Car insurance rates in Texas tend to be relatively average compared to other states, with full coverage costing $5 more than the national average and minimum coverage about $57 less. Your specific rate may differ due to factors like your age, location and driving history – for instance if you have had multiple violations such as DUIs or speeding tickets your premium could likely increase more significantly than someone with an excellent driving history.
Your credit score is another key element affecting Texas car insurance costs. Drivers with excellent credit typically pay about 32% less for full coverage than those with poor credit on average; bankruptcy, foreclosure and repossession on credit reports could increase rates by up to 2.4x more compared to drivers with excellent scores for equal levels of coverage.
Your type of vehicle plays a large role in determining your Texas auto insurance costs. For instance, drivers of sedans will generally enjoy lower premiums compared to sports car owners. Furthermore, its age and condition plays a factor as newer cars generally attract lower premiums.
One key factor in your Texas car insurance costs is how much coverage you buy. State minimum liability is mandatory, but for additional financial security in case of accidents or theft, additional policies such as comprehensive and collision coverage may provide extra financial security. Although additional policies may cost more, they will provide greater financial protection in case something unexpected occurs.
Many car insurance calculators will ask for some basic details to estimate your premiums accurately. In order to do so, it’s essential that you provide information such as age, driving history and location – plus know the make/model/year of your vehicle as well as an estimate of its usage frequency.
Our free Texas car insurance calculator will present a range of options based on your personal situation and requirements. Once you’ve identified coverages that best meet those needs, compare quotes quickly from top-rated providers. By using our tool, you can locate the lowest rates available and ensure your coverage meets all Texas car insurance requirements. Once you find a perfect policy, access and present it easily through the Clearcover app; digital versions of insurance cards are accepted across Texas if pulled over and can easily be shown to law enforcement if pulled over. Get started using our free quote tool above or learn more about our award-winning car insurance company here.