Cheap Car Insurance in Conroe
Lowest Premium
$372 / YEAR
Average Premium
$559 / YEAR
Highest Premium
$832 / YEAR
The average annual premium in Conroe is around $559 and can go upto $832. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.
Texas Car Insurance Minimum Requirement by Law
As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:
- $30,000 coverage for all types of bodily injury suffered by one individual in one accident
- Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
- Damage to property or injury to others in one accident is $25,000.
Jump to Topic:
Best Car Insurance Companies in Texas and Rates Offered
The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.
Company | Annual premium (50/100/50) | Market share | Complaints |
---|---|---|---|
GEICO | $350 | 6.00% ($1,151,485,019) | 1 |
Farmers | $385 | 7.98% ($1,530,613,603) | 2 |
State Farm | $390 | 16.03% ($3,074,590,659) | 119 |
Allstate | $495 | 7.38% ($1,416,050,038) | 4 |
Liberty Mutual | $550 | 4.36% ($836,938,040) | 64 |
Progressive | $660 | 8.75% ($1,678,264,745) | 0 |
Get Cheap Car Insurance Quotes in Your Area
We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.
Car Insurance Rates in Conroe by ZIP codes
The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Conroe. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.
Zip | Avg. Premium |
---|---|
77301 | $556 |
77302 | $555 |
77303 | $560 |
77304 | $544 |
77305 | $580 |
77384 | $552 |
Insurance Agents in Conroe, TX and Near by
-
0 miRobert Foree903 N Loop 336 W Ste G, Conroe, TX 77301(936) 756-0356
-
0 miTexas Farm Bureau Insurance405 N Loop 336 W, Conroe, TX 77301(936) 756-4461
-
0 miFreeway Insurance2017 N Frazier, Conroe, TX 77301(936) 225-5997
-
0 miBob Hataway1712 N Frazier St Ste 201, Conroe, TX 77301(936) 756-4458
-
0 miJim Daugherty1616 N Frazier St Ste D, Conroe, TX 77301(936) 539-5391
-
0 miAutopartners Insurance Agency1647 N Frazier St Ste 101, Conroe, TX 77301(936) 494-2300
-
0 miBeathard Insurance Agency412 N 1st St, Conroe, TX 77301(936) 756-0960
-
0 miJoel Gonzalez812 W Dallas St Ste 90, Conroe, TX 77301(936) 539-1122
-
0 miCozart Insurance932 W Dallas St Ste D, Conroe, TX 77301(936) 270-7187
-
0 miLupe Martinez1112 W Dallas St, Conroe, TX 77301(936) 756-1166
-
0 miGlenn Insurance Agency800 Houston St, Conroe, TX 77301(936) 788-5800
-
0 miTWFG Insurance Services - Amber Pillsbury900 W Davis St Ste 210, Conroe, TX 77301(281) 705-6496
-
0 miLucila Karp900 W Davis St Ste 206, Conroe, TX 77301(936) 441-4988
-
0 miSoules Insurance Agency701 N San Jacinto St, Conroe, TX 77301(936) 756-0671
-
0 miShbaita, Inc1500 S Frazier St Ste B, Conroe, TX 77301(936) 756-9786
-
0 miClaudia Rendon1300 S Frazier St Ste 216, Conroe, TX 77301(936) 206-7990
-
0 miLuis Hernandez701 N Loop 336 E, Conroe, TX 77301(832) 813-8337
-
0 miSouthern Insurance Advisors1300 S Frazier St Ste 105, Conroe, TX 77301(832) 777-5562
-
0 miETA Enterprises729 E Davis St, Conroe, TX 77301(936) 539-9263
-
0 miGray's Insurance Agency310 S 1st St, Conroe, TX 77301(936) 756-6694
-
0 miRobert Powell114 W Lewis St, Conroe, TX 77301(936) 756-8975
-
0 miKenneth Nickolas126 W Davis St, Conroe, TX 77301(936) 788-6200
-
0 miBill Cochran Jr.128 W Davis St, Conroe, TX 77301(936) 441-9565
-
0 miTWFG Insurance Services - Tim Martin704 N Thompson St #165, Conroe, TX 77301(281) 466-1373
-
