Cheapest Full Coverage Car Insurance In Texas – Whether you’re stuck in a traffic jam in Austin, trying to join Houston, or just passing through the Dallas/Fort Worth area, Texans rely on private vehicles. With a car comes the responsibility of carrying car insurance, as drivers are legally required to carry a minimum liability. Every driver in Texas wants to be protected but doesn’t want to pay extra for their coverage. Here are the 10 cities in Texas with the cheapest car insurance options based on our state’s most populated cities:

*Method of Grant Coverage: Based on the most popular zip codes in each county, female drivers, married, age 25-64, average credit score, drive 18,000+ miles per year. Caused an accident or received a speeding ticket in the past 3 years.

Cheapest Full Coverage Car Insurance In Texas

Cheapest Full Coverage Car Insurance In Texas

As you can see, drivers in Lubbock, TX are the best because they have the lowest fees. Conversely, drivers in Houston, TX and Corpus Christi, TX can expect to pay less than most metro areas in the Lone Star State. No matter where you live, drivers need coverage and can use a variety of methods to save on car insurance premiums.

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As we’ve seen, residents of Lubbock, Austin, El Paso, Colorado, and Fort Worth, Texas enjoy some of the cheapest car insurance rates in the state, but which carriers offer the best rates among these cities? Whether you just want to be legal or want to cover your car in full, here’s a breakdown of the best motorist insurance brands available:

Drivers may be surprised to learn that there are many ways to save on car insurance policies. Everything from driving safely to being a student can help drivers save more on coverage. Not all discounts will suit your needs, but the good news is that there are many ways to get car insurance discounts, and by talking to your agent, you can be sure to find a way to save. Check out some popular savings opportunities for drivers in Texas:

Different car insurance brands offer different discounts. You’ll notice that different discounts apply to different areas. Either way, the team at TGS Insurance is ready to help you get the right discount on your car insurance, starting with a free quote today!

Car insurance protects you from the many dangers that drivers face on the roads. It can keep you out of legal trouble, protect you from liability and recover damages after an accident, but that doesn’t mean you have to pay extra for great coverage. At TGS Insurance, we believe in finding the best coverage for our customers’ needs at the most affordable prices.

How Much Is Car Insurance?

Texas drivers save an average of $237 per year when they switch to TGS insurance. We can help you find the best coverage at the lowest price by comparison shopping for your car insurance policy among our 35+ premium insurance providers. Get started with free auto insurance today! Cover Cat found Acuity to have the cheapest car insurance, with an average premium of about $36 per month. The average Texan pays $87 a month for auto insurance, or $044 a year, while with an Acuity policy, the average Texan pays just $432 a year, saving them $612 a year.

While it may be tempting to go straight to the “cheapest” carrier for your insurance, how much you pay for car insurance depends on thousands of factors, from your zip code and age to the type of coverage you buy and the car you drive.

Arguably, the most frustrating part of buying car insurance is that it’s impossible to determine how much it will cost without getting a quote.

Cheapest Full Coverage Car Insurance In Texas

At Coverage Cat, we use data collected from millions of real auto insurance quotes to guide you in the right direction.

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Get quotes from smaller companies. Whether you drive a Ford F-150 or a Toyota Camry, small companies like Mercury, Clearcover and Peel offer the best insurance rates in Texas. Acuity, Gainsco and Dairyland are also low options for auto insurance in Texas.

If you don’t want to submit a quote request to each of these companies, ask us for a quote – we can find the best insurance policy for you at dozens of insurance companies. We’re hassle-free, no phone calls, minimal emailing – and save you time (and usually money).

We compiled the data and wrote this guide to help people make smart money choices based on real data and sound advice (not conventional wisdom).

Finding the best deal on Texas auto insurance isn’t easy because rates and eligibility vary from person to person, and insurance companies can’t tell you the cost difference.

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For a deeper dive into how we come up with our recommendations, read: Our methodology, why you should trust us, and our editorial note.

Caveats: This data, which reflects the insurance quotes provided by other drivers, may be particularly relevant to you. The data presented here is intended to give you an estimate of your potential costs and is not a quote.

I’m Max Cho, licensed insurance agent and founder/CEO of Coverage Cat. I first started getting insurance and finding out how to use and buy it effectively over 15 years ago when an injury caused me to lose two teeth. These experiences inspired me to start Coverage Cat as a way for people to discover transparent pricing data about insurance and make better choices with that information. I want all Americans to have reasonable coverage at reasonable prices, avoiding overpaying for expensive insurance they don’t need.

Cheapest Full Coverage Car Insurance In Texas

Prior to founding Coverage Cat and becoming a licensed insurance agent, I spent the past decade working in quantitative roles at Google, Two Sigma, and Microsoft.

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For this guide, we’ve created a unique database of tens of thousands of auto insurance quotes from public data. When you try our insurance quoting system, we use this data and more to match cat owners with the best insurance coverage for their needs.

To determine our top picks, CoverageCat pulled over 76,000 quotes for Texas drivers. Within this dataset, we represented drivers aged 16-70, drivers aged 15 and a variety of makeups.

By using thousands of citations, we can better understand the available data and use data models to provide a proxy for randomly generated Texas drivers.

To compare insurance prices, we chose to exclude carriers with prices below 1,000 to prevent an unbalanced comparison. Internally, we use this data and others to match cat owners with the best insurance coverage for their needs.

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Our database is constantly updated and delivered to you in real time. The specific numbers in this article may differ slightly from the latest data in the graph above.

Coverage Cat found that Progressive had the lowest premiums for young TX drivers in their 20s and 30s, at about $108 per month. For young drivers, especially those under the age of 25, insurance rates are significantly higher because the risk of an accident is higher. The average Texan in their 20s and 30s pays $248 a month ($2,976 a year) for auto insurance, and a more impressive $1,680 if you buy a cheaper advanced policy.

Coverage Cat found that Progressive had the lowest rates for TX drivers in their 60s and 70s, at about $75 per month. While car insurance rates drop after age 30, they start to rise again for older drivers due to increased risk. In Texas, we found that Texans between the ages of 60 and 70 pay $105 per month for car insurance. But those rates range widely, with the average Texan saving $60 to $1,788 compared to the most expensive policy.

Cheapest Full Coverage Car Insurance In Texas

For new cars, Coverage Cat found Clearcover and Progressive to have the cheapest car insurance, with premiums of $151 per month. Newer cars are generally more expensive than older cars because the cost of repairing or replacing them is higher than older cars. The cost of the most expensive carrier for new drivers in Texas is about $3, $276/year, which means Advanced and Clearcover customers can save $464 per year.

Texas Cheap Car Insurance

Coverage Cat found that for older cars, Clearcover & Progressive got the best cheap car insurance, at about $124 a month for a 5-year-old car and $80 a month for a 10-year-old car. As cars age and depreciate, insurance companies pay less for repairs or replacements, so it’s important to reassess your insurance needs, including whether you should purchase comprehensive or collision coverage.

For female drivers in Texas, the average monthly minimum wage at Progressive was $94/month. Coverage Cat found that female drivers in Texas pay less than male drivers, paying an average of $118 per month. While this is just $1 a month (or $12 a year)

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