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Car Insurance Quotes in Texas: Get the Facts and Find Affordable Coverage Near You

When it comes to car insurance in Texas, being well-informed is crucial. Whether you’re a Texan resident or a visitor, having the right car insurance coverage is not just a legal requirement but also a vital aspect of financial protection. Global Guard Insurance is here to provide you with valuable insights and help you discover affordable car insurance options near you. Get your Texas Auto Insurance now!

Quick Facts About Car Insurance in Texas

Texas-sized Fleet

With over 27 million registered vehicles, Texas boasts one of the largest numbers of automobiles in the United States.

frequent traffic incidents

Texas experiences a high rate of traffic accidents, with thousands occurring every day, emphasizing the need for comprehensive car insurance.

Urban Accident Hotspots

A significant proportion of all accidents in Texas take place in urban areas, highlighting the importance of being adequately insured in city environments.

Highway Concerns

Several highways in Texas are known for their accident rates, making reliable auto insurance coverage a necessity.

How Much Is Car Insurance in Texas?

Understanding the cost of car insurance is essential for budget planning. In Texas, the average cost of the state-required minimum liability car insurance is approximately $502 per year. However, if you opt for full coverage auto insurance, which provides broader protection, the average cost rises to around $1,674 per year.

It’s important to note that these are average costs, and your specific car insurance premium can vary based on factors such as your driving record, age, and zip code. Your insurance premium is customized to suit your individual circumstances.

Affordable Full Coverage Car Insurance in Texas

Full coverage car insurance, while not mandated by state law, is often preferred by drivers who seek comprehensive protection. On average, full coverage in Texas costs approximately $139 per month. This type of insurance extends beyond liability coverage to include collision and comprehensive coverage, which help pay for your own losses in an accident

Minimum Required Liability Insurance in Texas

If you’re looking for the most affordable car insurance option, consider the minimum required liability insurance, which costs around $42 per month on average. This basic coverage includes bodily injury/and property damage liability insurance, protecting you from claims filed by other people if you are at fault in an accident.

While minimum coverage may be enticing due to its affordability, it’s essential to remember that it could leave you financially exposed in major accidents. In such cases, you would be responsible for damages exceeding your policy limits, potentially leading to significant out-of-pocket expenses.

Additional Car Insurance Coverage Options

Auto Insurance Quote Texas

Considering the rising costs of vehicle repairs and medical bills, it’s wise to explore additional car insurance coverage options beyond liability insurance:

Exploring Auto Insurance Discount Opportunities in Texas

Texas offers various discounts for responsible drivers, helping you lower your car insurance costs. Some of these discounts include: 

Exploring these discounts and discussing them with an insurance agent can help you secure a cost-effective car insurance policy that suits your budget

Texas Car Insurance Laws

Understanding Texas’s car insurance laws is crucial to ensure compliance and avoid potential consequences. Some key aspects of car insurance laws in Texas include:

Mandatory Liability Insurance: Texas law requires a minimum level of liability insurance coverage for all drivers. You must carry at least:

  • $30,000 in bodily injury/death coverage per person
  • $60,000 of bodily injury/death coverage per accident
  • $25,000 of property damage per accident

These are the minimum coverage levels mandated by the state, but you can opt for additional coverage to provide greater financial protection.

Penalties for Driving Without Insurance: Driving without insurance in Texas is taken seriously. Consequences may include fines, license suspension, and even impoundment of your vehicle. Texas law requires insurers to report all new policies, lapses, and cancellations electronically in real-time.

  • Reporting Accidents

    In Texas, you are required to report accidents to the police under specific circumstances. Accidents involving bodily injuries property damage must be reported immediately. Accidents with minor property damage do not require police reporting but should be reported to your insurance company.

  • Factors Affecting Premiums

    Insurance companies in Texas use various factors to set premiums, including marital status, age, gender, credit history, and driving record. Maintaining a clean driving record can help lower your insurance premiums.

  • DUI Convictions

    Having a DUI conviction on your record in Texas does not necessarily disqualify you from obtaining car insurance. However, individuals with DUIs should expect higher premiums. Shopping around and discussing your options with an insurance agent can help you find affordable coverage.

Get Affordable Car Insurance in Texas Today!

Texas is known for its diverse landscapes and extensive road networks, making proper car insurance essential for safe and responsible driving. Freeway Insurance is here to assist you in finding the right coverage that fits your needs and budget.

Ready to get started? You can obtain a free car insurance quote online today, locate an agent at a Texas office near you, or call us at (800) 750-9115 for a quote. Contact us right away!