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Home » Car insurance » Texas » Cheap Car Insurance Corpus Christi

Cheap Car Insurance in Corpus Christi

Lowest Premium

$437 / YEAR

Average Premium

$605 / YEAR

Highest Premium

$844 / YEAR

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

The average annual premium in Corpus Christi is around $605 and can go upto $844. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

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.

It is legally mandatory to have car insurance in Corpus Christi city. There are more than a dozen insurers in the city that offer car insurance. A full coverage car insurance in Corpus Christi costs an average of $1,560. This is very high compared to the state average car insurance which is around $1,200. The most expensive car insurance in Corpus Christi comes around $2,350. The car insurance for teenage drivers can go even higher in the city.

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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
GEICO$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Corpus Christi by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Corpus Christi. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Scroll inside this box to view all zip codes

ZipAvg. Premium
78401$623
78402$593
78404$563
78405$600
78406$570
78407$577
78408$607
78409$601
78410$583
78411$559
78412$605
78413$566
78414$610
78415$606
78419$622

Insurance Agents in Corpus Christi, TX and Near by

Agents by ZIP code:
  • 0 mi
    Higginbotham Insurance Agency
    500 N Shoreline Blvd Ste 1200, Corpus Christi, TX 78401
    (361) 883-1711
  • 0 mi
    Carlisle Insurance
    500 N Water St Ste 900, Corpus Christi, TX 78401
    (361) 884-2775
  • 0 mi
    Moore Insurance Agency
    500 N Water St Ste 702, Corpus Christi, TX 78401
    (361) 991-9000
  • 0 mi
    Borden Insurance
    210 S Carancahua St # 4, Corpus Christi, TX 78401
    (361) 882-6543
  • 0 mi
    IBC Insurance Agency
    221 S Shoreline Blvd, Corpus Christi, TX 78401
    (361) 985-1900
  • 0 mi
    Clark James
    555 S Shoreline Blvd Ste 102, Corpus Christi, TX 78401
    (361) 887-2881
  • 10.96 mi
    Autopartners Insurance Agency
    4234 Ayers St, Corpus Christi, TX 78415
    (361) 808-8700
  • 10.96 mi
    A-Max Auto Insurance
    4234 Ayers St Ste 25, Corpus Christi, TX 78415
    (361) 854-6000
  • 10.96 mi
    Direct General Auto Insurance
    4322 Ayers St, Corpus Christi, TX 78415
    (361) 851-8555
  • 10.96 mi
    Ai United Insurance
    4425 Kostoryz Rd, Corpus Christi, TX 78415
    (361) 808-7770
  • 10.96 mi
    Acceptance Auto Insurance
    4701 Ayers St Ste 606, Corpus Christi, TX 78415
    (361) 806-0140
  • 10.96 mi
    Tejas Auto Insurance
    4701 Ayers St Ste 104, Corpus Christi, TX 78415
    (361) 814-0030
  • 10.96 mi
    Priscilla Molina
    4721 Kostoryz Rd, Corpus Christi, TX 78415
    (361) 885-0808
  • 10.96 mi
    Affordable Insurance of Texas
    5133 Kostoryz Rd Ste B, Corpus Christi, TX 78415
    (361) 854-0207
  • 10.96 mi
    Discount Auto Insurance
    3333 S Padre Island Dr, Corpus Christi, TX 78415
    (361) 225-2565
  • 10.96 mi
    Joe Morales Insurance Agency
