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The cheapest company varies depending on your needs and driver profile. Texas Farm Bureau Group is the most affordable insurer for minimum coverage. State Farm is the cheapest for full coverage, military-affiliated drivers and those with a speeding ticket or at-fault accident. Drivers with a DUI will find the lowest rates from Mercury. Teens fare best with Nationwide.

Overall, we recommend Texas Farm Bureau Group if you want the best blend of affordability and service quality.

MoneyGeek Logo IconCheapest + BestCar InsuranceWichita Falls
2023

Cheapest and Best Car Insurance in Wichita Falls, TX

Cheapest Minimum Liability Car Insurance in Wichita Falls

The cheapest car insurance companies for a minimum coverage policy in Wichita Falls are:

  • Texas Farm Bureau Group: $256 per year
  • State Farm: $258 per year

Of the insurers we analyzed, Dairyland charges the most expensive premiums for minimum coverage at an average cost of $810 per year.

On a statewide basis, State Farm surpassed Texas Farm Bureau Group as the cheapest auto insurance provider in Texas. We found that a minimum coverage policy from State Farm costs an average of $300 in Texas, which makes this insurer’s auto policy in Wichita Falls around $42 cheaper than in a typical city in the state.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$223

$19

State Farm

$239

$20

Texas Farm Bureau

$256

$21

State Farm

$258

$21

Mercury

$296

$25

Allstate

$302

$25

Allstate

$311

$26

State Farm

$315

$26

Mercury

$320

$27

Texas Farm Bureau

$323

$27

AAA Texas

$353

$29

Mercury

$375

$31

AAA Texas

$376

$31

Allstate

$379

$32

GEICO

$396

$33

GEICO

$413

$34

Progressive

$425

$35

Progressive

$433

$36

Chubb

$434

$36

GEICO

$443

$37

AAA Texas

$453

$38

Nationwide

$456

$38

Chubb

$477

$40

Nationwide

$477

$40

Progressive

$498

$41

State Farm

$513

$43

Texas Farm Bureau

$517

$43

National General

$535

$45

National General

$553

$46

State Farm

$566

$47

Foremost

$587

$49

Texas Farm Bureau

$630

$53

Nationwide

$635

$53

Allstate

$669

$56

National General

$681

$57

Foremost

$683

$57

GEICO

$706

$59

Mercury

$715

$60

State Farm

$732

$61

Mercury

$734

$61

GEICO

$740

$62

Allstate

$742

$62

Texas Farm Bureau

$762

$64

Dairyland

$789

$66

AAA Texas

$801

$67

Foremost

$802

$67

Dairyland

$810

$68

AAA Texas

$811

$68

Nationwide

$817

$68

Chubb

$837

$70

GEICO

$855

$71

Chubb

$933

$78

Mercury

$959

$80

Dairyland

$962

$80

Allstate

$1,000

$83

Nationwide

$1,001

$83

AAA Texas

$1,054

$88

Chubb

$1,084

$90

Progressive

$1,152

$96

Nationwide

$1,200

$100

Progressive

$1,234

$103

National General

$1,269

$106

Foremost

$1,270

$106

Foremost

$1,339

$112

National General

$1,377

$115

Dairyland

$1,483

$124

Progressive

$1,507

$126

National General

$1,587

$132

Chubb

$1,663

$139

Dairyland

$1,673

$139

Foremost

$1,683

$140

Dairyland

$2,056

$171

A minimum coverage policy in Texas only covers bodily injury and property damage liability. It has the following limits:

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

These limits can help you understand how much the insurer will pay in case of an accident. For instance, with a minimum policy, the bodily injury coverage limits show that the company will pay $30,000 for each injured third party, with a maximum of $60,000 per accident.

