5 Cheapest Auto Insurance Companies in Texas 2021

Auto insurance can be expensive depending on where you live in Texas, your age, and your past driving history. If you drive a lot, it only makes sense to have car insurance and a policy that is easy on the wallet. Getting car insurance can be expensive and a lot of factors can affect your rate like your prior driving history. Other factors that can affect your Texas Car Insurance rate are the kind of coverage that you are settling for, prior accident records, age, experience, relationship status, and credit score just to name a few. Also, you have to ask yourself if you wish to settle for a minimum coverage auto insurance policy or full coverage auto insurance policy. Another item that car drivers in Texas are not commonly aware of is the effect of your current and previous zip code on your car insurance quote. According to Bank Rate, drivers in Houston pay 18% more than the average full coverage premium in Texas, while drivers in Lubbock and Tyler pay 3% less than the state average. If you live in Texas and income is a major deciding factor when it comes to selecting your insurance policy, then it helps to know which company offers the best rate for the kind of car insurance policy that you are looking for.

In 2021, winter storm Uri impacted Texas tremendously, and for people with auto insurance, this resulted in billions of dollars in Insured losses. A storm like this is more reason why it is essential to have affordable auto insurance coverage due to the financial losses that people faced. A lot of people are either planning to buy, lease or finance a new vehicle after experiencing the effect of the storm on their current vehicle. It helps to know which auto insurance company is offering affordable rates in Texas. From the online research that was conducted, Geico, Texas Farm Bureau, State Farm, and Nationwide are some of the cheapest auto insurance companies in Texas in 2021.

Some of the Texas auto insurance companies offer more benefits for certain auto insurance buyers than others. In this article, we will dive into some of these companies that are offering affordable auto insurance in 2021 to drivers in Texas and how some of your pre-existing conditions may affect your rate.

Auto Insurance Company profile breakdown 2021

Geico Auto Insurance Texas

Texas Farm Bureau Auto Insurance Texas

State Farm Auto Insurance Texas

Nationwide Auto Insurance Texas

Factors That Can Affect Your Texas Auto Insurance Rates

The table below breaks down your estimated annual auto insurance rate coverage for an insurance policy in Texas and the factors that can lead to the estimated rates. Some of the factors that are taken into consideration are prior tickets record, prior accidents, credit scores, and relationship status. These numbers and discounts or add ons are based on annual rates.