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TGS Insurance  »  Auto Insurance  »  Missouri City

Missouri City Auto Insurance

Missouri City, part of Fort Bend County and about 30 minutes from downtown, is one of the safest suburbs around Houston. It is known for being the home of many young adults, with the median age in the city being 39 years old, according to census.gov. Keeping the roads in Missouri City up to the safety standard the rest of the city holds is essential. Missouri City auto insurance is required legally and ethically. Keeping yourself, your passengers, other cars, and pedestrians safe is a top priority.

Understanding Missouri City Car Insurance Coverage

Missouri City has many types of auto insurance, so you can personalize your coverage. The state requires that you have $30,000 in liability coverage for each person in the accident, $60,000 in coverage for each accident, and $25,000 for property damage per accident. You can add other coverages to your policy to specialize it to your needs.

Type of CoverageDescription
Property Damage LiabilityPays for the damage you may cause to someone else’s property.
Bodily Injury LiabilityHelps you cover the cost of injuries of others involved in an accident you caused.
CollisionPays for the damage to your car from a collision with another car or object.
Personal Injury ProtectionPays for treating injuries to you or the passengers of your car.
ComprehensiveReimburses you for loss due to theft or damage caused by something else other than a collision.
Uninsured and Underinsured Motorist CoverageReimburse you if you are hit by a driver who is either completely uninsured or does not have enough coverage to pay for the damages they caused.

What is the Average Car Insurance Cost in Missouri City?

Missouri City auto insurance costs an average of $1,086.11 annually 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 are some of the factors that go into calculating your car insurance premium.

  • Age
  • Car make and model
  • High-risk violations
  • Yearly mileage
  • Credit history
  • Driving record
  • Zip code
  • Marital status
  • Gender
Another factor that alters your premium price 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 My ZIP Code Affect My Auto Insurance Rate?

Location is a huge factor in determining your auto insurance cost in Missouri City. Your rates could be higher if you experience higher crime rates in your neighborhood compared to the neighborhood on the other side of the highway or even just down the road. In Missouri City, the ZIP code 77459 is the area with the lowest premium, averaging $1,041.05 annually for TGS Insurance Agency customers. The ZIP code with the highest premium in Missouri City is 77489, where customers pay closer to $1,174.28 a year.

Most Popular Missouri City Auto Insurance Carriers

Drivers in Missouri City all want the same thing- an excellent car insurance policy that doesn’t break the bank. Cost is one of the most influential things people look at when purchasing insurance, next to the amount of coverage. This is why it’s imperative for drivers to compare and shop their policy across multiple carriers! Insurance carriers set their own rates, so your premium could vary across multiple carriers with the same coverage. Our two most affordable (and popular) insurance providers in Missouri City, Texas, are Progressive and Travelers. On average, TGS Insurance drivers in Missouri City, Texas, pay $1,037.43 for Progressive annually and $1,060.89 for Travelers.

Getting a Missouri City Car Insurance Quote Has Never Been Easier!

Gone are the days of scrolling endlessly trying to figure out what even is car insurance or talking on the phone with an insurance agent for over 15 minutes, only to wait days to get an insurance quote. At TGS Insurance, we’ve flipped the industry norm upside down to provide customers with an honest, accurate car insurance quote in 15 seconds or less, using just your address and name! That policy is shopped through our bank of 35+ A-rated (or better) carriers, so you can rest assured it’s the best policy the market has to offer! We even handle everything from policy inception to payment and everything else in between for the easiest shopping experience.

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.