Cheapest Full Coverage Car Insurance in Wichita Falls

The cheapest car insurance companies for a full coverage policy in Wichita Falls are:

  • State Farm: $566 per year
  • Texas Farm Bureau Group: $630 per year

Dairyland charges the highest premiums for full coverage at $1,673 per year, on average. State Farm has the most affordable rates not just in Wichita Falls — it also offers the cheapest full coverage auto insurance in Texas at $711 per year. This makes a full coverage policy from the cheapest insurer cost roughly $145 less in Wichita Falls compared to the statewide average rate.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$223

$19

State Farm

$239

$20

Texas Farm Bureau

$256

$21

State Farm

$258

$21

Mercury

$296

$25

Allstate

$302

$25

Allstate

$311

$26

State Farm

$315

$26

Mercury

$320

$27

Texas Farm Bureau

$323

$27

AAA Texas

$353

$29

Mercury

$375

$31

AAA Texas

$376

$31

Allstate

$379

$32

GEICO

$396

$33

GEICO

$413

$34

Progressive

$425

$35

Progressive

$433

$36

Chubb

$434

$36

GEICO

$443

$37

AAA Texas

$453

$38

Nationwide

$456

$38

Chubb

$477

$40

Nationwide

$477

$40

Progressive

$498

$41

State Farm

$513

$43

Texas Farm Bureau

$517

$43

National General

$535

$45

National General

$553

$46

State Farm

$566

$47

Foremost

$587

$49

Texas Farm Bureau

$630

$53

Nationwide

$635

$53

Allstate

$669

$56

National General

$681

$57

Foremost

$683

$57

GEICO

$706

$59

Mercury

$715

$60

State Farm

$732

$61

Mercury

$734

$61

GEICO

$740

$62

Allstate

$742

$62

Texas Farm Bureau

$762

$64

Dairyland

$789

$66

AAA Texas

$801

$67

Foremost

$802

$67

Dairyland

$810

$68

AAA Texas

$811

$68

Nationwide

$817

$68

Chubb

$837

$70

GEICO

$855

$71

Chubb

$933

$78

Mercury

$959

$80

Dairyland

$962

$80

Allstate

$1,000

$83

Nationwide

$1,001

$83

AAA Texas

$1,054

$88

Chubb

$1,084

$90

Progressive

$1,152

$96

Nationwide

$1,200

$100

Progressive

$1,234

$103

National General

$1,269

$106

Foremost

$1,270

$106

Foremost

$1,339

$112

National General

$1,377

$115

Dairyland

$1,483

$124

Progressive

$1,507

$126

National General

$1,587

$132

Chubb

$1,663

$139

Dairyland

$1,673

$139

Foremost

$1,683

$140

Dairyland

$2,056

$171

A full coverage policy includes comprehensive and collision insurance and has higher liability limits.

  • Collision Insurance: Covers the costs of repair or replacement of your vehicle if it sustains damage in an at-fault accident, such as a collision with another vehicle or an object.
  • Comprehensive Insurance: Helps cover expenses related to repairing or replacing your vehicle if it sustains damage in a non-accident incident like theft, animal damage or a weather-related event.

You might not get the most out of a full coverage policy if you have an older car, as the hundreds of dollars more per year may not be worth it for a low-value vehicle.

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Cheapest Car Insurance in Wichita Falls After a Driving Offense

The cheapest car insurance companies for a full coverage policy after driving violations in Wichita Falls are:

  • Speeding ticket: State Farm ($566 per year)
  • At-fault accident: State Farm ($700 per year)
  • DUI: Mercury ($948 per year)

Dairyland ($2,034 per year) is the most expensive insurer for drivers with speeding tickets. Foremost ($2,870 per year) has the highest rates for those with an at-fault accident, and Chubb ($2,119 per year) costs the most following a DUI. Drivers with offenses typically pay higher rates than those with clean records, and even the cheapest providers may charge hundreds of dollars more for the same policy.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$223

