Cheap Auto Insurance Quotes in Kingwood, TX, for 2023

Car Insurance in Kingwood, TX

On average, Kingwood drivers can expect to pay $262 per month for their auto insurance coverage, but this number depends on which insurance agency you buy from, your insurance needs, and a number of other factors. Don’t worry if this number looks out of your budget—there are ways to get a cheaper policy, and it starts with comparing car insurance quotes.

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Cheapest Car Insurance in Kingwood, TX

The cost for a car insurance policy in Kingwood has a wide range, but these numbers are never set in stone. Depending on whether you want the minimum amount of liability insurance or full coverage with extra add-ons, your rate can change. The insurer you choose to buy from, your driving record, and a number of other factors can also impact it.

Minimum Car Insurance Requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas^[1] are:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Kingwood Car Insurance Rates by Driving and Accident History

There are a number of different factors that can impact your car insurance rates, and one of the most significant is your driving record. If your history shows a long list of car accidents, speeding tickets, or violations, you might end up paying much more^[1]. One of the easiest ways to keep costs low is by being careful behind the wheel. Safe drivers get rewarded with savings.

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Kingwood Car Insurance Rates by Credit Tier

Like your driving record, your credit score can also really affect how much you pay for car insurance^[2]. What might just seem like a humble, single number can actually have a big impact on your financial well-being. While some states have outlawed using your credit score to figure out costs, others still use it as an indicator of your financial health and level of responsibility.

How to Get the Cheapest Car Insurance in Kingwood

There are plenty of ways to save on your policy. You can look for discounts or bundle auto with other existing policies you already own, like homeowners insurance, life insurance, renters insurance, or others. How much you pay also depends on whether you opt for the minimum liability coverage or want extra add-ons like collision coverage or protection from vandalism.

But you shouldn’t have to skimp on coverage to keep your loved ones safe. The easiest way to save is by shopping around first to make sure you get the best deal. It just takes a few minutes to compare car insurance quotes with Insurify. You can get free quotes without ever having to dial a phone number to speak with an agent.

Frequently Asked Questions