Home » Car Insurance » Cheap Car Insurance Texas

Car Insurance in Texas

Lowest Premium

$285 / YEAR

Average Premium

$564 / YEAR

Highest Premium

$1207 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Texas is around $564 and can go up to $1207. This is for a 30-year-old female buying 50/100/50 coverage which is considered as the minimum liability.

According to the Insurance Information Institute, the average expenditure on car insurance in Texas state during 2016 was around $1009. But it doesn't give an idea of how much it will cost you. Car insurance premium depends on how much coverage you choose, and discounts that apply to your insurance plan.

Best Car Insurance Companies in Texas

According to Texas Department Insurance, the top 5 auto insurance companies are State Farm, Progressive, GEICO, Farmers, and Allstate. They offer different insurance plans to choose from and the premium amount also varies.

Company	Market share	Rating
State Farm	15.76%	4.2
Progressive	9.64%	4.3
Geico	8.07%	4.2
Farmers	7.46%	4.5
Allstate	7.43%	4.2
Liberty Mutual	5.46%	4.1
USAA	2.67%	4.4

Companies providing cheaper rates

The average annual car insurance rates from the cheaper and best companies are provided below.

Company	Avg. Rate
GEICO	$350
Farmers	$385
State Farm	$390
Allstate	$495
Progressive	$660

Finding the right car insurance in Texas

It is smarter to choose the right amount of coverages for your car insurance than opting for minimum requirement. This can vary depending on the car make, age and various other factors.

Insurance companies packs the coverages differently. So it is always better to get quotes from different companies to see who offers the best price.

Get a free online quote from different companies which only takes a couple of minutes.

Find affordable car insurance in your city

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

$30,000 coverage for all types of bodily injury suffered by one individual in one accident
Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
Damage to property or injury to others in one accident is $25,000.

Main Cities in Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurance policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First-time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursement, towing, and labor that will cover for the payments for the extra payments for renting a car during your car repair after an accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying the right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose the right amount of deductibles to get cheap car insurance.

How will traffic tickets affect auto insurance premiums?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic tickets affect your car insurance premium.

How to Car insurance claims

Are you confused about how car insurance claims works? Still, thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.