-3821
  • 5.06 mi
    Acceptance Auto Insurance
    4022 Kemp Blvd, Wichita Falls, TX 76308
    (940) 689-8287
  • 5.06 mi
    Pulley Insurance
    3415 Mcniel Ave Ste 104, Wichita Falls, TX 76308
    (940) 692-3999
  • 5.06 mi
    Holub Insurance Agency
    4001 Featherston Ave, Wichita Falls, TX 76308
    (940) 691-1053
  • 5.06 mi
    Doug Chaney
    3915 Call Field Rd, Wichita Falls, TX 76308
    (940) 692-7691
  • 5.06 mi
    Mike Morris
    4004 Call Field Road, Wichita Falls, TX 76308
    (940) 692-5435
  • 5.06 mi
    Affordable Insurance
    4204 Idlewood Dr, Wichita Falls, TX 76308
    (940) 704-4042
  • 5.06 mi
    Gene Linton
    4410 Kemp Blvd Ste C, Wichita Falls, TX 76308
    (940) 691-0611
  • 5.06 mi
    Eric Simpson
    4504 Kemp Blvd, Wichita Falls, TX 76308
    (940) 692-0816
  • 5.06 mi
    Tom Richeson
    4304 Fairway Blvd, Wichita Falls, TX 76308
    (940) 691-3169
  • 5.06 mi
    Morris Insurance Agency
    4511 Southwest Pkwy, Wichita Falls, TX 76308
    (940) 696-1199
  • 5.06 mi
    Stephen Catlin
    4513 Southwest Pkwy, Wichita Falls, TX 76308
    (940) 696-3276
  • 7.6 mi
    Donna Adams
    4601 Kell Blvd, Wichita Falls, TX 76310
    (940) 696-8711
  • 7.6 mi
    Mindy Anderle
    4601 Kell Blvd, Wichita Falls, TX 76310
    (940) 691-6262
  • 7.6 mi
    Kelly Ho-Montoya Insurance Group
    4705 Fairway Blvd, Wichita Falls, TX 76310
    (940) 264-2644
View all agents ↓

Learn More About Car Insurance in Wichita Falls, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

https://www.thezebra.com/insurance-news/3698/car-insurance-cover-out-of-state/

References

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.