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Texas Minimum Car Insurance Requirements, Penalties of No Coverage, Average Rate by City, & Strategies to Lower Your Premium

Minimum Auto Insurance Requirements in Texas

CoverageTexas Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$30,000 / $60,000$100,000 / $300,000
Property Damage$25,000$50,000
Uninsured Motorist Bodily Injury Coverage*$30,000 / $60,000$100,000 / $300,000
Uninsured Motorist Property Damage*$25,000$50,000
Personal Injury Protection (PIP)*$2,500 $2,500
Comprehensive CoverageOptional$250 - $1,000 deductible
Collision CoverageOptional$250 - $1,000 deductible

*Coverage can be rejected in writing.

Bodily Injury Liability

Bodily injury liability covers the doctor’s expenses of the other driver and their passengers when the insured is discovered to be at-fault for an accident.

Under the minimum auto insurance coverage, the insurer will pay up to $30,000 for a single person and $60,000 for multiple people injured in the accident.

Cheapest insurers in Texas for 25 year oldNote: For a 25 year old driver the lowest quotes are from GEICO, Texas Farm Bureau, and State Farm, as illustrated. For further comparison please see table below.

Property Damage Liability

Property damage liability covers repairs for damages that happen to the other person’s car as well as damage to any private and public property.

When the minimum coverage is purchased the insurer will pay as much as $25,000 for repairs that are required.

Best insurance premium options for 30 year oldNote: As illustrated, the best premium options are from GEICO, State Farm, and Texas Farm Bureau for a 30 year old driver.

The list number of Texas minimum requirements is 30/60/25 which is always in thousands and since Texas is the second largest state population wise, (California is first), the minimum requirements are relatively low for a state with a high number of drivers.

Affordable auto premiums options for 35 year oldNote: The cheapest carriers clustered near $1,600 for a 35 year old driver in Texas. For further details please see table below.

Cheapest Auto Insurers by Rate & Age

I queried more than 20 companies in the state of Texas to find out who has the cheapest rates. With each carrier I queried them at least 5 times to get an average.

Overall the lowest quotes are offered by GEICO, Texas Farm Bureau, and State Farm. If you shop for quotes your price could be higher or lower depending on factors such as your location, age, and past driving history.

Texas CompanyAverage Annual Rate 25 Y/O Driver30 Y/O Driver35 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
GEICO$2,331$1,978$1,598$1,185$989$832
Texas Farm Bureau$2,344$1,987$1,612$1,232$1,009$834
State Farm$2,362$2,009$1,614$1,245$1,011$845
Progressive$2,387$2,014$1,616$1,265$1,023$867
Nationwide$2,388$2,034$1,623$1,278$1,041$887
Mercury$2,401$2,060$1,668$1,285$1,056$902
Allstate$2,489$2,089$1,679$1,341$1,078$904
Farmers$2,554$2,121$1,700$1,347$1,080$909
American Family $2,605$2,122$1,706$1,349$1,098$900
Unitrin$2,623$2,122$1,706$1,357$1,213$910
Allied$2,699$2,209$1,745$1,378$1,211$920
MetLife $2,749$2,278$1,778$1,441$1,211$921
Encompass$2,750$2,278$1,899$1,456$1,214$931
Amica$2,755$2,332$1,867$1,441$1,243$956
Unitrin$2,756$2,378$1,878$1,456$1,244$978
21st Century$2,777$2,345$1,867$1,488$1,234$1,008
Liberty Mutual$2,788$2,479$1,943$1,490$1,256$999
Esurance$2,787$2,502$1,944$1,556$1,231$1,002
Kemper$2,805$2,422$1,942$1,576$1,230$1,021
Safeco$2,799$2,448$1,977$1,488$1,231$998

As recommend, no matter the state you reside in, the minimum coverage is not adequate, particularly if you have a newer model vehicle. Policy-holders want to be sure they are covered for any unforeseen accidents.

Inexpensive insurers quotes for 40 year old driver

Comprehensive & Collision Coverage

Comprehensive cover is recommended in the state of Texas since there can be harsh weather with heavy rainfall during hurricane season near Houston.

