TEXAS AUTO INSURANCE
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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.
Motorcycle
Ride confidently, knowing our comprehensive insurance solutions are there to cover your motorcycle against all odds.
Classic Car
Preserve your classic car’s vintage charm with specialized insurance policies that help maintain its unique value.
RV
Our comprehensive insurance covers your RV, camper, or travel trailer, ensuring you can enjoy your adventures.
Boat
Navigate the waters confidently, as our trusted insurance carriers provide comprehensive coverage for your boat.
Off-Road Vehicle
Explore the outdoors with peace of mind, knowing our insurance secures your off-road vehicle against various risks.
Van
Keep your business running smoothly with our comprehensive insurance tailored for vans, offering essential protection.
Truck
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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Look at our wide selection of insurance options designed to protect your most important assets.
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Experience the value of personalized service as our team of auto insurance agents matches you with the ideal insurance plan that prioritizes your needs.
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We help you compare online auto insurance quotes from reputable carriers in Texas to ensure you get the ideal coverage at a price that makes you happy.
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WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?
Angelica Sandoval
Dealing with insurance is stressful enough, so when I contacted them from start to finish I received the best customer service. Ed...
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Katrina Hughes
My experience was great!!! I walked in and spoke with Edward. He helped me find the best quote that fit everything I was looking f...
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Rosy Palacios
Edward is an amazing agent who searched for my best convenience and the most affordable for me. He explained with deep details my ...
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Maria Martinez
I spoke with Evelyn and she was able to promptly give me a great insurance quote. Quick and great customer service, definitely rec...
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Luis Ortuno
100% recommended, just had the opportunity to do the paperwork for my full coverage insurance with Edward over the phone without h...
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Wendy Castillo
Thank you Edward for helping me today! Fast and easy! I originally called just for an estimate but ended up getting my insurance b...
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Jocelyn Adams
My insurance agent Edward was so nice and patient with me he did everything he could to make sure I got great service and he didn�...
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Maria Fernanda
Edward was definitely a huge help! Definitely recommend this company to anyone, they’re very welcoming and transparent!
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Tamekia Owens
Very friendly and fast service… Highly recommended to do business with.
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Myrna Garcia
Edward was very helpful. I loved that he took time to find a great price for my auto insurance, worked with me on the best coverag...
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Jimmey McCullough
They're very helpful, friendly, and have good customer service. I will also recommend them to family and friends.
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Monica Herrera
Best customer service in town! Kind and generous! Love that they charge low prices compared to others.
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Daniel Alvarado
Nataly was a great help. She provided great service and made the sign-up process easy. Definitely recommend coming here.
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Luis Morales
A big shout out to Edward! I have received excellent customer service! Please go look for him! Outstanding agent!
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Eduardo Ruiz
Nataly is a great person; she helped us find great prices on our insurance. This company has really low rates and excellent servic...
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Reyna Arroyo
Samantha was very helpful and quick. She was able to give me a quote and great discounts. Will recommend to my family and friends.
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Cynthia D. Khaled
Edward's customer service skills were excellent and he answered all of my questions.
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Claire Small
Amanda was so professional, sweet, a great listener, and worked hard to find me a fantastic quote. I immediately didn't waste time...
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Abril Hernandez
Thank you, Edward! You did an amazing job finding me the best price and also gave me great service.
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Christina Saldana
Eduardo texted me back in a timely fashion and then set me up with Amanda. She was nice and patient and made the process so easy! ...
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Cooking with Gala
Edward had great customer service, was friendly and super helpful. Great price and quick service.
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Ednandez
Just moved to Texas from Kentucky and Keyla made my switch of insurance very smooth. She was awesome! Very nice and helpful throug...
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Ryan Anderson
Elsa was by far so amazing. I would recommend everyone come here and see her; she has great prices.
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Ryan Anderson
Elsa was by far so amazing. I would recommend everyone come here and see her; she has great prices.
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