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Auto Insurance in Texas
The Lone Star State, Texas, boasts diverse landscapes and a rich cultural legacy. Its unique
natural splendors are worth exploring, from the vast plains of the Panhandle to the untamed
beauty of the Hill Country and the sandy coasts of the Gulf Coast. However, you must have
adequate Texas car insurance coverage to travel without worries.
Luckily, CINCO helps you
find an extensive range of the cheapest auto insurance in Texas, ensuring reliable coverage
for everybody. Our agents strive to find tailored coverage options that fulfill your needs
and preferences. Get your first free quote at our website today!
Why Do I Need Auto Insurance in Texas?
Having minimum liability insurance ensures you comply with state guidelines, as auto insurance is legally required to drive in Texas.
If you are in an accident, your insurance covers for repair and replacement costs and medical expenses.
Liability insurance pays for the affected party's damages if you are at fault in an accident.
If an uninsured or underinsured driver hits you, your insurance can help you with the damage costs.
Auto insurance provides peace of mind while driving on Texas roads, knowing you are covered in case of an unforeseen situation.
How Much Does Car Insurance Cost In Texas?
According to our data, the average Texan pays $119 per month, or $1,429 per year, for minimum liability protection, whereas full coverage insurance options typically cost $192 or $2,305 annually. Here are some factors that insurers may consider when deciding your premium:
Compare Auto Insurance Rates Across Key Texas Cities
Below are the average yearly auto insurance quotes for various cities in Texas. However, you should know that auto insurance rates are subject to change due to the individual circumstances of each policyholder. The average auto insurance estimates from different cities in Texas are listed below, based on factors such as location and crime rate.
City Name
Average Yearly Auto Insurance Rates
Houston
$1,998
San Antonio
$1,769
Dallas
$1,927
Austin
$1,635
Fort Worth
$1,718
El Paso
$1,594
Arlington
$1,754
Corpus Christi
$1,604
Plano
$1,693
Lubbock
$1,805
What Discounts Can I Get For Car Insurance In Texas?
The simplest way to get the cheapest car insurance without compromising coverage is to look for relevant discounts. Every insurance company offers some level of discount to their customers, ensuring satisfaction and affordability. If you need help locating relevant discounts, many insurance agents can assist you. Here are some discount options:
Discount Type
Description
Multi-Car Discount
You can receive a discount for insuring multiple vehicles with the same car insurance company.
Safe Driver Discount
It is awarded to drivers with a clean driving record and no accidents, speeding tickets, or violations for a specific period.
Good Student Discount
Offers reduced premiums for students who maintain a certain grade point average, demonstrating responsibility.
Defensive Driving Course Discount
Provides a discount to those who have completed an approved defensive driving course.
Anti-Theft Device Discount
This discount offers lower rates for vehicles with anti-theft devices that reduce theft risk.
Low Mileage Discount
Available to drivers who maintain low annual mileage, indicating less road time and lower risk of accidents.
Military Discount
Special discounts are offered to active, reservist, or veteran military personnel as appreciation for their service.
Senior Discount
Senior discounts offer reduced premiums for older drivers who are considered to have more experience and thus have a lower risk profile.
Loyalty Discount
These are discounts offered to customers who have maintained insurance with the same company for several years.
What's The Minimum Car Insurance I Need To Drive In Texas?
In Texas, liability insurance is a legal obligation. Each driver must carry the state-required insurance coverage to avoid penalties and fines. The minimum car insurance requirements in the state, commonly known as the “30/60/25” scheme, states that citizens must carry the following:
-
$30,000 for each person's Bodily Injury Liability (BI)
-
$60,000 for Bodily Injury Liability (BI) in total for one accident
-
$25,000 for Property Damage Liability (PD).
In case you are responsible for an accident, your coverage will pay $60,000 in medical injuries, with a cap of $30,000 per person, and $25,000 will be paid in property damage.
What Types Of Vehicles Can I Insure With CINCO Auto Insurance in Texas?
Car
Whether a luxury car or an economical sedan, our insurance offers tailored coverage options for all car types.
Ride confidently, knowing our comprehensive insurance solutions are there to cover your motorcycle against all odds.
Preserve your classic car’s vintage charm with specialized insurance policies that help maintain its unique value.
Our comprehensive insurance covers your RV, camper, or travel trailer, ensuring you can enjoy your adventures.
Navigate the waters confidently, as our trusted insurance carriers provide comprehensive coverage for your boat.
Explore the outdoors with peace of mind, knowing our insurance secures your off-road vehicle against various risks.
Keep your business running smoothly with our comprehensive insurance tailored for vans, offering essential protection.
Protect your truck with our holistic insurance solutions, covering various risks and ensuring financial security.
What Coverages Can I Get For My Car in Texas?
Liability Coverage
Liability coverage pays for injuries and property damage to others in an accident you caused, including related legal expenses.
Collision Coverage
Collision coverage handles your car's repair or replacement costs after an accident, regardless of fault.
Comprehensive Coverage
Comprehensive coverage protects against non-collision damages like theft, vandalism, and natural disasters.
Personal Injury Protection (PIP)
Personal Injury Protection (PIP) helps cover the medical costs of injuries sustained in a car accident for you and your passengers.
Medical Payments Coverage
Medical Payments Coverage (MedPay) covers medical expenses from car accidents but does not include lost wages.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage pays for your expenses if the at-fault driver lacks adequate insurance.
Gap Insurance
If your car is totaled, gap insurance covers the difference between your loan balance and cash value.
Rental Reimbursement Coverage
Rental Reimbursement Coverage helps with costs for a rental car or public transport while your car is being repaired.
Roadside Assistance
Roadside Assistance provides emergency help if your car breaks down or has traveling issues.
New Car Replacement Coverage
New Car Replacement Coverage helps you buy a new car of the same make and model if your car is totaled soon after purchase.
Why Is CINCO The Best Choice For Car Insurance in Texas?
Excellent Customer Service
Get Free Quotes
Multiple Convenient Locations Near You
Get Discounts
Affordable Premiums
HOW IT WORKS
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WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?
Cashauna Burks
Edward was nice, he put up with me. Keep him, he will help you and negotiate and listen. Good rate
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Best quote I had in the past 3 days lowest quote for real! Quick sign up and rep was super patient and kind while he reviewed everything I really appreciate this.
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I strongly recommend this place they gave me the best deals and worked with me.. Ana is the rite person to go to she will definitely help you.
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I am very satisfied!! Very reasonable price and was done in minutes. I definitely recommend.
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Jenireth was such an amazing help with setting me up with a car insurance. Very affordable prices and great customer service when calling.
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Amanda was very helpful with getting insurance. She searched multiple companies to get me the best rate possible. Great customer service!.
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Great service overall, agents were super helpful. All of our questions were answered and I have to say I do ask a lot of questions. Also, prices are accessible. Win-win. 😊
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Amy is a really sweet lady. She helped me and insured me quick easy and smooth. Great customer service.
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Thank you to aime! Great customer service! Super attentive, great rates! Definitely will be recommending to my family and friends
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Linda.Lucas2974 Lucas
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