    5230 Kostoryz Rd Ste 18, Corpus Christi, TX 78415
    (361) 852-4292
  • 10.96 mi
    Laura Harris
    3837 S Padre Island Dr, Corpus Christi, TX 78415
    (361) 985-2875
  • 10.96 mi
    Atlas Insurance Agency
    5110 Wilkinson Dr Ste 103, Corpus Christi, TX 78415
    (361) 814-9400
  • 10.96 mi
    Mary Garcia
    5423 Kostoryz Rd Ste 1, Corpus Christi, TX 78415
    (361) 814-8828
  • 10.96 mi
    Del Mar Insurance Associates
    3801 Saratoga Blvd Ste 105, Corpus Christi, TX 78415
    (361) 986-0700
  • 12.28 mi
    Coastal Bend Insurance
    15122 Northwest Blvd Ste 6, Corpus Christi, TX 78410
    (361) 767-8000
  • 12.28 mi
    Nora Perez Saenz
    14617 Northwest Blvd Ste B, Corpus Christi, TX 78410
    (361) 767-6800
  • 12.28 mi
    Jack Taylor
    14241 Northwest Blvd Ste 103, Corpus Christi, TX 78410
    (361) 767-9333
  • 12.28 mi
    Gene McWhorter
    14101 Northwest Blvd Ste 107, Corpus Christi, TX 78410
    (361) 767-0750
  • 12.28 mi
    Michael Cicherski
    4250 Five Points Rd Ste 4, Corpus Christi, TX 78410
    (361) 241-8777
  • 12.28 mi
    Reyna Insurance Agency
    13434 Leopard St Ste A8, Corpus Christi, TX 78410
    (361) 242-3223
  • 12.28 mi
    Direct General Auto Insurance
    11100 Leopard St, Corpus Christi, TX 78410
    (361) 248-3209
  • 12.28 mi
    Johnnie Bickham
    11014 Leopard St, Corpus Christi, TX 78410
    (361) 241-7621
  • 12.28 mi
    Steven Webb
    11217 Leopard St Ste B, Corpus Christi, TX 78410
    (361) 242-2442
  • 12.28 mi
    TWFG Insurance Services - Cathy Graves
    13330 Leopard St Ste 1, Corpus Christi, TX 78410
    (361) 241-0003
  • 12.28 mi
    Binyon Insurance Agency LLC
    9922 Leopard St Ste 202, Corpus Christi, TX 78410
    (361) 241-3748
  • 12.28 mi
    Aubrey Bryan
    10308 Leopard St, Corpus Christi, TX 78410
    (361) 241-7636
  • 12.28 mi
    Alliance Insurance Agency
    13310 Leopard St Ste 4, Corpus Christi, TX 78410
    (361) 241-3303
  • 12.28 mi
    Salvador Ochoa
    13310 Leopard St Ste 23, Corpus Christi, TX 78410
    (361) 248-4317
  • 18.01 mi
    John Maldonado
    9450 S Padre Island Dr Ste 1, Corpus Christi, TX 78418
    (361) 232-3611
  • 18.01 mi
    Linda Morrison
    9450 S Padre Island Dr Ste 1, Corpus Christi, TX 78418
    (361) 937-8052
  • 18.01 mi
    Jennifer Tennill
    1145 Waldron Rd, Corpus Christi, TX 78418
    (361) 939-7300
  • 18.01 mi
    Dewitt Insurance - Todd Moore
    14641 S Padre Island Dr Ste B, Corpus Christi, TX 78418
    (361) 949-0606
  • 18.01 mi
    Annaville Insurance Agency
    14602 Compass St Ste A, Corpus Christi, TX 78418
    (361) 949-6787
  • 18.01 mi
    Merida Nardone
    15121 S Padre Island Dr Ste 104, Corpus Christi, TX 78418
    (361) 949-8008
  • 18.01 mi
    Star Advantage Insurance Agency
    15217 S Padre Island Dr, Corpus Christi, TX 78418
    (361) 949-0333
  • 18.01 mi
    Moore Insurance Agency
    14517 Spid Dr Unit 3, Corpus Christi, TX 78418
    (361) 949-3301
  • 2.08 mi
    Keetch & Associates Insurance
    1718 Santa Fe St, Corpus Christi, TX 78404
    (361) 883-3803
  • 2.08 mi
    Linda Sue Caldera
    2001 S Staples St, Corpus Christi, TX 78404
    (361) 884-8393
  • 2.08 mi