Texas also has a high rate of auto theft and if you have comprehensive cover your stolen vehicle will be covered.

If you have a newer model vehicle it would be wise to think about collision coverage too.

Even older model cars should consider have some level of collision coverage, particularly driving in big cities such as Dallas, and if you have a loan on your vehicle collision coverage is going to be required in the state of Texas.

Low-cost insurance firms for 45 year old in Texas

Uninsured Motorist Protection

Uninsured motorist protection would be a good to consider since Texas has an uninsured motorist rate of one out of every ten drivers driving uninsured. In the northern part of Texas the uninsured motorist rate is lower than in the southern part of the state.

Best premium rate options for 55 year old.

Gap Insurance for Financed Vehicles

Texas is know for beautiful farm lands and notoriously big 4 x 4 trucks and since the majority of the vehicles are financed getting Gap insurance would be a good idea.

Gap insurance is going to cover the “gap” between the “actual value” of the vehicle and what is “left over” or the “gap” from financing the vehicle.

For example, if you vehicle has a blue book value of 18,000 dollars and you financed 24,000, but have left to pay the bank an amount of 22,000 dollars then you have a 4,000 dollar “gap”

Best Insurers by Rating, Rate Change over 18 Months, and Complaints

Below is a table with the best insurance companies in Texas by rate change, complaints, and consumer rating.

The amount of written premiums is included however the important data for consumers are the latter three columns.

The amount of complaints for each insurer is normal since those with a higher amount of written premiums will have more complaints.

The rate change shouldn’t be alarming since it is within the state average.

And the data for consumer ratings is from JD Power & Associates, AM Best, and other reputable online portals to get an average.

Texas CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
GEICO$535,701,791+3.1%884.3
Texas Farm Bureau$415,641,543+3.4%764.0
State Farm$547,875,321 +3.4%1014.4
Amica$121,528,000+3.4%144.1
USAA$459,137,823+3.8%1214.4
Progressive$631,273,206+3.3%1384.5
Farmers $199,742,542+3.9%433.9
Mercury$84,920,209+4.1%23 4.1
MetLife $81,253,753+2.9%313.9
Nationwide$408,631,874 +2.8%2114.4
Liberty Mutual$134,165,829+2.9%294.4
Allstate$246,012,635 +4.3%294.3
21st Century$87,863,887 +2.9%214.2
Travelers$51,504,011 +3.1%84.1
American Family$78,715,033+2.9%374.4
Esurance$76,331,911+3.6%84.3
Safeco$17,456,343+3.5%63.8
Ameriprise$21,010,361 +3.0%83.9
State Auto$10,243,521+2.6%93.9
Kemper$7,125,841+4.1%123.8
Titan$9,912,218+3.1%263.8
Hartford$43,954,567+3.4%484.0
Horace Mann$15,719,994 +3.5%143.9
Home State County$21,854,032 +3.8%313.7
Allstate Indemnity Company$32,340,768+4.1%163.8

Source III.org

Fines for Driving without Insurance

  • $150 to $450 first offense

  • Suspension of license

  • Suspension of registration

  • Requirement to file an SR-22

If you have multiple offense of driving without insurance in the state of Texas you can get up to 180 days in jail.

Instead of worrying about fines or penalties all you have to do is enter your five digit zip code and get quotes from top insurance companies, such as Progressive, Geico, and Travelers.

It is better to have piece of mind than to worry if you are going to be pulled over without a cheap car insurance plan.

This website supplies all the tools you need to find the lowest possible car insurance rates in less then eight minutes.

And the best part is you can get as many car insurance quotes you want for free, have your insurance quote emailed to you, ask for the broker to call you back when convenient, or chat with an agent while you are online comparing quotes.

Average Rate by City

Included in the data below are 40 cities in the state of Texas with the average premium.

If your quotes are substantially higher than those below you may want to inquire with your current insurer.

You can look into any contributing factors such as your credit or driving history.

