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Flower Mound

Flower Mound Car Insurance

Home to 83,205 Texans, Flower Mound is growing year by year. As the city’s population grows, so does the congestion on the roads. According to the Texas Department of Transportation, the city of Flower Mound was the scene of 472 car accidents in 2020. Having Flower Mound car insurance is legally and ethically necessary if you want to keep yourself, your passengers, other drivers, and pedestrians safe.

How Much Car Insurance Do I Need in Flower Mound?

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 Flower Mound?

Flower Mound auto insurance costs an average of $1,115.11 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

How Does Location Affect Car Insurance Rates in Flower Mound?

Similar to homeowners insurance, location is an important factor in determining your auto insurance rates in Flower Mound. If your neighborhood has a higher rate of theft than the neighborhood a few blocks down, your rates will be higher. If there is a higher than the average number of uninsured motorists in your area, your rates will be higher. If auto insurance companies identify anything in your area that might make your vehicle riskier to insure, you will see that reflected in your premium. Likewise, there are things you can do, like parking your car in a garage or covered area versus the street, that can help reduce your premium. Because carriers get so granular with risk evaluations, rates can vary greatly- even within the same city.

Best Flower Mound Auto Insurance Companies

Knowing who will give you a good rate in your area is a big part of choosing your car insurance. Among TGS customers, the most popular carrier in Flower Mound is Progressive. The average premium with Progressive is $1,082.19. Other popular carriers are Safeco and Allstate. Choosing a carrier is more than just the price; here at TGS, we know that is a factor.

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

Getting the best car insurance in Flower Mound 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


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.