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How To Find Cheap Full Coverage Auto Insurance in Texas

cheap full coverage auto insurance texas

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Finding cheap full coverage auto insurance in Texas can be simple once you know what to look for. Full coverage insurance is a great option for those who want to fully protect themselves, their vehicles, and their finances in the event of a collision. Read on to discover everything you need to know about cheap full coverage auto insurance in Texas.

What Is Full Coverage Insurance?

Full coverage insurance is not a type of insurance plan — it’s a collection of plans. If you have liability, collision, and comprehensive coverage, you have what’s called “full coverage” insurance. You generally have full coverage insurance because of one of two reasons:

  • You’re trying to fully protect yourself and your vehicle.
  • You’re required to have it because you’re leasing your vehicle or it’s part of your loan agreement.

Texas Liability Insurance

Texas requires you to have a minimum of liability insurance, which helps protect other drivers or property owners who are involved in a collision with you. If you were to get an insurance plan with only liability coverage, that plan would have to offer:

  • $30,000 for bodily injury damages per person
  • $60,000 for total bodily injury damages per accident
  • $25,000 for property damage per accident

If your Texas liability insurance is at or above these limits, you have enough insurance to drive legally anywhere in the state, whether you’re in Lubbock or Austin.

Texas Collision Insurance

Collision insurance has limits based on the actual cash value of your vehicle. It works similarly to liability insurance, but it helps you pay for the costs of repairing damages done to your vehicle or replacing it entirely if the damages exceed your vehicle’s actual cash value.

Texas Comprehensive Insurance

For everything else, there’s comprehensive insurance. Comprehensive insurance covers damage done to your vehicle through non-collision situations. These situations include branches falling on your car, damages from theft, hail damage, and so on. Like collision insurance, comprehensive insurance is based on your vehicle’s actual cash value.

When you have full coverage insurance, you’ll be able to take advantage of all of these types of plans. However, you’ll also be paying for all three. Luckily, there are companies in Texas that offer competitive rates for full coverage insurance. There are also some methods you can use to lower the cost of your insurance.

Cheap Full Coverage Insurance in Texas

If you’re looking for cheap full coverage insurance in Texas, it’s important to note that how much you pay for it depends largely on your personal information and history. But if you’re looking for somewhere to start searching, here are some of the cheapest rates for full coverage insurance plans in Texas, according to ValuePenguin:

  • State Farm: $1,094 annually or $91 monthly
  • USAA: $1,403 annually or $117 monthly
  • GEICO: $1,448 annually or $121 monthly
  • Chubb: $2,237 annually or $186 monthly
  • Nationwide: $2,400 annually or $200 monthly
  • Dairyland: $2,649 annually or $221 monthly

These are average rates for Texas drivers with full coverage plans from these companies. It should be noted that USAA is only for former or current military members and their family members. This is not a complete list, and it may not even include some of your cheapest options.

When a car insurance company is calculating how much to charge you for insurance, it will take into consideration many factors. These factors include your age, location, credit score, your vehicle, how much you drive, and your driving history. Because each of these aspects can influence the cost of your insurance, the amount you pay may be higher or (hopefully) lower than these averages.

How to Save Money on Full Coverage Insurance in Texas

Though full coverage auto insurance is the most expensive type of car insurance, you can still bring down the cost of your premium by using some tips and tricks. But before we get started, the first thing you should do to be sure you’re getting the best price is shop around. Get quotes from as many insurance companies as you need to in order to feel confident about your decision before you sign up for a plan. Getting a quote is free and doesn’t affect your credit score.

Your Car’s Make and Model

The newer your vehicle, the more you’ll pay on your full coverage premium. You’ll also pay more for your insurance if you drive more. Other vehicle factors that affect your insurance cost include your vehicle’s safety features, cost, and body style.

Your Personal Details

There are aspects of your personal details that affect your insurance more than others. Your age is one of the most influential factors when it comes to insurance cost — the older you are, the less you’ll generally pay for insurance. You may also be able to reduce the cost of your insurance by getting married.  Your location also plays a role — if you live in a rural area, you may pay less than someone in a big city.

Your History

One of the easiest ways to raise the cost of your insurance is to have a recent collision or car accident. The more often you have to use your insurance, the more expensive it’s going to be.

Initially, your credit score will also play an important role as your prospective car insurance company decides how much to charge you. If your credit score is too low, you’ll be deemed a higher risk to insure, and your insurance rates will rise.

Other Insurance Plans

If you’re already insuring other vehicles or a home, you should consider bundling them under the same company. Most insurance companies will incentivize you with discounts for having multiple insurance plans through them.

It’s a good idea to protect yourself and your investment from a world full of accidents and surprises with full coverage car insurance in Texas. It’s an even better idea to do everything you can to get the best deal on your insurance plan. Use this guide to help you find the cheapest full coverage auto insurance available to you.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.


About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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