Texas Car Insurance

Texas is the second most populated state in the country, meaning that there are a lot of people who need automobile insurance coverage. It is also a very large state, which can translate into a lot of driving for some people. A great deal on car insurance can help you save money, while also keeping you protected financially if an accident occurs. An important consideration for drivers in the state to think about is that Texas has a higher percentage of uninsured drivers than most other states. This means that there is a higher chance that the driver you get into an accident with will not have adequate insurance coverage. Because of this, you will want to consider getting uninsured or underinsured motorist coverage.

Auto Insurance Requirements In Texas

The entire state of Texas has rules and requirements regarding the minimum limits of car insurance required by the state. Whether you are living in Dallas, Austin, Houston, or one of the many smaller cities in the state, insurance .us can help you not only understand the requirements for auto insurance in Texas but can also help you find the best deal on insurance protection in the state.

The Lone Star State has a number of companies that provide automobile insurance, so finding the best car insurance in Texas can seem like a task. The tools on this site can help you find the top rates on car insurance in Texas, but you will need to know what the minimum requirements for automobile insurance are in the state. Mandated minimum car insurance requirements for the state of Texas include liability insurance for bodily damage and liability insurance for property damage.

For bodily injury liability insurance coverage, the minimum coverage amounts are $30,000 for each injured person individually and up to $60,000 per accident. In addition to this, you will need to carry $25,000 for property damage liability coverage. These numbers represent the absolute minimum amount of car insurance coverage you will need to drive legally in the state of Texas. It is up to you to determine whether or not you will want more coverage than this; it is likely that the car insurance minimum limits for the state are lower than you actually need.

Even though the minimum requirements for auto insurance in Texas do not require other types of coverage, due to the high percentage of uninsured drivers in the state, you may want to consider uninsured and underinsured motorist coverage. These insurance types will cover your expenses if you are in a car crash that is determined to be the other drivers' fault, but they do not have car insurance themselves to cover these expenses. You might also consider collision coverage, comprehensive coverage, roadside assistance coverage, or other types of insurance policies as well.

Remember, not having automobile insurance in the state of Texas can result in hefty fines and penalties, and your driver’s license could be suspended if you are a repeat offender. Proof of insurance is required in the state of Texas, so getting an automobile insurance plan can help you save money in this regard as well.

Average Costs Of Coverage In Texas

Like every other state, there are many variables for car insurance in Texas that have an effect on what car insurance policies in Texas will cost for you individually. Your age, living location, vehicle type, marital status, driving record, and other factors are used to determine car insurance premiums. That said, each state has an average cost for car insurance. You will want to be aware of the average amount people are paying for car insurance in your area so that you can determine if what you are paying is significantly higher, and if you do not know why, you can research why. The average cost for liability insurance in the state of Texas, per year, is around $515. For collision coverage, the average is around $360 per year, and for comprehensive insurance coverage, motorists paid around $190 on average.

Texas is not one of the more expensive states for car insurance, nor is it one of the least expensive states either. Also, keep in mind that many people pay more than the average in overall car insurance premiums due to needing to carry comprehensive and collision coverage because they are leasing a vehicle or have gotten a loan to cover the cost of their vehicle.

Cheapest Car Insurance Companies In Texas

Finding the cheapest car insurance providers in Texas starts with comparing policies between multiple companies. Some of the top companies providing the best car insurance rates and policies in the state include Allstate, Farmers, Hartford, Progressive, and National Surety Corporation. There are plenty of other great companies for auto insurance in Texas, so comparing rates between more companies will allow you to find the best deals for car insurance in Texas.

You should also consider researching and making sure that all of the discounts that you qualify for are applied. There are a few things that you can do to find lower car insurance rates, and this is one of them. Also, there may be some things affecting how much you pay for insurance premiums that you can improve upon. These include improving your credit score, improving your driving record, and getting additional antitheft and safety devices put into your vehicle.

Unique Car Insurance Rules And Penalties In Texas

Texas has a fairly long list of rules that pertain to automobile insurance. Insurance companies in the state are required to provide customers with a toll-free telephone hotline where they can ask questions and lodge complaints. In addition, insurers must provide customers with proof of insurance and cannot require you to purchase more insurance than required by law. Even though insurance agencies cannot deny you insurance solely due to your credit history, they can use your credit history in determining your premiums.

Additionally, you have a right to buy minimum liability insurance through the Texas Automobile Insurance Plan Association if you are denied insurance from other places. Companies in Texas must also provide a written explanation if you are denied a policy by them, detailing the reasons why. Lastly, an insurance company in Texas can divide counties into sections and charge different rates to different areas, but the difference between the lowest rates in each county and the highest rates in that same county cannot exceed 15% unless it is actuarially justified.

While not a rule, there is a law in Texas called TexasSure which requires auto insurance companies to report policies on a monthly basis. This information can be utilized by authorized users, law enforcement officers, county tax assessors, and specific state agency staff. The reason for this is to help curb the larger percent of uninsured drivers that the state has.

How To Get The Cheapest Car Insurance In Texas

Getting the top deals for car insurance in Texas starts with utilizing the resources here at insurance.us to compare companies, policies, and rates. Shopping around is the best way to save money on car insurance, and you can also look into the discounts that you qualify for to get better rates for auto insurance. Take the time to get free quotes from multiple companies right here at insurance.us and start saving money today.