$19

State Farm

$239

$20

Texas Farm Bureau

$256

$21

State Farm

$258

$21

Allstate

$302

$25

State Farm

$309

$26

Allstate

$311

$26

State Farm

$315

$26

Texas Farm Bureau

$323

$27

State Farm

$329

$27

Allstate

$379

$32

State Farm

$392

$33

Mercury

$403

$34

Texas Farm Bureau

$404

$34

Mercury

$411

$34

Texas Farm Bureau

$435

$36

GEICO

$440

$37

GEICO

$458

$38

Progressive

$461

$38

Chubb

$470

$39

GEICO

$474

$40

AAA Texas

$475

$40

Mercury

$476

$40

State Farm

$478

$40

Texas Farm Bureau

$479

$40

Mercury

$486

$40

Progressive

$493

$41

Mercury

$495

$41

Progressive

$498

$41

State Farm

$498

$42

AAA Texas

$505

$42

State Farm

$513

$43

Mercury

$513

$43

Allstate

$514

$43

Chubb

$515

$43

GEICO

$517

$43

Texas Farm Bureau

$517

$43

Allstate

$529

$44

AAA Texas

$534

$45

Progressive

$534

$45

Nationwide

$536

$45

Progressive

$542

$45

GEICO

$550

$46

Texas Farm Bureau

$551

$46

Texas Farm Bureau

$552

$46

Nationwide

$558

$47

AAA Texas

$559

$47

GEICO

$561

$47

State Farm

$561

$47

Allstate

$562

$47

State Farm

$566

$47

AAA Texas

$568

$47

Allstate

$578

$48

Progressive

$580

$48

Mercury

$594

$49

AAA Texas

$595

$50

National General

$608

$51

AAA Texas

$609

$51

National General

$618

$51

Progressive

$628

$52

National General

$628

$52

Texas Farm Bureau

$630

$53

National General

$641

$53

GEICO

$642

$54

State Farm

$643

$54

GEICO

$643

$54

Allstate

$645

$54

Chubb

$648

$54

Foremost

$658

$55

Allstate

$669

$56

AAA Texas

$684

$57

Progressive

$686

$57

GEICO

$696

$58

Mercury

$699

$58

State Farm

$700

$58

Allstate

$705

$59

Foremost

$706

$59

Chubb

$713

$59

Texas Farm Bureau

$713

$59

AAA Texas

$718

$60

Progressive

$719

$60

Nationwide

$723

$60

State Farm

$732

$61

Allstate

$742

$62

Nationwide

$747

$62

Mercury

$762

$63

Texas Farm Bureau

$762

$64

National General

$770

$64

National General

$773

$64

Foremost

$774

$64

Nationwide

$775

$65

Dairyland

$804

$67

Dairyland

$824

$69

GEICO

$830

$69

Foremost

$834

$70

National General

$839

$70

Chubb

$848

$71

GEICO

$853

$71

Texas Farm Bureau

$867

$72

Foremost

$876

$73

National General

$878

$73

State Farm

$882

$73

Chubb

$904

$75

Foremost

$923

$77

Nationwide

$923

$77

Nationwide

$927

$77

Chubb

$931

$78

GEICO

$946

$79

Mercury

$948

$79

Nationwide

$951

$79

Texas Farm Bureau

$952

$79

State Farm

$963

$80

Dairyland

$979

$82

GEICO

$992

$83

Allstate

$1,000

$83

GEICO

$1,003

$84

National General

$1,005

$84

Mercury

$1,009

$84

Chubb

$1,009

$84

Texas Farm Bureau

$1,012

$84

State Farm

$1,020

$85

Mercury

$1,041

$87

Dairyland

$1,042

$87

AAA Texas

$1,042

$87

AAA Texas

$1,051

$88

Allstate

$1,075

$90

Nationwide

$1,081

$90

Nationwide

$1,104

$92

GEICO

$1,109

$92

Dairyland

$1,119

$93

Allstate

$1,147

$96

Texas Farm Bureau

$1,149

$96

Mercury

$1,150

$96

AAA Texas

$1,153

$96

AAA Texas

$1,160

$97

Dairyland

$1,162

$97

Nationwide

$1,163

$97

Allstate

$1,169

$97

Chubb

$1,171

