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Cost and Coverage (2023 Guide)


May 26, 2023 #Cost, #Coverage, #Guide

We at the Guides Auto Team have looked at the best car insurance companies on the market to see how La Familia Auto Insurance stacks up. One way to find affordable coverage is by comparing car insurance quotes from providers before choosing one.

La Familia Auto Insurance Reviews

We give La Familia Auto Insurance 6.7 stars out of 10.0. While you’ll likely receive low-cost car insurance through the agency, it’s pretty easy to compare car insurance quotes on your own. La Familia receives 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 car insurance in the Dallas-Fort Worth or San Antonio areas, you may have heard about La Familia Auto Insurance. The company might work if you’re looking for bare-bones coverage at a bargain rate, but some reviews indicate customer service could be improved.

La Familia Auto Insurance Pros and Cons

Below you will find detailed pros and cons of La Familia Auto Insurance.

About La Familia Auto Insurance

Founded: 2010
Headquarters: Carrollton, Texas
Better Business Bureau (BBB) rating: Not rated

La Familia Auto Insurance has gained a reputation in Texas for connecting customers with low-cost coverage. While the company doesn’t receive the strongest customer reviews, that’s rarely a top-of-mind issue for its customers, many of whom are considered high-risk drivers.

When you opt for La Familia Auto Insurance, you’re not getting coverage from 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 choices for the best car insurance in Texas.

La Familia Auto Insurance only has offices in regional locations such as Dallas, Arlington, Garland and San Antonio. If you’re in another region, you’ll need to look at other auto insurance companies. The company also offers homeowners and renters insurance, motorcycle coverage, commercial insurance, surety bond services, telemedicine and tax services.

La Familia Auto Insurance Cost

One of the main reasons Texas drivers turn to La Familia Auto Insurance is because it’s known for finding outstanding deals on car coverage. The company’s insurance agents can easily compare car insurance quotes to find the options that best suit your budget.

Rates will most likely be average. Texas drivers typically pay an average of $1,752 per year or $146 per month for a full coverage car insurance policy. This is 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 with the rest of the nation:

La Familia Car Insurance Discounts

Since drivers don’t purchase coverage straight from La Familia Auto Insurance, the company doesn’t have its own discounts. Expect the agency to work with other providers to find as many savings opportunities as possible, though.

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

You may receive some of these discounts depending on which provider La Familia Auto Insurance connects you with. Certain car insurance companies that work with La Familia have additional ways to save.

Factors That Affect La Familia Insurance Quotes

Certain factors nearly always affect auto insurance premiums, so we’ll go through a few of the most common ones below.

  • Location: Those in urban areas typically pay more for car insurance than rural residents.
  • Vehicle type: Expect higher-value cars to cost more to insure on average.
  • Age, gender and marital status: Young drivers, single motorists and men usually pay more for coverage.
  • Driving history: Anyone with a speeding ticket, recent accident or DUI violation on their record will pay more for car insurance.
  • Credit score: A poor credit history will lead to drastically higher rates.
  • Chosen deductible: Higher deductibles come with lower car insurance premiums.

High-risk drivers almost always pay more for car insurance, and they’re among the top customers of La Familia Auto Insurance. Many hope La Familia can find reduced prices for them in spite of their driving records.

La Familia Car insurance Coverage

Again, the exact coverage you’ll receive depends on the company La Familia Auto Insurance links you to. Here are some of the most basic types of auto insurance coverage:

It’s also possible to get roadside assistance and rental car coverage from La Familia Auto Insurance. These could help out if your car experiences a mechanical breakdown on the road.

Unlike many providers, La Familia has no issues insuring drivers with SR-22s, suspended licenses, foreign and non-Texas driver’s licenses and violations for DUIs and DWIs. You’ll need to look elsewhere if you need auto insurance for Mexico, though.

Texas Minimum Coverage Standards

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

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

All car insurance policies in Texas come with personal injury protection (PIP), though it can be rejected in writing.

La Familia Insurance Reviews

You’ll 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 out of fewer than 200 reviews. In contrast, La Familia Auto Insurance’s headquarter branch in Carrollton has no rating and no customer reviews. Our team reached out to La Familia Auto Insurance for a comment on this rating but did not receive a response.

La Familia Insurance Customer Reviews

Drivers routinely mention finding superb 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 have the best service possible.

La Familia doesn’t offer car insurance  directly, so it avoids many of the negative reviews that come during the claims process. You’ll still have to deal with whichever company La Familia Auto Insurance connects you with, so be sure to also consider its reviews.

La Familia Insurance: Conclusion

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

La Familia Auto Insurance Alternatives

While La Familia Auto Insurance may fit some drivers’ needs, there are multiple direct providers that can give you similarly competitive rates. It’s smart to consider Progressive and Geico if you’re looking for standout and cost-effective auto insurance.

Progressive: Low Rates for High-risk Drivers

J.D. Power regional rating: 831/1,000
AM Best financial strength rating: A+
Better Business Bureau (BBB) rating: F rating

If you’re a high-risk driver looking for affordable and excellent coverage, check Progressive out. 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 customer satisfaction in Texas in the J.D. Power 2022 U.S. Auto Insurance Study℠.

Keep reading: Progressive insurance review

Geico: Editor’s Choice

J.D. Power regional rating: 843/1,000
AM Best financial strength rating: A++
Better Business Bureau (BBB) rating: A+

Along with having an outstanding rating for financial health, Geico ranks close to average in the J.D. Power 2022 U.S. Auto Insurance Study℠. While it’s not the Lone Star State’s highest scorer in the J.D. Power Auto Insurance Study, Geico is known for having competitive rates and great discount opportunities.

Our team reached out to Geico for a comment on this rating but did not receive a response.

Keep reading: Geico insurance review

La Familia Car Insurance: FAQ

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

  • 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 choices for insurance coverage are more likely to meet consumer needs.
  • Reputation (15% of total score): Our research team considered market share, ratings from industry experts and years in business when giving this score.
  • Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements scored highest 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 J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

*Data accurate at time of publication.


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