Cheapest and Best Car Insurance Companies in Lewisville, TX


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Updated: May 20, 2024

Advertising & Editorial Disclosure

For drivers in Lewisville, the best and cheapest insurer will depend on your profile and needs. State Farm is the best overall car insurance provider. It offers the least expensive full and minimum coverage car insurance. It’s also the cheapest for drivers with tickets, accidents or those in the military. Mercury is the cheapest for DUIs. Nationwide offers the cheapest car insurance for teens on a family policy. Chubb is the best for customer service.

MoneyGeek Logo IconCheapest + BestCar InsuranceLewisville
2024

Cheapest and Best Car Insurance in Lewisville, TX

Why Trust MoneyGeek? Our proprietary scoring system has ranked the best insurers in the city. We analyzed several auto insurance quotes in Texas and other data from the Texas Department of Insurance and Quadrant Information Services to determine these scores.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Liability Car Insurance in Lewisville

The most affordable car insurance companies for a minimum coverage policy in Lewisville are:

  • State Farm: $335 per year
  • Texas Farm Bureau Group: $349 per year

Dairyland offers the most expensive minimum coverage auto insurance in the city, with an annual premium of $1,097. As of October 2022, Texas Farm Bureau is the cheapest car insurance company in Texas, with an annual average premium of $339. This is cheaper than Lewisville and shows that location affects rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
State FarmAnnual Premium$335Monthly Premium$28
Texas Farm BureauAnnual Premium$349Monthly Premium$29
AllstateAnnual Premium$410Monthly Premium$34
MercuryAnnual Premium$415Monthly Premium$35
AAA TexasAnnual Premium$519Monthly Premium$43
NationwideAnnual Premium$553Monthly Premium$46
ProgressiveAnnual Premium$559Monthly Premium$47
GEICOAnnual Premium$565Monthly Premium$47

To qualify for minimum coverage, car insurance policies in Texas must meet the liability limits mandated by the state, covering bodily injury liability and property damage liability.

The limits are as follows:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

To ensure financial protection against injuries or damages caused to others, liability coverage is an essential part of any insurance policy. It's important to remember that liability coverage generally only covers up to $30,000 in damages for a single victim and up to $60,000 per accident. You’ll have to pay for anything in excess of these limits.

Cheapest Full Coverage Car Insurance in Lewisville

The cheapest car insurance companies for a full coverage policy in Lewisville, Texas, are

  • State Farm: $663 per year
  • Texas Farm Bureau Group: $713 per year

The most expensive insurance company in the city is offered by Dairyland. Its annual premium costs $2,099 for a full coverage policy.

The cheapest insurance provider for full coverage in Texas is Texas Farm Bureau. Its annual premium costs $760 as of October 2022. The location where you live affects your car insurance quotes as it is an essential factor that reflects the level of risk associated with that area.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$663Monthly Premium$55
Texas Farm BureauAnnual Premium$713Monthly Premium$59
AllstateAnnual Premium$862Monthly Premium$72
MercuryAnnual Premium$888Monthly Premium$74
GEICOAnnual Premium$977Monthly Premium$81
AAA TexasAnnual Premium$1,008Monthly Premium$84
NationwideAnnual Premium$1,069Monthly Premium$89
ChubbAnnual Premium$1,362Monthly Premium$113

MoneyGeek suggests that drivers choose a full coverage policy to get the most protection for their vehicles, including comprehensive and collision insurance and liability coverage.

  • Collision insurance covers any damages your vehicle sustains in the event of an accident with another vehicle or object.
  • Comprehensive insurance protects your car from theft, natural disasters, vandalism and fire.

Full coverage might not be worth it for older vehicles since the policy’s cost could exceed the value of the car.

Loading...
    coins2 icon

    Compare

    Compare minimum and full coverage policies.

    find icon

    Find a match

    Get matched with an insurer in Lewisville.

    financialPlanning icon

    Save

    Save hundreds of dollars per year.

Cheapest Car Insurance in Lewisville After a Driving Offense

The cheapest car insurance companies after driving violations in Lewisville include:

  • Speeding ticket: State Farm ($663 per year)
  • At-fault accident: State Farm ($827 per year)
  • DUI: Mercury ($1,216 per year)

On average, Chubb is the most expensive car insurance provider for drivers with DUI costing $2,667 per year. Foremost is the least expensive for at-fault accidents, with an average annual premium of $3,354. For drivers with speeding tickets, Dairyland is the most expensive, with an average annual premium of $2,568.

