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How Much Is Car Insurance in Texas? (2024 Update)

a white car parking beside a curb on the road

Cars are expensive to maintain, and on top of that, you have to maintain insurance coverage. In Texas, car insurance tends to be higher than the national average, but a lot of factors impact the final cost. Whether you opt for minimum coverage or full coverage will also greatly affect your price. Let’s check out how much car insurance costs in Texas lately.

car and road divider Importance of Car Insurance

Like all states, Texas requires you to carry valid car insurance if you drive. The most important reason to get car insurance is to protect yourself in case of an accident. In those unfortunate cases, your insurance will typically cover damage to your car or other cars, depending on if you’re found to be at fault.

Because Texas is an at-fault state, getting proper coverage is essential. If you’re at fault for an accident, your insurance will help cover the costs, so you don’t have to pay a ton out of pocket. Just as important is that your insurance will cover damages to your car, so you don’t have to go without transportation.

white suv car with texas plate
Image By: ArtisticOperations, Pixabay

How Much Does Car Insurance Cost in Texas?

Minimum coverage in Texas is typically about $150 cheaper than the national average, while full coverage is more expensive than the national average by a whopping $400. However, the exact prices depend on a lot of factors that we’ll cover in a bit.

The most important factor that determines the cost is if you go with minimum or full coverage. Minimum coverage is the minimum amount of coverage you’re required to purchase by law, while full coverage includes more flexibility with car repairs, accidents, and more.

Minimum Coverage Costs by Company in Texas:

Allstate $557
Geico $391
Metlife $662
USAA $395
State Farm $518


sedan car with texas plate
Image Credit: ArtisticOperations, Pixabay

Full Coverage Costs by Company in Texas:

Allstate $1,705
Geico $1,339
Metlife $2,375
USAA $1,411
State Farm $1,344

Keep in mind that these figures are estimates only and will vary depending on a host of factors that we’re about to cover in further detail.

Factors That Affect Car Insurance Prices

A lot of things can affect the price of car insurance, for good or worse. They range from gender, age, city, neighborhood, make and model of car, and more. Let’s dive into what these each mean for your car insurance quotes.

black BMW car in the driveway
Image Credit: Piqsels

Car Insurance Variables:
  • Age: Teenage drivers pay the most because they’re statistically more likely to engage in risky driving, while rates for 50-year-olds tend to be the lowest of any age group.
  • Driving History: Accidents and tickets will raise your rates because you’re riskier to cover, while consistently maintaining a clean record will lower your rates.
  • Credit Score: Often overlooked, stats show that drivers with good credit will pay lower premiums and also when they file a claim than drivers with poor or no credit.
  • Experience: The more driving experience under your belt, the better. New drivers, regardless of age, are riskier to cover because they have less experience driving.
  • Gender: On average, men pay more than women in premiums because they’re statistically more likely to engage in risky behavior and have accidents.
  • Location: Rural areas pay less in coverage because they’re less dense, while urban cities are more prone to accidents. Wealthier neighborhoods are also known to pay less for insurance than high-crime areas.
  • Annual Mileage: This one is pretty simple. If you drive a lot, you’re more likely to have an accident.
  • Insurance History: If you have a history of paying premiums on time and making few to no claims, you’ll get better rates from insurance companies.
  • Type of Car: High-powered sports cars are riskier to cover, so they cost more to insure. By contrast, an ‘87 Civic will be cheap to insure.

A final note is that if you get a quote online and enter your email address, consider waiting a few days to a week. The company will often email you with a discounted rate to entice you into signing up with them.

car and road divider

How Much Coverage Do I Need in Texas?

Every state has their own insurance requirements, and Texas is no different. Texas requires $30,000 in bodily injury coverage per person, $60,000 in bodily injury per accident coverage, and $25,000 in property liability coverage.

While minimum coverage is enough to cover small incidents, buying full coverage is better to protect yourself from injury, property damage, and unexpected bills. Many people can’t afford more than minimum coverage, though, which is totally understandable.

Texas doesn’t require drivers to purchase collision coverage, but it’s recommended because it will cover damage to your car in case of a collision.

Comprehensive coverage is the best of all, albeit expensive. It covers all of the above as well as damage from unexpected events like hail, theft, vandalism, fire damage, water damage, and more.

car and road divider Conclusion

Minimum coverage is cheaper in Texas than the national average, while full coverage is significantly more expensive. To get the best possible rates, it’s crucial to shop around at the top insurance companies in the state and compare quotes.

Featured Image Credit: ArtisticOperations, Pixabay


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