Drivers in Texas are required to have liability car insurance and if they get caught without it, they will face a hefty fine. If you’ve been looking for cheap insurance quotes in Texas, we can connect you with carriers that will provide you with the best rates on your car insurance policy. Your best bet is to start by filling out our form, which will provide you with some rates that are customized to your situation. Enter your zip code and start shopping online for car insurance quotes in Texas.
Auto Insurance Requirements in Texas
All drivers in the state of Texas must have liability coverage on their vehicles, including bodily injury if someone is injured as a result of an accident you have caused. If drivers are caught driving without insurance, they can be fined up to $250 per day by the state of Texas for a total maximum fine of $25,000. If you want to read more about how your rate is calculated in Texas and how it stacks up with other states, keep on reading. Or simply enter your zip code in the box at the top of this page and start comparing free online quotes.
Cheapest Car Insurance in Texas
Drivers in Texas can look forward to some of the best car insurance rates in the country. Insurance companies based out of Texas are regulated by the state, so they have very fair rules and requirements for drivers that want to purchase policies.
Best Car Insurance Companies
The top 10 most affordable car insurance companies for Texans with excellent customer service ratings are:
- National General
- Amica Mutual
- Farmers Insurance Group
- Progressive Direct
- Travelers
- Mercury Insurance Group
- Allstate.
Compare Texas Quotes Online
The state has a competitive market for car insurance, and with all the cheap coverage available in Texas, it’s easy to find a good deal.
Average Cost of Car Insurance
The average monthly rate for auto insurance in Texas is $88, which means a yearly bill of around $1,044.
Drivers With a DUI in Texas
If you are convicted of driving under the influence, your car insurance will become more expensive. After your first offense, expect to pay an average of $4,014 more for car insurance after your conviction for between three and five years (assuming that there were no other violations on your record). If you commit a second DUI within five years of the first offense, expect to pay an average of $13,964 more for car insurance after your conviction.
Drivers With Tickets in Texas
If you get a speeding ticket or any other kind of moving violation in Texas, your rates will go up slightly when compared with drivers who have clean records. A speeding ticket can add about $68 to your annual premium, according to online quotes in Texas.
Drivers With Bad Credit in Texas
If you have poor credit and get an insurance quote, then expect it to be higher than what drivers with good or excellent credit pay for auto insurance. Drivers with FICO scores below 620 pay around 1.5 times more for insurance than drivers with scores above 780 (which is considered good credit).
Seniors in Texas
The rules for ensuring seniors in Texas are slightly different than they are for other drivers, but the good news is that premiums do not increase at certain age thresholds as many other states do. For example, if you’re a senior and you drive 15,000 miles per year for business purposes, your insurance rates will likely be lower than the premiums of someone who doesn’t drive as much.
Military Drivers in Texas
If you are an active-duty service member and your license plate has either the US Army or US Air Force insignia on it, you can get cheaper insurance rates in Texas, though this depends on the company.
Car Insurance in Texas
Texas requires all drivers to have liability coverage, uninsured motorist coverage, and personal injury protection (PIP) on their policies to cover injuries and property damage that they cause in an accident.
Conclusion
If you’re a Texas driver in need of car insurance, we hope this guide has helped you. We compiled the most important factors to consider when looking for low-cost coverage and rated each company according to their customer satisfaction based on reviews from other Texans. In addition, our team is available 24/7 if you have any questions about your specific situation or want help selecting an affordable policy with great features. Good luck!
