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Affordable auto insurance for good drivers in Texas

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Texas drivers without a recent moving violation save just 4% on their car insurance premiums, on average — compared to the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

If you feel like your rates are high in spite of your clean driving record, get car insurance quotes every few months to ensure you're getting a good deal.

Cheap insurance for young drivers in Texas

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Texas, teen drivers pay especially high rates: $7,096 per year — more than $2,000 more than the nationwide average and almost four times as much as a typical Texas driver.

Cheap car insurance for drivers with bad records in Texas

With a good driving record — devoid of at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. On the other hand, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 28% after a DUI, 33% after an at-fault accident, and 4% after a speeding ticket in Texas. The post-violation penalties assessed by car insurance companies in Texas are substantially lower than nationwide averages — especially when it comes to speeding tickets. If you have a clean driving history, inquire about your insurance company's safe driver discount.

What are the best car insurance companies in Texas?

Every auto insurance company advertises its low premiums. As with any product, the cheapest auto insurance policy isn't always the best choice. Considering the stakes, it's worthwhile to do your homework to discover an insurance policy that covers your vehicle adequately after an accident. It's worth comparing insurance options to unearth a great value, instead of settling for the most affordable car insurance in Texas.

Compare major insurers' financial strength and claims satisfaction ratings to better predict the level of service you will receive. Claims satisfaction — assigned by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to satisfy its policy and contractual obligations.

What is the best auto insurance coverage in Texas?

The minimum car insurance requirements in Texas are $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage per accident.

If you choose the legal minimum coverage level in Texas, expect to pay an average of $826 annually. This expenditure is more expensive than the nationwide average by 26%. If you opt for better coverage, you can choose a policy with comprehensive and collision coverage, which will protect against the costs of car-on-car crashes, theft and vandalism, or weather incidents. But better coverage comes with a cost: in Texas, a comprehensive insurance policy with a $1,000 deductible costs $1,620, 96% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 120% more than you would for basic coverage.

Compare average rates for basic, better, and best Texas auto insurance levels below.

Car insurance laws in Texas

State minimum insurance requirements in Texas

In Texas, the state minimum coverage requirement is liability insurance with limits of:

• Bodily injury liability: $30,000 per person
• Bodily injury liability: $60,000 per accident
• Property damage liability: $25,000 per accident

Optional coverage in Texas (varies by carrier):

• Uninsured/Underinsured Motorist Coverage
• Uninsured Motorist Property Damage
• Personal Injury Protection (PIP)
• Additional Medical Coverage
• Comprehensive Coverage
• Collision Coverage
• Rental Car Reimbursement
• Roadside Assistance/Towing and Labor

Liability coverage is legally required in Texas and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Texas, insurance minimums are listed as 30/60/25, explained below:

• $30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person you injure in an auto accident.
• $60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries you cause in an accident if more than one person is hurt.
• $25,000 property damage per accident. This is the maximum dollar amount that pays for damage you cause in an accident.

These numbers reflect the minimum insurance limits required in Texas but higher coverage amounts are available from most insurance companies.

Texas auto insurance FAQs

Do you need insurance to change your car title in Texas?

Yes. Because car insurance is legally required in Texas, you will need insurance to get a title change.

Can undocumented immigrants get car insurance in Texas?

Yes, but it is difficult. Most car insurance companies require their customers to have a valid driver's license. This provides insurers insight into their potential customers' driving backgrounds. While you can get insurance without a license in Texas, it may be difficult and expensive.

Can you insure a salvage title car in Texas?

Yes, but it may be more expensive due to the added risk insurance companies attribute to salvaged titles.

How much does car insurance cost in Texas cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Killeen, Texas, and the most expensive in Houston, Texas.