Auto Insurance

Cheap Auto Insurance in Texas

Published on September 14, 2022

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Are you looking for cheap auto insurance in Texas? If you own or drive a car, you have to buy insurance for it. You’ve found the right place if you need auto insurance in Texas. Sometimes it can be difficult to find reasonably priced auto insurance. Texas drivers must show proof of insurance or another appropriate document.

When you buy the bare minimum of insurance in Texas, you only get the coverage and limits that the state mandates. People usually choose minimum coverage because it is the least expensive option due to its low limits.

Insurance proof in Texas

In the state, drivers must show proof of insurance or other paperwork. The Texas Department of Motor Vehicles says there are several times when you need to show proof of insurance:

When a police officer asks for it
When a car accident happens
When registering a car and getting its registration renewed,
When getting a driver’s license or getting it renewed,

Cheapest Minimum Liability Car Insurance in Texas

A policy that provides only the minimal amount of liability coverage required by Texas law is typically the most affordable option for Texans looking for vehicle insurance. Even though this insurance is the best deal, you should buy a higher policy limit to ensure you and your family are well protected.

Company	Annually	Monthly
Farmers	$420	$35
USAA	$424	$35
State Farm	$495	$41
GEICO	$528	$44
AAA	$563	$47

The above companies are offering cheap auto insurance in Texas. Still, your specific requirements and history should inform your choice of insurance provider.

What Happens in Texas if You Don’t Have Auto Insurance?

If a Texas driver doesn’t have insurance or a valid alternative, the following things can happen.

Fines of $175–$350 for the first time
Second offense: $350–$1,000 fine, license suspended for two years, and the state will impound your car..
If you drive without a license, you could get a fine of up to $2,000 and or 180 days in jail.

The cheap auto insurance in Texas with full coverage is:

Some drivers want to be more protected, so they choose a full coverage policy that includes both comprehensive and collision insurance and covers most accidents on and off the road in Texas. Even though this policy has higher liability limits than a minimum coverage policy, it costs more. It also pays for repairs to the policyholder’s car if it gets damaged.

Company	Annually	Monthly
Farmers	$821	$68
USAA	$885	$74
State Farm	$924	$77
GEICO	$952	$79
AAA	$1,118	$93

In Texas, how much coverage do you need?

Even though Texas only requires a minimum of 30/60/25 liability coverage, many drivers should consider buying insurance that goes above and beyond what is required. A 100/300 liability policy, which covers $100,000 for one person in an accident and $300,000 for all people in an accident, is much more likely to protect you if you cause an accident with serious injuries or damage to the other driver’s vehicle. If your car is newer or you haven’t paid for it yet, it’s also a good idea to have comprehensive collision coverage in case it gets damaged.

Cheap auto insurance in Texas:

Your home address in Texas can greatly affect how much you pay for car insurance. Wichita Falls is the cheapest city in Texas, with an average price of $1,052 per year. Houston is the most expensive, with an average price of $1,560. Both numbers show how much a policy with full coverage will cost.

The whole state of Texas has the same minimum liability limits for car insurance. Other types of coverage, like collision and comprehensive coverage, personal injury protection, and coverage for drivers who don’t have insurance, are optional.

For minimum coverage, the average cost of car insurance in Texas is $666 per year or $56 per month. Full coverage, which includes comprehensive and collision, costs an average of $1,872 per year, or $156 per month. But remember that your rate will depend on what kind of driver you are.

Why does car insurance cost so much in Texas?

Texas insurance is 4% cheaper than the national average for full coverage, but it is one of the most expensive states in the South for car insurance.

Based on research, Texas is the 21st most expensive state for a minimum coverage policy, costing an average of $672 per year. Part of the reason it costs more is that the minimum insurance requirements in Texas are higher than in many other states. Texas also has several big cities with a lot of traffic, which makes car accidents and thefts more likely.

Cheap auto insurance in Texas for young drivers:

Teenagers are more likely to have accidents than adults, making them riskier to insure. 18-year-old Texan drivers pay 221% more for minimal coverage than 30-year-olds.

Cheap auto insurance in Texas for Teenage drivers:

Geico has the best rates for minimum coverage for teens in Texas. A policy for a year costs $1,329, $807 less than the average for the state. Geico also has the best rates for full coverage, costing a teen driver $3,082 per year.