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Cheap Car Insurance in Texas
Driving in the Lone Star State is an adventure on its own. With the most interstate mileage in the country, finding Texas low-cost car insurance is a must for many drivers. Agencia de Seguros de Accesso, LLC (A Abana) can help you find a car insurance option that doesn’t break the bank.
Are you a driver looking for cheap car insurance in Texas? A Abana is here to help. We offer:
- Spanish-bilingual help from experienced agents
- Quotes from 20+ trusted insurance companies
- SR-22 filing services (owner and non-owner)
- Flexible payment plans
- Low down payments (depending on the insurer you choose)
- Multi-car discounts, safe-driver discounts, and more
- Same-day proof of insurance (once policy is set up)
Call A Abana today at 214-764-8868 to get affordable Texas auto insurance quotes from more than 20 insurance companies or get a free car insurance quote online!
What affects your insurance rate in Texas
Drivers in Texas might have seen an increase in their insurance rates recently due to more congested roads in urban areas, higher accident rates, and more expensive medical costs. These factors alone don’t set the price of your premiums, however.
Insurance companies also consider:
- Your driving record: If you don’t have accidents or infractions on your record, you may see lower rates.
- Your age and experience: Are you an experienced driver? You may pay less than teenage or newer drivers.
- Where you live: Drivers who live in more dense areas may see an increase in their rates.
- Your mileage: Do you commute daily or drive less often? Insurance companies also take into account your yearly average mileage.
- The limits and deductible you choose: Choosing a higher deductible can lead to lower rates. Just make sure you factor it into your budget, as you’ll have to pay a deductible before the insurance company pays the remaining covered costs.
- Discounts: You may qualify for a variety of discounts, such as a good student discount, continuous coverage discount, etc.
A Abana can help you find a low-rate option! Start your quote for Dallas, Fort Worth, Houston, San Antonio, Corpus Christi, or enter your Texas ZIP code to compare quotes from multiple car insurance companies at once.
What is the minimum car insurance required in Texas?
In Texas, drivers must have liability insurance, according to the Texas Department of Insurance. Liability insurance helps pay for the other driver’s car repairs and medical bills if you’re found at fault for a covered accident. The minimum liability coverage limits in Texas are:
- $30,000 for bodily injury or death to another person
- $60,000 for injury or death to one or more people per accident
- $25,000 for property damage liability
Insurance companies are also legally required to offer these coverages:
- Personal injury protection (PIP): If you’re in a covered accident and you or your passengers have injuries, PIP coverage can help pay for medical bills, lost wages, rehabilitation, and funeral expenses, regardless of who is at fault. You may decline it in writing.
- Uninsured/underinsured motorist coverage (UM/UIM): If another driver hits you and they are not insured or don’t have enough insurance, these coverages may help with the cost of repairs or injuries. You may decline it in writing.
Compare budget-friendly Texas auto-insurance quotes today. Call A Abana at 214-764-8868. One of our Spanish-bilingual agents is ready to help!
Get customized coverage in Texas
Some drivers opt for basic insurance, and others may want a “full coverage” car insurance policy. These can include drivers who are leasing or financing a car, since the lending company may require it.
Full coverage insurance means your policy has a bundle of coverages that typically include:
- The basic liability coverage
- Collision coverage: It helps pay for repairs to your car after a covered traffic accident, regardless of fault.
- Comprehensive coverage: It helps pay for damages to your car caused by covered events such as vehicle theft, vandalism, falling objects, and extreme weather events.
Additional coverages
Additional optional car insurance coverages include:
- Medical payments (MedPay): MedPay can help cover some medical costs for injuries caused during a covered accident, regardless of fault. Unlike PIP coverage, it doesn’t cover non-medical costs.
- PIP (Personal injury protection) coverage
- UM/UIM (uninsured/underinsured motorist) coverage
- Roadside assistance: A handy additional coverage, which can help pay for lockout and towing services, blown tires, battery services, etc.
