Best Texarkana, Texas Auto Insurance in 2024 (Find the Top 10 Companies Here)

Our top three best Texarkana, Texas auto insurance providers requirements are 30/60/25 according to Texas auto insurance laws. Finding cheapest auto insurance in Texarkana can seem like a difficult task, but all of the information you need is right here.

We’ll cover factors that affect auto insurance rates in Texarkana, Texas, including driving record, credit, commute time, and more.

Our Top 10 Company Picks: Best Texarkana, Texas Auto Insurance

Before you buy Texarkana, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Texarkana, Texas auto insurance quotes.

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#1 – State Farm: Top Overall Pick

Pros

• Extensive Agent Network: State Farm has the largest agent network in Texarkana, Texas, offering personalized service and local expertise, which makes it the best Texarkana, Texas auto insurance provider for those who prefer face-to-face interactions. This ensures quick claims processing and tailored policy adjustments specific to Texarkana needs.
• Bundle Discounts: By bundling auto insurance with home or life insurance, Texarkana drivers can save up to 17% on premiums, positioning State Farm as the best Texarkana, Texas auto insurance provider for comprehensive coverage needs, which you can discover in our State Farm review.
• Mobile App: State Farm’s user-friendly mobile app allows Texarkana drivers to manage their policies, file claims, and access roadside assistance, enhancing convenience and earning it the title of the best Texarkana, Texas auto insurance provider for tech-savvy customers.

Cons

• Increased Charges for Younger Motorists: State Farm often has higher rates for younger drivers in Texarkana, Texas, making it less appealing for families with teens, potentially disqualifying it from being the best Texarkana, Texas auto insurance option for all demographics.
• Limited Discounts for Low Mileage: Texarkana drivers who drive infrequently may find fewer low-mileage discounts with State Farm, which could affect its standing as the best Texarkana, Texas auto insurance provider for low-mileage drivers.

#2 – Geico: Best for Affordable Rates

Pros

• Lowest Starting Rates: Geico offers starting rates as low as $115 per month in Texarkana, making it the best Texarkana, Texas auto insurance option for budget-conscious drivers. Look at our Geico auto insurance review for an detailed review of their policy options.
• Telematics Program: With the DriveEasy program, Texarkana drivers can monitor their driving habits and receive discounts, offering a smart way to access the best Texarkana, Texas auto insurance rates.
• Online Quote Tool: Geico’s efficient online quote tool allows Texarkana drivers to easily compare rates and customize coverage, making it one of the best Texarkana, Texas auto insurance providers for those who prefer online convenience.

Cons

• Limited Local Agents: The smaller number of local agents in Texarkana, Texas, may deter drivers who prefer in-person service, slightly reducing Geico’s standing as the best Texarkana, Texas auto insurance provider for personalized assistance.
• Basic Coverage Options: While Geico offers affordability, it may fall short for those seeking comprehensive coverage options, which could limit its appeal as the best Texarkana, Texas auto insurance provider for fully customized policies.

#3 – Progressive: Best for Innovative Tools

Pros

• Name Your Price Tool: Progressive’s “Name Your Price” tool allows Texarkana drivers to set their budget and find matching coverage, positioning it as the best Texarkana, Texas auto insurance provider for budget transparency. Get all the details in Progressive auto insurance review for a full breakdown of their services.
• Large Commercial Auto Coverage: Progressive’s extensive commercial auto insurance options cater to Texarkana business owners, making it the best Texarkana, Texas auto insurance provider for businesses needing multiple vehicle coverage.
• Continuous Insurance Discount: Texarkana drivers who maintain continuous coverage can enjoy lower premiums over time, reinforcing Progressive’s status as the best Texarkana, Texas auto insurance provider for long-term savings.

Cons

• High Rates After Accidents: Progressive’s rates tend to increase significantly after an accident, which may challenge its standing as the best Texarkana, Texas auto insurance provider for accident-prone drivers.
• Mixed Customer Service Reviews: Some Texarkana customers report inconsistent customer service, which could impact Progressive’s reputation as the best Texarkana, Texas auto insurance provider in terms of customer satisfaction.