Some driving infractions can be used even if they happened 2 or 3 years ago.

If you would like detailed comparison by city in Texas please read further below.

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Abilene$1,823117,063Bayside$1,611325Del Rio$1,86535,998Huntsville$1,75438,548
Addison$1,84413,056Baytown$1,76371,802Denton$1,887113,383Ingleside$1,7699,387
Alamo$1,85218,862Beaumont$1,933118,296Duncanville$1,71138,524Jasper$1,8617,590
Allen$1,76318,353Bedford$1,94346,979Edinburg$1,83277,100Killeen$1,893127,921
Angleton$1,88718,862Brownsville $1,978175,023El Campo$1,76111,602La Grange$1,8974,690
Alvarado$1,9443,993Bryan $1,95176,201Flower Mound$1,72364,669Lewisville$1,89195,290
Arcola$2,0762,202Burnet$1,8085,987Galveston$1,89550,550Lufkin$1,75135,067
Bacliff$1,9548,619Caldwell$2,1324,326Grand Prairie$1,941175,396McKinney$1,861131,117
Bayou Vista$1,7651,537Cedar Hill$1,96545,028Greenville$2,00425,557Mesquite$1,769139,824
Bay City$1,84317,614Cleburne$1,94530,223Harlingen$1,95464,849Odessa$1,89299,940

Dallas, TX

Cheapest insurance firms in Dallas, TXResidents of Dallas can find cheap car insurance if they get quotes from GEICO, Texas Farm Bureau, and State Farm. Each at $1,411, $1,487, and $1,490 respectfully for a 30 year old driver. This is 29% lower than the average insurance rate of nearly $2,000 per year.

Progressive and Nationwide are well below the “mean” rate clustering just under $1,600 per year. For a 45 year old driver we found the lowest rates are offered by GEICO at $1,008 per year for full coverage. This is nearly 50% lower than the average rate of Dallas.

Texas Farm Bureau and State Farm are worth getting quotes from since both are well below the average rate. A family of 4 should get quotes from all insurers illustrated for maximum savings and optimum coverage. Each insurer will independently find a quote which is tailored to a family’s needs.

Dallas Company30 Y/O Driver45 Y/O Driver
GEICO$1,411$1,008
Texas Farm Bureau$1,487$1,032
State Farm$1,490$1,090
Progressive$1,564$1,122
Nationwide$1,587$1,143
Mercury$1,688$1,156
Allstate$1,690$1,189
Farmers$1,754$1,214
American Family $1,888$1,356

With more than 1.2 million residents, Dallas is one of the largest cities in the United States, and is located at the center of the Dallas-Fort Worth-Arlington metropolitan area.

It is home to many Fortune 500 companies, including Halliburton, Southwest Airlines, and Texas Instruments. Founded by John Neely Bryan in 1841, today it is a center for arts and culture. Dallas offers museums, the performing arts, and more. Some of Dallas’ more notable museums include, Dallas Arboretum, Children’s Museum, Frontiers of Flight Museum, and the Dallas Museum of Art.

The city has an extraordinary number of amusement and water parks, ranches, wildlife centers, and other outdoor activities which bring thousands of visitors each year.

Houston, TX

Inexpensive insurers in Houston, TexasGetting cheap auto insurance is easy for residents if they know where to look. The cheapest carriers we queried are Progressive, Texas Farm Bureau, and GEICO. Each at $1,411, $1,423, and $1,476 respectfully. In our list of top 5 fora 30 year old driver includes Mercury at $1,534. This is more than 25% lower than the average rate of $2,090 in Houston.

A 45 year old driver can find affordable car insurance with Progressive, Texas Farm Bureau, and GEICO. Each of them clustered under the $1,100 mark. This is over 35% lower than the “mean” rate. State Farm, Mercury, and Nationwide are not far behind with quotes below the $1,200 mark.

A family of 4 should consider getting quotes from all 5 insurance firms illustrated. Farmers and American Family are higher than other insurers we queried, but well below the average rate. Therefore both should be considered when looking for a premium for optimum coverage at a low cost.