    CMM Insurance Agency
    1901 Baldwin Blvd Ste C, Corpus Christi, TX 78404
    (361) 654-0085
  • 2.08 mi
    Tapia Insurance Agency
    2777 S Staples St Ste E, Corpus Christi, TX 78404
    (361) 853-0702
  • 2.08 mi
    Richard Peetz
    3038 S Alameda St, Corpus Christi, TX 78404
    (361) 887-7801
  • 2.08 mi
    Lancaster & Bay Insurance Agency
    3124 S Alameda St, Corpus Christi, TX 78404
    (361) 853-0405
  • 2.08 mi
    Joely Delvecchio
    525 Glazebrook St Ste C, Corpus Christi, TX 78404
    (361) 906-2886
  • 2.81 mi
    A-Max Auto Insurance
    3500 Leopard St Ste 100, Corpus Christi, TX 78408
    (361) 887-1000
  • 2.81 mi
    Ai United Insurance
    3783 Leopard St, Corpus Christi, TX 78408
    (361) 887-7100
  • 2.84 mi
    Ruben Bonilla
    2727 Morgan Ave Ste 300, Corpus Christi, TX 78405
    (361) 881-1033
  • 3.85 mi
    A&N Insurance
    3103 S Port Ave, Corpus Christi, TX 78416
    (361) 883-3332
  • 4.83 mi
    Linda Morrison
    3550 S Alameda St, Corpus Christi, TX 78411
    (361) 854-0918
  • 4.83 mi
    Michelle Hernandez Cuellar
    3765 S Alameda St Ste 324, Corpus Christi, TX 78411
    (361) 685-7129
  • 4.83 mi
    Areti Agency of South Texas
    4036 Weber Rd, Corpus Christi, TX 78411
    (361) 814-3500
  • 4.83 mi
    Joe Steele Insurance Agency
    3819b S Staples St, Corpus Christi, TX 78411
    (361) 400-2920
  • 4.83 mi
    Michelle Cuellar
    3833 S Staples St Ste S205, Corpus Christi, TX 78411
    (361) 334-2964
  • 4.83 mi
    All American Hallmark Insurance Agency
    4510 Weber Rd Ste A, Corpus Christi, TX 78411
    (361) 993-6643
  • 4.83 mi
    Edward Gonzalez
    4137 Gollihar Rd, Corpus Christi, TX 78411
    (361) 881-8731
  • 4.83 mi
    Victor Gonzalez
    4137 Gollihar Rd, Corpus Christi, TX 78411
    (361) 884-3762
  • 4.83 mi
    Sammy Armadillo
    4439 Gollihar Rd, Corpus Christi, TX 78411
    (361) 854-8600
  • 4.83 mi
    Accord Insurance Agency
    700 Everhart Rd Ste D11, Corpus Christi, TX 78411
    (361) 854-7052
  • 4.83 mi
    Pinnacle Stone Insurance
    4659 Everhart Rd Ste 103, Corpus Christi, TX 78411
    (361) 986-1009
  • 4.83 mi
    Jay Gutierrez
    4702 Everhart Rd, Corpus Christi, TX 78411
    (361) 855-4000
  • 4.83 mi
    Texas Farm Bureau Insurance
    4825 Everhart Rd Ste 3, Corpus Christi, TX 78411
    (361) 852-6016
  • 4.83 mi
    Bjella Insurance
    4925 Everhart Rd Ste 112, Corpus Christi, TX 78411
    (361) 814-5900
  • 4.83 mi
    Donald Morrison
    4535 S Padre Island Dr Ste 37, Corpus Christi, TX 78411
    (361) 854-2383
  • 4.83 mi
    Vanessa Garcia
    4455 S Padre Island Dr Ste 19b, Corpus Christi, TX 78411
    (361) 980-1774
  • 4.83 mi
    Leticia Burns
    4949 Everhart Rd Ste 106b, Corpus Christi, TX 78411
    (361) 723-0401
  • 4.83 mi
    Eddie Martinez
    4942 Everhart Rd, Corpus Christi, TX 78411
    (361) 993-6638
  • 4.83 mi
    Crawford Insurance Services
    4444 Corona Dr Ste 139, Corpus Christi, TX 78411
    (361) 654-2788
  • 4.83 mi
    Randy Bailey
    4444 Corona Dr Ste 110, Corpus Christi, TX 78411
    (361) 853-1521
  • 4.83 mi
    McKenzie & Shell
    4444 Corona Dr Ste 103, Corpus Christi, TX 78411
    (361) 854-3046
  • 4.83 mi
