My dad has always been careful with money and makes sure that every dollar he spends is worth it—especially when it comes to auto insurance. Since he lives in Texas, where insurance rates can be higher than the national average, he knew he had to shop smart to get affordable full coverage auto insurance without sacrificing protection.

If you’re a Texas driver looking for affordable full coverage auto insurance, this guide will help you:
✅ Understand full coverage auto insurance requirements in Texas
✅ Find the cheapest insurance providers for full coverage
✅ Learn tips to lower your premium while keeping great protection

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What Does Full Coverage Auto Insurance Include in Texas?

📌 Full coverage isn’t a single policy—it’s a combination of multiple coverages that protect you in different situations.

✔️ Liability Coverage (Required by Texas Law) – Pays for injuries and damages to others if you cause an accident.
✔️ Collision Coverage – Covers repairs or replacement of your car after an accident, regardless of fault.
✔️ Comprehensive Coverage – Protects against theft, vandalism, weather damage, and hitting animals.
✔️ Uninsured/Underinsured Motorist Coverage – Helps pay for damages if you’re hit by a driver with no or little insurance.
✔️ Personal Injury Protection (PIP) or Medical Payments (MedPay) – Covers medical expenses for you and your passengers after an accident.

🚗 Example: My dad once got caught in a Texas hailstorm that caused major damage to his truck. Thanks to comprehensive coverage, he didn’t have to pay thousands in repair costs.

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Minimum Auto Insurance Requirements in Texas

📌 Texas law requires drivers to have at least liability insurance with these minimum limits:

✔️ $30,000 per person for bodily injury.
✔️ $60,000 per accident for bodily injury.
✔️ $25,000 for property damage (30/60/25 rule).

🚨 Important: Liability-only insurance won’t cover your own vehicle’s damages. To fully protect yourself, full coverage insurance is recommended, especially if you have a newer or financed car.

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Most Affordable Full Coverage Auto Insurance in Texas

We analyzed Texas insurance providers to find the best full coverage options at affordable rates.

Insurance Company	Best For	Full Coverage Cost (Monthly)	Texas Availability
GEICO	Best for cheap full coverage	$105 – $175	✅ Statewide
State Farm	Best for customer service	$115 – $185	✅ Statewide
Progressive	Best for high-risk drivers	$120 – $200	✅ Statewide
Allstate	Best for accident forgiveness	$130 – $220	✅ Statewide
USAA	Best for military families	$90 – $160	✅ Statewide
Texas Farm Bureau	Best for local, Texas-based coverage	$100 – $180	✅ Texas Only

📌 Quick Breakdown:

• GEICO & USAA: Best for budget-friendly full coverage in Texas.
• State Farm: Best for personalized service and easy claims.
• Progressive: Best for drivers with past tickets or accidents.
• Texas Farm Bureau: Best for Texans who want a local insurance provider with great customer service.

🚗 Example: My dad compared GEICO and Texas Farm Bureau and found that GEICO was $20/month cheaper for the same full coverage policy.

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How to Get the Cheapest Full Coverage Auto Insurance in Texas

1. Compare Quotes from Multiple Insurance Companies 📊

📌 Shopping around is key to getting the best deal in Texas.

✔️ Best Websites to Compare Texas Car Insurance:

• The Zebra – Best for comparing 100+ insurers in Texas.
• NerdWallet – Best for finding bundling discounts.
• Policygenius – Best for customizing your coverage options.

🚗 Example: My dad used The Zebra and found that USAA was $35/month cheaper than Allstate for full coverage in Texas.

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2. Choose the Right Coverage Levels & Deductibles ⚖️

📌 Higher coverage limits give you better protection, but increasing your deductible can lower your monthly rate.

Coverage Type	Recommended Coverage in Texas
Liability Coverage	100/300/100 ($100K injury per person, $300K per accident, $100K property damage)
Collision Coverage	Equal to your car’s value
Comprehensive Coverage	Matches collision deductible
Uninsured/Underinsured Motorist	Same as liability limits

🚗 Example: My dad raised his deductible from $500 to $1,000 and saved $25/month while still keeping great coverage.

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3. Apply Discounts to Lower Your Texas Full Coverage Rate 💰

✔️ Multi-policy discount – Save 10-25% by bundling home & auto insurance.
✔️ Good driver discount – Save 10-30% with a clean driving record.
✔️ Low-mileage discount – Save 5-15% if you drive under 7,500 miles per year.
✔️ Defensive driving course discount – Save 5-15% by taking an approved course.
✔️ Pay-in-full discount – Save 5-10% by paying for 6 months or a year upfront.

🚗 Example: My dad bundled his home and auto insurance with State Farm and saved an extra 15% on his full coverage policy.

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4. Consider Usage-Based or Pay-Per-Mile Insurance 🚦

If you drive fewer than 10,000 miles per year, pay-per-mile insurance could be cheaper than a traditional full coverage policy in Texas.

📌 Best Pay-Per-Mile Insurance in Texas:
✔️ Metromile – Best for city drivers.
✔️ Allstate Milewise – Best for occasional drivers.
✔️ Nationwide SmartMiles – Best for work-from-home drivers.

🚗 Example: My dad switched to Nationwide SmartMiles and saved $400 per year since he only drives 6,000 miles per year.

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Final Thoughts: How My Dad Found the Most Affordable Full Coverage Auto Insurance in Texas

After shopping around, applying discounts, and adjusting his coverage, my dad chose GEICO because:
✅ It had the lowest full coverage rate for Texas drivers.
✅ He qualified for multiple discounts.
✅ He customized his policy to lower costs while keeping full protection.

💰 Final Cost Breakdown:
✔️ Before Shopping Around: $180/month
✔️ After Comparing Quotes & Adjusting Coverage: $140/month
✔️ Total Savings: $480 per year

🚗 Bottom Line: If you want affordable full coverage auto insurance in Texas, the best way to get great protection at an affordable price is to:
✔️ Compare quotes from Texas insurance providers.
✔️ Adjust your deductible and coverage limits for the best balance.
✔️ Apply all available discounts (safe driver, bundling, low mileage, etc.).
✔️ Consider pay-per-mile insurance if you drive less.

By following these steps, my dad found the perfect full coverage policy, saved over $400 per year, and kept his car fully protected—without overpaying! 🚗💰✅