Drivers having poor records are considered higher risk and therefore charged higher rates by insurance companies.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$663Monthly Premium$55
Texas Farm BureauAnnual Premium$713Monthly Premium$59
AllstateAnnual Premium$862Monthly Premium$72
GEICOAnnual Premium$1,135Monthly Premium$95
NationwideAnnual Premium$1,244Monthly Premium$104
MercuryAnnual Premium$1,280Monthly Premium$107
AAA TexasAnnual Premium$1,330Monthly Premium$111
ChubbAnnual Premium$1,472Monthly Premium$123

When drivers have violations on their record, car insurance premiums tend to rise, with speeding tickets resulting in minor increases and DUI convictions leading to significant hikes. In Lewisville, drivers with a DUI will pay around $292 more per year than drivers with a speeding ticket.

While insurance premiums vary depending on location, obtaining affordable coverage with a poor driving record is crucial to ensure long-term financial protection.

Cheapest Car Insurance in Lewisville for Teens and Their Families

The most affordable car insurance providers for teens on a family policy in Lewisville, Texas, are

  • Nationwide: $1,536 per year for female teens, $1,751 per year for male teens
  • State Farm: $1,710 per year for female teens, $2,068 per year for male teens

On a family insurance policy, Allstate provides the most expensive car insurance for teenage drivers, costing around $6,307 for females and $7,423 for males.

As seen from the $215 price difference from Nationwide, male teens are often considered riskier by insurance providers, resulting in higher rates. In early adulthood, this difference subsides.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,536Individual Plan Monthly Premium$6,356
State FarmFamily Plan Annual Premium$1,710Individual Plan Monthly Premium$8,003
GEICOFamily Plan Annual Premium$2,346Individual Plan Monthly Premium$7,509
ForemostFamily Plan Annual Premium$3,373Individual Plan Monthly Premium$14,245
ProgressiveFamily Plan Annual Premium$3,441Individual Plan Monthly Premium$16,036
AllstateFamily Plan Annual Premium$6,307Individual Plan Monthly Premium$11,815

Although many believe that it is more affordable to purchase an individual insurance policy for a teenage driver, in most cases, adding a teen to a family policy is more cost-effective.

Adding a male teen to a family policy in Lewisville can save you up to $3,267 per year. When looking for affordable car insurance for teenage drivers, it is essential to consider all available options and understand the factors that impact insurance premiums.

Cheapest Car Insurance in Lewisville for Military Drivers

The cheapest car insurance for current or former military members and their families in Lewisville are

  • State Farm: $663 per year
  • Texas Farm Bureau Group: $713 per year

USAA provides insurance policies for active or former military members and their families. Policies in Lewisville from this provider cost around $850 annually.

The most inexpensive insurance providers for minimum coverage are State Farm and Texas Farm Bureau Group. The average annual premiums cost $335 and $349, respectively.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$663Monthly Premium$55
Texas Farm BureauAnnual Premium$713Monthly Premium$59
USAAAnnual Premium$850Monthly Premium$71
AllstateAnnual Premium$862Monthly Premium$72
MercuryAnnual Premium$888Monthly Premium$74
GEICOAnnual Premium$977Monthly Premium$81
AAA TexasAnnual Premium$1,008Monthly Premium$84
NationwideAnnual Premium$1,069Monthly Premium$89

How to Compare Cheap Lewisville Car Insurance Quotes Online

Searching for the right car insurance policy in Lewisville, Texas, can be time-consuming and overwhelming. It can take 15 minutes for each insurer and require you to share lots of personal details.

MoneyGeek has developed a calculator that provides a quick estimate based on your age, car model, coverage level and driving record. This efficient process simplifies finding the right car insurance policy for your needs.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

High
Average
Low

Rates updated:

Jul 12, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Best Car Insurance in Lewisville: Summary

The ideal car insurance provider for you will depend on your priorities. The best car insurance providers in Lewisville:

  • Best overall: Texas Farm Bureau Group (MoneyGeek score of 80 out of 100)
  • Best for service: USAA (MoneyGeek score of 81 out of 100)
  • Best cheap: Texas Farm Bureau Group (MoneyGeek score of 80 out of 100)

The overall MoneyGeek score varies based on certain factors that are weighted for every category. Texas Farm Bureau is the best car insurance in Texas and in the city. For military families, USAA is also worth considering since it scored 81 out of 100.

