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The Essential Texas Car Insurance Comparison Chart

March 16, 2015

Everything’s bigger in Texas — including car insurance costs. Texas has the nation’s 14th highest rates, according to Insure.com, with an average annual premium of $1,620.

That doesn’t mean you have to pay that much, however. To get the lowest car insurance rates in Texas, you should get as many quotes as possible. Compare.com’s Texas car insurance comparison chart reveals that whatever your driving history looks like, some insurers will offer you dramatically lower rates than others.

Texas Car Insurance Comparison Chart

In Texas, drivers are required to carry at least $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident, and $25,000 of property damage coverage. Driving without insurance in Texas is a bad idea. Penalties range from a fine of $175-$350 for a first offense to $4,000 and a year in jail if you cause an accident resulting in serious injuries or death. Not only that, but an insurance company is allowed to charge you more if you drove without insurance in Texas for more than 30 days during the 12 months before your insurance application. Texas uses a system of electronic verification called TexasSure to check that drivers are carrying insurance.

In Texas, insurers have wide latitude when setting rates. We created a Texas car insurance comparison chart for three different driver profiles to illustrate the range in premiums.

Elizabeth Allclear:

  • Is a 44-year-old female
  • Owns a 2010 Chevrolet Malibu LS
  • Drives for pleasure
  • Owns a home and has a master’s degree
  • Is a low-risk driver with a clean driving record

 

Johnny Racer:

  • Is a 21-year-old male
  • Finances a 2013 Honda Civic SI
  • Drives to work
  • Rents an apartment and graduated from high school
  • Has two speeding tickets on his record

 

Joe and Julie Average:

  • Are a married 41-year-old couple
  • Owns a 2012 Grand Caravan SE and finances a 2011 Mazda 6S
  • Drives to work
  • Owns a condo and both have bachelor’s degrees
  • Has minor tarnish on driving record

 

Which profile is most like you?

Texas Car Insurance Comparison

These are all authentic quotes obtained by Compare.com, although we’ve left out the names of the insurance companies. What causes these big variations in Texas insurance rates? Let’s take a closer look.

Texas car insurance laws

  • Car insurance rates are affected by your driving history. Having an at-fault accident, speeding ticket or other moving violation on your record will raise your premiums. On our Texas car insurance comparison chart, you can see that the two profiles with a blemished record are seeing some high premium quotes. Even so, the Averages’ lowest monthly installment quote is a whopping $332 less than the highest quoted premium. That’s why it’s so important to shop around for car insurance.
  • Insurers consider how you use your car. Car insurance rates are typically lower for people who drive only for pleasure, like Elizabeth Allclear. If you use your car regularly to commute to work or conduct business, like Joe and Julie Average, your rates will be higher.
  • Your consumer credit affects your car insurance rates. Texas prohibits insurance companies from refusing to sell you insurance, or canceling your policy, because you have bad credit. However, Texas does allow insurers to consider consumer credit history. Bad credit can lead to higher rates.
  • Age and marital status affect Texas car insurance premiums. The highest rates, on average, are paid by men under 25 and unmarried women under 21, according to the Texas Department of Insurance. This may not seem fair, but that’s how it works. Age is one of the biggest reasons Johnny Racer sees such high premium quotes.

Your Texas auto insurance options

Don’t resign yourself to paying a lot for your insurance. Our Texas car insurance comparison chart reveals that some insurers will offer you much lower rates than others — even if you have a few tickets or an accident on your record. As you can see, Johnny Racer’s highest monthly installment quote is two and a half times his lowest quote. And with a clean record, Elizabeth Allclear sees rates as low as $77 per month.

Keep in mind that cost shouldn’t be the only factor you consider when you’re shopping for car insurance. Check your coverage levels, the reputation of the insurer and the perks, like roadside assistance, that may be included with your policy. For an easy and accurate way to compare insurance quotes before you buy, try Compare.com.

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