Auto insurance

Cost and coverage (Guide 2022)

We at the Home Media Review Team have reviewed the best car insurance companies in the market to see how La Familia Auto Insurance compares. One way to find affordable coverage is to compare auto insurance quotes from providers before choosing one.

La Familia car insurance review

We provide La Familia car insurance 6.7 stars out of 10.0. Although you’ll probably get low-cost auto insurance through the agency, it’s pretty easy to compare auto insurance quote all alone. La Familia gets spotty customer reviews for finding car insurance coverage when drivers can do it themselves for free.

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

If you’re looking for affordable auto insurance in the Dallas-Fort Worth or San Antonio areas, you may have heard of La Familia Auto Insurance. The company may work if you’re looking for minimal coverage at a great price, but some reviews say customer service could be improved.

Advantages and disadvantages of La Familia car insurance

Below are the detailed pros and cons of La Familia auto insurance.

About La Familia Auto Insurance

Based: 2010
Headquarter: Carrollton, TX
Rating from the Better Business Bureau (BBB): Unclassified

Familia Auto Insurance has earned a reputation in Texas for connecting customers with low-cost coverage. Although the company doesn’t get the strongest reviews from customers, it’s rarely a priority issue for its customers, many of whom are considered high-risk drivers.

When you opt for La Familia auto insurance, you are not covered by the company itself. Instead, La Familia is an independent insurance agency that connects motorists with low-cost coverage from providers. If you’re looking for a direct insurance provider, check out our picks for the best car insurance in texas.

La Familia Auto Insurance only has offices in areas such as Dallas, Arlington, Garland and San Antonio. If you are in another region, you will have to turn to other car insurance companies. The company also offers home and tenants insurance, motorcycle coverage, commercial insurance, bonding services, telemedicine and tax services.

Cost of La Familia car insurance

One of the main reasons Texas drivers turn to La Familia auto insurance is that it’s known for finding great deals on auto coverage. Company insurance agents can easily compare auto insurance quotes to find the best options for your budget.

Rates will most likely be average. Texas drivers typically pay on average $1,752 per year Where $146 per month for a comprehensive auto insurance policy. It’s just 1% higher than the national average of $1,730. Still, La Familia may be able to keep your prices relatively low for Texas standards.

Here’s how the state compares to the rest of the nation:

Discounts on La Familia car insurance

Since drivers do not purchase coverage directly from La Familia Auto Insurance, the company does not have its own discounts. Expect the agency to work with other vendors to find as many savings opportunities as possible.

Some of the most common car insurance discount in industry include the following:

You may qualify for some of these discounts depending on the provider La Familia Auto Insurance connects you with. Some car insurance companies that work with La Familia have additional ways to save.

Factors That Affect La Familia Insurance Quotes

Certain factors almost always affect auto insurance premiums, so we’ll go over a few of the more common ones below.

  • Location: Residents of urban areas generally pay more for auto insurance than residents of rural areas.
  • Vehicle type: Expect higher value cars to cost more to insure on average.
  • Age, sex and marital status: Young drivers, single motorists and men generally pay more for coverage.
  • Driving history: Anyone with a speeding ticket, recent accident, or DUI offense on their record will pay more for car insurance.
  • Credit score: A bad credit history will lead to considerably higher rates.
  • Chosen deductible: Higher deductibles come with lower car insurance premiums.

High-risk drivers almost always pay more for auto insurance, and they are among La Familia Auto Insurance’s best customers. Many are hoping that La Familia can find them discount prices despite their driving history.

La Familia Auto Insurance Coverage

Again, the exact coverage you will receive depends on the company to which you are linked by La Familia auto insurance. Here are some of the most basic types of auto insurance coverage:

It is also possible to obtain roadside assistance and rental car coverage from La Familia Auto Insurance. These could help you if your car suffers a mechanical breakdown while on the road.

Unlike many providers, La Familia has no problem insuring drivers with SR-22s, suspended licenses, foreign and non-Texan driver’s licenses, and DUI and DWI violations. However, you will have to look elsewhere if you need car insurance for Mexico.

Texas Minimum Coverage Standards

All Texas drivers must meet state requirements minimum coverage terms. All La Familia Auto Insurance policies will offer at least the following:

  • Personal injury liability insurance: $30,000 per person and $60,000 per accident
  • Property damage civil liability coverage: $25,000 per accident

All auto insurance policies in Texas come with Personal Injury Protection (PIP), although it can be waived in writing.

La Familia Insurance Reviews

You will find incredibly mixed reviews of La Familia Auto Insurance online. The company has 4.3 stars out of 5.0 on Google, but that’s on less than 200 reviews. In contrast, La Familia Auto Insurance’s head office branch in Carrollton has no customer ratings or reviews. Our team contacted La Familia Auto Insurance for a comment on this note, but did not receive a response.

Reviews of La Familia Insurance customers

Drivers regularly mention finding great rates through La Familia Auto Insurance. However, it’s easy to find users complaining about poor interactions with the company’s customer service representatives, so La Familia may not be providing the best possible service.

La Familia does not offer auto insurance directly, which avoids many of the negative reviews that arise during the claims process. You will always have to do business with the company that La Familia Auto Insurance connects you with, so be sure to consider their advice as well.

La Familia Insurance: Conclusion

We have found that La Familia offers low cost auto insurance coverage for most drivers in Texas. However, the company doesn’t get the strongest reviews on customer service. If you live in the Dallas-Fort Worth or San Antonio areas, it may be worth considering. Otherwise, we recommend that you contact the best auto insurance companies for quotes.

La Familia Car Insurance Alternatives

While La Familia auto insurance may meet the needs of some drivers, there are several direct providers who can offer you equally competitive rates. It’s smart to consider Progressive and Geico if you are looking for exceptional and profitable auto insurance.

Progressive: reduced rates for high-risk drivers

JD Power Regional Assessment: 831/1000
AM Best financial strength rating: A+
Rating from the Better Business Bureau (BBB): F-ranking

If you’re a high-risk driver looking for great, affordable coverage, check out Progressive. The company is well known for its low rates for those with DUI violations and poor credit scores. It also scored just below average for Texas customer satisfaction in the JD Power 2022 US Auto Insurance Study℠.

Keep reading: Progressive insurance review

Geico: Editor’s Choice

JD Power Regional Assessment: 843/1000
AM Best financial strength rating: A++
Rating from the Better Business Bureau (BBB): A+

In addition to having an outstanding rating for financial health, Geico ranks near average in the JD Power 2022 US Auto Insurance Study℠. Although not Lone Star State’s highest score in the JD Power Auto Insurance study, Geico is known for its competitive rates and excellent discount opportunities.

Our team has contacted Geico for comment on this rating but has not received a response.

Keep reading: Geico Insurance Review

La Familia car insurance: FAQs

Our Methodology

Because consumers rely on us to provide unbiased and accurate information, we’ve created a comprehensive rating system to formulate our ranking of the best car insurance companies. We’ve collected data on dozens of car insurance providers to score companies on a wide range of ranking factors. The end result was an overall score for each provider, with insurers who scored the most points at the top of the list.

Here are the factors taken into account by our assessments:

  • Cost (30% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
  • Coverage (30% of total score): Companies that offer a variety of insurance coverage choices are more likely to meet consumer needs.
  • Reputation (15% of total score): Our research team considered market share, industry expert ratings, and years in business to assign this score.
  • Availability (10% of total score): Auto insurance companies with greater state availability and fewer eligibility criteria scored higher in this category.
  • Customer experience (15% of total score): This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by JD Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own customer analysis.

*Data correct at time of publication.