Texas may be a huge state, but we’ll help you navigate your way to affordable car insurance that checks all your boxes. Whether you’re looking for minimum insurance or more coverage options to give you peace of mind, we’ve got you covered.
Keep reading for the low down on all things Texas auto insurance, so you can get behind the wheel in full confidence.
Let’s get started.
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If you’re looking for the cheapest auto insurance in Texas, you’ll find it by choosing minimum car insurance. This means that you have the bare minimum amount of insurance required by the state to drive.
This bare minimum varies by state, but pretty much always includes at least liability. In Texas, there are three components:
This structure is called 30/60/25 and it means that you’re responsible for injuries and damage you cause in an accident.
Of course, this is Texas so bigger is better, and car insurance is no exception. It’s strongly recommended to have more coverage than just the minimum requirements, because it better protects you, your passengers, and other drivers on the road.
We’ll show you your options next.
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You might like your cowboy hat to be as big as possible, but you probably don’t feel the same about your car insurance costs. No one enjoys spending their hard-earned money on car insurance, so let’s get an idea of how much it costs.
The bad news: it’ll run you a tad bit more annually than a good quality ten-gallon hat. The average cost of full coverage car insurance is $2,938 per year, while minimum coverage clocks in at $774 per year.
These numbers can vary significantly of course, based on a range of factors. Everything from your driving history to your age to your vehicle make and model can affect your car insurance premiums.
But that doesn’t mean you’re stuck paying high rates. Next, we’ll show you how to rope in the lowest car insurance rates in Texas.
“I don’t pay enough for car insurance,” said no one ever. Car insurance can be a big expense, but we have tips to help you shave off some of those costs to put more money back in your pocket.
Some of the top ways to get low-cost car insurance in Texas include:
You can also shave some money off your rates by paying in advance, choosing a safer model of car, and installing anti-theft devices. Saving money on your car insurance can take a little work, but it’s worth it to see your hard-earned money safely back in your pocket.
Getting car insurance can feel overwhelming. But it’s simpler than you might think. The first step is to get quotes and review them before making your decision.
Getting quotes is the easy part. There are plenty of insurance providers out there for the choosing. Be wary of any offers that seem too good to be true—they probably are. If in doubt, reach out to an insurance agent to help weed through the noise and find the best policy for you.
You can start by getting access to free quotes fast here.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
The temps might soar in Texas, but your car insurance rates don’t have to. Whether you’re looking into car insurance for a brand new set of wheels, looking to switch providers, or you are moving to the Lone Star State, one thing is for sure: affordable car insurance is within reach.
Now that you have a better understanding of the coverage you need and what you can expect to pay, it’s time to pony up and find the right policy for you. Get access to car insurance quotes here and you’ll be covered before you know it.
Let’s hit the road.
