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On average, Texas drivers pay approximately $1,506 a year (or $125 a month) for their car insurance. This is higher than the national average cost of $1,311 per year. Shopping around for the best price has the potential to save you hundreds of dollars a year.
As a vehicle owner in Texas, finding a competitively priced policy is easy when you work with a local independent insurance agent. These agents can obtain customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at an affordable price.
Car insurance in Texas includes a mixture of mandatory and optional coverage. If you are involved in a collision, here are a few of the ways that your Texas auto insurance may be able to help:
You can also choose to include other coverage with your car insurance policy including such options as roadside assistance and towing and rental car reimbursement. Talk to your local insurance agent to learn more.
The driver who caused the accident is responsible for covering the cost of damage as well as any necessary medical treatments.
Even though it is mandatory to have car insurance in Texas, an estimated 14.1% of drivers in this state are operating uninsured vehicles. This can cause headaches for you if one of these uninsured drivers is responsible for a collision with your car.
The at-fault driver is responsible for covering your damage and any needed medical treatments; however, if the uninsured driver simply doesn’t have the money available, you may need to go through expensive and time-consuming lawsuits just to collect a fraction of what is due to you.
That is why uninsured motorist coverage can prove so beneficial. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or under-insured. Your insurance company will then take on the responsibility of trying to collect the money owed from the at-fault driver.
In Texas, all car insurance companies must offer uninsured/underinsured motorist coverage. If you do not want it, you must state so in writing.
Yes! There are currently 1,791 independent insurance agents located throughout the state of Texas. These agents are ready to help you find the best car insurance policy to meet your coverage and budgetary needs. Find an agent near you to get started.
The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.
National average time spent commuting 25.4 Min
National average car thefts per 1,000 2.29 Year
National average car insurance cost $1,311 Year
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