Houston Company30 Y/O Driver45 Y/O Driver
Progressive$1,411$1,007
Texas Farm Bureau$1,423$1,043
GEICO$1,476$1,078
State Farm$1,490$1,132
Mercury$1,534$1,163
Nationwide$1,590$1,178
Allstate$1,611$1,190
Farmers$1,654$1,216
American Family $1,782$1,289

Houston is a huge city with nearly 2.5 million residents and currently the 4th largest city in the United States. Houston was founded by two New York real estate promoters, John Kirby Allen and Augustus Chapman Allen, who purchased the land in 1836 and founded a town named after Sam Houston.

The city was incorporated in 1837 and was the capital of the Republic of Texas until early 1839, when the capital was moved to Austin. Houston is a vibrant and rich center for arts and culture attracting enthusiasts from all over the world each year.

Some of the most impressive museums in the world are in Houston which include, Bayou Bend, Children’s Museum of Houston, Contemporary Arts Museum Houston, Museum of Fine Arts, Museum of Natural Science, and the Holocaust Museum. Some of the “Must See” attractions in Houston include:

  • The Art Car Parade and Festival which happens every spring along the Allen Parkway and Buffalo Bayou

  • Bayou Place, great restaurants, theaters, and concerts, all under one roof

  • The Buffalo Bayou Promenade, a promenade stretching from Bagby Street (near the Bayou Place entertainment complex) to Sabine Street

  • The Houston Livestock Show and Rodeo, the largest livestock exposition in the world

  • NASA’s Johnson Space Center

Austin, TX

Affordable premium rates in Austin, TXThe average premium in Austin is over $2,000 per year. We queried top carriers and found quotes 40% lower on average. At the top of the list is Texas Farm Bureau, GEICO, and Progressive.

Each at $1,232, $1,267, and $1,267 respectfully for a 30 year old driver. State Farm and Mercury are under the $1,400 mark which is nearly 30% lower than the average rate.

For a 45 year old driver we found two car insurance firms under $1,000 – GEICO and Texas Farm Bureau. Progressive and State Farm are not far behind clustering under the $1,100 mark.

A family of 4 should be able to find affordable insurance rate for any of the 10 carriers we queried. All of them landing at least 16% lower than then “mean” rate of Austin.

Austin Company30 Y/O Driver45 Y/O Driver
Texas Farm Bureau$1,232$932
GEICO$1,267$987
Progressive$1,267$1,009
State Farm$1,345$1,076
Mercury$1,378$1,103
Nationwide$1,427$1,143
Allstate$1,487$1,176
Farmers$1,505$1,213
American Family $1,550$1,214

Austin has nearly 1 million residents and is considered the live music capital of the world which boasts over a hundred live music venues. Sixth Street is a famous destination for nightspots. 

Austin was founded as the village of Waterloo in 1837. Waterloo was chosen to become the capital of the Republic of Texas in 1839. At that time, its name was changed to Austin to honor Stephen F. Austin, the “father of Texas”. 

Austin offers gardens, museums, the performing arts, and more. Some of Austin’s more notable gardens and museums include, Lady Bird Johnson Wildflower Center, Lyndon Baines Johnson Library and Museum, Texas Memorial Museum, Umlauf Sculpture Garden and Museum, and the Zilker Botanical Gardens.

Some of Austin’s “must see” attractions include:

  • Austin City Limits, the longest-running music show on television

  • Austin is home to North America’s largest urban bat population

  • The Lyndon Baines Johnson Library and Museum

  • The Texas State Capitol

San Antonio, TX

Cheapest rates in San Antonio, TXGetting the lowest premium for residents of San Antonio is pretty easy if you get quotes from Progressive, Texas Farm Bureau, and GEICO.

Each of the carriers clustered under the $1,400 mark for a 30 year old driver. This is 25% lower than the city average of $2,000 per year. State Farm and Mercury are just over $1,500 per year for full coverage.

