Texas Car Insurance Calculator

Texas Car Insurance Calculator

Texas auto insurance rates average approximately $1,823 annually for full coverage; however, rates can differ based on age, location, driving history and gender. By understanding which factors influence your personal quote and learning how they impact it can help identify ways of saving money.

Car repair costs and the number of uninsured drivers have steadily increased over the years, driving up car insurance premiums. According to a study by the National Association of Insurance Commissioners, uninsured drivers contribute 8% more in Texas; these costs are ultimately passed on through higher premiums for all insured drivers.

Drivers can reduce the cost of auto insurance by maintaining a clean driving record and avoiding tickets or accidents, qualifying for discounts that can significantly lower their car insurance rate in Texas.

Your type of car also plays a significant role in how much Texas auto insurance you pay. Luxury, high-performance or sports cars typically incur higher premiums compared to sedans or SUVs; however, some companies provide special protection for such vehicles above and beyond standard policies.

Your credit is an integral factor in the cost of car insurance rates in Texas. Insurance providers use your credit score as an indicator of how likely it is that you will file a claim, with those with poor scores often paying more. By regularly monitoring and paying down debt, improving your score can save on Texas car insurance policies.

Save on car insurance by choosing a policy with appropriate types of coverage. A basic full coverage policy should include liability, collision and comprehensive protection along with a $500 deductible; additionally you might wish to consider adding medical payments and personal injury protection (PIP) coverage as this can cover the costs associated with medical bills and lost wages following an accident.

Consider also roadside assistance and rental reimbursement coverages for additional peace of mind on the road. While these features may cost extra, they could give you peace of mind on your travels.

Compare quotes from several providers before settling on one provider for car insurance coverage. Our analysis showed that State Farm, Geico and USAA offered the lowest rates in Texas for both full coverage and minimum coverage policies – though which company you ultimately choose will depend on your driving history and credit score.