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Accidents, tickets, or claims can increase your Driver 4: Single female, age 35 Shopping Tips Texas Depar tment of Insurance
rates. If you have any accidents, tickets, or Driver 5: Married male, age 35 • Get quotes from several companies. Include
claims on your driving record during the past
three years, your rates may be higher.
Driver 6:
Driver 7:
Married female, age 35
Single male, age 66
independent agents in your search. Some
agents only represent a single company or
Automobile
Auto insurance companies in Texas set their
Driver 8: Single female, age 66 company group. Independent agents may rep Insurance
own rates and file them with Texas Department
Driver 9:
Driver 10:
Married male, age 66
Married female, age 66
resent several companies.
• Consider factors other than cost. Also con
Sample Rate
of Insurance (TDI) for review. Companies do
not have to receive prior approval before using A.M. Best Rating
sider a company’s financial rating and com
plaint history.
Comparisons
their rates, but if TDI determines that a compa The A.M. Best rating indicates the financial • Ask about discounts. Discounts vary by com
Big Country
ny’s filed rates are excessive, it can order the strength and operating performance of each
company to make refunds. pany. Some companies may offer discounts if
company. The ratings are reprinted by permis you have multiple policies with the company,
How to Use the Rate Comparisons sion. Best’s ratings are subject to change and are have anti-theft devices in your car, or have
This guide can help you compare sample annu current as of the publication date. For current completed a driver education course. Other
al rates for companies that sell auto liability rating information, call A.M. Best or visit its discounts may be available.
insurance in Texas. It includes companies website • Ask what coverages are included. Coverages
among the top 25 insurer groups nationally and 1-908-439-2200
and limits can vary from policy to policy.
others that asked to be in the guide. The guide www.ambest.com
Choose a policy with the coverages you need
is not a complete list of all companies selling and with limits that will adequately protect
auto insurance in your area, and you should not Ratings Classifications your assets.
limit your search to only the companies listed. A++ and A+ mean Superior • Consider buying more coverage. If you are TEXAS LAW REQUIRES proof of financial respon
A and A- mean Excellent legally responsible for an accident, the basic sibility for anyone who drives an automobile in
The sample rates shown are estimates given to
B++ and B+ mean Very Good liability limits may not be enough. the state. Most Texans choose to purchase liabil
TDI by the companies and are not the exact
B and B- mean Fair • Answer all questions on the application ity insurance to meet this requirement.
amount you will be quoted. Contact the compa
C++ and C+ mean Marginal truthfully. Wrong information could result in
nies directly for a quote based on your individ Liability insurance pays for bodily injury, prop
C and C- mean Weak an incorrect price quote or a denial or cancel
ual circumstances. erty damage, and some additional expenses of
NR means the company was not rated by A.M. lation of coverage.
The sample rates are for minimum liability cov other drivers, their passengers, and your passen
Best. • Don’t cancel a policy until you have a new
erage only. Liability coverage does not pay for gers when you or a driver covered by your poli
policy in effect.
damages to your own vehicle. You’ll need to add A.M. Best Co. is not responsible for errors in cy causes an accident. Liability insurance does
collision and comprehensive coverages to your presentation or content and does not endorse Unfair Discrimination not pay for damage to your own vehicle.
policy to repair or replace your vehicle if it’s this publication in any way. An insurance company cannot deny, refuse to
The current minimum liability limits required by
damaged or stolen. If you still owe money on renew, limit or charge more for coverage, or
Complaint Index law are $25,000 for each injured person, up to a
your car, your lender will require you to have unfairly discriminate because of your race,
The complaint index shows how consumer total of $50,000 per accident, and $25,000 for
these coverages. color, religion, or national origin. A company
complaints filed against a company compare to property damage per accident. This basic cover
also may not discriminate because of your age,
Driver Profiles the average for other companies selling the age is called “25/50/25” coverage. The limits
gender, marital status, geographic location, or
The sample rates are based on hypothetical driv same type of insurance. will increase on January 1, 2011 to “30/60/25”
disability or partial disability, unless the refusal,
er “profiles.” The profiles may not match your The average index is 1.00. A complaint index coverage.
