Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 3, 2021

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Key takeaways...

  • ABBA Car insurance was started in 1992
  • ABBA Car Insurance is a privately owned auto insurance company
  • Texas fines drivers between $175 and $350 for a first conviction

ABBA Car Insurance is a privately owned auto insurance company with a single location in Carrollton, Texas.

It is not to be confused with ABBA Insurance Services, located in Ontario, California; ABBA Insurance, LLC, located in Kansas City, Missouri; or America’s Business Benefit Association (ABBA), which provides its members with access to certain kinds of insurance coverage.

ABBA Car insurance was started in 1992 and generates between $1 million and $2.5 million dollars of revenue annually.

In addition to car insurance packages to direct line car insurance and military car insurance, ABBA Car Insurance also offers financial insurance services. ABBA Car Insurance’s manager is John Rodda.

Be sure to review your ABBA car insurance quotes as well as quotes from other top auto insurance companies by entering your zip code above!

What Are The Requirements for Automobile Insurance in the State of Texas?

Every state has its own requirements for what type of automobile insurance motor vehicle drivers must carry within their jurisdiction. Abba Insurance Services markets their product in Texas.

The state of Texas expects motor vehicle drivers to assume financial responsibility for any accidents they cause.

Most drivers comply with this regulation by purchasing automobile liability insurance. In other words, they have a certain amount of bodily injury and property damage coverage to cover the other party’s costs if they cause an accident.

In addition, if the car is being financed or leased, the lender may require collision and comprehensive insurance coverage. They want to be sure the car will be covered in the event of a total loss. Even if you’re not financing your car, these additional coverages could save you thousands on covered damage or auto replacement.

The average cost of basic automobile insurance in the state of Texas is $955 a year. If you carry collision insurance you can expect to pay an additional $337 per year. While this may not seem like cheap auto insurance rates compared to the bare minimum, one serious accident can put things in perspective.

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What Is The Minimum Coverage Amount Needed for Auto Claims in Texas?

Bodily injury coverage pays for injuries to others should a driver become involved in an accident that he or she caused. In Texas, there is a minimum amount of bodily injury coverage for motor vehicle drivers you can buy from ABBA Car Insurance.

As of January 1, 2011, the limits include:

  • $30,000 for bodily injury to a single person
  • $60,000 for bodily injury to two or more people
  • $25,000 for property damage.

The penalties for violating the financial responsibility law are stiff. Texas fines drivers between $175 and $350 for a first conviction. This is in addition to the cost of the other party’s injuries and property damage. If you get in an accident uninsured, you become liable for that amount. Even if you don’t have enough liability coverage, you could become liable for remaining damages.

Subsequent convictions can result in a fine up to $1,000, suspension of one’s driving license and even automobile impoundment.

When a motor vehicle driver purchases an automobile insurance policy from ABBA Car Insurance, the company sends him or her a proof-of-insurance card. While some Abba auto insurance policies only have minimum liability coverage, it’s become increasingly common to get additional liability coverage to protect the insured.

Property Damage Coverage

Property damage insurance covers the damage to the other driver’s car, as well to any personal effects in the car or damage to other property such as a yard or a home, in the event of an accident caused by the policyholder.

As noted above, the state of Texas requires motor vehicle drivers to carry at least $25,000 in property damage insurance.

What Other Types of Insurance Does Abba Auto Insurance Offer?

The types of insurance described above are the minimum automobile insurance policies the state of Texas requires motor vehicle drivers to carry. Every Abba auto insurance policy will offer the minimums. If you want more coverage, it’s up to you to customize your policy.

The prudent driver will insure beyond the minimum, depending upon the value of his or her own automobile.

Some other popular types of automobile insurance include:

Collision Coverage  

This type of insurance pays for physical damage to the policyholder’s own car in the event of an accident.

It’s highly recommended for any driver whose car is worth $4,000 or more.

Comprehensive Coverage 

This type of insurance pays for physical damage to the policyholder’s car caused by fire, theft or any unforeseen act that could result in a loss.

It’s also highly recommended for any driver whose car is worth $4,000 or more.

Uninsured or Underinsured Motorist Coverage

Despite the stiff penalties for driving without insurance imposed by the Motor Vehicle Safety Responsibility Act Texas passed in 1981, it’s been estimated that 21 percent of the drivers on the Lone Star State’s highways do not carry automobile insurance policies.

Uninsured or underinsured policies will pay for your injuries or property damage up to your policy limit in the event that you are involved in an accident with someone who is not carrying insurance.

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Is ABBA car insurance company best for you?

Before making a decision to choose ABBA auto insurance as your insurance provider, be sure to shop around. The decision is ultimately up to you.

Pay attention to each quote as you compare because it will help you in the long run.

Comparing quotes and rates with our FREE tool will help you determine whether ABBA is right for you. Enter your zip code below now to get started!


  1. https://www.esurance.com/info/car/bodily-injury-and-property-damage-coverage
  2. https://www.nationwide.com/comprehensive-coverage-definition.jsp
  3. https://www.libertymutual.com/auto/car-insurance-coverage/collision-insurance