$98

Dairyland

$1,189

$99

AAA Texas

$1,202

$100

Mercury

$1,203

$100

State Farm

$1,203

$100

AAA Texas

$1,209

$101

GEICO

$1,213

$101

GEICO

$1,230

$103

Texas Farm Bureau

$1,234

$103

Allstate

$1,238

$103

Chubb

$1,250

$104

Mercury

$1,265

$105

Dairyland

$1,270

$106

GEICO

$1,277

$106

Progressive

$1,332

$111

Nationwide

$1,362

$114

Progressive

$1,365

$114

AAA Texas

$1,372

$114

Nationwide

$1,376

$115

Dairyland

$1,380

$115

Chubb

$1,396

$116

Mercury

$1,400

$117

Texas Farm Bureau

$1,423

$119

Foremost

$1,446

$121

Foremost

$1,452

$121

Progressive

$1,458

$121

Nationwide

$1,480

$123

National General

$1,481

$123

Progressive

$1,488

$124

Dairyland

$1,498

$125

AAA Texas

$1,518

$127

Foremost

$1,537

$128

Foremost

$1,547

$129

National General

$1,565

$130

Allstate

$1,579

$132

AAA Texas

$1,582

$132

Chubb

$1,619

$135

Chubb

$1,637

$136

Progressive

$1,638

$137

National General

$1,645

$137

Foremost

$1,656

$138

National General

$1,658

$138

Mercury

$1,659

$138

Allstate

$1,674

$140

Dairyland

$1,688

$141

Nationwide

$1,699

$142

Mercury

$1,716

$143

Foremost

$1,727

$144

Progressive

$1,758

$147

Chubb

$1,797

$150

National General

$1,800

$150

Nationwide

$1,803

$150

Foremost

$1,819

$152

Progressive

$1,819

$152

Progressive

$1,823

$152

Chubb

$1,827

$152

Foremost

$1,865

$155

Nationwide

$1,879

$157

National General

$1,965

$164

Foremost

$1,967

$164

Dairyland

$2,004

$167

Dairyland

$2,034

$170

National General

$2,053

$171

Dairyland

$2,074

$173

Progressive

$2,117

$176

Chubb

$2,119

$177

National General

$2,198

$183

Nationwide

$2,235

$186

National General

$2,284

$190

Dairyland

$2,291

$191

Dairyland

$2,335

$195

Dairyland

$2,362

$197

Chubb

$2,486

$207

Dairyland

$2,593

$216

Foremost

$2,870

$239

Chubb

$3,257

$271

Foremost

$3,309

$276

Foremost

$3,398

$283

A severe violation could drive up your car insurance rates more than a minor offense. For instance, the most affordable insurance for Wichita Falls drivers with speeding tickets is $382 cheaper than the cheapest option for those with DUIs. Even though costs can be quite high, MoneyGeek discovered several ways to get affordable car insurance for drivers with bad driving records.

Cheapest Car Insurance in Wichita Falls for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Wichita Falls are:

  • Nationwide: $1,429 per year for teen girls; $1,629 per year for teen boys
  • State Farm: $1,488 per year for teen girls; $1,799 per year for teen boys

Allstate offers the least affordable full coverage insurance for teens, costing around $5,229 to add a teen girl or $6,154 to add a teen boy to a family policy. Teen boys generally face higher premiums because young men are considered more prone to risky behavior, including driving recklessly. The difference in full coverage premiums with the cheapest provider adds up to roughly $205 per year for Nationwide. The difference in rates starts to even out as these teen drivers become young adults.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$529