Save on car insurance with discounts
A Abana works with trusted car insurance companies that offer a variety of discounts. You may qualify for a discount if you:
- Bundle multiple vehicles under one policy
- Keep a clean driving record
- Had uninterrupted car insurance coverage
- Attend school with a good academic record
- And more!
A Abana can help you build a policy that matches your lifestyle and budget. Find an affordable auto insurance option in Texas by calling 214-764-8868 or getting a free online quote today.
Need an SR-22? We can file it today
You may have been required to get “SR-22 insurance,” which is a certificate proving you meet the car insurance requirements in Texas. Drivers can’t file this form on their own, but A Abana can help you get back on the road fast.
We help drivers who’ve had insurance challenges by offering SR-22 filing services in Texas with trusted insurance companies. Contact us if you need:
- Easy and fast electronic filing: Get a quote, set up your policy, and we’ll file the SR-22 for you.
- Same-day proof of insurance (once the policy is bound and initial payments received)
- Non-owner SR-22 (For drivers who don’t own a car)
For your SR-22 to be valid, you’ll need to maintain car insurance that meets the Texas requirements, according to the Texas Department of Public Safety. If your policy lapses, the SR-22 may not be valid.
Drivers in Texas may need an SR-22 for a variety of reasons, including:
- Suspended license
- Driving without insurance
- DUI or DWI convictions
- Driving with an invalid license
- Repeated traffic violations
An SR-22 may increase your premiums, but with A Abana, you can compare car insurance quotes and find an option that works for you.
Cities and areas we serve
We offer affordable car insurance options across Texas. A Abana has helped drivers in these areas:
- Dallas
- Fort Worth
- Arlington
- Irving
- Plano
- Garland
- Houston
- Pasadena
- Sugar Land
- San Antonio
- Austin
- El Paso
- Corpus Christi
- And more!
Find an A Abana car insurance agency in Texas or call us at 214-764-8868.
Frequently asked questions (FAQs)
What are the Texas minimum car insurance requirements?
In Texas, you’ll need liability coverage with these minimums: $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. Insurance companies are required to offer PIP and UM coverages, which you may decline in writing.
How much is car insurance in Texas?
How much you pay will depend on your driving record, vehicle, ZIP code, and level of car insurance you choose. Contact A Abana at 214-764-8868 to get a local quote.
Which cities do you serve in Texas?
We offer state-wide support, including the major metro areas like Dallas, Fort Worth, Corpus Christi, Arlington, Irving, Plano, Garland, Houston, Pasadena, Sugar Land, San Antonio, Austin, and El Paso.
What counts as “full coverage?”
Full coverage usually combines the basic required car insurance plus collision coverage and comprehensive coverage. Collision and comprehensive coverages can help pay for repairs to your own car after a covered accident. If you’re financing or leasing a car, the lender may require you to get full coverage.
How fast can I get proof of insurance or an SR-22?
You can get digital proof of insurance or have your SR-22 filed on the same day with A Abana. All you need to do is choose the coverage that works for you and submit initial payments.
Do you accept foreign or temporary licenses?
Yes, we do. We work with drivers from diverse backgrounds, including those with foreign licenses, Matricula Consular, valid passports, and temporary licenses. Our Spanish-bilingual agents are ready to help.
Get covered in minutes
Ready to find budget-friendly coverage in Texas? Here’s why our customers choose A Abana to find affordable car insurance:
- Spanish-bilingual support
- Quotes from multiple insurance companies at once
- Same-day proof of insurance (Once your policy is set up)
- Cash or card payments accepted
- Low downpayment options (Depending on the carrier you choose)
- No appointments needed
- We help drivers find available discounts
To compare quotes for Texas low-cost car insurance, get in touch with an A Abana agent at 214-764-8868, visit one of our locations, or get a free quote online today!
Disclaimer:
This material is for general informational purposes only. The products, services, and discounts referenced herein are not available in all states or from all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all cases, the actual language of the policy contract prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.
