Texas Car Insurance Calculator

Texas Car Insurance Calculator

Texas is a favorite among car drivers due to its low cost of living and wide variety of outdoor activities, yet our research uncovered that its average annual full coverage premium stands at over $1,823. This figure surpasses even that of its national counterpart at an estimated average annual premium rate of $1,714.

Texas car insurance costs vary dramatically based on age, driving record and vehicle. People in their twenties tend to get into more dangerous driving incidents than older drivers and become more expensive for insurers to insure – adding teenage drivers can increase premiums up to threefold! Furthermore, young drivers are likely to cause damage to their own vehicles more frequently so comprehensive and collision coverage are also essential considerations when insuring these young people.

Though not mandated by Texas law, these two coverages can help cover repairs if your vehicle is hit by an uninsured motorist. Uninsured motorist coverage reimburses for expenses related to injuries sustained from someone not carrying auto insurance – this coverage comes standard in all Texas car policies unless explicitly rejected in writing.

Texas state minimum car insurance requirements consist of bodily injury liability and property damage liability coverages; however, many drivers opt to add comprehensive and collision policies at additional costs. Our research revealed that USAA and Farm Bureau offered these additional coverages at reasonable costs in Texas.

Credit plays an essential part in determining the cost of car insurance premiums in Texas, since insurance providers legally factor it into your rates. Achieving good or excellent credit can usually save money on premiums; drivers with poor credit typically pay over three times as much – according to our research.

Houston is Texas’s third-largest state, so it should come as no surprise that Houston boasts some of the highest car insurance rates. Dallas, Fort Worth and San Antonio follow Houston as having some of the highest premiums; typically drivers in metropolitan areas pay more due to increased traffic density and risk.

There are various strategies you can employ to lower your Texas car insurance rates, including bundling your policies with home or renters insurance and taking a defensive driving course. Furthermore, adhering to all relevant laws and avoiding tickets or traffic violations is essential to keeping costs at a minimum and helping keep rates as low as possible. Last resort, you can file a complaint with the Texas Department of Insurance to access information and forms for filing complaints against an insurer; however, keep in mind that they only have limited authority to intervene on behalf of consumers. Prior to selecting an insurer, it’s advisable to shop around thoroughly. Our car insurance calculator can assist in quickly finding the ideal provider based on your budget and needs. Compare multiple quotes quickly using ValChoice’s free comparison tool!