Cheap Car Insurance in Texas

Cheap Car Insurance in Texas

It is mandatory to get car insurance in Texas for drivers to drive legally in the state. Different companies in Texas provide car insurance at different rates. The average annual car insurance cost in Texas may be around $1420. Car insurance companies in Texas consider gender, age, marital status, credit history, driving record, location, etc. to calculate the cost of car insurance policy. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Texas:

 

Name of the Company Average annual car insurance premiums
Travelers $1036
Cal Casualty $1415
USAA $1466
Esurance $1484
Mercury $1496
State Farm $1579
GEICO $1590
Texas Farm Bureau $1684
Encompass $2030
Allstate $2520
Metropolitan $2877
Safeco $2906
Dairyland $3017
Liberty Mutual $3103
Unitrin $3298
21st Century $4010
Home State $4885

Cheap car insurance in Texas for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Texas with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Texas provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Texas by maintaining a good driving record. Most auto insurance companies in Texas provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $126 on car insurance premiums in Texas.
  •  Drivers may save $719 on car insurance premiums if they have an accident-free record in Texas.
  •  By maintaining a good credit history you may save $950 on car insurance premiums in Texas. 

Cheap car insurance for inexperienced drivers in Texas

Most auto insurance providers may charge high auto insurance premiums in Texas from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Texas vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Texas. 

Age Average annual auto insurance premiums 
16 $4055
17 $3438
18 $3040
19 $2686
20s $1763
30s $1388
40s $1350
50s $1225
60s $1255
70s $1515

Affordable auto insurance in Texas for high-risk drivers

Car insurance companies in Texas charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Texas can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Texas may get discounts on car insurance policies.

Average auto insurance premiums in Texas by Marital Status

In Texas, married drivers may save $42 on car insurance policy. Most car insurance companies in Texas charge higher car insurance premiums from single drivers than married drivers. 

Marital Status Average annual car insurance premiums
Single $1420
Married $1320
Divorced $1420
Widowed $1291

Average car insurance premiums in Texas by gender

Car insurance companies in Texas calculate car insurance premiums by considering gender. Some auto insurance companies in Texas may charge higher rates on car insurance policies from the women than men.

Gender Average annual car insurance premiums
Male $1420
Female $1321

Average car insurance premiums by credit score in Texas

Car insurance companies in Texas consider the credit score of the driver to decide the car insurance policy cost. Car insurance providers in Texas provide car insurance policies at cheaper rates to those drivers who have a good credit record than those who have bad credit records because drivers with good credit scores are less likely to file claims.

Credit level Average annual insurance premiums
Very poor $2776
Fair $2219
Good $1830
Very good $1514
Exceptional  $1247

Best car insurance companies in Texas

Car insurance prices in Texas may vary from company to company. Some companies in Texas charge lower car insurance premiums than others. To get the best auto insurance policy in Texas you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Texas by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Texas:

  1. 21st Century
  2. Allstate
  3. Amica
  4. Esurance
  5. GEICO
  6. Liberty Mutual
  7. Mercury
  8. MetLife
  9. Nationwide
  10. Progressive
  11. Safeco
  12. State Farm
  13. Texas Farm Bureau
  14. Travelers
  15. USAA

What auto insurance coverage is mandatory to purchase for drivers in Texas?
The average annual cost to get the minimum required coverage in Texas may be around $580.  The minimum required coverage for drivers in Texas to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $30000
Bodily injury per accident $60000
Property damage per accident $25000

 The state minimum auto insurance requirements in Texas

The state minimum auto insurance coverage requirement in Texas is liability coverage.

  1. $30000 bodily injury coverage per person is required in Texas.
  2. $60000 bodily injury coverage per accident is required in Texas.
  3. $25000 property damage coverage per accident is required in Texas.

Other types of optional coverages in Texas are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Additional Medical Coverage
  5. Personal Injury Protection (PIP)
  6. Rental Car Reimbursement
  7. Uninsured/Underinsured Motorist Bodily Injury
  8. Uninsured/Underinsured Motorist Property Damage

Fine for driving without car insurance in Texas

If anyone caught driving without a car insurance policy in Utah then police may charge a fine.

Car insurance prices by cities in Texas

Car insurance premiums in Texas may vary from city to city. In some cities of Texas, car insurance prices are high compared to others.

City Average annual insurance premiums
Dallas $1685
Houston $1676
Mesquite $1644
Garland $1610
McAllen $1585
Grand Prairie $1566
Pasadena $1550
Beaumont $1535
Brownsville $1527
Irving $1522
Amarillo $1520
Arlington $1512
Laredo $1512
San Antonio $1506
Carrollton $1486
Lubbock $1458
Fort Worth $1450
El Paso $1447
Plano $1432
Austin $1430
Corpus Christi $1420
McKinney $1407
Waco $1327
Abilene $1299
Killeen $1268

If you are looking for a car insurance deal in Texas, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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