According to Bankrate’s 2021 study on annual premiums, Wichita Falls drivers pay $461 annually for minimum coverage and $1810 for full coverage. These rates are comparable for drivers from Texas but slightly higher than the $1,674 annual national average for full coverage.
Bankrate looked at a variety of factors to determine which carriers offer the best value for customers. To create a list listing the top car insurance companies in Wichita Falls, we considered coverage options, rates and customer service ratings.
The best car insurance companies near Wichita Falls
All of the top options for Wichita Falls car insurance are State Farm, Geico and Fred Loya. Each carrier has its own advantages and competitive rates.
USAA
USAA is available to active military personnel, veterans and their immediate families. You can get rideshare coverage if you meet the eligibility requirements. There are many discounts available, depending on your years with USAA, safe driving and defensive driving, and other factors.
Geico
Geico scores well on the J.D. Geico scored an 846 score out of 1000 on the J.D. Power list — well above the regional average. Geico provides the standard list of coverage options. However, you might find the mechanical break coverage useful. After meeting a $250 deductible, this option is similar to an extended vehicle warranty. You will receive reimbursement for any expenses related to vehicles.
Fred Loya
Fred Loya, an insurance company located in El Paso Texas, is called Fred Loya. This insurance company is traditionally targeted at high-risk drivers and offers coverage options and discounts for those who cannot purchase insurance from other companies. Fred Loya provides basic, SR-22, and other options for drivers who are unable or unwilling to obtain insurance due to bad credit, driving history, or any other reason.
State Farm
State Farm is the largest US auto insurance provider. It offers many coverage options, discounts, and digital assets. State Farm makes it easy to manage your policy from your smartphone. The app lets you make changes to your policy and contact an agent to file a claim. State Farm gives you plenty of options for customer service via the toll-free number, one of average of $1.674. If you look at Texas in general, Texasans pay $524 per year for minimum coverage and $1,823 to get full coverage.
The cheapest car insurance rates in Wichita Falls was found to be offered by Nationwide, Geico and State Farm. These carriers offer great benefits, such as strong financial strength ratings by AM Best, multiple coverage options, discount options, and digital assets. Mercury is not on the J.D. Power list. Mercury is the only carrier that does not allow you to submit a claim via the app.
Wichita Falls insurance requirements
Texas requires a best car insurer, Bankrate considers several factors. Each carrier is evaluated for their customer service ratings, rates and coverage options. They also receive financial strength. Bankrate considers Amica, Geico and USAA to be the top choices.
What is the cost of car insurance in Wichita Falls?
Wichita Falls’ average cost for car insurance is $461 annually for a minimum coverage policy, and $1810 annually for full coverage. Remember that these rates are only representative and that your rates will vary depending on your personal circumstances. Rates may vary depending on factors such as your zip code, credit score and marital status.
