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FAQs

Who has the cheapest car insurance in Texas? ›

Cheapest Car Insurance Coverage in Texas

State Farm has the cheapest liability-only auto insurance in Texas, while Texas Farm Bureau has the cheapest full-coverage car insurance in the state. In the sections below, we'll detail the cheapest options for minimum liability and full-coverage car insurance in Texas.

Texas Farm Bureau Insurance has some of the best auto insurance prices in the state, according to NerdWallet's past rate analyses. As an auto policyholder, you may be eligible for discounts by: Bundling auto coverage with other Texas Farm Bureau policies. Insuring more than one vehicle.

We'll inspect your vehicle or home and provide you an estimate for the damages. We'll pay you for your damages less your deductible and any applicable depreciation after we have inspected your property.

The average Texas Farm Bureau - Insurance Agents salary ranges from approximately $29,592 per year for Agent Assistant to $79,823 per year for Insurance Agent.

Among nationally available providers, USAA offers the cheapest minimum liability car insurance at 46% below average. If you don't have any military affiliation, Geico will be the most affordable option. *All costs presented are for a 35-year old driver with good credit and no driving violations.

The average cost of liability-only car insurance for Texas drivers is $119 per month, or $1,428 per year. Drivers who buy full-coverage car insurance pay an average of $245 per month, or $2,941 per year. As a driver, your exact insurance costs will depend on various factors.

Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage.

As the unified voice of Texas agriculture, Texas Farm Bureau functions as a member of Farm Bureau, a national grassroots organization with memberships across America that focus on building strong, prosperous agricultural communities.

Memberships range from $20 to $90 depending on the county you live in. All you need to do is fill out a Texas Farm Bureau membership application online and pay the registration fee to join.

Our 850+ agents and over 300 claims personnel provide prompt, efficient, personal service to our more than 530,000 member-families all across our great state.

How long does an insurance claim take in Texas? ›

For instance, the state of Texas requires a claim acknowledgment within 15 days of a claim being filed. Approval or denial must be made within 15 days of all required documentation being received, but the adjuster can extend it to 45 days if they are able to give a good reason.

State Farm is generally good about paying out claims in a timely manner. The company received a score of 891 out of 1,000 in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study, which landed it in fifth place and above the industry average.

Geico is the less expensive of these two insurers for most drivers, but Allstate scores points for its large agent network and for its Claim Satisfaction guarantee.

So it's important to understand insurance groups – after all, there are 50 of them in total. Cars in group 1 are the least risky from an underwriter's perspective and the cheapest to insure. Those in group 50 are the riskiest and most expensive – usually higher performance models and luxury SUVs.

As the exclusive retailer and marketing partner of AutoInsurance.com, Walmart customers will be able to access the service directly from its website at www.walmart.com/autoinsurance.