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Friendswood Auto Insurance

Friendswood, Texas, is home to 41,004 Texans as of 2020, according to the US Census. This is a 14.52% increase from 2010. With the growing population leading to increasingly congested roads and almost a 32 minute daily commute time, keeping safe on the roads is essential. Texas requires Friendswood auto insurance, but understanding your policy and ensuring you have adequate coverage is a personal responsibility that protects you and your assets financially.

Friendswood Auto Insurance: The Basics

Drivers in Friendswood spend an average of 31.3 minutes each day and 2 hours and 26 minutes each work week behind the wheel of their vehicle for commuting purposes alone. With so much reliance on personal vehicles in the city, it’s crucial to ensure you have proper car coverage so that you are covered in the event of an accident. In Texas, you are required to carry liability auto insurance with 30/60/25 minimum coverage limits. Liability insurance only provides financial assistance to pay for damages or injuries to other vehicles or other drivers in an accident that you cause. If you carry only liability insurance, any repairs to your vehicle will come out of pocket for you. Carrying only liability insurance, especially at the minimum coverage limits, is a considerable financial risk; because of this risk, less than 0.20% of auto policies that we write in Texas are for minimum liability only. For drivers seeking coverage that provides financial protection should anything happen to their own vehicle, regardless of fault, collision and comprehensive coverages can be added. Other popular optional coverages include:

  • Uninsured and underinsured motorist coverage
  • Medical payments coverage
  • Personal injury protection (PIP)
  • Rental reimbursement coverage
  • New car replacement coverage
Talking with your agent is the best way to find the ideal mix of coverage and coverage limits for your policy to ensure that you are adequately insured!

What is the Average Car Insurance Cost in Friendswood?

Friendswood auto insurance costs an average of $1,083.76 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.

Does My Location Affect Car Insurance Rates in Friendswood?

Determining auto insurance rates is very similar to determining home insurance rates. Providers look at factors in your area like the potential dangers you face and the crime rates. Your premiums could be lower if you live in a relatively low crime rate area. You could be a perfectly safe driver, but it is not just you on the road! If your area is known for having a higher-than-average amount of uninsured motorists, you may have to pay more for your premium. In Friendswood, the ZIP code with the highest average premium is 77546. The average cost for that ZIP code is $1,083.76.

Compare Friendswood 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 Friendswood are Progressive and Safeco. Auto insurance quotes from TGS Insurance for Progressive average $1,049.01 annually. Auto insurance quotes for Safeco run a bit more expensive at $1,109.45 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.

Comparison Shop Car Insurance in Friendswood from Multiple Carriers in Minutes!

Shopping for car insurance can be exhausting, dull, and downright stressful. TGS Insurance Agency is here to change that. At TGS Insurance, we do all the nitty-gritty work for you, so you don’t have to! How do you get started? Easy! All we need is your name and address; you’ll get an accurate quote in 15 seconds or less. After that, our agents will further customize your policy so it’s tailored to your specific insurance needs. Shopping for car insurance has never been so simple!


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.