Finding cheap car insurance in Texas requires comparison shopping in the Lone Star State, where rates vary significantly by location and carrier. Texas has one of the largest auto insurance markets in the country with many options for drivers.
Texas offers a highly competitive insurance marketplace with dozens of carriers. Understanding Texas car insurance requirements and shopping strategically helps you find affordable coverage.
Texas Car Insurance Requirements
Texas requires minimum liability coverage of 30/60/25—$30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. These limits are known as "30/60/25" coverage.
Texas is a tort state, meaning the at-fault driver is responsible for damages. Personal injury protection (PIP) must be offered by insurers, though you can reject it in writing.
What Affects Texas Car Insurance Rates
Your location within Texas significantly impacts your car insurance rates. Houston, Dallas, and other major metro areas have higher premiums due to traffic congestion and higher accident rates. Rural areas often enjoy lower rates.
Texas weather including hail storms, hurricanes along the Gulf Coast, and flooding significantly affects comprehensive coverage costs. The state's high uninsured motorist rate also impacts Texas auto insurance pricing statewide.
How to Save on Texas Auto Insurance
Comparing quotes from multiple insurers is essential for finding cheap car insurance in Texas. The large competitive market means rates can vary dramatically between carriers.
Take advantage of Texas discount opportunities including safe driver, multi-policy, good student, defensive driving course, and low mileage discounts. Consider higher deductibles for comprehensive coverage in hail-prone areas.