Village Auto Insurance Review (2021)

Our Village Auto Insurance company review will go into detail on rates and discounts for Village Insurance Agency. Located in Helotes, Texas, this company has been in operation since 1964. The average annual auto insurance rate in Texas is $528.75. Its site does not list any discounts, but you should inquire to be sure. Always compare auto insurance rates before you choose an auto insurance company.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jan 26, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Village Insurance Agency is located in Helotes, TX.
  • Village Insurance Agency offers personal and commercial insurance.
  • Village Insurance Agency has been operating since 1964.

If you’re here today, you’re probably in the market for your first, or next, insurer. We’ll be covering Village Insurance Agency in Helotes, TX to see if they are the one for you.

Is the best and most affordable auto insurance from the same company the same for everyone? It depends on your needs. If you want to find an insurer, compare the little guys (like Village Insurance Agency) as well as the main insurers. Further down, we’ll go into detail about how you can save as much money as possible.

Ready to buy auto insurance? Get a start by typing your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area.

What are the minimum auto insurance requirements?

Whether you end up getting a policy from Village Insurance Agency or one of the nationwide mega-insurers, you’re going to need to be covered before hopping on the road.

While we will be focusing on auto insurance today, you may be wondering if Village Insurance Agency offers any other forms of coverage. They actually have many. Let’s take a look.

  • Homeowner Insurance
  • Condo Insurance
  • Renters Insurance
  • Flood Insurance
  • Landlord Insurance
  • Motorcycle Insurance
  • RV Insurance
  • Umbrella Policies
  • Boat Insurance
  • Life Insurance
  • Off-Road Vehicle Insurance
  • Collectible Automobiles
  • Earthquake Insurance
  • Health Insurance

According to the Insurance Information Institute, some form of liability coverage is required in each state. With that being said, let’s take a look at a table that will show you what you need to get behind the wheel in your state.

Minimum Auto Insurance Coverage Requirements by State
U.S. StatesType of Insurance Coverage RequiredMinimum Liability Coverage Requirements
AKBI & PD Liab50/100/25
ALBI & PD Liab25/50/25
ARBI & PD Liab, PIP25/50/25
AZBI & PD Liab15/30/10
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DCBI & PD Liab, UM25/50/10
DEBI & PD Liab, PIP25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IABI & PD Liab20/40/15
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MABI & PD Liab, PIP20/40/5
MDBI & PD Liab, PIP, UM, UIM30/60/15
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MOBI & PD Liab, UM25/50/25
MSBI & PD Liab25/50/25
MTBI & PD Liab25/50/20
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
NEBI & PD Liab, UM, UIM25/50/25
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NVBI & PD Liab25/50/20
NYBI & PD Liab, PIP, UM, UIM25/50/10
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VABI & PD Liab (9), UM, UIM25/50/20
VTBI & PD Liab, UM, UIM25/50/10
WABI & PD Liab25/50/10
WIBI & PD Liab, UM, Medpay25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WYBI & PD Liab25/50/20
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, the table shows only liability coverage. This is the bare minimum every state is going to require.

To go into a bit more detail, every state requires property damage liability (PDL) Insurance and almost every state requires bodily injury liability (BIL) insurance.

If your state requires more than liability, make sure to get all the various forms of coverage you need. You may also want to add some optional coverage such as personal injury protection, which is not required in all states.

So, does Village Insurance Agency offer property damage liability and bodily injury liability? Absolutely. In terms of auto insurance, they offer liability coverage, no-fault coverage, collision, and comprehensive coverage.

Let’s take a look at a table showing the average annual auto insurance rates in Texas. Compare the rates shown with the one Village Insurance Agency provides you.

Average Annual Auto Insurance Rates in Texas
Auto Insurance by Coverage TypeAverage Annual Auto Insurance Rates in TX
Full Coverage$1109.66
Get Your Rates Quote Now

Compare RatesStart Now →

Let’s now move on to how to lower your premiums.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Available Discounts and Company Ratings

Always scour for any and every discount that applies to you. A benefit to going with a major insurer is they provide innumerable discounts. If you’re thinking of going local, ask your insurance representative what they can offer you.

In the age of COVID-19, one discount to consider is a low-mileage discount. Many name-brand insurers provide this type, and there’s a chance — to a lesser degree — that Village Insurance Agency will also.  With that being said, its webpage lists no discounts. Always inquire, and always comparison shop.

We’d like to stress not only the importance of discounts but also company reviews when comparing insurers. While A.M. Best currently has no information on Village Insurance Agency, they currently have an A+ rating from the Better Business Bureau despite not being BBB accredited.

Get a start by typing your ZIP code into our easy and free tool below to get affordable auto insurance rates in your area.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption