Cheap Car Insurance – Whether you’re stuck in bumper-to-bumper traffic in Austin, trying to merge into Houston, or trying to make it across the Dallas/Fort Worth area, Texans rely heavily on private cars for transportation. With cars comes the responsibility of carrying car insurance, as drivers are legally required to have minimum liability coverage. Every driver in Texas wants to be protected but doesn’t want to pay extra for their coverage. Here are the 10 best cities in Texas with the cheapest car insurance options based on our state’s most populous cities:
*Method by Help Insurance: Based on the most popular zip code in each county for each city, female driver, married, age 25-64, average credit score, drive one car, drive more than 18,000 miles per year, have had an accident or received a speeding ticket in the last 3 years.
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As you can see, drivers in Lubbock, TX have it the best because their premiums are low across the board. Conversely, drivers in Houston, TX and Corpus Christi, TX can expect to pay slightly more than most metro areas in the Lone Star State. No matter where you live, drivers need coverage and can take advantage of many ways to save on their car insurance premiums.
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As we can see, Texas residents of Lubbock, Austin, El Paso, Laredo and Fort Worth enjoy some of the cheapest car insurance rates in the state, but which carriers offer the best rates in those cities? Whether you want to stay legal or get full coverage for your vehicle, take a closer look at the best insurance brands available for motorists:
Drivers may be surprised to learn that there are many ways to save on their car insurance policies. From driving safely to becoming a student, bundling and more are available ways for drivers to save even more on their coverage. Not all discounts will work for your needs, but the good news is that there are many ways to qualify for car insurance discounts, and by talking to your agent, you’re almost guaranteed to find ways to save. Let’s take a look at some of the most popular savings opportunities available to drivers in Texas:
Different car insurance brands offer different discounts. You will notice that different discounts apply to different areas of life. Either way, the team at TGS Insurance is ready to help you find the right discount for your car insurance, starting with a free quote today!
You have car insurance to protect drivers from the many dangers on the road today. It can keep you out of legal trouble, protect you from liability and recover damages after an accident, but it doesn’t mean you have to pay extra for better coverage. At TGS Insurance, we believe in helping our customers find the best coverage for their needs at the lowest cost.
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Texas drivers save an average of $1,237 per year when switching to TGS insurance. By comparison shopping your auto insurance policy among our 35+ top-rated insurance providers, we can get you the best coverage at the lowest price. Get started with your free auto insurance quote today! If you’re on the Galaxy Fold, consider opening your phone or viewing it in full screen to optimize your experience.
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Texas car insurance laws require drivers to have at least some liability coverage, but finding a large amount isn’t always easy. The secret to scoring cheap car insurance in Texas is to focus on the right providers and compare quotes from several of them to get you the best deal. Here are some of the best car insurance companies in Texas that drivers may want to consider in their search:
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The best car insurance in Texas for general drivers is Texas Farm Bureau Insurance. On average, its premium costs $1,378.
Circle with letter I. Our rating is based on a 5 star scale. 5 stars equals excellent. 4 stars is excellent. 3 stars are equally good. 2 stars is a fair equivalent. 1 star equals poor. We want your money to work harder for you. That’s why our ratings are biased toward offerings that offer versatility while cutting out-of-pocket costs. = excellent = excellent = good = fair = poor
State Farm offers the best car insurance for drivers with single speeding tickets in Texas. Its average premium per year of $1,461 is lower than the state average of $2,700.
Teen drivers can expect to pay an average of $6,439 per year to get auto insurance in Texas. But those who go with Redpoint County Mutual can score lower rates. Its average annual premium for 18-year-old drivers is $1,478 per year.
Best Cheap Car Insurance In Texas
Senior drivers pay an average of $2,110 for auto insurance in Texas. But drivers who choose Texas Farm Bureau insurance can pay half as much. The average annual premium for a 65-year-old driver is $1,184.
Drivers looking for cheap liability car insurance in Texas should consider Texas Farm Bureau Insurance. It charges an average of $487 per year, well below the state average of $712.
How much is car insurance in Texas? According to our research the current average cost is $2,968 per year. This is slightly higher than the national average of $2,875. But scoring cheap car insurance quotes in Texas is still possible if you try some of the tips below.
At-fault auto insurance says that the driver found at fault in the accident must pay medical bills for himself and the other driver, if necessary. This is different from a no-fault state, where both drivers must have personal injury protection (PIP). Regardless of who caused the accident, everyone uses their own PIP to pay for their medical expenses.
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If a person is caught driving without insurance for the first time in Texas, they can expect a fine of between $175 and $350. Subsequent offenses can carry fines of between $350 and $1,000 Driving without insurance can result in suspension of driver’s license and vehicle registration Some may even have their vehicles impounded.
Texas drivers must purchase at least $25,000 in property damage liability coverage to pay for vehicle repairs or other personal property damaged in an accident.
According to the Insurance Information Institute, nearly 193,000 Texas auto insurance claims were made due to hail in 2019. It is the most remote and remote part of the country. Drivers may be able to avoid this problem by parking their vehicles in garages or under carports. But this is not always possible.
It is wise to invest in comprehensive coverage as well. It pays for weather-related damage to your vehicle and animal-vehicle accidents and more. Lenders may require drivers with their car lease or loan to purchase this coverage.
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Drivers in the Odessa, Texas area can expect to pay a little more for auto insurance than drivers in other parts of the state because Odessa sees a higher rate of car theft each year, according to the Insurance Information Institute.
This is another reason to consider investing in comprehensive coverage, even if you don’t need it. It pays the driver if they can’t recover the stolen vehicle or if they recover it and it’s damaged. The state’s minimum liability coverage does not protect drivers from this.
Kylie Hagen has been writing about small business and finance for nearly 10 years, with her work appearing on USA Today, CNN Money, Fox Business and MSN Money. They specialize in personal and business bank accounts and software for small and medium-sized businesses. She lives on a farm in northern Wisconsin with her husband and three dogs.
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We are firm believers in the Golden Rule, which is why editorial opinions are not pre-reviewed, endorsed or endorsed by our sole and exclusive advertisers. Ascent does not cover all offers in the market. Ascent’s editorial content differs from The Motley Fool’s editorial content and is produced by a different team of analysts.
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