    Grove & Davis Insurance Agency
    4646 Corona Dr Ste 270, Corpus Christi, TX 78411
    (361) 851-0577
  • 4.83 mi
    Jacidy Myers
    4646 Corona Dr Ste 110, Corpus Christi, TX 78411
    (361) 946-2996
  • 4.83 mi
    TWFG Insurance Services - Bobbie Gail Torres
    4639 Corona Dr Ste 63, Corpus Christi, TX 78411
    (361) 993-9400
  • 4.83 mi
    Sam Watson
    4818 Shopping Way Ste A, Corpus Christi, TX 78411
    (361) 852-6600
  • 4.83 mi
    Tim Bundick
    5346 Everhart Rd, Corpus Christi, TX 78411
    (361) 993-9350
  • 4.83 mi
    Gregorio Mendoza
    5440 Everhart Rd Ste 9, Corpus Christi, TX 78411
    (361) 992-6454
  • 4.83 mi
    Jesse Trevino
    4721 Bonner Dr Ste 101, Corpus Christi, TX 78411
    (361) 986-1000
  • 4.83 mi
    Ray Paiz
    5425 S Padre Island Dr Ste 122, Corpus Christi, TX 78411
    (361) 993-3553
  • 4.83 mi
    Tejas Auto Insurance
    4902 Holly Rd Ste 114, Corpus Christi, TX 78411
    (361) 906-2133
  • 4.83 mi
    J Chapman Financial Group
    55402 Holly Rd Ste 2104, Corpus Christi, TX 78411
    (361) 400-2973
  • 4.83 mi
    Emily Longueira
    4918 Holly Rd Ste A1, Corpus Christi, TX 78411
    (361) 855-9935
  • 4.83 mi
    Alba Insurance Agency
    5022 Holly Rd Ste 108, Corpus Christi, TX 78411
    (361) 854-6551
  • 4.83 mi
    Goosehead Insurance - David Mettey David Boatright
    5262 S Staples St Ste 300, Corpus Christi, TX 78411
    (361) 980-1310
  • 4.83 mi
    Jeffery Bernsen
    5110 Holly Rd, Corpus Christi, TX 78411
    (361) 991-1683
  • 4.83 mi
    A To Z Insurance Group
    5625 Betty Jean Dr, Corpus Christi, TX 78411
    (361) 853-7568
  • 4.83 mi
    GN Insurance & Financial Services
    5417 S Staples St Ste 101, Corpus Christi, TX 78411
    (361) 288-8181
  • 4.83 mi
    Stephanie Waterman
    5433 S Staples St Ste P3, Corpus Christi, TX 78411
    (361) 906-9400
  • 4.83 mi
    Al Armadillo
    5656 S Staples St Ste 300, Corpus Christi, TX 78411
    (361) 985-7488
  • 4.83 mi
    Godfrey Vela
    4455 Spid Dr Ste 113, Corpus Christi, TX 78411
    (361) 299-5181
  • 7.41 mi
    Jill Reed
    4411 S Alameda St Ste A, Corpus Christi, TX 78412
    (361) 452-8055
  • 7.41 mi
    Tom Hunt
    4449 S Alameda Suite 3, Corpus Christi, TX 78412
    (361) 992-9292
  • 7.41 mi
    Delma Tamez
    5622 Mcardle Rd Ste A, Corpus Christi, TX 78412
    (361) 854-2539
  • 7.41 mi
    Felix Pena
    5718 Mcardle Rd Ste 105, Corpus Christi, TX 78412
    (361) 992-7760
  • 7.41 mi
    Seaman Financial
    5830 Mcardle Rd Ste 204, Corpus Christi, TX 78412
    (361) 993-8888
  • 7.41 mi
    Deanna Stuart
    5945 Mcardle Rd Ste 119, Corpus Christi, TX 78412
    (361) 993-9721
  • 7.41 mi
    Affordable Auto & Home Insurance
    6014 S Padre Island Dr, Corpus Christi, TX 78412
    (361) 993-5456
  • 7.41 mi
    Erica Garcia
    5809 Glen Arbor Dr, Corpus Christi, TX 78412
    (361) 986-1419
  • 7.41 mi
    Kyle McGee
    6402 Holly Rd, Corpus Christi, TX 78412
    (361) 992-9440
  • 7.92 mi
    Francisco Aguilar
    5829 Weber Rd, Corpus Christi, TX 78413
    (361) 991-8242
  • 7.92 mi
    Dwayne Hargis
    5794 Weber Rd, Corpus Christi, TX 78413
    (361) 855-3883
  • 7.92 mi
    Acceptance Auto Insurance
