Cheap Texas Auto Insurance for 2023

It is important to have Texas auto insurance that meets the state’s requirements but is also affordable. Understanding auto insurance and what rate is the best can be daunting, but we have gathered the basics of what you need to know about finding the best Texas auto insurance. Let’s take a look at how Texas auto insurance works and what you can expect to pay for Texas auto insurance coverage.

Before you buy Texas auto insurance, make sure you have taken the time to shop around. Enter your ZIP code above for free Texas auto insurance quotes.

Texas Auto Insurance Requirements And Laws

In Texas, the state liability coverage minimums are:

• Bodily Injury $30,000 per person
• Bodily Injury $60,000 per accident
• Property Damage $25,000 per accident

Take a look at how Texas’ minimum rates compare with surrounding states.

Optional coverage choices in TX include:

• Uninsured/Underinsured Motorist Coverage
• Collision Coverage
• Comprehensive Coverage
• Roadside Assistance / Towing and Labor Coverage

On January 1, 2011, the State of Texas joined the vast majority of state governments in requiring citizens to provide proof of their ability to cover minimum liability limits while on the road. This is primarily done through the purchasing of an auto insurance policy that covers the driver, passengers, and car.

In Texas, there are three major types of auto insurance coverage where minimums must be obtained. The first is liability insurance coverage of $30,000 for bodily injury to one person, per accident. The second is a total liability insurance coverage of $60,000 for bodily injury per accident, and the third is property damage insurance for $25,000. This is commonly referred to as “30/60/25”, which you may have heard an auto insurance agent or other insurance professional refer to.

Although the 30/60/25 amounts may seem adequate, they really are basic insurance amounts and should be exceeded whenever you can afford them. For example, if someone causes an accident at freeway speeds, it’s almost a certainty that the $30,000 and $60,000 bodily injury amounts will be exceeded in medical bills alone. It’s also very easy to exceed the $25,000 property damage amount with today’s high-cost automobiles such as luxury cars and SUVs. Purchase the best coverage you can afford to ensure you aren’t burned later on.

Proof of coverage laws are now strictly enforced by police and other officials. The new “TexasSure” system implemented by the state allows police, vehicle inspectors, and tax officials to verify whether or not a vehicle is insured almost instantly through an online system.

While the original purpose of TexasSure was to combat insurance fraud and eliminate fake insurance cards, it has allowed police to quickly crackdown on motorists driving without insurance. If you get caught by state or local police without valid insurance coverage, you can expect a fine ranging from two to three hundred dollars. Penalties increase with subsequent convictions, so it’s best to ensure you have valid insurance.

Texas auto insurance rates are, on average, approximately the same as the national average.

We can also take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

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Texas Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies in the state.

But which companies are the largest, holding the most market share percentage in the region?

Texas Car And Driving Statistics

Theft is another component of insurance – and the news isn’t great for Texans when it comes to auto theft. According to 2008 statistics (the most recent year available), Texas ranks second in the total number of vehicles stolen across the country, and third in the total number of motorcycle thefts.

On the plus side, the 2008 total of 85,411 vehicles stolen was a drop of more than ten percent from 2007, reflecting the strong effort that Texas law enforcement has put towards stamping out auto theft. This total works out to an auto theft rate of about 350 vehicles stolen per 100,000 Texans.

Laredo, TX was the only city to crack the “top ten” list of highest auto theft rate metropolitan areas, with a theft rate of 827 vehicles stolen per 100,000 citizens. The above-average theft rates in Texas send a warning sign to drivers who are purchasing insurance; it’s important to make sure that any insurance policy purchased covers auto theft to the full amount of your vehicle and minimizes any rate increases should a theft occur. Drivers will also benefit from anti-theft recovery systems on their vehicles. 

The news is much better in regards to accident risk while driving Texan roads and highways. The state experienced a decrease of eleven percent in regards to automobile fatalities in 2009, dropping to just over 3,000 fatalities recorded.

This was an about-face from 2008 when almost 3,500 fatalities were recorded, and the fatality rate for auto accidents was rising. Statewide, there were a total of 399,000 automobile crashes recorded in 2009, down from 410,000 in 2008. State officials cited stronger enforcement of violations such as driving while intoxicated, cell phone and texting while driving laws, and more care taken by Texas motorists as the reason for the large drop in crashes.

Auto Insurance Info By City/Town In Texas

Texas Auto Insurance Agents

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Additional Texas Automobile Insurance Resources

• Texas Department Of Insurance – Official website of the Texas Dept of Insurance.  Resources for agents and consumers.
• Texas Department Of Insurance (Auto Insurance) – Auto insurance information and resources from the Texas dept of Insurance.
• Texas Department Of Motor Vehicles – Official Texas DMV website – “Helping Texans go. Helping Texans grow.”
• Texas Highway Safety Laws – Read about the key highway safety laws in Texas.

Cheap Auto Insurance In Texas

Having proper auto insurance really is a no-brainer, and yet many Texans choose to take to the road without having an adequate policy to cover themselves should they end up in an accident. If you’re in the market for insurance, spend the time to do some research and find out which policies and coverage suit your needs and budget. You never want to use insurance, but if you have to, it’s good to have the best Texas auto insurance coverage you can.

To get affordable Texas auto insurance, compare insurance quotes from different insurance companies.  By entering your ZIP code below, you can get the best Texas auto insurance rates from top companies to compare.

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