Texas Auto Insurance Coverage

It is the second largest and most populated in the country behind Alaska and California. Living costs and car insurance rates appear to be fairly reasonable in the Lone Star state. This is a sign drivers are not bad as long as they are not drunk. Rates are based on risks of accidents and claims. If they are low on average that means underwriters are not expecting to pay for a lot of claims due to accidents, auto theft and natural disasters.

The real problem on the roads of Texas appears to be drunk drivers. Alcohol related traffic deaths are one of the highest in the country at 40% and certainly very serious with over 1,200 mortalities. Number of Uninsured Motorists is above most states with 15% as well. When there are serious problems like those above the authorities should probably start from basics and spend some money on education. Having a drinking problem is on its own an issue. Thinking that it is all right to get behind the steering wheel in that condition is taking it to a whole new level of recklessness.

You wonder how many of those 1,200 deaths each year were actually intoxicated. There probably have been many accidents where one drunk driver caused the death of many others. There were probably many other road users mixed in the accidents and lost lives as well as the passengers. It is a tragedy for a drunk driver to lose his or her life. And it is definitely a crime to kill many innocent people because you thought nothing of going behind the wheel after consuming copious amounts of alcohol.

Texas Liability Laws and Requirements

Here are the minimum liability coverage requirements;

  • $30,000 for bodily injury or death per person.
  • $60,000 total for bodily injury or death per accident.
  • $25,000 for property damage. 

Collection of Pictures from TexasCheck the Department of Insurance website for up to date requirements and penalties for breaking the driving laws. It appears that you can get away lightly for the first time getting caught without coverage in TX. But it is severe enough if you repeat the offence. It is the same as failing the alcohol test. Clearly authorities don’t believe in heavy penalties here and expect people to do the right thing without being forced to do so. It is a different approach than most other states with heavy fines, license suspensions and vehicle impounding.

There are plenty of independent brokers and tied agents across if you need help. You can also find answers on the Internet and get quotes. It is worth mentioning again that you should arrange a policy with decent liability limits. It is also advisable to add Uninsured Drivers Coverage as well as Collision and Comprehensive to make sure you are fully protected for whatever the unexpected circumstances are when you get on the roads.

You need to find out about possible savings you can qualify for and try to find the companies that offer the highest rewards for your qualifications in order to get cheap auto insurance in Texas. Everyone can get good discounts when they shop around to find a more competitive provider. You can get instant quotes online on your own. The whole process is pretty straightforward and quick so that people don’t need to worry about getting confused or wasting too much time. Many people start looking around because they are curious and get surprised with the discounts they can get.

Automobile Insurance Costs in Texas

This is one of the more expensive states with an average premium of $895 ($841 for the US). Also, the estimated cost of full coverage is $300 higher than the US average at $1,510. These are the median figures and you may pay a little higher or lower depending on your own personal circumstances. Generally, when a study looks at estimates it takes a good, experienced and single driver as an example. You may pay more if you are a teenager, have a recent claim or traffic tickets. You may also pay less if you have a good credit score, are a homeowner and drive a safe automobile.

If policyholders choose one of the expensive carriers they can end up paying $2,000 more for auto insurance, in comparison with cheaper ones. This would mean that they would pay 4 years of premiums in one year. This goes to show how important it is to choose it well if you want to save money. It is very important to take the time, check coverage options, get a few quotes and look into providers when arranging a policy.

Cheapest Vehicle Insurers in Texas

Here are some names worth checking first during a search. These are known to offer the lowest rates and you cannot complain about the choices here since you have two of the top 5 automobile insurers in the list.

  1. Allstate, $589
  2. Foremost, $654
  3. Farmers, $668
  4. Geico, $688
  5. AAA Texas, $693

Finding the most competitive offers can take a bit of time when searching for quotes online. It should be easier now that we have named those sources for you above. This should save you some time and you should use it to search deeper by getting a few more.


Houston has the most expensive rates. Policyholders pay about 40% more than the state average here. The good news is that the above-mentioned companies can save you around 40%, in comparison to more expensive ones to put you right back in line with the rest.


The capital city average premiums are about 20% higher than the rest. Although it isn’t as bad as other big cities, there is room for savings. You can get about 40% cheaper car insurance in Austin TX if you choose one of the above most affordable sources. That goes to show how low premiums can go down.


It is one of the 5 most expensive cities. So, there are plenty of saving opportunities here. And if you were to shop around with the help of our quote platform and tips you can shave about 30% off your premium in Dallas. You may be able to get even better prices with another carrier we failed to mention. As usual get a few more quotes no matter where you live before jumping into conclusion.