Texas drivers must carry at least the state minimum level of car insurance in order to drive legally, though policy selection should depend on your individual needs and budget. MoneyGeek’s Texas Car Insurance Calculator is an excellent way of getting an approximate estimate of how much car insurance may cost; using factors like age, vehicle model and driving record it provides an approximate premium estimate; but beware: rates may differ based on other considerations such as adding teenage drivers, coverage levels selected, company used etc.
Geico, State Farm, USAA and Allstate are top providers in Texas that balance affordability with reliable service to provide excellent value to their customers. Their top-rated providers are Geico, State Farm, USAA and Allstate; each offers competitive rates to drivers of all ages and credit scores and extensive coverage options, such as uninsured/underinsured motorist coverage to protect them in case an accident occurred where there wasn’t sufficient insurance coverage on either driver.
Your location and make and model of car play a large part in determining the cost of Texas auto insurance. Drivers in urban areas tend to pay higher rates due to traffic issues and more difficult road conditions; however, factors like crime rates and proximity to major highways or interstates will have an effect as well on how much car insurance costs in Texas.
Other factors affecting Texas car insurance rates include how many tickets and accidents you have on your record and the type of vehicle you drive – with certain vehicles such as luxury sports cars being more costly to insure than others. Your premiums could increase if an accident or speeding ticket occurs; however, some companies provide accident forgiveness programs which allow them to waive an increase after a certain period.
The Texas Department of Insurance provides consumer complaint information online. Using this resource, you can find out if an insurer is licensed in Texas as well as their customer satisfaction score and number of customer complaints lodged against them. Furthermore, this resource enables individuals who believe they have been wronged by an insurer to file claims with them as well. It also serves as a way for anyone injured by insurer actions to file legal claims with them directly – giving the Texas Department of Insurance resources necessary for legal recourse should necessary arise.