    6061 Weber Rd, Corpus Christi, TX 78413
    (361) 853-4593
  • 7.92 mi
    James Aleman
    6262 Weber Rd Ste 112, Corpus Christi, TX 78413
    (361) 806-2133
  • 7.92 mi
    Dennis Trevino
    6410 Weber Rd Ste 11d, Corpus Christi, TX 78413
    (361) 814-0123
  • 7.92 mi
    A-Max Auto Insurance
    4001 Saratoga Blvd Ste 105, Corpus Christi, TX 78413
    (361) 854-3000
  • 7.92 mi
    Affinity Insurance Agency
    5702 S Staples St #g, Corpus Christi, TX 78413
    (361) 985-6100
  • 7.92 mi
    Joanne Carvajal
    6733 Weber Rd Ste 2, Corpus Christi, TX 78413
    (361) 334-4317
  • 7.92 mi
    Will Deaton
    5801 S Staples St Ste D, Corpus Christi, TX 78413
    (361) 992-1122
  • 7.92 mi
    Monica Montalvo
    5926 S Staples St Ste C3, Corpus Christi, TX 78413
    (361) 854-7548
  • 7.92 mi
    First Command Financial Services - Ian Arvizo
    5959 S Staples, Corpus Christi, TX 78413
    (361) 937-8772
  • 7.92 mi
    Tricia Herte
    5959 S Staples St Ste 103, Corpus Christi, TX 78413
    (361) 994-8927
  • 7.92 mi
    Diane Creson
    5959 S Staples St Ste 103, Corpus Christi, TX 78413
    (361) 877-6445
  • 7.92 mi
    Direct General Auto Insurance
    6601 Everhart Rd Ste H1, Corpus Christi, TX 78413
    (361) 814-5000
  • 7.92 mi
    Randy Ritter
    6601 Everhart Rd Ste H4, Corpus Christi, TX 78413
    (361) 851-8611
  • 7.92 mi
    Blue Eagle Insurance Group
    6601 Everhart Rd Ste D4, Corpus Christi, TX 78413
    (361) 881-4838
  • 7.92 mi
    State Farm - Drew Becquet
    6019 S Staples St, Corpus Christi, TX 78413
    (361) 854-4638
  • 7.92 mi
    Mark Silva
    5515 Saratoga Blvd Ste A, Corpus Christi, TX 78413
    (361) 992-3341
  • 7.92 mi
    Curtis Rich
    6646 S Staples St Ste 130, Corpus Christi, TX 78413
    (361) 992-1148
  • 7.92 mi
    Edward Cantu
    7122 S Staples St Ste C, Corpus Christi, TX 78413
    (361) 991-1493
  • 7.92 mi
    TWFG Insurance Services - Albert Rivera & Stephanie Rivera
    7426 S Staples St Ste 105, Corpus Christi, TX 78413
    (361) 993-8413
  • 7.92 mi
    Joshua D. Crow
    5333 Yorktown Blvd Ste E, Corpus Christi, TX 78413
    (361) 857-2688
  • 7.92 mi
    Jessica Kelly
    5337 Yorktown Blvd Ste 2b, Corpus Christi, TX 78413
    (361) 854-3225
  • 9.72 mi
    Jesse Garcia
    5933 Patton St Ste A, Corpus Christi, TX 78414
    (361) 906-1919
  • 9.72 mi
    Kimberly Harrington
    5933 Patton St Ste B, Corpus Christi, TX 78414
    (361) 906-1616
  • 9.72 mi
    Leonard Carter Insurance Group
    2133 Nodding Pines Dr Apt 919, Corpus Christi, TX 78414
    (832) 245-4364
  • 9.72 mi
    Larry Watson
    6210 Wooldridge Rd Ste B, Corpus Christi, TX 78414
    (361) 993-6787
  • 9.72 mi
    Jesse Gil
    6313 Wooldridge Rd Ste 5, Corpus Christi, TX 78414
    (361) 334-4984
  • 9.72 mi
    Melissa Gil
    6313 Wooldridge Rd Ste 5, Corpus Christi, TX 78414
    (361) 334-4932
  • 9.72 mi
    John Bickham
    2743 Airline Rd Ste 107, Corpus Christi, TX 78414
    (361) 993-8412
  • 9.72 mi
    Liz Sweney
    7102 Wooldridge Rd, Corpus Christi, TX 78414
    (361) 852-1700
  • 9.72 mi
    Jack Alspaugh
    5922 Yorktown Blvd Bldg 2, Corpus Christi, TX 78414
    (361) 232-4717
View all agents ↓

