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TGS Insurance  »  Auto Insurance  »  Conroe

Conroe Car Insurance

Conroe, Texas, has a population of about 91,081. According to txdot.gov, Conroe experienced over a 10.64% increase in annual car accidents since 2010. With residents commuting an average of 25.5 minutes daily, the roads are seemingly becoming increasingly congested, and safety needs to be a top priority. Conroe car insurance is not only legally required but a safety necessity for you, your passengers, pedestrians, and other drivers.

How Much Car Insurance Do I Need in Conroe?

In Texas, by law, you must have at least $30,000 in bodily injury liability coverage for each person, $60,000 per accident, and $25,000 for property damage per accident. These legal requirements should be the starting point but not the only consideration for determining how much coverage you need. In fact, less than 0.20% of auto policies that we write in Texas are state minimum liability only. In addition to satisfying legal requirements, you must meet your lender’s requirements if you have a lease or loan on your vehicle. Finally, assessing your personal assets and ensuring your coverage limits exceed that value is critical. If you are involved in an accident, you may be liable for damages beyond your coverage limits which could lead to a financial disaster if you are not prepared.

What is the Average Car Insurance Cost in Conroe?

Conroe auto insurance costs an average of $1,040.66 per year among TGS Insurance Agency customers. From a driver’s perspective, figuring out what determines your car insurance premium can be puzzling. Insurance providers use multiple factors to price your premium, typically considering the risks you pose as a driver. These factors often include, but are not limited to:

  • Age
  • Car make and model
  • High-risk violations
  • Yearly mileage
  • Credit history
  • Driving record
  • Zip code
  • Marital status
  • Gender
Another factor that influences your premium is the coverage you select. Full coverage auto insurance will be more expensive but is well worth it. Full coverage auto insurance includes the minimum level of liability coverage required by the state plus comprehensive coverage and collision coverage.

How Does Location in Conroe Affect My Car Insurance Rates?

Location is a significant facet in calculating your auto insurance rates in Conroe. For example, if you live in an area with a higher population density, insurers see you as having a higher risk of getting in an accident since there are more cars on the road; consequently, you will see a higher premium than someone living in a less populated area. Insurance companies will also look at the number of uninsured motorists in your area- the higher that number is, the higher your premium will be. If you are looking for ways to reduce your premium, park your car in a garage or covered area versus the street. These are just a few examples of how your location plays into your car insurance premium. Below are the average annual premiums for zip codes in the Conroe area for reference:

Map of Conroe, TX displaying Conroe auto insurance average premiums broken out by zip code

Compare Conroe Car Insurance Premiums by Carrier

The price is often the most influential factor when considering a car insurance policy. Because each carrier sets their rates, sometimes the same coverage can vary in price among different carriers. Two of our most popular carriers in Conroe are Progressive and Safeco. Auto insurance quotes from TGS Insurance for Progressive average $1,041.56 annually. Auto insurance quotes for Safeco run a bit more expensive at $1,391.46 per year. When it comes to picking the right insurance carrier, there are many factors involved. You want to make sure the carrier you choose is right for you. Here are some questions to ask yourself when picking a carrier.

  • What is the company’s history and reputation?
  • Do they offer the coverage I am looking for?
  • What is their price for the coverage I want?
  • Is it easy and convenient to work with them?
  • Are there discounts available?
  • Have you heard anything about the company?
At TGS, we work with over 35 ‘A-rated’ carriers to help you make the right decision on your auto insurance. Use these questions and call one of our agents to find the right fit for you.

Getting a Conroe Car Insurance Quote is as Easy as 1-2-3!

Getting the best car insurance in Conroe is simple when you use TGS Insurance’s proprietary online quoting tool for a free, no-obligation quote.

  1. Enter your name and address
  2. View your quote
  3. Customize your coverage with the guidance of one of our expert independent agents

Disclaimer

Every driver is unique. Insurance premium costs are impacted by several factors; therefore, we recommend obtaining an individualized quote to find your rates. Our data is representative of quality, publicly sourced, and internal data, but should not be deciphered as bindable.