limitation, or higher rate is based on sound
situation exactly, but they provide a way to com less than 1.00 indicates that a company received underwriting or actuarial principles. This means Understanding Rates
pare prices. View the sample rates for the profile fewer complaints than average, and an index the company must have valid evidence that you Auto insurers evaluate your risk for a claim
that most closely matches your situation. All of greater than 1.00 indicates that a company present a greater risk for a loss than drivers it is using your driving record and numerous other
the hypothetical drivers drive their cars to and received more complaints than average. willing to insure. factors, including the type of car you drive, the
from work, live in a town or city, don’t have any The complaint index is calculated periodically. area where you live, your claims history, your
traffic violations, and have “average” credit. For the current index, view the sample rate Published by the insurance credit score, your age, and how you
Driver 1: Single male, age 18 comparisons on our website at www.helpin Texas Department of Insurance use your car (for pleasure or to drive to and
Driver 2: Single female, age 18 sure.com. October 2009 from work). Your rates are based on your risk
Driver 3: Single male, age 35 apc08.1009 for a claim.
As of June 1, 2009 D R I V E R P R O F I L E S & S A M P L E A N N U A L R AT E S Visit Helpinsure.com
A.M. BEST COMPLAINT
COMPANY NAME 1 2 3 4 5 6 7 8 9 10 RATING INDEX CONSUMER PHONE
Helpinsure.com is a free service of the Texas
AAA Texas County Mutual Ins. Co. $989 $805 $291 $293 $274 $278 $314 $307 $303 $300 A+ 2.48 (866) 487-4222 Department of Insurance and the Office of
AIG Casualty Co. 3,801 2,783 874 874 815 815 860 860 800 800 A 0.00 Contact local agent
Public Insurance Counsel to help you shop for
auto insurance. The website lists sample rates
AIG Centennial Ins. Co. 1,136 934 313 290 286 309 300 290 338 340 A 0.82 (877) 310-5687
for hundreds of additional driver profiles that
Allstate County Mutual Ins. Co. 1,057 926 566 537 554 546 567 567 567 567 A+ 1.75 (800) 255-7828
may more closely match your situation. You’ll
Allstate Fire and Casualty Ins. Co. 697 606 286 297 255 265 287 287 287 287 A+ 1.62 (800) 255-7828 also find information about discounts, detailed
Colonial County Mutual Ins. Co.–Criterion 1,090 956 362 396 346 346 466 380 346 346 A+ 1.22 (800) 841-3000 policy coverage comparisons, the percentage by
Colonial County Mutual Ins. Co.–Lone Star 1,433 1,112 422 418 407 407 396 392 384 381 A+ 1.22 (800) 882-2822 which each company’s rates have changed over
Consumers County Mutual Ins. Co 2,128 1,334 282 274 282 272 306 288 300 304 NR 1.17 Contact local agent time, and shopping tips.
Encompass Indemnity Co. 1,657 1,382 509 509 457 457 478 478 448 448 A+ 0.00 Contact local agent www.helpinsure.com
Esurance Ins. Co. 2,644 2,122 852 840 762 734 942 834 794 790 A- 5.13 (800) 378-7262
Farm Bureau County Mutual Ins. Co. of Texas 1,304 1,011 393 393 393 393 393 393 393 393 A- 0.11 Contact local agent For More Information or Assistance
Farmers Texas County Mutual Ins. Co. 2,337 1,787 420 420 420 420 353 353 353 353 A 0.52 (800) 327-6377 For answers to general insurance questions or
GEICO Indemnity Co. 1,060 930 352 386 336 336 453 369 336 336 A++ 0.81 (800) 861-8380
for information on filing an insurance-related
complaint, call the Consumer Help Line between
Government Employees Ins. Co. 1,061 860 249 237 193 193 288 288 273 273 A++ 0.50 (800) 861-8380