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#4 – Allstate: Best for Coverage Options

Pros

• Safe Driving Bonus: Allstate rewards safe drivers in Texarkana, Texas, with a cash bonus for every six months of accident-free driving, making it the best Texarkana, Texas auto insurance provider for those focused on safety. Discover comprehensive information in Allstate auto insurance review for an extensive insights into their insurance plans.
• New Car Replacement: Allstate’s New Car Replacement coverage ensures Texarkana drivers get full value if their car is totaled within the first two model years, enhancing its status as the best Texarkana, Texas auto insurance provider for new car owners.
• Claim Satisfaction Guarantee: Allstate offers a Claim Satisfaction Guarantee, providing peace of mind and solidifying its reputation as the best Texarkana, Texas auto insurance provider for reliable claims service.

Cons

• Higher Premiums: Allstate’s comprehensive coverage options often come with higher premiums, which could affect its ranking as the best Texarkana, Texas auto insurance provider for budget-conscious drivers.
• Limited Availability of Discounts: Allstate’s discounts may not be as extensive as other providers, potentially reducing its appeal as the best Texarkana, Texas auto insurance provider for those seeking maximum savings.

#5 – Farmers: Best for Personalized Service

Pros

• Highly Customizable Policies: Farmers allows Texarkana drivers to tailor their policies with numerous add-ons, making it the best Texarkana, Texas auto insurance provider for those seeking personalized coverage.
• Rental Car Reimbursement: Farmers provides rental car reimbursement, which can be invaluable for Texarkana drivers during repairs, positioning it as the best Texarkana, Texas auto insurance provider for convenience.
• Claims-Free Discount: Farmers rewards Texarkana drivers who maintain a claims-free record with discounts, making it a strong contender for the best Texarkana, Texas auto insurance provider for safe drivers. Explore the full scope of Farmers auto insurance review for an in-depth analysis of their coverage plans.

Cons

• Higher Premiums: Farmers’ extensive customization options can lead to higher premiums, which may impact its ranking as the best Texarkana, Texas auto insurance provider for those seeking lower costs.
• Limited Online Tools: Texarkana drivers may find Farmers’ online tools less comprehensive than those offered by competitors, which could reduce its appeal as the best Texarkana, Texas auto insurance provider for tech-savvy customers.

#6 – USAA: Best for Military Discounts

Pros

• Exclusive Military Benefits: USAA offers specialized benefits for military members and their families in Texarkana, Texas, including discounts and coverage options tailored to active-duty and retired personnel. This makes USAA the best Texarkana, Texas auto insurance provider for military families.
• Outstanding Service Experience: USAA consistently receives high marks for customer satisfaction, ensuring that Texarkana drivers receive top-notch support, making it a standout as the best Texarkana, Texas auto insurance provider for service quality. Discover USAA auto insurance review for a comprehensive overview of their coverage plans
• Flexible Payment Plans: USAA offers flexible payment options, allowing Texarkana drivers to choose plans that fit their financial situations, reinforcing its position as the best Texarkana, Texas auto insurance provider for budget flexibility.

Cons

• Membership Restrictions: USAA’s membership is limited to military members, veterans, and their families, which excludes many potential customers from accessing the best Texarkana, Texas auto insurance benefits offered by USAA.
• Limited Local Presence: Although USAA offers excellent online services, the lack of local agents in Texarkana, Texas, might be a downside for those who prefer face-to-face interactions, which could affect its appeal as the best Texarkana, Texas auto insurance provider for in-person service.

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#7 – Nationwide: Best for Flexible Coverage

Pros

• Gap Coverage: Nationwide offers gap insurance that covers the difference between a vehicle’s value and the amount owed, positioning it as the best Texarkana, Texas auto insurance provider for high-value vehicle owners.
• On Your Side Review: Nationwide provides annual policy reviews to ensure Texarkana drivers have the best coverage, reinforcing its status as the best Texarkana, Texas auto insurance provider for ongoing policy optimization. Look into  Nationwide auto insurance review for full assessment of their insurance plans.
• Total Loss Deductible Waiver: Nationwide’s total loss deductible waiver benefits Texarkana drivers by waiving the deductible if the car is totaled, making it a prime choice for the best Texarkana, Texas auto insurance coverage in total loss situations.

