Texas Car Insurance
Texas is one of the states that has a high percentage of uninsured drivers, compared to the national average. This means there is a much higher likelihood that if you are in a car crash, the other driver will not have an insurance policy to help cover costs.
As a driver, this means that it is more critical for you to carry a policy to help protect you financially in case a car crash occurs, regardless of whether or not you are found to be at – fault for the crash. With many low-cost car insurance options available, you will need the details found here to help select the best policy for your specific situation. Like all states, Texas has minimum requirements for car insurance in order to drive legally.
Not only do these requirements need to be met, but you may want to consider additional car insurance coverage so that you can rest well knowing you have enough protection to protect yourself and your family financially. The best place to start when researching car insurance policies is to know what the car insurance requirements in Texas are.
Auto Insurance Requirements In Texas
To drive legally in Texas, drivers are required to carry two different insurance types. These include bodily injury liability coverage and property damage coverage. Both of these types of liability insurance plans pay for the costs that other people incur as a result of an automobile accident that you are deemed to be at fault in. The minimum requirements in the state of Texas are $30,000 for bodily injury liability coverage per person and $60,000 bodily injury liability coverage per accident. In addition, Texas requires drivers to carry $25,000 for property damage liability coverage per accident.
There are additional optional coverages that are available, including collision coverage, comprehensive coverage, customized parts and equipment coverage, medical payments coverage, and personal injury protection. You may also want to consider uninsured motorist coverage and underinsured motorist coverage.
Underinsured motorist coverage, as well as uninsured motorist coverage, help pay for costs of an accident that is someone else’s fault if they do not have a car insurance plan or their car insurance plan is not sufficient enough to cover your expenses. Collision coverage can also be a smart choice for drivers in Texas, as it covers the costs of damage from a collision regardless of who is found to be at fault in the accident.
Average Cost Of Coverage In Texas
The average costs for car insurance coverage in Texas can vary from one year to the next, and Texas usually comes in slightly above the national average at just under $950 per year on average. The rates that people pay for their automobile insurance policy can vary depending on a person’s driving record, the types of policy they purchase, their history of making claims with auto insurance companies, as well as the cities and neighborhoods a person lives in.
Cheapest Car Insurance Companies In Texas
There are also differences in how companies weigh the variables that they are using to determine car insurance rates. To find the cheapest car insurance in Texas, you will want to get multiple quotes from multiple companies. Some of the best companies to look at include Texas Farm Bureau, Geico, Progressive, and State Farm. These companies are known to have lower average rates than many of the others.
Cheapest Car Insurance In Texas By City
Where you live in the state of Texas can also have an impact on your policies cost. Some of the least expensive places to get car insurance on your automobile included North Richland Hills, Round Rock, and Austin. These cities in Texas tend to have lower rates on average than many other places in the state.
Most Expensive Car Insurance In Texas By City
On the higher end of costs for insurance in Texas are Dallas, Eagle Pass, Garland, and Houston. Due to many variables, the insurance policies for cars in these areas cost more money on average. Remember that this can still vary depending on the neighborhood within the city.
Laws, Rules And Penalties In Texas
Texas has strict fines and fees, as well as other consequences, for people who do not drive with automobile insurance. This can include tickets, other fines, the suspension of a person’s driving license, and more.
How To Save Money On Car Insurance In Texas
Finding the best cheap car insurance policy in Texas to fit your needs starts with having the right tools and knowing what to look for. Make sure to compare auto insurance policies from multiple companies to find the best rates. Also, people looking for drivers insurance plans in the state of Texas should ask about all of the possible discounts that they can qualify for. Some people use insurance rates to help them decide which apartment or home to purchase or rent. Of course, one of the best ways to get the top auto insurance rates is to maintain a good driving record.