Cheap Texas Auto Insurance

The real problem in Texas with motorists appears to be drunk drivers. Drunk driving related traffic deaths in this state are one of the largest in the country at 40% and certainly the largest with over 1,200 drunk driving related traffic deaths. Number of Uninsured Drivers is above most states with 15% as well. When there is as serious problem as drunk driving related deaths authorities should probably start from basics and look at driving education. Having a drinking problem is on its own an issue. Thinking that it is alright to drive after you are drunk is taking it to a whole new level of recklessness.

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

Living costs and car insurance rates appear to be fairly reasonable in TX. This is a sign that rest of the 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 insurers are not expecting to pay for a lot of claims due to accidents, auto theft and natural disasters.

Texas Liability Laws and Requirements

Here are the minimum liability coverage requirements in the Lone Star state;

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

Cheap Texas Auto InsuranceCheck 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. Perhaps you should try to solve the problem with your driving rather than worrying about what would happen if you get caught.

There are plenty Independent Car Insurance Brokers and tied Agents across if you need help with your policy. You can also find answers on the Internet and get quotes. It is always a good idea to buy Uninsured Drivers Coverage as well as Collision and Comprehensive Coverage to make sure you are fully covered for whatever the unexpected circumstances are when you are behind the steering wheel.

All the tips on finding the best deals, discounts and savings on this websites can be used to get cheap auto insurance in Texas. You need to find out about possible savings you can qualify and try to find the companies that offer the highest discounts for your qualifications. Everyone can get good savings when they shop around to find a more competitive provider. You can get instant quotes online on your own. Many people start looking around because they are curious and get surprised with the discounts they can get.

How Much Does Car Insurance Cost in Texas? 

This is one of the more expensive states with average premium of $895 ($841 for the US). Also, estimated cost of full coverage is $300 higher than the US average at $1,510. These are the averages 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, homeowner and drive a safe automobile.

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

Cheapest Vehicle Insurance Companies in Texas

Here are some companies you can start getting quotes from. These are known to offer the lowest rates and you cannot complain about the choices here since you have two of the top 5 car insurers in the list.

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

People are looking for the most competitive insurers when they are searching for quotes online and we have given those names for you. This should save you some time and you should use it to search deeper by getting some more quotes.


Houston is the most expensive city to insure cars. Policyholders pay about 40% more than the state average here. The good news is that the above mentioned companies can save you around 40% on average, in comparison to more expensive insurers to put you right back in the state average.


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


Dallas is one of the 5 most expensive cities to insure car in Texas. So, there are plenty saving opportunities here. And if you were to choose one of the above mentioned insurers you can shave about 30% off your premium in Dallas TX. You may be able to save even more with another insurer we failed to mention. As usual get a few more quotes no matter where you live before jumping into conclusion.

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