Cons

• Average Customer Service Ratings: Nationwide’s customer service ratings are average, which may deter some Texarkana drivers who prioritize service quality, potentially reducing its appeal as the best Texarkana, Texas auto insurance provider.
• Higher Rates for Comprehensive Coverage: Texarkana drivers may find that Nationwide’s comprehensive coverage comes at a higher cost, which could impact its reputation as the best Texarkana, Texas auto insurance provider for budget-friendly options.

#8 – Liberty Mutual: Best for Comprehensive Options

Pros

• Comprehensive Discounts: Liberty Mutual offers a wide range of discounts, including for bundling policies, safe driving, and new vehicles, making it the best Texarkana, Texas auto insurance provider for those seeking significant savings.
• Timeless Repair Coverage: Liberty Mutual provides a lifetime repair guarantee when using approved repair shops, which is a valuable benefit for Texarkana drivers, reinforcing its status as the best Texarkana, Texas auto insurance provider for long-term vehicle care.
• Better Car Replacement: Liberty Mutual’s Better Car Replacement policy replaces a totaled car with a newer model, making it an ideal choice for Texarkana drivers seeking the best Texarkana, Texas auto insurance for vehicle upgrades, as mentioned in our Liberty Mutual auto insurance review.

Cons

• Higher Rates for Certain Drivers: Texarkana drivers with less-than-perfect records may face higher rates with Liberty Mutual, which could affect its appeal as the best Texarkana, Texas auto insurance provider for high-risk drivers.
• Customer Service Variability: Liberty Mutual’s customer service reviews are mixed, which might concern Texarkana drivers who prioritize consistent service, potentially reducing its standing as the best Texarkana, Texas auto insurance provider.

#9 – Travelers: Best for Customizable Policies

Pros

• Hybrid/Electric Vehicle Discount: Travelers offers discounts specifically for hybrid and electric vehicles, making it the best Texarkana, Texas auto insurance provider for environmentally conscious drivers. For a full exploration, see Travelers auto insurance review for a detailed insights into their policy options.
• IntelliDrive Program: Texarkana drivers can take advantage of Travelers’ IntelliDrive program to earn discounts based on safe driving habits, positioning it as a top choice for the best Texarkana, Texas auto insurance provider for tech-savvy customers.
• New Car Replacement: Travelers provides new car replacement coverage, which is especially beneficial for Texarkana drivers with new vehicles, enhancing its reputation as the best Texarkana, Texas auto insurance provider for new car owners.

Cons

• Limited Local Agents: Travelers has a smaller local presence in Texarkana, Texas, which could be a drawback for those who prefer in-person service, potentially reducing its appeal as the best Texarkana, Texas auto insurance provider.
• Higher Premiums for Specialty Vehicles: Texarkana drivers with specialty or luxury vehicles may find Travelers’ premiums higher, which could impact its ranking as the best Texarkana, Texas auto insurance provider for high-value vehicles.

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#10 – The Hartford: Best for AARP Discounts

Pros

• AARP Member Discounts: The Hartford offers exclusive discounts for AARP members, making it the best Texarkana, Texas auto insurance provider for seniors and retirees who are AARP members, as mentioned in our The Hartford auto insurance review.
• Excellent Claims Service: The Hartford is renowned for its efficient and responsive claims service, ensuring that Texarkana drivers have a smooth experience when filing claims, reinforcing its reputation as the best Texarkana, Texas auto insurance provider for claims handling.
• Lifetime Coverage for Repairs: The Hartford provides a lifetime guarantee on repairs done at approved shops, adding significant value for Texarkana drivers concerned about long-term vehicle maintenance, making it a top choice for the best Texarkana, Texas auto insurance.