A 45 year old driver can find inexpensive insurance with Texas Farm Bureau, GEICO, and Progressive. Each at $1,007, $1,043, and $1,078 respectfully. Or more than 40% lower than the “mean” rate.

All of the 10 carriers we queried are at least 26% lower than the “mean” rate and should be considered when trying to lower your auto premium.

San Antonio Company30 Y/O Driver45 Y/O Driver
Progressive$1,409$1,021
Texas Farm Bureau$1,444$1,054
GEICO$1,487$1,089
State Farm$1,500$1,156
Mercury$1,532$1,167
Nationwide$1,589$1,189
Allstate$1,600$1,243
Farmers$1,698$1,267
American Family $1,743$1,330

With nearly 1.5 million residents San Antonio has become a tourist hub of Texas. The famed RiverWalk (Paseo Del Rio) takes visitors along 3 miles of cool shady pathways lined with unique quaint shops, cafes, restaurants, and nightclubs.

During holiday period, the RiverWalk undergoes a wonderful transformation, becoming an impressive light festival. Of course the most famous attraction is The Alamo.

Located on beautifully landscaped grounds in the heart of the city, the attraction includes a museum containing relics and mementos from the Republic of Texas and narration chronicling the fall of the Alamo.

Other top attractions include, San Antonio Zoo, SeaWorld San Antonio, Six Flags Fiesta Texas, Buckhorn Saloon & Museum, Casa Navarro State Historical Park, and the Japanese Tea Gardens.

El Paso, TX

Showing cheap insurers in El Paso, TXEl Paso’s average auto insurance rates are high compared to the U.S. average hovering at $2,100 per year. We found the top 5 illustrated are 25% lower than then average rate.

If want the cheapest rates start with Progressive since we were offered a quote at $1,423 for a 30 year old driver with decent driving history. Texas Farm Bureau and State Farm offered similar, but a little higher, quote at $1,441 and $1,465 respectfully. GEICO and Mercury clustered near the $1,500 mark for a 30 year old.

A 45 year old driver can find the same low rates with Progressive, Texas Farm Bureau, and State Farm. With each clustering at $1,050 mark for a 45 year old.

Although during our queries for El Paso Progressive was the cheapest, this doesn’t mean not to get quotes from the others down the list illustrated in the table and/or chart.

El Paso Company30 Y/O Driver45 Y/O Driver
Progressive$1,423$1,034
Texas Farm Bureau$1,441$1,056
State Farm$1,465$1,087
GEICO$1,490$1,093
Mercury$1,501$1,132
Nationwide$1,556$1,176
Allstate$1,604$1,206
Farmers$1,645$1,254
American Family $1,708$1,290

El Paso is the 6th largest city in the state of Texas with nearly 700,000 residents. The comfortably dry heat of the El Paso sun allows outdoor recreation throughout the year.

El Paso is known for wonderful and breathtaking golf courses, including highly-acclaimed Painted Dunes. Outdoor enthusiasts hop across the New Mexico border for hiking, hunting and/or fishing. 

There is a charming blend of American and Mexican cultures and El Paso offers most anything the biggest cities have to offer throughout the United States.

Fort Worth

Fort Worth low-cost premiums by price for drivers.

Drivers in Forth Worth can find the lowest premiums with Texas Farm Bureau, Progressive, and State Farm. I queried each at $1,236, $1,355, and $1,426 per year for a 30 year old driver. Which is 16% to 27% lower than the “mean” rate of a driver with a similar profile.

Since the average premium is $1,680 per year any of the insurers illustrated are worth getting quotes. Each carrier is at least 10% lower than the average premium.

A 45 year old can get the cheapest prices with TX Farm Bureau, Progressive, and State Farm. Each queried at $987, $1,008, and $1,043 respectfully for full coverage. All three carriers are more than 25% lower than the citywide average premium.

Fort Worth Company30 Y/O Driver45 Y/O Driver
Texas Farm Bureau$1,236$987
Progressive$1,355$1,008
State Farm$1,426$1,043
Mercury$1,487$1,097
Nationwide$1,552$1,132
GEICO$1,574$1,176

The 5th largest city in the state of Texas is Forth Worth with over 850,000 residents and covering over 350 square miles. 