$2,474

State Farm

$616

$2,882

State Farm

$632

$3,364

State Farm

$664

$3,104

State Farm

$884

$2,971

Nationwide

$937

$2,119

Nationwide

$948

$2,281

State Farm

$968

$3,562

Nationwide

$990

$2,845

State Farm

$992

$3,336

State Farm

$1,048

$4,115

Nationwide

$1,049

$3,267

Nationwide

$1,055

$2,386

Nationwide

$1,071

$2,663

State Farm

$1,092

$3,670

Nationwide

$1,112

$2,515

Nationwide

$1,120

$2,695

Nationwide

$1,131

$3,048

State Farm

$1,162

$4,913

State Farm

$1,182

$4,350

GEICO

$1,184

$2,119

Nationwide

$1,188

$2,858

GEICO

$1,197

$2,557

GEICO

$1,199

$2,041

State Farm

$1,213

$4,530

GEICO

$1,213

$2,171

GEICO

$1,216

$2,070

GEICO

$1,224

$2,555

GEICO

$1,242

$2,333

GEICO

$1,267

$2,267

GEICO

$1,269

$2,341

GEICO

$1,283

$2,184

Allstate

$1,327

$1,763

Nationwide

$1,331

$4,636

State Farm

$1,335

$5,578

Nationwide

$1,358

$5,450

Nationwide

$1,389

$3,989

GEICO

$1,406

$3,424

GEICO

$1,418

$3,030

Nationwide

$1,429

$5,893

Allstate

$1,429

$1,817

State Farm

$1,443

$6,209

State Farm

$1,454

$5,429

Nationwide

$1,459

$5,855

GEICO

$1,459

$3,488

GEICO

$1,482

$3,093

State Farm

$1,484

$6,199

State Farm

$1,488

$6,864

Nationwide

$1,506

$5,930

GEICO

$1,525

$4,097

Nationwide

$1,548

$6,898

Nationwide

$1,563

$4,867

GEICO

$1,589

$4,213

Allstate

$1,609

$2,138

State Farm

$1,616

$6,972

Nationwide

$1,629

$7,462

Allstate

$1,635

$2,509

Progressive

$1,661

$2,545

Nationwide

$1,664

$7,415

GEICO

$1,700

$4,568

Allstate

$1,716

$2,280

Progressive

$1,726

$4,170

Progressive

$1,728

$2,517

GEICO

$1,747

$5,414

State Farm

$1,793

$7,739

GEICO

$1,799

$4,770

State Farm

$1,799

$8,580

GEICO

$1,849

$5,722

Foremost

$1,862

$3,058

Allstate

$1,877

$2,387

Progressive

$1,877

$4,515

Foremost

$1,913

$2,631

Allstate

$1,917

$2,921

Allstate

$1,938

$2,847

Progressive

$1,971

$2,870

Foremost

$2,006

$2,758

Progressive

$2,011

$3,083

Foremost

$2,014

$2,895

Foremost

$2,032

$2,795

Foremost

$2,056

$3,481

Progressive

$2,064

$5,661

Allstate

$2,068

$2,630

Foremost

$2,078

$2,762

Progressive

$2,080

$3,614

Progressive

$2,112

$3,907

Progressive

$2,121

$5,125

Progressive

$2,141

$3,119

Progressive

$2,225

$3,411

Foremost

$2,234

$2,969

Allstate

$2,266

$3,326

Foremost

$2,276

$3,273

Foremost

$2,329

$3,096

Progressive

$2,337

$6,462

Progressive

$2,447

$5,887

Foremost

$2,457

$8,165

Foremost

$2,527

$8,274

Foremost

$2,561

$8,511

Allstate

$2,577

$4,609

Progressive

$2,622

$11,619

Allstate

$2,654

$3,899

Foremost

$2,658

$8,706

Foremost

$2,725

$5,317

Foremost

$2,751

$5,386

Foremost

$2,899

$12,232

Progressive

$2,918

$13,040

Progressive

$2,930

$13,544

Foremost

$3,016

$5,107

Foremost

$3,020

$12,690

Allstate

$3,040

$5,456

Foremost

$3,075

$5,052

Progressive

$3,111

$13,788

Allstate

$3,137

$4,604

Progressive

$3,223

$14,950

Progressive

$3,405

$15,216

Allstate

$3,944

$5,555

Allstate

$4,637

$6,543

Allstate

$4,829

$6,801

Allstate

$5,229

$9,738

Allstate

$5,678

$8,011

Allstate

$6,154

$11,496

Auto insurance can be very expensive for teens. ~~MoneyGeek discovered that you could get more affordable rates by adding a teen driver to a family policy. For example, a 16-year-old boy in Wichita Falls who is included in a family policy would only need to pay $1,629 per year for full coverage, compared to $7,462 per year if he purchases an individual policy. This is equivalent to around $5,833 in yearly savings. ~~Make sure to also comparison shop to find the cheapest auto insurance for teens.

Cheapest Car Insurance in Wichita Falls for Military Drivers

The cheapest car insurance companies for military members in Wichita Falls are:

  • State Farm: $566 per year
  • Texas Farm Bureau Group: $630 per year

These rates are for a full coverage policy. USAA ranked third in terms of affordability, with full coverage averaging $691 per year. MoneyGeek considers USAA as the ideal insurer for military-affiliated drivers, offering them coverages and services that are specifically tailored to their needs.

For minimum coverage, the same two companies topped our list of the cheapest insurers, with Texas Farm Bureau Group ($256 per year) outpacing State Farm ($258 per year).

