The Texas Car Insurance Calculator is an interactive tool that takes into account factors like location, age, gender, driving history and credit score in order to provide a rough estimate of how much auto insurance might cost in Texas. Furthermore, this calculator will show how much collision and comprehensive coverage might cost (if applicable).
Texas mandates all drivers purchase liability insurance to cover damages to people or vehicles they cause. For an optimal driving experience, drivers are also recommended to purchase more coverage than is mandatory, in order to avoid having to cover out-of-pocket costs out of their own pockets. It’s wise to compare quotes before selecting an insurer as different providers offer different levels of protection beyond state requirements.
Texas drivers with clean driving records can expect to pay less than the national average for full coverage – around $2,019 annually – when purchasing full coverage policies. Drivers who have committed moving violations in the past will often see higher premium increases; speeding tickets are one of the most frequently reported offenses that result in this increased premium rate of around 10%.
Location plays an enormous role in your car insurance rates in Texas, with urban areas like Houston, Dallas-Fort Worth and San Antonio paying higher premiums due to higher traffic volumes and accident risks in these major metropolitan centers.
Texas car insurance rates average approximately $1,842, but may differ significantly by city – Houston is generally more costly than Dallas-Fort Worth or Austin while El Paso boasts rates which fall just under the state average.
Your life events can also have a direct effect on your Texas car insurance rates, with marital status changes, home purchases and having children likely having an effect. Therefore it’s crucial that you update your insurer about any changes that affect you as soon as they occur if you want to save money on coverage costs.
State Farm was recently recognized with the best overall customer satisfaction score in Texas by J.D. Power’s 2017 U.S. Auto Insurance Satisfaction Study, offering numerous ways for consumers to save – including an outstanding 12% premium discount exclusively available online shoppers. Liberty Mutual ranks lower than state average in J.D. Power’s latest study, yet still provides comprehensive coverage options and affordable premiums to meet drivers of all backgrounds. At USAA, you can obtain full coverage for under $493 a month when choosing high liability limits. Furthermore, they offer reduced rates for lower risk drivers; rates start as little as $100/month for full coverage! Increased liability limits can help significantly decrease premiums, so adding extra coverage may be worth your while when driving an older car in Texas. Most companies provide affordable options that can fit any budget.