Named after Texas army commander William J. Worth, the city was founded during the Mexican War in 1849 as a military outpost. Fort Worth steadily grew as a center for cattle and meatpacking, first as a supply center along the Chisholm cattle trail, later with the completion of America’s first railroad in 1876.

An oil boom in 1917 and multiple military installations built during both world wars triggered additional growth. Today, Fort Worth boasts a strong and diverse economy not dependent on any one industry.

Arlington

Arlington least expensive policy price for 30 y/o drivers.

Arlington drivers can find the cheapest premiums with TX Farm Bureau, Progressive, and State Farm. I queried each at $1,311, $1,324, and $1,480 per year for a 30 year old driver. Each are 10% to 20% lower than the Arlington average of $1,632 per year.

Mercury is another carrier which is 7% lower than average making them a company worth getting quote from.

A 45 year old can get the least expensive quotes with Texas Farm Bureau. I queried them at $1,032 per year for full coverage. Which is 23% lower than the average premium for a driver of similar age and profile.

In fact, a 45 year old should compare all carrier illustrated to find the most savings and optimum coverage.

Arlington Company30 Y/O Driver45 Y/O Driver
Texas Farm Bureau$1,311$1,032
Progressive$1,324$1,055
GEICO$1,436$1,128
State Farm$1,480$1,200
Mercury$1,556$1,215
Nationwide$1,600$1,280

Arlington is the 7th largest city in the state and is part of the metropolitan area of Dallas-Fort Worth which is nearly 7 million residents.

Home to one of the most prestigious engineering colleges, the University of Texas, other major corporations call Arlington home such as General Motors and National Semiconductor. 

Named after Robert E. Lee’s home, Arlington is known as the entertainment capital of Texas because of its Six Flags Over Texas amusement park and Hurricane Harbor Water Park.

Its 82 parks, including the 1,300 acre River Legacy, and convenient access to Dallas-Ft. Worth make it a world class city.

Corpus Christi

Corpus Christi affordable premium choices for all drivers.

Drivers in Corpus Christi can find the lowest quotes with TX Farm Bureau, Progressive, and State Farm. I queried each at $1,187, $1,235, and $1,400 per year for a 30 year old driver. Which is 14% to 27% lower than the citywide average premium of $1,607.

All carriers illustrated are at least 8% lower than the “mean” rate.

A 45 year old can get affordable quotes with TX Farm Bureau and Progressive. Each queried at $903 and $955 respectfully for full coverage. Which is 26% to 29% lower than the average premium for a driver of similar age and profile.

A 45 y/o driver with good driving history should be able to get quotes below $1,000 in Corpus Christi.

Corpus Christi Company30 Y/O Driver45 Y/O Driver
Texas Farm Bureau$1,187$903
Progressive$1,235$955
GEICO$1,327$980
State Farm$1,400$1,065
Mercury$1,440$1,144
Nationwide$1,511$1,200

Corpus Christi, meaning the body of Christ in Latin, was founded in 1839 with less than 100 residents. Today there are nearly 325,000 and is considered on the most beautiful cities on the coast of Texas.

Corpus Christi has grown into a regional center for marketing and distribution of agricultural commodities and boasts a local economy largely driven by tourism and the oil and petrochemical industries.

Also, it is a significant port city with one of the nation’s largest and is also the deepest inshore on the Gulf of Mexico. Notable attractions include the Texas State Aquarium and the USS Lexington Museum.

Plano

Plano, TX cheapest premium options for all drivers.

When I queried for quotes for a 30 year old driver in Plano I found the cheapest to be Progressive, TX Farm Bureau, and Mercury. I queried each at $1,322, $1,336, and $1,409 per year for full coverage.

Which is 12% to 17% lower than the average premium of $1,580 in Plano. There are a few carriers which offered quotes near or above the “mean” rate.

