Texas Auto Insurance Quotes Online

Texas Auto Insurance Quotes Online

Looking to learn more about Texas car insurance? From premium breakdowns to Texas’ unique vehicle laws — car insurance discounts to registration fees in the Lonestar State, we’ve got you covered.
Don’t have time to read through it all? No problem. You can take a shortcut and just start getting quotes for cheap car insurance on Compare.com

Texas, The Lone Star State, has 17.4 million registered drivers but an astonishing 22 million registered cars. That’s 1.25 cars per driver (compare California, which has 0.55 cars per driver). That might mean, by owning a second vehicle, Texas drivers have an advantage. If they happen to get in a car accident, they have a spare. But this is hardly a good enough reason not to carry car insurance.

Car insurance is a requirement in the state of Texas. Before you get in the car and on the road, do your research. Check out the levels of general car insurance and the major types of car insurance. The following information will provide you with the basics of what you need to know to make an educated decision about buying affordable car insurance in Texas.


Who has the cheapest car insurance in Texas?

The big question. Keep in mind, getting the cheapest car insurance in TX may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that’s affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto policy can cost less than you think1

$617 lower than GEICO

$659 lower than Allstate

$642 lower than Nationwide

Best Car Insurance in Texas

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Texas. For the complete list, see Insurify’s best car insurance companies.


Car Insurance in Texas

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Texas to find you the cheapest quotes in each of these metropolitan areas.

Houston, the most populated city in the state of Texas, comes with its own set of rules of the road. Natives of the Bayou City often comment on the labyrinthine set of bus stops, train tracks, and twisty roads that are common in downtown Houston.


Texas Car Insurance


The second-largest state in the United States, Texas also features some of the most populated cities in the country — HoustonSan AntonioDallasAustin and Fort Worth. The Lone Star State is known for its hot weather, barbecue, popular professional sports teams and historical sites, such as the Alamo. You’ll find portions of numerous interstate highways going through the cities and farmlands taking travelers east, west or south of the border.

When it comes to auto insurance, just like its landmarks, cuisine and culture, every state is different. See what coverage and coverage limits Texas requires in the table below. These requirements are just a starting point — you may want to purchase additional coverages or increase your coverage limits.

Uninsured Motorist Coverage

There’s no telling whether the other drivers around you on the road are insured, or whether the insurance they have is adequate to cover your medical bills and property damage if they collide with your vehicle. This is why drivers are advised to add uninsured motorist coverage to their policies. It may not be required in this state, but it is well worth the money for the protection it provides.

How Much Is Car Insurance in Texas?

What is the Average Premium in Texas for Full Coverage Car Insurance?

In Texas, the average full coverage car insurance will cost you about $1373 annually, which is lower than the national average. Across the country, car insurance premiums average $1,738, which is considerably higher than Texas. Michigan and Louisiana are at the top of the list. Drivers in these states may pay more than $2,700 per year for their premiums.

How Much is it for Just the Minimum Required Car Insurance in Texas?

In Texas, the minimum car insurance premiums average $782 annually. This is approximately half of the average $1,738 cost for full coverage.

Half of the cost means you are not fully insured. Texas is an at-fault state, so don’t jump into the cheapest car insurance coverage available. At-fault drivers are responsible for reimbursing other drivers for their losses. Does it still sound like a good deal? Full coverage car insurance guarantees that you and the other driver are insured. Having the security of full coverage, which protects you should losses happen with both you and another driver, means you won’t be draining your savings to pay out-of-pocket expenses.

How do Rates Compare Across Major Cities in Texas?

Houston, Dallas, and Austin are heavily populated cities located in Texas, the second-largest state in the U.S.

Listed below is a snapshot of the average car insurance premium cost for these major locations, as well as other metropolitan areas in Texas.


Tips for Saving on Texas Auto Insurance

Some motorists can qualify for discounts based on certain criteria, including:

  1. If you are or have a young driver in the home, you know that teen drivers are more expensive to insure. Young drivers can, however, may get a discount by taking a DPS-approved driver education course.
  2. Never let your insurance lapse. Texas law states that companies can hike your premiums if you drove uninsured for more than 30 days in the previous 12 months before your application.
  3. Watch your credit score. According to the Texas Department of Insurance and the Office of Public Insurance Counsel, some companies may use your credit history as a factor when calculating your insurance premium. However, an insurance company can’t deny you coverage or cancel your policy based solely on your credit report.

Am I Required to Report an Accident in Texas to Authorities?

Absolutely yes. If you are involved in an accident, you must report it if you or someone else is injured, if someone has been killed due to the accident, or an automobile has been damaged beyond safe use. You must immediately contact the local municipal authority.

According to Texas law, a crash report must be made with the Texas Department of Transportation (TxDOT). Although police officers at the scene of an accident are required to file a Peace Officer’s Crash Report or CR-3 form, if this happens, you are not required to file your own Crash Report (CR-2), known as the Blue Form. Note that as of 2019, TxDOT no longer retains CR-2 reports for the long term. They advise you to maintain a copy of your report and request a copy of the associated CR-3 report filed by the police.

Not reporting an accident can result in the suspension of your license.

You must notify TxDot within 10 days if no one has been injured, and there is more than $1,000 worth of damages to any property or the vehicles.

Most insurance providers ask that you report any accidents that may occur; however, there are no state laws that say you must inform your insurer. Check your policy to understand what is expected of you should you be involved in an accident, and then follow through with your insurance representative. Insurers who do not receive a required report within 24-48 hours may have the ability to cancel your policy.


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