The Best Texas Car Insurance in 2018

The Best Texas Car Insurance in 2018

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The Best Car Insurance 2018 in Texas

The Best Texas Car Insurance in Texas. Looking for the best auto insurance in a bigger state like Texas is relatively easy but a bit expensive as the saying goes “Everything bigger in Texas”. Make comprehensive auto insurance a smart approach for 2018 on outlining how to get cheap car insurance in Houston. Finding the right value for your amount is important knowing the rules and regulations.

Minimum Liability Car Insurance in Texas

As per 2018, the Texas car drivers are required to carry minimum liability insurance if you cause an accident in future. This means for the best Texas car insurance, you must get at least.

  • $30,000 bodily injury/death liability coverage per person
  • $60,000 bodily injury/death liability coverage per accident
  • $25,000 property damage liability coverage per accident

If you by chance hit a luxury car, the total damage can exceed more than $25,000 and the other driver’s injury could also exceed the minimum bodily injury. Either of the case, you’ll have to cover the difference. So, you should look at the best car insurance results of 2018 to begin your primary search.

Top Five Best Texas Car Insurance, Pick One!

GEICO

Auto insurance quotes are best known of providing the best car insurance in 2018 of GEICO and mostly favorite of the Texas companies we researched as it quoted the cheapest premiums for hypothetical drivers. J.D. Power also preferred GEICO to every other company and Consumers Reports readers also scored it at the top. GEICO is famous for boosting the best financial strengths out of all the other Texas car insurers.

Allstate for Houston

Allstate is the second in terms of cheapest for drivers under 25 with the most market share at 12 percent roughly. It offers something other insurers don’t offer that is “Gap Insurance” for new cars. Mostly consumers are satisfied with Allstate on its car insurance product at just $390per year for basic liability coverage. It also acquires A+ rating from A.M. Best.

Farmers for Corpus Christi

It is the fourth in Texas in terms of its market share (9.5 percent) roughly average for young drivers. It has an A rating from A.M. Best and its annual liability coverage came out to be $417 per year. It is known for flexible policy options and still worth getting a quote from Farmers.

Progressive County Mutual Insurance

It is not the best top pick for auto insurance as they have slightly less impact on customer’s experience. It is known for its flashy ads and commercials. Progressive quote for 2018 came out to be a $505 per year with A+ financial rating. It is the most expensive for young drivers which make it average car insurance company in Texas.

State Farm

Although, it has the history of offering expensive quotes but looking at its claims record and elite financial strengths ratings makes it also a second one for your best car insurance with a market share of 17.7 percent. Another plus point goes in the favor of State Farm is its helpful website to make you understand which coverage best fits your auto insurance need of 2018.

Alternatives to Buy Best Car Insurance in Texas, 2018

If you’re hassling with your nerves to get the best Texas car insurance, breathe it out calmly looking at the following alternative plan that will make you shortlist according to the category and company.

These ones are legally accepted alternatives to confirm your financial responsibility.

  • File a mutual bond with at least two people called “Sureties” with the Department of Public Safety. Under the state’s minimum liability, the property you offer must be worth at least as much insurance amount bid.
  • Deposit an amount of $55,000 with the state comptroller in form of cash or security.
  • Deposit $55,000 with the county judge in cash or cashier’s check.
  • Through the Department of Public Safety, qualify for self-insurance to pay up the same amount covered by your minimum liability insurance requirements if you cause an accident but this option is only applicable for having 25 vehicles or more.

Cheapest car insurance in Texas

Category Cheapest option
Good drivers Farmers
Young drivers Farmers
Drivers with one at-fault crash Farmers
Drivers with poor credit Farmers
Retired drivers Farmers
Drivers with a military connection USAA
Low-mileage drivers Milewise

Author: Abigail David

This is Abigail David