Are you looking for car insurance options in Texas? Whether you’re looking for cheap auto insurance, want to compare the best insurance companies, or want to understand Texas minimum insurance requirements, this guide is for you.
Here you’ll learn how young drivers can save money on insurance quotes after an accident. Additionally, you’ll also find information about insurance trends and affordable liability insurance options in different cities in Texas.
Understanding Car Insurance in Texas
Choosing car insurance in Texas is not only a legal requirement, but it is also extremely important for your financial security. By understanding the specific state requirements and available options, you can make the best decision for your needs and budget.
Types of Car Insurance in Texas
There are different types of car insurance available in Texas, which affect your coverage and expenses:
- Liability Insurance: This insurance covers any damage you cause, such as causing damage to someone else’s vehicle or property. This is the minimum legal requirement in Texas.
- Full Coverage Insurance: This includes liability, collision and comprehensive coverage, which also covers damages to your vehicle.
- Uninsured/Underinsured Motorist Coverage: This is for situations when the other party does not have adequate coverage.
Cheap Car Insurance Options in Texas
Finding a cheap car insurance policy in Texas is not only possible, but with the right information and strategy you can find the most affordable option that meets your needs. In this section, we will discuss full coverage, liability insurance, and cost-saving tips.
Affordable Full Coverage Insurance in Texas
Choosing full coverage insurance in Texas can be a wise move for your vehicle and financial security. However, finding the right policy can be challenging. Based on the data given below, you can easily compare the premiums of different companies and choose the right option as per your budget.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $829 | $138 |
| State Farm | $918 | $153 |
| GEICO | $938 | $156 |
| USAA | $955 | $159 |
| Progressive | $1,139 | $190 |
| Allstate | $2,079 | $347 |
Cheap Liability Insurance in Texas
Liability insurance is legally required in Texas and is extremely important to your financial security. Comparative analysis of premiums of different companies helps in choosing the right policy. The table below will help you compare cheap liability insurance options.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $271 | $45 |
| Texas Farm Bureau | $313 | $52 |
| USAA | $317 | $53 |
| GEICO | $327 | $54 |
| State Farm | $370 | $62 |
| Allstate | $771 | $128 |
Auto Insurance for Specific Drivers in Texas
Auto insurance requirements and premiums may vary for each driver in Texas. The challenges and questions regarding insurance increase, especially for young drivers and after an accident or traffic ticket. Here we will give detailed information on both these situations.
Cheap Auto Insurance for Teens and Young Drivers in Texas
Auto insurance is often more expensive for teen and young drivers because they are classified as a riskier category. However, the table below will help you compare the average premiums of different companies, so that you can choose the most affordable option.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $1,535 | $256 |
| USAA | $2,031 | $338 |
| GEICO | $2,351 | $392 |
| State Farm | $2,826 | $471 |
| Allstate | $3,664 | $611 |
| Progressive | $5,382 | $897 |
Texas Auto Insurance Quotes After an Accident or Ticket
After an accident or traffic ticket, the cost of auto insurance can increase. However, by comparing the premiums of different companies, you can choose the best option as per your need and budget. Analyze the average premium of the companies from the table given below.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $1,089 | $181 |
| Texas Farm Bureau | $1,293 | $216 |
| GEICO | $1,370 | $228 |
| USAA | $1,445 | $241 |
| Progressive | $1,868 | $311 |
| Allstate | $3,326 | $554 |
Auto Insurance Quotes Based on Violations in Texas
Any driving violation can impact your auto insurance premium. The table below shows the average annual premium and premium increase for different types of violations. This data will help you understand which violations may impact your insurance premiums the most.
| Accident/Violation | Avg. Annual Premium | $ Rate Increase |
|---|---|---|
| None | $2,589 | $0 |
| One Med/PIP claim | $2,615 | $27 |
| One comp claim | $2,746 | $157 |
| Not-at-fault accident | $2,772 | $183 |
| Two Med/PIP claims | $2,781 | $192 |
| Failure to show documents | $2,880 | $292 |
| Driving with expired registration | $2,909 | $320 |
| Two comp claims | $2,924 | $336 |
| Driving without lights | $2,951 | $363 |
| Texting while driving | $2,955 | $366 |
| Cell phone violation | $2,955 | $366 |
| Driving too slowly | $2,960 | $371 |
| Speeding in school zone | $2,960 | $371 |
| Speeding 16 – 20 MPH over limit | $2,964 | $376 |
| Speeding 6 – 10 MPH over limit | $2,964 | $376 |
| Speeding 11 – 15 MPH over limit | $2,964 | $376 |
| Failure to wear a seat belt | $2,974 | $385 |
| Child safety restraint | $2,974 | $385 |
| In 65 MPH zone | $2,984 | $396 |
| Failure to stop at a red light | $3,003 | $415 |
| Failure to yield | $3,003 | $415 |
| Improper passing | $3,003 | $415 |
| Following too closely | $3,003 | $415 |
| Illegal turn | $3,003 | $415 |
| Speeding 21 – 25 MPH over limit | $3,005 | $417 |
| Wrong way/wrong lane | $3,012 | $423 |
| Passing school bus | $3,014 | $426 |
| Operating a vehicle without permission | $3,024 | $435 |
| At-fault accident – less than $1000 | $3,142 | $553 |
| Open container | $3,541 | $952 |
| Driving with a suspended license | $3,671 | $1,083 |
| Reckless driving | $3,888 | $1,299 |
| Racing | $3,893 | $1,304 |
| Leaving scene of an accident/hit and run | $3,984 | $1,396 |
| At-fault accident – $1000-$2000 | $3,999 | $1,411 |
| Refusal to submit to a chemical test | $4,117 | $1,529 |
| DUI | $4,172 | $1,583 |
| At-fault accident – greater than $2000 | $4,346 | $1,757 |
Best Car Insurance Companies in Texas
Choosing the right car insurance company in Texas can not only save your budget, but it also ensures your protection and satisfaction. In this section we will discuss the top rated insurance companies in Texas and ways to compare them effectively.