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$223

$19

State Farm

$239

$20

Texas Farm Bureau

$256

$21

State Farm

$258

$21

USAA

$258

$22

USAA

$273

$23

Mercury

$296

$25

Allstate

$302

$25

USAA

$307

$26

Allstate

$311

$26

State Farm

$315

$26

Mercury

$320

$27

Texas Farm Bureau

$323

$27

AAA Texas

$353

$29

Mercury

$375

$31

AAA Texas

$376

$31

Allstate

$379

$32

GEICO

$396

$33

GEICO

$413

$34

Progressive

$425

$35

Progressive

$433

$36

Chubb

$434

$36

GEICO

$443

$37

AAA Texas

$453

$38

Nationwide

$456

$38

Chubb

$477

$40

Nationwide

$477

$40

Progressive

$498

$41

State Farm

$513

$43

Texas Farm Bureau

$517

$43

National General

$535

$45

National General

$553

$46

State Farm

$566

$47

Foremost

$587

$49

Texas Farm Bureau

$630

$53

Nationwide

$635

$53

USAA

$666

$55

Allstate

$669

$56

National General

$681

$57

Foremost

$683

$57

USAA

$691

$58

GEICO

$706

$59

Mercury

$715

$60

State Farm

$732

$61

Mercury

$734

$61

GEICO

$740

$62

Allstate

$742

$62

Texas Farm Bureau

$762

$64

Dairyland

$789

$66

AAA Texas

$801

$67

Foremost

$802

$67

Dairyland

$810

$68

AAA Texas

$811

$68

Nationwide

$817

$68

Chubb

$837

$70

USAA

$839

$70

GEICO

$855

$71

Chubb

$933

$78

Mercury

$959

$80

Dairyland

$962

$80

Allstate

$1,000

$83

Nationwide

$1,001

$83

AAA Texas

$1,054

$88

Chubb

$1,084

$90

Progressive

$1,152

$96

Nationwide

$1,200

$100

Progressive

$1,234

$103

National General

$1,269

$106

Foremost

$1,270

$106

Foremost

$1,339

$112

National General

$1,377

$115

Dairyland

$1,483

$124

Progressive

$1,507

$126

National General

$1,587

$132

Chubb

$1,663

$139

Dairyland

$1,673

$139

Foremost

$1,683

$140

Dairyland

$2,056

$171

How to Compare Cheap Wichita Falls Car Insurance Quotes Online

Some insurance buyers don’t have the time to comparison shop for rates since getting personalized quotes online could take up to 15 minutes per company. You’ll also be required to provide a lot of personal information.

MoneyGeek’s car insurance calculator gives a quick ballpark figure of your expected premium. Simply enter your age, vehicle type, preferred coverage level and driving record to receive a rough estimate based on thousands of quotes that we’ve collected from multiple companies.

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Best Car Insurance in Wichita Falls: Summary

The best car insurance depends on how much you value affordability, service quality, coverage and other factors. MoneyGeek recommends these as the best car insurance companies in Wichita Falls, Texas:

  • Best overall: Texas Farm Bureau Group (MoneyGeek score 79 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: Texas Farm Bureau Group (MoneyGeek score 81 out of 100)

A company may have different MoneyGeek scores because we adjusted the weight given to each factor depending on the category. Texas Farm Bureau Group outperformed its competitors with affordable premiums and exceptional service, making it the best auto insurance in Texas statewide. With a MoneyGeek score of 81 out of 100, a USAA policy is also worth considering if you have a military background.

Best Overall Car Insurance in Wichita Falls

The overall best companies for car insurance in Wichita Falls that offer a balance of affordable rates and superior service are:

  • Texas Farm Bureau Group: MoneyGeek score 79 out of 100 ($630 per year)
  • State Farm: MoneyGeek score 76 out of 100 ($566 per year)

Texas Farm Bureau Group topped our list by providing remarkable customer service alongside the second-cheapest rates out of 11 providers in Wichita Falls. We also recommend USAA for drivers with military affiliation, earning a MoneyGeek score of 81 out of 100.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

Ranks second for affordability and customer satisfaction out of 11 providers

Offers roadside assistance and rental car reimbursement coverages

cons

Very limited options for add-on coverages

Doesn’t offer accident forgiveness, deductible modification or gap insurance

COMPANY HIGHLIGHTS

Texas Farm Bureau Group only offers two basic coverages, which you can purchase as add-ons to your policy. These are roadside assistance and rental car coverage. With roadside assistance coverage, you'll receive round-the-clock services for mechanical, electrical and other necessary repairs if your vehicle is stranded. It also includes towing, tire delivery, lockout and fuel delivery services.

