Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Texas

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Texas Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

16849Reviewed

10116Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Crosby

Expertise.com Rating

Why choose this provider?

Marek Insurance Agency is a local company that has been serving Texas communities since 1983. As the best agency in the area, it provides personal auto insurance coverage while considering different factors such as the vehicle type, driving history, and the frequency or distance that the car is driven. Commercial auto insurance is available for businesses who want to secure their vehicles and employees. The agency offers classic car insurance for replicas, antique models, collector cars, or military vehicles.

San Juan

Expertise.com Rating

Review Sources

Google
4.7 (57)
Facebook
4.1 (16)
Yelp
2.5 (2)

Why choose this provider?

Rick Puente Insurance is an agency that has been serving Texas since 2001. It provides insurance coverage options for cars, homes, motorcycles, life, floods, and businesses. Its team communicates with clients in person or over the phone to determine their needs and preferences when planning for their future. In addition, the agency offers professional payroll assistance and notary public services for small and large businesses. Its professionals have also assisted in the startup of more than 200 companies.

Magnolia

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Why choose this provider?

Prodigy Insurance Group is an independently owned and locally operated agency serving Texas communities. It offers a wide range of personal and commercial auto insurance coverage options, including personal injury protection, medical payments, and non-owned liability. The policies cover unexpected circumstances like fire, theft, or accidents. Its team of professionals guides clients in choosing the best insurance coverage tailored to their needs from multiple carriers such as Chubb, Hagerty, and Berkley One Classics. The agency is a member of the Greater Magnolia Parkway Chamber of Commerce.

Edinburg

Expertise.com Rating

Review Sources

Google
4.8 (131)
Yelp
5.0 (1)

Why choose this provider?

Juan Cazares, a State Farm insurance agent for 21 years, caters to clients in Texas. He helps car owners protect themselves, their families, and their finances in case of an accident by providing them with a broad range of auto insurance coverage options, including comprehensive, collision, rental, and rideshare. He also offers business, life, health, and homeowners' insurance and assists customers with out-of-state-transfers. Cazares is a Million Dollar Round Table, President's Club, Chairman's Circle, and Ambassador Travel qualifier.

McKinney

Expertise.com Rating

Why choose this provider?

Mike Johnson is a State Farm insurance agent providing 24/7 assistance to Texas individuals and businesses. He offers a wide range of car insurance coverage options for teen drivers, along with protection for rental and sports cars. The policies provide coverages like collision, comprehensive, rideshare, rental reimbursements, or even 24/7 roadside assistance. Johnson also presents the best insurance plans for pets, businesses, and homes. He participates in the mentoring program of McKinney ISD.

Pasadena

Expertise.com Rating

Review Sources

Google
4.6 (62)
Facebook
5.0 (11)
Yelp
1.0 (1)

Why choose this provider?

Friends Insurance Agency II LLC is a family-owned local company that has been operating in Texas since 1994. It offers personal and commercial auto insurance policies with full, liability, and SR-22 coverages. Its independent agents are available for same-day services for clients who have completed the paperwork and collected the necessary documents. They receive ongoing training to keep up-to-date with industry trends and practices. The agency also provides insurance coverage options for homeowners, businesses, and recreational vehicles.

Houston

Expertise.com Rating

Review Sources

Google
4.9 (18)
Facebook
4.9 (14)
Yelp
3.3 (3)

Why choose this provider?

In Texas, Pasadena Insurance Agency, Inc. offers customized products. It caters to vehicle owners and drivers who are looking for car insurance. The independent firm offers liability, comprehensive, and collision insurance, as well as assistance in obtaining reimbursements for vehicle damage and medical expenses. There are additional policies for emergency road service and uninsured motorist protection. Pasadena Insurance Agency has been in the insurance industry for almost 80 years. It is a member of the National Association of Independent Insurance Agents and Brokers.

Temple

Expertise.com Rating

Review Sources

Google
5.0 (80)
Facebook
5.0 (34)
Yelp
5.0 (4)

Why choose this provider?

Tyler Jermstad is a State Farm insurance agent who has been serving Texas since 2015. He offers a wide range of car insurance coverage options for teen drivers and protection for rental and sports cars. In addition to having 24/7 roadside assistance coverage, the policies provide collision, comprehensive, rideshare, and rental reimbursements. Jermstad also offers home, business, and pet insurance. He is a member of the Belton Chamber of Commerce and an associate member of the Temple Area Builders Association.

San Angelo

Expertise.com Rating

Review Sources

Google
4.9 (431)

Why choose this provider?