Top-Rated Car Insurance Providers in Texas
It is important to consider premium cost, coverage options, and customer service when selecting the top-rated car insurance companies in Texas. The table below breaks down the average premium costs for the most popular companies in Texas.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Texas Farm Bureau | $829 | $138 |
| State Farm | $918 | $153 |
| GEICO | $938 | $156 |
| USAA | $955 | $159 |
| Auto Club | $1,268 | $211 |
How to Compare Car Insurance Companies in Texas
Comparison is essential to select the right car insurance company. Below are some important points that will help you:
- Compare Premium Rates
- Get quotes from different companies.
- Understand the monthly and six-month premium costs.
- Assess the Type of Coverage
- Does the company offer liability, collision, and comprehensive coverage?
- Check for additional coverage such as roadside assistance, uninsured motorist coverage.
- Read Customer Reviews
- Read online ratings and reviews.
- Check the simplicity of the claim process and the reliability of the company.
- Evaluate Discounts and Offers
- Compare good driver, multi-car and safety feature discounts.
- Contact Local Agents
- Learn about companies’ policies individually.
- Get advice based on your needs.
Car Insurance Trends and Regional Insights in Texas
Car insurance costs and trends in Texas depend not only on state laws, but also factors that change between cities and over time. Here we’ll discuss the state of car insurance in popular cities in Texas and how it’s changed over the years.
Car Insurance in Popular Texas Cities
Car insurance costs vary in different cities in Texas. The difference depends mainly on the city’s traffic, road safety, and vehicle theft rates. The table below can compare average premiums in major Texas cities.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Houston | $1,267 | $211 |
| Dallas | $1,250 | $208 |
| San Antonio | $1,107 | $184 |
| Fort Worth | $1,072 | $179 |
| Austin | $1,048 | $175 |
| El Paso | $1,036 | $173 |
How Car Insurance Costs in Texas Have Changed Over Time
The cost of car insurance in Texas has varied constantly over time. These changes are based on many factors, such as economic conditions, accident rates, vehicle repair costs, and changes in insurance rules. The table below shows the average annual premium and annual increase for different years in Texas.
| Year | Avg. Annual Premium — Texas | Yearly $ Change — Texas |
|---|---|---|
| 2024 | $2,115 | $493 |
| 2023 | $1,622 | ($364) |
| 2022 | $1,986 | $402 |
| 2021 | $1,584 | $86 |
| 2020 | $1,498 | $79 |
| 2019 | $1,419 | ($361) |
| 2018 | $1,780 | ($16) |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | ($323) |
| 2015 | $1,885 | $216 |
What Are Texas’ Minimum Auto Insurance Requirements?
It is legally mandatory to follow the minimum auto insurance coverage requirements for driving in Texas. This provides financial security not only for you but also for other drivers on the road. The table below details the mandatory minimum coverages and their amounts in Texas.
| Coverage | What it Covers | Minimum Amount |
|---|---|---|
| Bodily injury liability | Injuries you cause to others in an accident | $30,000 per person $60,000 per accident |
| Property damage liability | Damage you cause to other people’s property in an accident | $25,000 per accident |
| UM/UIM bodily injury | Your medical expenses an uninsured or underinsured driver causes | $30,000 per person $60,000 per accident |
| UM/UIM property damage | Damage to your property an uninsured or underinsured driver causes | $25,000 with a $250 deductible |
| Personal injury protection (PIP) | Your medical costs due to an accident, plus lost wages and death benefits, regardless of who’s at fault. | $2,500 |
Is Texas a No-Fault State?
No, Texas is not a no-fault state. This means that the driver responsible for the accident in Texas has to pay for the other party’s damages and medical expenses. This is called fault-based system.
In this system, the victim contacts the insurance company of the at-fault driver for a claim. Drivers in Texas are required to carry minimum liability coverage to cover financial responsibilities in the event of accidents.
For better protection, consider options like Personal Injury Protection (PIP) and Uninsured Motorist coverage. This coverage can increase your financial security.
Conclusion
Choosing car insurance in Texas is an important decision that affects both your protection and your budget.
In this guide we’ve covered Texas’ minimum insurance requirements, affordable options, special plans for individual drivers, and the top insurance companies. Whether you’re buying a policy for the first time or looking to update your existing coverage, the right information and comparison can help you make the best decision.