A 45 year old can get the cheapest premium with Progressive and TX Farm Bureau. I queried each at $985 and $1,045 per year for full coverage.

Which is 19% to 21% lower than the average premium for a similar age driver in Plano. Some of the insurers are near or above the average premium, however, getting quotes from them are free and therefore you should consider them when shopping for a new policy.

Plano Company30 Y/O Driver45 Y/O Driver
Progressive$1,322$985
Texas Farm Bureau$1,336$1,045
Mercury$1,409$1,080
GEICO$1,456$1,132
State Farm$1,530$1,187
Nationwide$1,558$1,203

The only city in Texas with a AAA bond rating is Plano. Incorporated as a city in 1873 with only a few hundred residents, today, it boasts 270,000 residents.

The city is hub for many corporate headquarters which include, JC Penny, EDS, Frito-Lay, Alcatel, and Dr. Pepper. Plano’s economy is thriving and the government is interested in forming successful partnerships with local businesses. 

A popular attraction for many types of performing arts is the Courtyard Theater. The theater is located in a renovated historic downtown building, and it supports entertainment such as national art exhibits and vocal performances.

Thousands of visitors come to Plano each year to enjoy the spectacular outdoors and numerous venues offered.

Laredo

Laredo, TX lowest price premiums by carrier for drivers.Drivers in Laredo can get the cheapest quotes with TX Farm Bureau, Progressive, and Mercury. I queried each at $1,106, $1,180, and $1,255 per year for a 30 year old driver.

Which is 20% to 30% lower than the average premium of $1,554 in Laredo. All the insurers illustrated are below the “mean” quote and therefore should be considered when shopping for quotes.

A 45 year old can get low quotes with TX Farm Bureau. I queried them at $897 which is 35% lower than the average premium. Any of the carriers illustrated for a 45 year old are worth comparing quotes to find optimum coverage and maximize savings.

Laredo Company30 Y/O Driver45 Y/O Driver
Texas Farm Bureau$1,106$897
GEICO$1,144$943
Progressive$1,180$1,032
Mercury$1,255$1,068
State Farm$1,328$1,143
Nationwide$1,407$1,170

Laredo was settled in 1755 with less than 100 residents. Today, it is the 10th most populated city in the state with a population of approximately 240,000 people.

Since the 1990’s, Laredo’s economy is based on international trade with Mexico. Most major transportation companies have a facility in Laredo. The city’s location on the southern end of I-35 close to the manufacturers in northern Mexico promotes its vital role in trade between the two nations.

The biggest festival in Laredo is Washington Birthday Celebration which attracts hundreds of thousands of visitors each January and February.

Other notable festivals include the Jalapeno Festival and the Border Beer Fest.

Lubbock

Lubbock cheapest premium choices by price for drivers.Drivers in Lubbock can find the cheapest quotes with TX Farm Bureau, Progressive, and Mercury. Each queried at $1,125, $1,155, and $1,208 per year for a 30 year old driver. Which is 20% to 24% lower than the citywide premium of $1,508. All of the insurers illustrated are at least 11% lower than the “mean” rate.

A 45 year old can get affordable quotes with Farm Bureau and Progressive. I queried each at $901 and $935 per year for full coverage. Which is 25% to 27% lower than the average policyholder in Lubbock.

There are four carriers which are below $1,000 and all of them are worth getting quotes from.

Lubbock Company30 Y/O Driver45 Y/O Driver
Texas Farm Bureau$1,125$901
Progressive$1,155$935
Mercury$1,208$965
GEICO$1,235$990
State Farm$1,307$1,087
Nationwide$1,356$1,105

One of the fastest growing cities in the state is Lubbock. Settled in 1890 and incorporated as city in 1909, today it has nearly 250,000 residents with projections of 340,000 in the near future.

One of the reasons for Lubbock’s fast growth is the business friendly atmosphere. CNN has named Lubbock as on the top cities to start a business. 

The area is the largest contiguous cotton-growing region in the world. Lubbock is known as “Hub City” which derives from it being the economic, educational, and health care hub of the multi-county region, north of the Permian Basin and south of the Texas Panhandle.

