policy in Wichita Falls, TX costs about $79 per month while liability-only coverage averages about $33 monthly. While this is lower than the average cost of insurance in

Texas

, working with an insurance broker is the best way to ensure you get the best coverage at the best price.

How much does car insurance cost in Texas?

Thousands of Texas drivers have turned to

Jerry

for help finding affordable car insurance in the last two years. During that time, we’ve found:

Texas drivers pay an average of $1,563 per year or $130 per month for full coverage. A liability-only policy averages about $635 per year and $53 per month.

Drivers in Wichita Falls pay about 60% less than the statewide average—$945 annually or $79 monthly for full coverage and $398 per year or about $33 per month for liability coverage.

You probably noticed that
minimum coverage
costs quite a bit less than full coverage—but that’s because it offers much less protection both legally and financially. If you cause a serious accident, it’s unlikely that Texas’s minimum required liability limits will fully shield you from lawsuits for property damage and medical bills, and you'll be responsible for all your own repair costs as well.
To make sure both you and your car are fully protected in case of an accident, you’ll need a
full coverage car insurance policy
.

Car insurance in Texas tends to be cheaper than the

national average

across the board, but drivers in the Lone Star State haven’t escaped the rate increases that have plagued motorists across the country. One of the main culprits driving increases is natural disasters.

Texas has the dubious honor of being ranked first in the nation for frequency and variety of natural disasters. 1 This coupled with nationwide post-pandemic economic stresses and increased vehicle repair costs have led to a 26% increase in insurance costs in the last two years. 2

Learn more:

Texas car insurance laws: How much coverage do I need?

The best car insurance companies in Wichita Falls

Car insurance quotes

are strongly influenced by individual driver profiles and demographic factors, so no single provider will offer the best coverage and rates for all drivers. But to help drivers better understand and compare available carriers in Texas, Jerry conducted

the largest insurance survey in the country

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 real customers.

How to find cheap car insurance quotes in Wichita Falls, TX

The best way to find cheap car insurance in Wichita Falls, TX (or any city) is to compare quotes from multiple providers. The easiest way to do this is by using the Jerry app.

Enter your information in the Jerry app. We’ll ask for basic information insurers need to generate quotes, like your name, address, and vehicle identification number (VIN). We’ll also ask about your credit score and driving history.

Compare coverage levels and pricing.

Once your profile is complete, you’ll receive a list of quotes from carriers in your area.

Your list will include insurance options for everything from bare-minimum coverage to robust full-coverage policies with added optional insurance products like rental reimbursement and roadside assistance.

Select the quote you like best. Click “Confirm your rate” on the quote you like best and we’ll finalize your rate with the provider you’ve selected.

Make your first payment to activate coverage. With your price finalized, enter your payment information to purchase coverage and bind your policy—no need to leave the app. Most Jerry partners offer same-day coverage so you could even have your digital insurance card within one to three hours.

“Great customer service and great care” - Cameron, Wichita Falls

How to save on car insurance in Wichita Falls

Shopping with a local Wichita Falls insurance agency is a good move but comparing quotes is just the first step toward saving money on car insurance. To make sure you get the lowest possible price, here are some additional tricks you can use:

Bundle your policies: Whether you own your home or rent, Jerry can help you

bundle your auto and homeowners

insurance or renters insurance policies right in the app. Many providers also offer multi-vehicle discounts that can sometimes even include things like ATVs and personal watercraft.

Take advantage of discounts:

Car insurance discounts

are one of the easiest routes to affordable insurance you can take. When you shop free quotes with the Jerry app, you’ll be matched with providers offering discounts you qualify for.

Raise your deductible: The higher the deductibles on your collision and comprehensive insurance, the less you’ll pay for your policy. Most insurance companies will allow you to set your

car insurance deductible

as high as $1,000.

Improve your driving: The fewer at-fault accidents and tickets you have on your driving record, the less you’ll usually pay for car insurance coverage. If you have the

Jerry

app on your phone, you can get a free safe driving score and tips to improve!

Reshop often: Car insurance rates change often as companies rewrite their rating guidelines and your own profile changes. The Jerry app can automatically check for the best rates whenever you might be eligible for savings.

Methodology

All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states.

Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle.

Minimum coverage refers to policies with the following coverage limits:

$30,000

bodily injury liability

per person

$60,000 bodily injury liability per accident

$25,000

property damage liability

Full coverage refers to policies that contain at least the minimum liability required by law in Texas along with comprehensive and collision insurance with deductibles of either $500 or $1,000.

FAQs

Who typically has the cheapest car insurance?

No one car insurance company offers the cheapest rate 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.

How much is car insurance per month in Texas?

Texas drivers pay an average of $1,563 per year or $130 per month for full coverage. A liability-only policy averages about $635 per year or $53 per month.

What is the average cost of car insurance in Wichita Falls?

Drivers in Wichita Falls pay about 60% less than the statewide average—$945 annually or $79 monthly for full coverage and $398 per year or about $33 per month for liability coverage.

Is car insurance cheaper in Wichita Falls?

Wichita Falls car insurance rates tend to run about 60% cheaper than average rates in the rest of Texas.

Should I shop around for cheaper car insurance?

You should absolutely shop around for cheaper car insurance. Comparing quotes from multiple insurance providers is the best way to ensure you’re getting the best rate based on your driving profile.

What is the average car insurance cost?

As of December 2023, a full coverage car insurance policy costs drivers an average of $1,790 per year.

At what age is car insurance cheapest?

Drivers between the ages of 45 and 70 usually enjoy the lowest rates on auto insurance coverage.

How can I lower my car insurance in Texas?

A few things you can do to

lower your Texas car insurance rates

include taking advantage of discounts, adjusting your policy deductibles, and reshopping your policy at each renewal.

What is the cheapest car insurance company in Wichita Falls, TX?

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.

Does credit score affect car insurance?

In most states, including Texas, your credit score influences your car insurance rates. If you live in Hawaii, Massachusetts, California, or Michigan, your credit score cannot be taken into account when calculating your car insurance premiums.

Why is auto insurance so high in Texas?

A key factor driving up Texas’s auto insurance policy rates is the frequency and variety of natural disasters that can lead to high-dollar comprehensive coverage claims.

Is $300 a lot for car insurance?

Arguably, yes, $300 is quite a bit to pay for car insurance. The national average for auto insurance rates is about $150 per month, so if you're paying $300 per month for insurance coverage, Jerry may be able to help you find a lower rate with another provider.

Sources

https://nisar.jpl.nasa.gov/documents/7/NISAR_Applications_Hazards_Texas.pdf

https://getjerry.com/studies/soaring-car-insurance-forces-half-of-americans-to-cut-spending#key-insights

Meet our experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.