Best Overall Car Insurance in Lewisville

The best car insurance companies in Lewisville include:

  • Texas Farm Bureau Group: MoneyGeek score of 80 out of 100 ($713 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($663 per year)

Texas Farm Bureau Group performed well in customer satisfaction and claims experience ratings. At MoneyGeek, we believe that selecting a car insurance policy that provides both peace of mind and protection during an accident is essential.

Military families might want to consider USAA. This provider earned a score of 81 out of 100.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

checkmark

Good customer satisfaction rating

checkmark

Excellent affordability rating

checkmark

Roadside assistance, rideshare insurance coverage and rental car/travel reimbursement

cons

close

Limited coverage tiers

close

No accident forgiveness or deductible modification

COMPANY HIGHLIGHTS

Texas Farm Bureau Group is a car insurance provider that has been serving Texans for over 60 years. This insurer offers roadside assistance, rideshare insurance and rental car/travel reimbursement.

Roadside assistance coverage is an optional service that provides dispatch service 24/7 for unexpected mechanical or electrical failures that leave your vehicle undrivable. This coverage offers peace of mind with services like towing to a garage, flat tire repair, fuel delivery, locksmith services and stuck vehicle assistance, with costs up to $120 covered by the insurance provider.

Texas Farm Bureau Group offers optional rideshare insurance coverage, which fills the coverage gap when a driver uses their vehicle for personal and ridesharing purposes. Rental car/travel reimbursement covers the cost of a rental car while your car is being repaired due to a covered loss, and flexible limits are available to meet your needs.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Lewisville for Customer Service

The best car insurance companies for customer service in Lewisville are:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,362 per year)
  • Foremost: MoneyGeek score of 67 out of 100 ($1,468 per year)

Chubb performed well in claims and customer satisfaction. Its affordability score was low, which means that you’ll pay more for excellent service.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Good claims experience rating

checkmark

High customer service score

checkmark

Rental car/travel reimbursement and antique/classic car coverage

cons

close

Low coverage rating

close

No roadside assistance

COMPANY HIGHLIGHTS

Chubb is a leading car insurance provider in Lewisville that is widely recognized for its customer service. The company offers a range of insurance options designed to provide maximum protection for drivers, focusing on delivering exceptional customer experience. It offers rental car/travel reimbursement and antique/classic car coverage.

Chubb provides rental car reimbursement coverage that allows you to rent a car of the same make and model as your own. The coverage has optional limits of up to $5,000 with no per-day limit.

Chubb's classic car insurance is available for vehicles 30 years old or older, limited production models or cars part of a larger vehicle collection. The car must be stored in a garage and used for hobby purposes such as car shows, exhibitions, car club activities and parades.

Best Cheap Car Insurance in Lewisville

MoneyGeek reviewed car insurance companies in Texas that meet the state's minimum coverage requirements, considering both service quality and affordability.

The best insurance companies in Lewisville are:

  • Texas Farm Bureau Group: MoneyGeek score of 81 out of 100 ($349 per year)
  • State Farm: MoneyGeek score of 78 out of 100 ($335 per year)

In Lewisville, minimum coverage policies offer low insurance rates but provide limited protection for liability costs, and they do not cover damages to your vehicle in the event of an accident.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

checkmark

An affordable annual premium of around $349

checkmark

Good customer satisfaction rating

checkmark

Multiple car discount and driver’s education discount

cons

close

Low claims experience rating

close

No airbag or defensive driving discount

COMPANY HIGHLIGHTS

Texas Farm Bureau Group is a reputable car insurance provider that offers affordable policies with a range of coverage options, making it a top choice for Lewisville drivers looking for low-cost car insurance. It provides discounts for multiple cars and driver’s education.

If you own multiple cars and insure them with this insurer, you can save money. Drivers under 25 who complete an accredited driver training course will qualify for a discount on the insurance policy.

This insurer offers roadside assistance, rental car/travel reimbursement and rideshare insurance. If your car needs repairs after an accident or incident, rental car/travel reimbursement coverage from the Texas Farm Bureau Group can help cover the cost of a rental car with flexible limits to meet your needs. This optional coverage ensures you can continue your daily routine without interruption while your car is repaired.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Lewisville

The average cost of auto insurance in Lewisville for full coverage is $1,151 per year as of October 2022. This includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

The city’s average car insurance cost is $50 cheaper than the average full coverage cost in Texas. It is also $114 less than the national average. Your location is a significant factor that can impact the cost of your car insurance.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.