Finding affordable car insurance an important issue for many motorists from Hutto, Texas, where the cost for minimal coverage liability insurance amounts to $91 per month. total coverage is 152 dollars per month. However, there are options to get lower insurance rates. The most popular approach is together the services of Jerry Insurance Agency, which allows drivers to compare rates from different insurance companies.
In this article we’ll guide through the excellent methods of finding the most affordable car insurance policy in Hutto and include real-world examples, the average rate as well as tips for reducing the cost of insurance.
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Quick Info.
| Factor | Details |
|---|---|
| Location | Hutto, Texas, Zip: 78634 |
| Average Minimum Coverage | $91 per month |
| Average Full Coverage | $152 per month |
| Main Factors Affecting Rates | Age, Vehicle Type, Driving History |
| Best Way to Save | Use Jerry Insurance Agency to compare quotes |
Cheapest Car Insurance Quotes in Hutto
Numerous drivers in Hutto are able to find low insurance costs by the process of comparison shopping. Through with Jerry Insurance Agency, customers can get a vast variety of quotes from the leading insurance providers. Here are some quotes Jerry obtained from Hutto customers.
Best of Quotes from Hutto:
| Insurance Company | Premium (Monthly) | Customer | Car | Coverage |
|---|---|---|---|---|
| Progressive | $70 | George, 28 | Honda HR-V LX | State Minimum + Comp/Collision |
| Travelers | $137 | Harold, 44 | Hyundai Tucson Limited | 50,000/100,000 Liability + Comp/Collision |
| The General | $119 | Glen, 58 | Dodge Charger SRT-8 | 25,000/50,000 Liability |
| Trexis | $196 | Estelle, 42 | Jeep Wrangler Unlimited Sport | 50,000/100,000 Liability + Comp/Collision |
| Commonwealth Insurance | $188 | Isabel, 46 | GMC Sierra C1500 | State Minimum + Comp/Collision |
Best car insurance companies in Hutto
No one car insurance company is the right fit for every driver. The primary reason is that every customer gets different
car insurance quotes based on their profile—so the most affordable company differs for everyone. Besides price, you also have to consider factors such as claims handling and customer service.
Jerry conducted the largest insurance survey in the country to help drivers better compare the cheapest car insurance companies. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 4 | 3.8 | 4.3 |
| USAA | 4.2 | 3.3 | 4.4 | 4.3 |
| State Farm | 3.9 | 3.4 | 3.7 | 4 |
| Geico | 3.9 | 3.1 | 4.2 | 4.1 |
| Liberty Mutual | 3.3 | 2.6 | N/A | 3.2 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Hutto
Texas has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in Hutto—and offers you the cheapest rate.
But minimum liability isn’t always enough. You should consider getting full coverage to cover the repair or replacement costs for your car.
Cheap minimum liability insurance quotes in Hutto
To hit the road legally, Hutto drivers need to meet Texas minimum coverage limits for bodily injury liability and property damage liability:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 for property damage
These coverages are commonly known as 30/60/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
Jerry has helped Hutto drivers find affordable minimum liability coverage with no hassles.
Do you need more than minimum coverage in Hutto?
Most drivers in Hutto need higher liability coverage than the 30/60/25 state minimum mandated by
Texas car insurance laws.
If you cause an accident, you could be responsible for medical bills and vehicle repairs well past the 30/60/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above the $25,000 property damage limit.
Texas’ car accident laws allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the accident date!
The bottom line: For optimal financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Hutto
Full coverage car insurance is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle.
Full coverage includes comprehensive and collision coverage:
- Collision coverage covers the cost of repairing or replacing your car after an accident. In contrast
- Comprehensive coverage pays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your bank will require both collision and comprehensive coverage until the loan is paid.
On top of a full-coverage policy, you can choose to purchase
uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
| • State Minimum Liability• Comp / Collision | Progressive | $70 | George, 28 Zip: 78634 | Honda HR-V LX |
| • 50,000/100,000 Liability• Comp / Collision | Allstate | $187 | Allie, 28 Zip: 78634 | Dodge Dart GT |
| • State Minimum Liability• Comp / Collision | Safeco | $297 | Christina, 35 Zip: 78634 | Dodge Charger Scat Pack |
| • State Minimum Liability• Comp / Collision | Gainsco | $228 | Franklin, 40 Zip: 78634 | Chevrolet Tahoe C1500 LT |
| • 100,000/300,000 Liability• Comp / Collision | State Auto | $171 | Hulda, 34 Zip: 78634 | Nissan Maxima 3.5S |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Final Thought:
Finding cheap car insurance in Hutto, Texas, doesn’t need to be difficult. The minimum insurance cost is $191 per month, and complete insurance costs about $162, there’s a chance to reduce these costs through comparison buying. Using services such as Jerry Insurance Agency allows drivers to compare quotations from excellent providers and assure they get the desirable option for their requirements and budget. If you’re seeking a low-risk or total coverage It’s important to evaluate choices and look at factors such as the quality of service provided and experience with claims to assure you get the desirable price.
Related read:- AAA Insurance: Overview & Policy Details
