The Texas Car Insurance Calculator is designed to help you compare rates from multiple insurers. Finding the right policy can make a substantial difference in how much you pay each month, and may even qualify for discounts that can save you money.
The cost of car insurance varies by state and is dependent on factors like your age, gender, driving record and credit score. To find out the average cost of car insurance in your area, enter your zip code to view unique rates from top companies.
Drivers in Texas are required to carry a minimum level of liability coverage, which covers bodily injury liability and property damage liability. You can purchase additional liability protection for higher limits and more features at an increased monthly premium, but keep in mind that it will increase your monthly premium.
Your credit history is one of the most influential factors a company takes into account when calculating your rate. If your score falls below 600, then you’ll pay more than someone with good credit. To improve your rating and reduce insurance costs, make timely payments, manage credit card debt responsibly, keep your limit high, and dispute any errors with your insurer.
Insurance companies take into account not only your credit rating but also how likely you are to file a claim and any past accidents or violations on your record. A DUI or SR-22 conviction in the past will significantly raise your rates.
Young drivers typically end up paying more than older motorists due to being seen as less responsible and having more traffic violations on their record compared to more experienced motorists.
However, young drivers with a clean driving record can expect to pay similar rates as other teens in your state. Furthermore, you may qualify for the Safe Driver Discount that most insurers provide.
Teens living on their own often save money by shopping around and using a telematics system to monitor their driving habits, which helps them avoid speeding tickets or other traffic violations that could increase their insurance rate.
Texasans who receive a single speeding ticket can expect their rates to go up around 10%. If you have multiple speeding tickets or other traffic violations, your rates could potentially go up even more.
Additionally, you should review your policy’s deductible. A higher deductible means paying more out-of-pocket in case of an accident; however, this could save you money in the long run if it turns out that your negligence caused a collision.
Your driver’s education can significantly impact your insurance rates. Insurance providers usually give discounts for students who complete certain courses and maintain a clean driving record, plus you can save even more by purchasing collision and comprehensive coverage at once.