According to Texas Department of Transportation’s database there were 1,578 car crashes in Denton during 2021’s first half. Denton’s best car insurance will provide financial protection in the event of an accident. Texas law requires that all vehicle owners have adequate coverage. Denton’s average car insurance cost is $537/year for minimum coverage and $1,714/year for full coverage.
There are ways to get lower premiums that the average cost of vehicle insurance according to Bankrate. We looked at the providers offering the cheapest car insurance in Denton, as well as other factors such as customer satisfaction ratings and policy options to bring you the top cheap carriers in the area.
Denton’s best car insurance companies
The following carriers are a combination of cheap car insurance companies and highly-rated ones. The rates charged by the providers must be lower than the average, but still provide high levels of customer satisfaction. J.D. J.D. Power is a great resource for customer ratings. The annual independent survey surveys policyholders to get their opinions on the insurance company’s responsiveness and car insurance rates. It also examines claims processes and product availability.
USAA
USAA is our top-ranked car insurance company in Denton. Minimum insurance rates average less than $35 per monthly. The J.D. The USAA received the highest score in the J.D. Power customer satisfaction survey, which was 878 out 1000. USAA is not officially ranked by J.D. because of its inability to be available. Power’s study. USAA is a membership-based organisation that is only available to former and current military personnel and their families.
Geico
Geico, which offers low rates comparable to USAA, is an excellent option for Denton drivers who are not military-affiliated. Geico offers many discounts that can help you save. Among the 16 discounts available from the carrier, there are potential discounts for safe driving, vehicle equipment, military, vocational and company affiliation available. Geico’s mobile app allows drivers in Denton to manage their accounts. This includes the ability to file claims, manage policies, and contact customer service representatives.
All over the country
Denton residents, in general, are safe drivers when compared to other Texas areas. The average number of crashes reported in the first half 2021 was 265 per month. Drivers from Denton who have not been involved in an accident or received speeding tickets may be eligible for a Nationwide safe driver discount up to 10%. Even if your driving record has some blemishes, you could sign up for Smart Ride and download the app. This program tracks your driving habits to reduce your premiums. Enrolling in the app and downloading it will give you a 10% discount on your premiums. You can also get up to 40% off depending on how you drive.
Fred Loya
Fred Loya offers non-standard car insurance to vehicle owners who are unable to get coverage elsewhere. Drivers looking for full coverage are likely to pay more, but basic coverage that meets the minimum state requirements is still affordable. Fred Loya coverage is not available for high-risk drivers. However, SR-22 and personal injuries protection are available.
Denton has the lowest car insurance
Denton’s rate of $1,714 per year for full coverage is slightly lower than the average Texas premium of $1,823. Although the top Denton car insurance providers have low rates, there are some less-reputable options due to customer reviews and limited offerings. The following major insurance companies are ranked in order of their rates.
USAA and Geico are neck and neck for coverage. However, USAA is available only to select military personnel and their families. For full-coverage drivers, Nationwide offers the lowest premiums. Allstate has the most local representation in Denton, with three agents in town. Mercury is the best choice for low-cost coverage if you’re a high-risk driver. While rates are among the highest of the five most expensive carriers, they are still relatively affordable compared to what other insurers charge drivers for multiple tickets or accidents.
Insurance requirements for Denton
To legally drive, Denton vehicle owners must have a minimum amount of car insurance. At least:
- $30,000 per person in bodily injury
- $60,000 per accident in bodily injury
- $25,000 in property damage per accident
Texas also requires that PIP insurance be included on all policies. You can only refuse to accept this coverage by notifying your insurer in writing.
As a guideline, the minimum amount should not exceed $5000. Higher limits will help you avoid having to pay out of pocket for more severe losses. Liability coverage does not cover damages or losses to your vehicle. The minimum coverage is only designed to cover minimal third-party injuries.
Denton: Car insurance discounts
Denton drivers can save even more by taking advantage discount offered by insurance companies like:
- Bundling: Almost half of the residents in Denton own their homes. The premiums for auto and home insurance may be lower if they are purchased from the same company.
- Low mileage: Drivers who drive a minimum of 20 miles per hour or work remotely may be able to save more.
- Good student: Inexperienced drivers tend to pay more for car insurance. If they are a good student, they may be eligible for a discount.
- Anti-theft: Vehicle theft and burglary are some of the top crimes in town. You may be eligible for a discount on your car insurance if you have a security system installed in your car.
Bundling coverages can bring you the greatest savings. Discounts may be available for all policies that are bundled. Students and teens should benefit from the student discount. This can help to reduce the premiums that young drivers often pay.
Questions frequently asked
Which is the best auto insurance company?
It is a good idea to compare quotes and then research customer ratings to determine which company offers the best car insurance. The best car insurance companies based on Bankrate’s research into financial strength, policy options and rates include USAA, Geico, Amica and State Farm.
What are the Denton car insurance rates compared to Texas?
Texas’ average car insurance cost is $524 per year for minimum coverage and $1,823 per year for full coverage. Denton rates are 537/$1,714.