0 miTWFG Insurance Services - Mark Glaug236 N Main St Ste C, Conroe, TX 77301(817) 756-9469
-
0 miTWFG Insurance Services - Kent Hineman236a Simonton St, Conroe, TX 77301(936) 524-6919
-
0 miTyler Insurance414 W Phillips St Ste 104, Conroe, TX 77301(936) 441-5520
-
0 miAwbrey Insurance612 S Frazier St, Conroe, TX 77301(936) 441-8661
-
0 miJoe Yardas Insurance Agency100 Interstate 45 N Ste 200 # 200, Conroe, TX 77301(936) 756-1020
-
0 miMetLife Auto & Home - Joel Bowley100 Interstate 45 N Ste 122, Conroe, TX 77301(936) 828-3918
-
4.99 miHeather Wacasey1505 League Line Rd, Conroe, TX 77304(936) 228-7580
-
4.99 miMatt Springer1140 N Fm 3083 Rd W Ste 400, Conroe, TX 77304(936) 441-3276
-
4.99 miTexas Essential Insurance Agency2501 Interstate 45 N Ste A, Conroe, TX 77304(936) 539-5199
-
4.99 miAdam Miller2200 N Fm 3083 Rd W, Conroe, TX 77304(936) 525-3281
-
4.99 miCMI of Texas Insurance Group2040 N Loop 336 W Ste 318, Conroe, TX 77304(936) 703-5096
-
4.99 miTWFG Insurance Services - Cory Cannon2040 N Loop 336 W Ste 210, Conroe, TX 77304(936) 703-5049
-
4.99 miKaren Ehlers Insurance Agency2040 N Loop 336 W Ste 122, Conroe, TX 77304(936) 828-2503
-
4.99 miChristopher Lawrence Batten2251 N Loop 336 W Ste D, Conroe, TX 77304(936) 321-5555
-
4.99 miGoosehead Insurance - Kristee Boscarino2251 N Loop 336 W Ste C, Conroe, TX 77304(936) 689-4728
-
4.99 miMichael Porter3708 W Davis St Ste A, Conroe, TX 77304(713) 299-0272
-
4.99 miSteven Salar3708 W Davis St Ste A, Conroe, TX 77304(936) 468-4771
-
4.99 miMack Barnhill3706 W Davis St, Conroe, TX 77304(936) 756-2240
-
4.99 miPremier Group Insurance - Wade Edwards3706 W Davis St Ste C, Conroe, TX 77304(936) 718-6785
-
4.99 miLee Insurance Group4996 W Davis St, Conroe, TX 77304(936) 788-5555
-
4.99 miTracy Irvine4900 W Davis St Ste F, Conroe, TX 77304(936) 760-3370
-
4.99 miDavid H Funderburg2 Barkwood Cir, Conroe, TX 77304(936) 441-8072
-
4.99 miBeathard Insurance Agency3500 W Davis St Ste 240, Conroe, TX 77304(936) 756-0988
-
4.99 miDavid Kerr3401 W Davis St Ste G, Conroe, TX 77304(936) 756-7011
-
4.99 miTWFG Insurance Services - Charles D Moore Insurance Agency3307 W Davis St, Conroe, TX 77304(936) 539-0345
-
4.99 miBSI Insurance Services109 Wroxton Dr, Conroe, TX 77304(888) 447-1004
-
4.99 miKing Insurance Solutions12603 Highway 105 W Ste 201, Conroe, TX 77304(936) 242-6877
-
4.99 miTWFG Insurance Services - Caleb Vinson12603 Highway 105 W Ste 301, Conroe, TX 77304(936) 588-7555
-
4.99 miGrayless-Cannon Insurance Group2508 W Davis St Ste 104, Conroe, TX 77304(936) 760-2220
-
4.99 miIrene Guajardo2508 W Davis St Ste 101, Conroe, TX 77304(936) 756-2800
-
4.99 miTWFG Insurance Services - Sean Meyers303 Longmire Rd Unit 701, Conroe, TX 77304(936) 760-5963
-
4.99 miSouthern Star Insurance Agency122 Commercial Cir Ste 200, Conroe, TX 77304(936) 756-2222
-
4.99 miLane Galloway206f S Loop 336 W, Conroe, TX 77304(936) 539-1865
-
4.99 miGeorge Demontrond III888 I 45 S, Conroe, TX 77304(936) 442-7380
-
4.99 miDan Ferrante333 N Rivershire Dr Ste 200, Conroe, TX 77304(936) 756-4321
-
4.99 miDale R Inman1418 N Loop 336 W, Conroe, TX 77304(936) 760-1104
-
4.99 miCourtney Weidner945 Sgt Ed Holcomb Blvd S, Conroe, TX 77304(936) 441-3517
-
4.99 miJustin Hicks13921 Highway 105 W Ste 157, Conroe, TX 77304(936) 756-7077
-
4.99 miTexas Insurance Services96 Beach Walk Blvd Ste 205, Conroe, TX 77304(936) 788-2144