8 a.m. and 5 p.m., Central time, Monday-Friday,
Home State County Mutual Ins. Co.–Esurance 2,440 1,966 808 798 726 702 892 792 758 754 NR 2.01 (800) 378-7262 or visit our website
Home State County Mutual Ins. Co.–Safeco 1,118 980 285 287 286 275 255 223 270 215 NR 2.01 Contact local agent
Home State County Mutual Ins. Co.–Titan 1,233 1,101 432 448 385 351 412 361 364 283 NR 2.01 (800) 848-2687
1-800-252-3439
463-6515 in Austin
Liberty County Mutual Ins. Co. 1,381 867 350 350 350 350 345 345 345 345 A 0.98 Contact local agent
www.tdi.state.tx.us
Loya Ins. Co. 2,745 2,089 1,077 1,005 805 721 1,029 849 841 713 NR 3.25 (800) 554-0595
Merastar Ins. Co. 2,022 1,570 610 610 610 610 550 550 550 550 A- 8.57 (800) 637-2782 For printed copies of consumer publications,
Mercury County Mutual Ins. Co. 1,470 1,224 522 480 440 426 662 582 522 494 A- 1.42 (800) 503-3724 call the 24-hour Publications Order Line
Metropolitan Lloyds Ins. Co. of Texas 1,064 864 351 267 267 261 275 275 296 239 A 1.04 (800) 422-4272 1-800-599-SHOP (7467)
National General Ins. Co. 2,052 1,623 505 599 402 365 656 539 500 402 B++ 0.67 (800) 462-2123 305-7211 in Austin
Old American County Mutual Fire Ins. Co. 1,857 1,380 545 535 479 392 547 570 577 386 NR 4.64 Contact local agent
Help us prevent insurance fraud. To report sus-
Progressive County Mutual Ins. Co.–Agent 1,641 1,388 327 331 285 280 364 331 313 291 A+ 0.74 Contact local agent
pected fraud, call our toll-free Fraud Hot Line
Progressive County Mutual Ins. Co.– 1,707 1,291 277 277 259 251 367 311 277 289 A+ 0.74 (800) 776-4737
Direct Rates 1-888-327-8818
Southern County Mutual Ins. Co.– 1,634 1,463 473 437 462 426 550 531 531 514 A- 1.11 (877) 422-4567
Hartford Casualty
To report suspected arson or suspicious activity
involving fires, call the State Fire Marshal’s 24
Southern County Mutual Ins. Co.– 1,042 942 406 377 386 359 331 342 320 331 A- 1.11 (888) 808-5254
Hartford Fire
hour Arson Hot Line
State Farm County Mutual Ins. Co. of Texas 1,279 991 400 400 400 400 359 359 359 359 A++ 0.47 Contact local agent 1-877-4FIRE45 (434-7345)
State Farm Mutual Automobile Ins. Co. 1,096 850 344 344 344 344 308 308 308 308 A++ 0.27 Contact local agent
The sample rates are estimates given to TDI by the companies
Texas Automobile Insurance Plan Association 1,130 880 391 391 391 391 391 391 391 391 NR 0.00 (866) 321-9154 listed. Your actual premium will be based on your individual
Texas Farm Bureau Mutual Ins. Co. 959 744 289 289 289 289 289 289 289 289 A- 0.22 Contact local agent circumstances and could be higher or lower than the sample
Trinity Universal Ins. Co. 1,238 1,078 448 448 432 448 388 388 388 388 A- 0.73 Contact local agent rates shown. To get an exact premium quote, contact the com
United Services Automobile Association 604 530 210 210 185 188 209 206 197 198 A++ 0.63 (800) 531-8722
pany or an agent directly. Some companies may require you to
meet eligibility requirements. Sample rates are provided for
Unitrin County Mutual Ins. Co.–Charter 2,254 1,850 538 528 485 477 551 543 498 490 A- 1.93 Contact local agent informational purposes only. TDI does not endorse any prod-
Unitrin Direct Ins. Co. 1,558 1,188 424 428 404 392 536 468 428 440 A- 0.00 (800) 216-6347 uct, service, or company.
USAA County Mutual Ins. Co. 718 628 237 237 208 211 236 232 222 223 A++ 0.81 (800) 531-8722
The sample rates are estimates. Contact an agent or company for a rate quote. Visit HelpInsure.com for additional profiles and more detailed information.
