We analyzed auto liability insurance rates in each city to identify the top three insurers with the lowest rates. In the table below, we've prepared a list of 78 largest cities in Texas along with the city's three lowest cost insurers and average annual premiums to give drivers a sense of costs. Rates are averaged for a single 30 year old with a good credit score and driving history.
Once you know the approximate value of your car and the cost to carry collision coverage, then you can make an informed decision about purchasing that coverage. Many people find that it's a good idea to cover newer cars, but as cars get older, their values decrease, and you might consider omitting or dropping this coverage to save money on your auto insurance.
Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2), Civic Property and Casualty Company (#4241-6), Exact Property and Casualty Company (#4240-8), Neighborhood Spirit Property and Casualty Company (#4242-4).
It costs just $2,239 a year to insure a car in a town that has been named one of the Happiest Cities to Work In as well as one of America's Safest Cities. Annual car insurance premiums in El Paso are 8% cheaper than the state average. Keep Texas Farm Bureau and Progressive in mind if you're looking to save on auto insurance in El Paso, as these companies provided the cheapest quotes for our profile driver.
To find the best insurers in Texas, we'll be looking at the companies with the fewest complaints compared to their competitors. These are thirty of Texas's largest auto insurance companies, and are ranked based on their complaint index, which measures how many valid complaints the company gets compared to the average insurer. An index of 1.00 is average, and a number below 1, such as State Farm County's index, is better (gets fewer complaints than the average company).
The main difference between collision and comprehensive coverage comes down to the question of what the driver controls. Collision insurance will cover events within a motorist's control or when another vehicle collides with your car. Comprehensive coverage generally falls under "acts of God or nature," or things that are typically out of your control when driving. These can include events such as a spooked deer, a heavy hailstorm, or a carjacking.
Collision insurance is a coverage that helps pay to repair or replace your car if it's damaged in an accident with another vehicle or object, such as a fence or a tree. If you're leasing or financing your car, collision coverage is typically required by the lender. If your car is paid off, collision is an optional coverage on your car insurance policy.