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Texas Car Insurance

Car insurance plays a very important role in protecting your vehicle and dear ones. Across the country, you must not drive an uninsured vehicle. Uninsured vehicles can harm passengers, other vehicles and you! Meanwhile, the process of choosing an auto insurance policy can be daunting. You must take into consideration many factors. These policies differ from one state to another. Before you choose an insurance policy, you must be aware of your state’s requirements and regulations. And, it would be wise to compare several policies before making a buy!

In this short write-up, you will learn about car insurance Texas. You will gather details on how to choose an insurance plan!

Car Insurance Rates in Texas

On an average, car insurance premiums in Texas can be 1300 USD per year. The final cost of your insurance policy depends on many factors. Majorly, it depends on the state’s driving records, your road skills and the car you drive. People with good driving skills and new vehicles will receive better insurance deals. The cheap car insurance plans in Texas are reserved for the best! The final quote depends on the insurance company. That is why you should compare and contrast several quotes. Meanwhile, the final quote depends on your city too. Within Texas, Dallas is known for its high insurance rates. Drivers in Texas pay as much as 2973 USD per year. This is three times the amount paid by drivers in the other cities.

There are plenty of tools to help you with insurance prices. Just enter the ZIP code of your city for the final price. With proper reasons and bargaining skills, you can save lots of money! That is why insurance buyers are advised to hunt sincerely. A little bit of prep work will help you save hundreds of dollars every month.

Texas Car Insurance Rates by ZIP Code & City
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Car Insurance Requirements in Texas

According to state laws, you should have a minimum bodily injury liability of 30,000 USD. At most, your bodily injury liability can be 60,000 USD. In Texas, your minimum uninsured motorist coverage can be 30,000 USD. And, your maximum uninsured liability coverage can be 60,000 USD. Your minimum property damage liability in Texas is 25,000 USD.

In Texas, drivers should have a minimum liability coverage of 30-60-25. Following state requirements might seem sensible and cheap. Unfortunately, the insurance policy will cover the other person’s injuries and loss. It will not take care of your car or bodily injuries. The best way to handle this situation is by finding an expensive or a better coverage. Minimum coverage will be useful in the following conditions:

  • You have a very old car
  • You are not planning to use your car frequently

At all times, it would be wiser to buy full coverage. But, full coverage will be pricey. When you switch to full coverage in Texas, you will pay 836 USD per year. This will sum up to 70 USD a month. With few other liabilities, you will spend 23 USD (extra) a month. The coverage limit in Texas with collision and comprehensive support is 1300 USD (at most).

Cheap car insurance plans cannot save you at all times. The cheapest plans can let you down on important and fuzzy moments. This is why many factors should be taken into consideration before you sign on those dotted lines. Here are few factors to help you with the pick.

MedPay or Medical Coverage

Medical coverage becomes useful when someone is injured. Indeed, it comes handy when a dear one passes away after the incident. Funeral expenses and injuries caused by insured passengers and drivers will be covered up to 25,000 USD. In Texas, medical coverage is optional. With MedPay, the following will be covered:

  • Medical expenses of passengers are handled
  • Insured walkers and bikers are covered
  • Expenditures after your health insurance limits will be covered.

If you don’t have a health insurance policy, medical coverage will not come into the picture. That is why you should include at least 5,000 USD of medical coverage in your plan. Even if you have a valid health insurance plan, it would be wise to buy medical coverage. The additional coverage will pay out when your health insurance limits are reached.

Gap Insurance

Gap insurance helps people who don’t own their vehicles outrightly. In case your vehicle meets with an accident, gap insurance will be useful. Gap insurance abridges the difference between your car’s actual value and your outstanding balance. Here are few places for gap insurance covers:

  • Your car is brand new and expensive
  • Your car is less than 10 years and the outstanding amount is huge
  • You are planning to lease your vehicle

Uninsured or underinsured motorist accidents

Try to imagine the following situation:
Your vehicle is hit by an uninsured vehicle. Who will take care of the expenses? Who will help you handle the repairs? If the other driver is not able to cover the damages fully, what will you do?

This is when the uninsured or underinsured motorist plan comes into the picture. This insurance plan will cover the difference between the cost of damages and the amount covered by your current insurance policy.

Collision and Comprehensive Coverage

A lot of novice car owners are unaware of collision and comprehensive coverage. As suggested by its name, collision coverage takes care of all damages caused to your vehicle after an accident. Comprehensive auto coverage takes care of vandalism, fire, flood, theft and animal strikes. These plans are extremely important for vehicles that are expensive and new!

On the whole, your insurance plans should be able to cover your vehicle completely. There are no benefits in buying cheap plans. The plan you pick must be able to cover your vehicle fully. All damages and losses should be borne by the best car insurance. But yes, your needs can be unique and priced differently. With more preparation and study, you will be able to pick a perfect insurance policy for your car. Luckily, you have so many companies to pick from.

Laws in the Texas

Even before you buy a cheap car insurance Texas policy, you must understand the local rules and regulations.

What happens when you drive without insurance?

Just like many other states, driving without a license is an offense in Texas. When you drive without insurance, a fine of 350 USD should be paid. And, form SR-22 must be filled.

Drug and alcohol awareness has benefits?

In Texas, drivers receive a discount of 5% when they complete a drug and alcohol awareness program. Indeed, the program is of great value in the State. Remember, all service providers evaluate the driver’s profile before deciding on a discount!

Driving without a license?

In Texas, unlicensed drivers should pay a fine if 200 USD. If you are charged for the third time, you should pay 500 USD and spend 72 hours in jail. Additionally, you should take up a “Responsibility Program” worth 100 USD.

How long is the grace period in Texas?

Texas doesn’t have a grace period. You should not drive a car without insurance. This is a legal offense.

Any age limitations?

There are no age limitations in Texas. But, you should be financially stable (or supported) to own a car. You must have liability insurance to register your brand-new car!

Is comprehensive coverage important?

Texas is known for its hailstorms. This is why you must opt for comprehensive coverage. In the long run, comprehensive coverage can help you save hundreds of dollars.

Speed Limits in Texas

Rural Interstates

Cars (MPH) Trucks (MPH)
75; 80 or 85 on specified segments 75; 80 or 85 on specified segments

Urban Interstates

Cars (MPH) Trucks (MPH)
75 75

Other Limited Access Roads

Cars (MPH) Trucks (MPH)
75 75


When it comes to auto insurance Texas, there are no exceptions. You must own at least a cheap auto insurance Texas plan, before getting behind the wheels. And, a fully Coverage in Texas will help you with ample financial support.

Car insurance for cities in Texas

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