Texas Farm Bureau Group’s rental car coverage helps pay for a rental car while you’re waiting for your vehicle to be fixed. It offers you the flexibility to choose your coverage limits. Rental car reimbursement coverage is a must-have if you drive to work and don’t want the added stress of figuring out your daily commute while your car is down for repairs. Note that this benefit is only available to policyholders who purchase comprehensive and collision coverage.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Wichita Falls for Customer Service

If service quality is your key deciding factor in selecting an insurer, we recommend these companies which provide the best customer experience in Wichita Falls regardless of cost:

  • Chubb: MoneyGeek score 76 out of 100 ($1,084 per year)
  • Foremost: MoneyGeek score 67 out of 100 ($1,270 per year)

Chubb receives our highest praise for its reliable and efficient service and superior management of claims. However, be prepared to pay a high premium for these perks.

How was this MoneyGeek score calculated?

Chubb

pros

Third-highest rating on customer satisfaction out of 11 providers

Outstanding claims management

Offers original equipment manufacturer (OEM) and diminished value coverages

cons

Very limited options for add-on coverages

Lacks common coverages such as roadside assistance, accident forgiveness and gap insurance

COMPANY HIGHLIGHTS

Chubb outperforms its peers with its top-notch customer service and claims management. It only offers four add-on coverages, but most of these are rarely offered by other companies. Its original equipment manufacturer (OEM) coverage pays for the cost of original parts instead of aftermarket or third-party parts to repair your vehicle following damage due to a covered incident. OEM parts are made by your car manufacturer and are designed specifically for your car.

Chubb also offers diminished value coverage which pays you the agreed-upon value of your car rather than the vehicle’s actual depreciated value if it is totaled or stolen. In addition, Chubb’s classic car insurance is a valuable add-on if you own a collectible car. Your car needs to be at least 30 years old, part of a larger vehicle collection or a limited production model to qualify for this coverage.

Best Cheap Car Insurance in Wichita Falls

Our analysis of affordability and service quality for policies that only meet Texas’ minimum coverage requirements indicated that these are the best auto insurance companies in Wichita Falls:

  • Texas Farm Bureau Group: MoneyGeek score 81 out of 100 ($256 per year)
  • State Farm: MoneyGeek score 78 out of 100 ($258 per year)

Minimum coverage is the cheapest insurance available but be forewarned that this type of policy gives you little protection against liability costs. It also only covers third-party damages and won’t cover repairs or other expenses if your car is damaged in an accident.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

An affordable minimum coverage policy costs about $256 per year

Ranks second for customer satisfaction out of 11 insurers

Offers discounts for insuring multiple cars, safe driving and installing an anti-theft system

cons

Doesn’t offer discounts for going paperless or paying in full

COMPANY HIGHLIGHTS

Texas Farm Bureau earns excellent J.D. Power customer satisfaction rankings and offers the most affordable minimum coverage policies in Wichita Falls. You can reduce these rates even further through several discounts. You can qualify by insuring multiple cars or bundling your auto policy with a home or renters insurance policy.

There are also ways to get a discount without purchasing additional policies, such as by having an anti-theft system in your car or being claims-free with the company’s safe driving discount. You could also qualify for discounts if you’re a young adult under 25 and have completed an accredited driver training course or if you’re a student with good grades.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Wichita Falls

The average cost of car insurance in Wichita Falls for a full coverage policy is $965 per year. This is $236 cheaper than the average cost of car insurance in Texas ($1,201) and $300 less than the national average ($1,265). In collecting quotes, MoneyGeek used a sample full coverage policy that includes $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident. Note that location is just one of several factors that companies consider when calculating insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.