Cons

• Higher Rates for Younger Drivers: The Hartford’s premiums can be higher for younger drivers or those with less driving experience, which might affect its appeal as the best Texarkana, Texas auto insurance provider for those looking for lower rates.
• Limited Availability of Some Discounts: Some of The Hartford’s discounts may not be available in all areas, including Texarkana, Texas, potentially limiting its benefits for certain drivers and affecting its overall standing as the best Texarkana, Texas auto insurance provider.

Minimum Auto Insurance in Texarkana, Texas

Texarkana, Texas auto insurance laws require that you have at least the Texas car insurance requirements to be financially responsible in the event of an accident. Take a look at the required auto insurance in Texarkana, Texas.

In Texarkana, Texas, the minimum required auto insurance coverage includes liability insurance with specific limits. Drivers must carry bodily injury liability coverage of at least $30,000 per person and $60,000 per accident.

Additionally, property damage liability coverage must meet a minimum limit of $25,000. These requirements ensure that drivers have the necessary financial protection in the event of an accident.

Cheap Texarkana, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Texarkana, Texas are influenced by factors such as age, gender, and marital status. For instance, annual premiums vary significantly across different demographics.

Married 35-year-old females pay up to $275 per month with Allstate, while married 60-year-old males benefit from lower rates, such as $131 per month with USAA. Teen drivers face the highest costs, with single 17-year-old males paying as much as $981 per month with Progressive.

For those seeking cheap auto insurance for drivers over 60, rates can be more affordable, with USAA offering $131 per month for married 60-year-old males. These variations highlight the importance of comparing rates based on personal factors to secure the best coverage in Texarkana.

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Cheap Texarkana, Texas Auto Insurance By Driving Record

In Texarkana, Texas, monthly rates for a clean record are notably lower compared to those with a bad record. For instance, State Farm offers the lowest rate of $224 per month for drivers with a clean record, while rates increase to $258 with one accident, $304 with one DUI, and remain $224 with one speeding violation.

Understanding the DWI vs. DUI differences can be crucial, as USAA provides the most affordable DUI insurance at $278 per month. Comparatively, Allstate’s rates are highest, reaching $531 per month with a DUI.

For those seeking cheap insurance after a DUI, it’s important to compare monthly rates across different companies.

Cheap Texarkana, Texas Auto Insurance Rates By ZIP Code

Quoting auto insurance rates by ZIP code in Texarkana, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Texarkana, Texas to see how car insurance rates are affected by location.

The Cheapest Texarkana, Texas Auto Insurance Companies

Wondering which auto insurance companies in Texarkana, Texas offer the cheapest rates? Compare the top providers to find the best monthly rates, including options for cheap online-only auto insurance. For instance, State Farm leads with an average monthly rate of $253, while USAA offers the lowest at $214.

Geico and Nationwide are also competitive with rates of $3,443 and $3,626, respectively. In contrast, Allstate has the highest rate at $5,091, highlighting the importance of comparing options to secure the best deal.

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Factors That Affects auto insurance rates in Texarkana, Texas

Auto insurance rates in Texarkana, Texas can be influenced by a range of local factors. Among the key factors that affect auto insurance rates is the increase in vehicle thefts; the FBI reports 139 auto thefts in Texarkana, leading to higher insurance claims and elevated costs.

Commute times also play a role, with the average in Texarkana being 17.3 minutes, as noted by City-Data. Longer commutes typically lead to higher insurance premiums due to the increased risk of accidents.

Additionally, Texarkana’s traffic congestion contributes to insurance rates; it ranks 971st worldwide in congestion according to Inrix, which can lead to more frequent claims and higher premiums. Each of these factors can affect the overall cost of auto insurance in Texarkana.

Compare Texarkana, Texas Auto Insurance Quotes

Before purchasing auto insurance in Texarkana, Texas, compare rates from the cheapest auto insurance companies to ensure you’re getting the best deal. By comparing cheap online quotes, you can find affordable coverage that meets your needs, saving both time and money.

Enter your ZIP code below to receive free quotes from various providers and make an informed decision about your Texarkana auto insurance.

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