San Angelo Insurance & Fast Tax has been serving clients for more than 15 years. The business is among the best insurance companies in Texas offering car policies that protect car owners from financial losses in case of accidents causing injury and property damage claims. Its client base includes new drivers getting their first auto insurance and existing policyholders looking to enhance their coverages. The company also insures commercial vehicles, boats, motorcycles, RVs, and ATVs.

Mission

Expertise.com Rating

Review Sources

Google
5.0 (217)
Facebook
5.0 (55)

Why choose this provider?

Raymond Longoria Insurance is an agency that has been serving Texas families and businesses since 1988. It partners with a variety of companies to provide personal and commercial auto insurance plans, including Allstate, Progressive, and Safeco. Its team of independent agents guides work to craft the best insurance policy by analyzing a client's needs, designing a protection program, and deliberating with the client on the subsequent proposal. The agency also reviews the policies periodically to evaluate if they align with the client's changing needs.

League City

Expertise.com Rating

Review Sources

Google
4.9 (97)
Facebook
4.7 (24)
Yelp
1.0 (1)

Why choose this provider?

Robinson Family Insurance has been protecting individuas and businesses in Texas through its customizable protection plans since 1993. Its team writes policies for drivers and to owners of recreational vehicles, boats, and motorcycles. They also provide windstorm, flood, and homeowners' insurance policies. The risk management professionals review and compare policies from a number of carriers such as Safeco, Mercury, Travelers, Progressive, and The Hartford, allowing them to find coverage options that best suit clients' unique needs.

McKinney

Expertise.com Rating

Why choose this provider?

Mike Johnson is a State Farm agent offering the best insurance services in Texas. He educates clients about a wide range of car insurance coverage options for teen drivers and those with rental and sports cars. In addition to bringing over 10 years of experience in the field, his team speaks English, Spanish, and French. The agency's car insurance policies include collision, comprehensive, and rideshare coverage. Johnson has extensive experience in working at national banks.

Fort Worth

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
4.6 (7)

Why choose this provider?

Serving Texas, All-Integrity Insurance Agency brings more than 18 years of experience in the industry. This insurance agency offers car, motorcycle, boat, and commercial auto insurance products. It also helps individuals secure their future and protect their loved ones and finances through life and health insurance policies. Mexico travel insurance is also available. In addition to insurance products, All-Integrity Insurance Agency accepts walk-in clients and individuals with appointments needing tax preparation, planning, and bookkeeping services.

Lake Jackson

Expertise.com Rating

Why choose this provider?

Best Insurance Services, Inc. - Lake Jackson is a family business that has been serving Texas communities since 1979. It offers auto insurance policies that protect clients from financial losses due to unforeseen circumstances like accident, theft, and bodily injury or property damage liability. Commercial auto insurance is available for business owners. Its team of independent agents represents a variety of the best carriers, including Myron Steves, SageSure, and Lighthouse. The local agency also provides insurance coverage options for homeowners, floods, and windstorms.

Laredo

Expertise.com Rating

Review Sources

Facebook
4.8 (30)
Google
4.8 (17)

Why choose this provider?

Americorp Insurance Group LLC is an independent multi-line agency serving individuals and businesses in Texas. It offers car insurance policies that pay for damage and repair costs after an accident, theft, vandalism, and other unforeseen events. Its team of insurance professionals offers policy reviews and assists clients in determining the policies and coverage options that suit their individual circumstances and needs. The agency represents multiple insurance companies. It has been helping clients manage risks for more than nine years.

McAllen

Expertise.com Rating

Review Sources

Google
3.9 (288)
Facebook
4.1 (83)
Yelp
1.0 (2)

Why choose this provider?

Bridgepoint Insurance Agency & Permit Center, LLC, is a full-service company that has been operating in Texas for more than 25 years. It offers auto insurance policies for residents and foreign nationals from Mexico and Canada. Its team of professionals represents multiple insurance carriers to provide tailored coverages, including liability. The agency also assists commercial trucking companies with permits and compliance regulations. It supports the local community by participating in charity donations and blood drives with its signature mascot, Mr. Placa.

San Angelo

Expertise.com Rating

Why choose this provider?

PK Kelley Insurance Agency, LLC is an independent company operating in Texas. It provides the best car insurance plans that protect clients from financial losses caused by car-related damages, injuries from an accident, and even lawsuits as a result of the incident. Its team of professionals presents policies from various insurance carriers such as BlueCross BlueShield, Texas Mutual, and Principal Financial Group. The agency also offers insurance coverage options for motorcycles, boats, and homes. It guides clients with filing a claim or managing their policies.

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.