-
4.99 miMainStreet Consulting Group14500 Highway 105 W, Conroe, TX 77304(936) 448-6744
-
5.71 miJack Popham2407 N Frazier St, Conroe, TX 77303(936) 756-1531
-
5.71 miSouthern Group Insurance Services2204 Sunpark Dr, Conroe, TX 77303(936) 441-8830
-
6.21 miGoosehead Insurance - Ashley Dolan150 Pine Forest Dr Ste 801b, Conroe, TX 77384(936) 224-4160
-
6.21 miJared Dolan150 Pine Forest Dr Ste 801, Conroe, TX 77384(936) 321-0158
-
6.21 miNicholas Poore150 Pine Forest Dr Ste 202, Conroe, TX 77384(832) 263-6673
-
6.21 miStephen Bransburg9420 College Park Dr Ste 140, Conroe, TX 77384(936) 321-4270
-
6.21 miThe Right Agency9420 College Park Dr Ste 140, Conroe, TX 77384(936) 321-4270
-
6.21 miCody McCown3600 Fm 1488 Rd Ste 150, Conroe, TX 77384(281) 826-9003
-
6.21 miJames Pearson469 Fm 1488 Rd Ste 102, Conroe, TX 77384(936) 321-4900
-
7.42 miExcel Insurance Agency15917 Fm 3083 Rd Ste 4, Conroe, TX 77302(936) 446-2600
-
7.42 miGary Brisco724 Vicksburg Ct, Conroe, TX 77302(936) 321-3124
-
7.42 miJeffrey Peterson11133 Interstate 45 S Ste 110, Conroe, TX 77302(281) 319-6222
-
7.5 miTWFG Insurance Services - Todd Golden16100 Firetower Rd, Conroe, TX 77306(936) 537-8611
-
8.26 miAAA Insurance27726 I-45 N, Conroe, TX 77385(281) 465-1520
-
8.26 miBruggeman Insurance Agency19221 Interstate 45 S Ste 160, Conroe, TX 77385(281) 352-5642
-
8.26 miHaley Insurance27351 Blueberry Hill Dr Ste 31, Conroe, TX 77385(281) 364-7888
-
8.26 miGoosehead Insurance - Ian Gerrard19075 I45 N Suite #272, Conroe, TX 77385(281) 825-3755
-
8.26 miKari Romano19053 Interstate 45 North Suite B, Conroe, TX 77385(936) 231-8133
-
8.26 miAmerican Financial & Automotive Services26451 Hanna Rd, Conroe, TX 77385(281) 296-4100
-
8.26 miRodney Fleck10671 Highway 242, Conroe, TX 77385(936) 321-9909
-
8.26 miCharles Burchard29601b Robinson Rd, Conroe, TX 77385(281) 353-2300
Learn More About Car Insurance in Conroe, Texas
Car Insurance Laws in Texas
The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.
Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.
Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.
Penalty for Driving without Car Insurance in Texas
You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.
The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.
Car Insurance Support in Texas
Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.
How to choose car insurance wisely?
When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.
Learn more about what car insurance covers.
There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.
Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.
Learn more: car insurance quotes FAQ
Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.
when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.
Learn more about how to choose right amount of deductibles to get cheap car insurance.
How will traffic ticket affect auto insurance premium?
Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.
Learn more about how traffic ticket affect your car insurance premium.
How to: Car insurance claims
Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.
Car insurance claims and denial
Driving in other states with Texas car insurance
You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.
References
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.