Neat attractions in Lubbock include the National Ranching Heritage Center, Buddy Holly Center, and the Silent Wings Museum.

Irving

Irving, TX lowest price premiums by insurer for 30 y/o drivers.To find the least expensive quotes in Irving start with TX Farm Bureau, Progressive, and State Farm.

I queried each at $1,121, and $1,154, and $1,236 respectfully per year for a 30 year old driver. Which is 20% to 27% lower than the citywide average quote of $1,527 per year.

In fact, all the insurers illustrated are at least 7% lower than the “mean” quote in Irving.

A 45 year old can get affordable quotes with Farm Bureau and Progressive. Each queried at $870 and $904 per year for full coverage. Which is 27% to 31% lower than the average policyholder.

With quotes clustering between $870 and $1,080 it would make sense to get an idea what your premium may be with any of the insurers illustrated.

Irving Company30 Y/O Driver45 Y/O Driver
Texas Farm Bureau$1,121$870
Progressive$1,154$904
State Farm$1,236$943
Mercury$1,387$980
GEICO$1,400$1,043
Nationwide$1,438$1,080

Irving began in 1889 as a settlement called Gorbit. In 1894 the name of the settlement was changed to Kit, and its location was shifted to accommodate an anticipated railroad route. When the route did not follow its original plan, Julius Otto Schulze and Otis Brown promoted a third town site in 1903.

Today, Irving is the 13th most populated city in the state with approximately 240,000 residents. Irving includes the Las Colinas community, one of the first master-planned developments in the United States and once the largest mixed-use development in the Southwest.

The community includes companies such as ExxonMobil, Kimberly-Clark and Fluor Corporation. Top attractions in Irving at Las Colinas include the Mandalay Canal Walk and the Flower Clock.

Garland

Garland, TX cheap premium price by carrier for drivers.Drivers can find a cheap premium in Garland if they get quotes from TX Farm Bureau, Progressive, and Mercury.

I queried each at $1,078, $1,100, and $1,154 per year for a 30 year old driver. Which is 26% to 31% lower than the “mean” rate of $1,550 per year.

I found quotes clustering between $1,078 and $1,154 then jumping up significantly for other carriers. However, this shouldn’t deter you since all of them are at least 10% lower that the average rate.

For a 45 year old I found quotes clustering between $862 and $1,052. With Farm Bureau the cheapest at $862. Which is 33% lower than the citywide average premium.

With a variance of $190 among all carriers illustrated this could mean more than 25% in price. Which would make sense to compare quotes to find the most savings.

Garland Company30 Y/O Driver45 Y/O Driver
Texas Farm Bureau$1,078$862
Progressive$1,100$897
Mercury$1,154$921
State Farm$1,238$938
GEICO$1,369$987
Nationwide$1,400$1,052

One of the most family friendly cities in Texas is Garland.

Incorporated as city in 1891 with less than 1,000 residents, today, there are nearly 230,000 people residing in Garland. Most of the city resides in the Dallas-Forth Worth metropolitan area.

There is ease of access to downtown Dallas through Blue Dart stations and buses.

Since there is business friendly atmosphere instilled by the government, Garland has a variety of industries, including electronics, steel fabrication, oilfield equipment, aluminum die casting, hat manufacture, dairy products, and food processors.

CNN and Money Magazine has ranked Garland as one of the best places to live. Numerous other reputable companies has ranked Garland as one of the best places to raise a family.

Resources & DMV Information
Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
333 Guadalupe St, Austin, TX 78701
(800) 578-4677
1009 Court St, Newton, TX 75966
(409) 379-4681
1925 E Belt Line Rd #100, Carrollton, TX 75006

(972) 478-5200
WebsiteWebsiteWebsite
Sources

https://www.safeauto.com/state-insurance/texas-auto-insurance

https://www.allstate.com/auto-insurance/texas-auto-insurance-coverages.aspx

https://www.thesimpledollar.com/best-car-insurance-in-texas/

Greg Fowler
Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

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