Learn More About Car Insurance in Corpus Christi, Texas

Population

326,500

Total Crashes

8,601

Persons Injured

1,569

Car Insurance in Corpus Christi is cheaper compared to other major cities in Texas. But be cautious when choosing car insurance and add enough coverage to protect you from any lawsuits for a car accident that you caused. There are more than a dozen insurance companies operating in Corpus Christi. Some are popular and have the majority share of the market. There are lesser known insurers that may have more reasonable premiums for similar coverage but you should take a holistic view of all your options. You need a convenient process, assured approval of claims and responsiveness on the part of your insurer so you don’t have to run to and fro with your applications, filing of damages and other imperative procedures.

Check this article to know what all types of coverages you need for car insurance.

Car insurance vary by age group

The age group you are in can influence the car insurance premium. You can see how much car insurance costs for different age groups in Corpus Christi city.

Car insurance cost by age group
Age groupAvg. Premium (50/100/50)
20's$1,268
30's$580
40's$530
50's$510
60's$505
70's$640

From the graph above, we can see that the insurance premium cost is very high for those in their 20's as the risk of accident is higher in that age group. Similarly for those who passed their 70's also tends to be at higher risk of collision and hence a higher premium amount.

Also you can see a slight difference in car insurance premium cost with respect to your gender as female drivers tends to pay less for their car insurance. This variation is seen more in the 20's age group.

Age is just one of the factors that effects your car insurance price. Check the article below to know what other factors are there.

The choice of insurer will also have a substantial influence on the cost. It is needless to mention that the cheapest quote is not always the best and the most expensive policy is not always the ideal option. There are some insurers that are more convenient to deal with and some are more affordable, some are lenient and easy with claims while some are more suited for families of deployed military personnel. You should have a diligent approach while choosing car insurance in Corpus Christi. Figure out how much coverage you would need based on the value of your car, driving skills, frequency of usage including the mileage and routes, your history of accidents and the extent of financial protection you want.

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 insurnace 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 a 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 reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after 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 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 right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

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 ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the 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.

https://www.thezebra.com/insurance-news/3698/car-insurance-cover-out-of-state/

References

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.