Affordable Auto Insurance In Texas – Whether you’re stuck in bumper-to-bumper traffic in Austin trying to merge into Houston, or just trying to get around the Dallas/Fort Worth area, Texans rely heavily on personal vehicles. With a car comes the responsibility of car insurance, as drivers are required by law to have minimum liability coverage. Every driver in Texas wants to be protected, but doesn’t want to overpay for their coverage. These are the top 10 Texas cities with the cheapest auto insurance options based on our state’s most populous cities:
*Methodology from HelpInsure. based on the most reliable zip code in each county for each city, female driver, married, age 25-64, average credit score, drives a car, drives more than 18,000 miles per year, was not. has caused an accident or received a speeding ticket in the last 3 years.
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As you can see, Lubbock, TX drivers have it the best because their insurance premiums are the lowest across the board. In contrast, drivers in Houston, Texas and Corpus Christi, Texas 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, residents of Lubbock, Austin, El Paso, Laredo, and Fort Worth, Texas enjoy the cheapest car insurance rates in the state, but which carriers provide the best rates in these cities? Whether you just want to stay legal or get comprehensive coverage for your car, take a close look at the best motor insurance brands available.
Drivers may be surprised to learn that there are many ways they can save on their car insurance policy. Everything from safer driving to learner status to bundling and more are ways drivers can save 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 auto insurance discounts, and by talking to your agent, you’re almost certain to find a way to save. Check out some of the popular savings opportunities available to drivers in Texas:
Different brands of car insurance offer different discounts. You will also notice that different discounts apply to different areas of life. Either way, the team at TGS Insurance are ready to help you find the right discounts for your car insurance, starting with a free quote today.
Your car insurance is there to protect you from the many dangers drivers face on the roads today. It can keep you out of legal trouble, protect you from liability and recover damages after an accident, but that doesn’t mean you have to overpay for great coverage. At TGS Insurance, we believe in finding our customers the best coverage for their needs at the lowest possible cost.
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Texas drivers save an average of $1,237 per year when they switch to TGS Insurance. By comparing your car insurance policies between our top 35+ insurance providers, we can find the best cover at the lowest price. Get started with your free car insurance quote today. With average Texas auto insurance rates exceeding $1,800 per year, drivers are motivated to find ways to lower their annual premiums. Although minimum liability coverage is required, maintaining affordability is important for most households.
The Lone Star State’s high accident rates, crowded urban areas, lawsuits, uninsured drivers and car theft rates all contribute to higher prices. But with proactive shopping and smart policy decisions, Texas motorists can secure lower insurance rates to fit their budget and needs.
This comprehensive guide provides useful tips to reduce your insurance costs while still having adequate protection. We’ll explore minimum requirements, pricing factors, discounts and other savings strategies. Let’s start.
While it’s tempting to cut insurance to save money, it makes drivers dangerous. Texas has the highest rates of traffic accidents and fatalities in the United States.
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In 2020 alone, more than 297,000 accidents were reported in the state, resulting in 3,896 deaths. Urban areas such as Houston and Dallas have a high number of accidents. The possibility that you will find yourself in conflict is high.
Texas is also a “fault” state, meaning that the negligent driver who caused the accident is fully responsible for the damages. Without adequate insurance, a moment of distraction behind the wheel can lead to crippling costs.
Minimum liability insurance covers injuries to others and property damage you cause up to the policy limits. Having reliable coverage options protects your own vehicle, medical bills and lost income. Don’t risk your assets without adequate insurance.
Texas drivers are required by law to have a minimum level of responsibility. Failure to comply with these requirements can result in fines, license suspension and further financial consequences following an at-fault accident.
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This includes medical bills, lost wages, rehabilitation, long-term care, and the pain and suffering of others injured as a result of the collision you caused. Experts recommend wearing 100/300 or higher limits whenever possible.
This pays for the repair or replacement of another driver’s vehicle or property if it is damaged in an at-fault collision. Again, limits of $50,000 or higher are wise.
This type of coverage protects you and passengers if you are injured in an accident caused by an uninsured or underinsured driver.
Personal injury protection coverage is no longer required in Texas, but is still provided by many insurers. This optional coverage pays medical expenses for you and passengers after an accident, regardless of fault.
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While minimum liability insurance is required, investing in reliable insurance options is also important to fully protect your finances. Next, we’ll explore how to keep the overall cost of adequate insurance reasonable.
Drivers have several options to potentially lower Texas auto insurance costs while still maintaining adequate coverage. Here are some of the most effective ways to save.
One of the fastest ways for drivers to save money on Texas auto insurance is to get quotes from multiple providers. Insurers look at different risk factors and use different formulas to set premium prices. Prices can vary dramatically between insurers.
Experts recommend comparing at least 5 quotes and the more the better. Be sure to get quotes with identical coverage limits for accurate comparisons.
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Both large national brands and regional Texas insurance companies should be included in your search for the best value. Compare quotes through insurance company websites, independent agents and online insurance quote platforms.
Drivers who compare rates when policies are up for renewal usually find opportunities to lower premiums and/or extend coverage. Don’t let rules auto-renew without making a purchase first.
Usage-based insurance plans, which base rates in part on actual driving behavior, are spreading rapidly in Texas. Providers such as Progressive, Allstate and State Farm now offer these voluntary plans.
Drivers install a small device in their car or use a mobile app to track mileage, speed, acceleration, braking, daily driving time and other metrics. Data is analyzed over a specific review period, often 6 months.
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Those with low mileage and safe habits, such as avoiding speeding or hard braking, can get significant discounts. However, dangerous driving can also increase your costs on these TV programs.
Savings for safe drivers can range from 10% to 30%, making usage-based insurance a viable option for many drivers. But it may not be ideal for those with privacy concerns or extremely high annual mileage.
Most major car insurance providers offer a variety of discounts that drivers can use to lower premiums. Be sure to ask about all possible savings opportunities.
Also, ask about membership discounts for belonging to groups like AAA or certain employers. Consider discounts when choosing insurance providers.
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By choosing a higher deductible, the amount you pay out of pocket for a claim before coverage begins can significantly reduce your premium costs. For example, increasing your deductible from $500 to $1,000 can lower your premium by 15% to 30%.
Just make sure you have the money to cover the higher deductible in the event of an accident. This strategy works best for drivers with emergency savings and a clean driving record. See if increasing your deductible makes sense for your situation.
You cannot increase your deductibles on liability coverage that protects others, but you can choose higher collision and comprehensive deductibles that cover your own vehicle.
Most major insurance companies use credit-based insurance scores as a factor when underwriting insurance policies. Drivers with bad credit usually have to pay higher premiums than those with excellent credit, often 80% more.
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Maintaining great credit saves on car insurance as well as loan costs. Follow healthy credit habits to beat your interest rates.
Traffic violations, at-fault accidents and small repair claims can seriously inflate your car insurance costs. Insurance companies interpret these problems as a sign that you may be a high-risk customer.
Waiting for citations and accidents to clear your record after 3-5 years can help lower rates again. But preventing problems in the first place is ideal.
Insurers analyze industry crash test results, theft data, repair costs, injury claims and other statistics to assign risk profiles to vehicles. Prices are adjusted accordingly.
