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Cheapest Car Insurance In Texas (TX)

The Lone Star state is synonymous with the American Wild West. The Alamo, Hell’s Acre, the Stockyards, Stephen F. Austin and a host of other uniquely “cowboy” treasures are packed in America’s second largest state. Texas holds an enormous variety of activities to keep its residents occupied. From the Gulf of Mexico beaches in the south, to the pine forests of the northeast, to the rolling hills of the central plains to the desert and mountains in the west, there is always something to see. Drivers on one border could drive all day and still be in Texas when the sun goes down. With a state so big, Texans don’t have time to waste searching for car insurance information. So to make up for what could be lost time, CheapCarInsurance.net has done the searching and brought all the important facts right here in one, neat list.

Average Car Insurance Premiums

Texas average premiums were reported at 854 in 2008 after climbing from 796 in 2007. Census.gov placed the state’s average premiums as a percentage of income at 1.84 in 2008, nearly .3 percent above the national average of 1.57 percent.

Drunk Driving Fatalities

Even after dropping 2 percent in 2012, Texas’ drunk driving fatalities far exceed the national average. The National Highway Traffic Safety Administration shows a 7 percent difference between the nation’s 31 percent and Texas’ 38 percent.

Teen Drinking and Driving

Reporting a percentage of 12.6 in 2011 for Texas’ teen drinking and driving percentage, the Center for Disease Control revealed a wide margin with the national average. 2011′s national average was reported at 10.1 percent, 2.5 percent below the state’s.

Vehicular Theft in Texas

2012 saw no change in Texas’ vehicle theft rate of 249.4. The FBI’s report showed that the state far exceeded the nation’s 2012 rate of 229.

Taking time to study all the changing laws and regulations just shouldn’t be part of a Texan’s day. This list streamlines the process so no more time is spent digging and hunting for the information than is absolutely necessary. It’s all right here.

Minimum Requirements for Car Insurance in Texas

  • All vehicles in Texas must be covered by liability insurance, according to the state’s Insurance Division.
  • Liability minimums in Texas:
    • $30,000 includes injury to an individual from an accident.
    • $60,000 includes multiple injuries in an accident.
    • $25,000 includes property damage in an accident.

Failure to maintain insurance results in:

  • First Offense: a fine of $175 to $350
  • Second or subsequent offense(s): a fine of $350 to $1,000, suspension of driving privileges and possible impoundment of the vehicle.

New Driver Licensing Requirements

  • By law, every driver operating a vehicle in the state of Texas must hold a valid state driver’s license. The state’s Graduated Driver License (GDL) is a licensing program to give minors valuable driving training prior to allowing them to drive unsupervised. The GDL has three stages:
    1. The Learner License
    2. Minor Restricted Driver License
    3. Provisional License
  • The Learner License. This license permits an applicant who is 15 years old (and under 18) to drive only with a licensed adult who is 21 or older and who has had at least 1 year of driving experience. To apply for the license, the applicant must:
    • Complete a driver education course
    • Submit a verification of enrollment and attendance for school.
  • Minor Restricted Driver License. This license, also known as a hardship license, is available for minors who establish the necessity to drive. With this license, the applicant may become fully licensed at age 15. For an explanation of the requirements and restrictions, refer to the Texas Driver’s Handbook.
  • Provisional License. This is a regular driver license with restrictions for drivers under the age of 18. At this point, the applicant must have held the Learner License for at least 6 months and fulfilled all the requirements associated with it. The restrictions include:
    • The applicant is permitted only one unrelated passenger under 21.
    • The applicant is restricted from driving between midnight and 5am unless driving to/from employment, school activity or medical emergency.
  • Once these requirements are fulfilled and the driver turns 18, the Provisional License will become an unrestricted Driver License.
  • Vision Screening. 140 degree peripheral vision and at least a 20/40 visual acuity with or without corrective lenses is required to obtain an unrestricted license.
  • Knowledge Test. The knowledge test evaluates the driver’s understanding of basic traffic concepts included in the Texas Driver’s Handbook. A passing score of 70 percent is needed.
  • Road Test. The test consists of four skill areas:
    1. Vehicle control
    2. Observation
    3. Positioning
    4. Signaling
  • The driver’s handbook details each skill area with specific required actions that the test administrator will include in the test.
  • Fees:
    • Learner License (under 18): $16
    • Driver License (under 18): $16
    • Driver License (Ages 18-84): $25
    • Driver License (Ages 85 and up)D: $9

DUI/DWI Laws

  • BAC limit: .08 The Texas Department of Transportation defines the state’s DUI laws (ยง 49.04), while the department’s website provides a reader-friendly version.
  • First Offense:
    • Jail: 3 to 180 days
    • License revocation: maximum 1 year
    • Fine: maximum $2,000
    • License retention fee: $1,000 to $2,000 per year for 3 years
  • Second Offense:
    • Jail: 1 month to 1 year
    • License revocation: maximum 2 years
    • Fine: maximum $4,000
    • Ignition Interlock Device must be installed
    • License retention fee: $1,000, $1,500 or $2,000 per year for 3 years
  • Third Offense:
    • Jail: 2 to 10 years
    • License revocation: maximum 2 years
    • Fine: $10,000
    • Ignition Interlock Device must be installed
    • License retention fee: $1,000, $1,500 or $2,000 per year for 3 years

Texting & Driving Laws

According to Distraction.gov, a ban on cell phone use and texting is in place for novice drivers and bus drivers. All drivers are prohibited from texting or using a handheld device while driving in a school zone.

Unique Laws

Nothing says “Cowboy” quite like Texas, and some of its laws make it clear that Texas isn’t trying to hide that fact! For instance, only a man who owns 10 or more cattle is permitted to tuck his pants into one boot. When riding one’s horse at night, it is unlawful to forget to attach its taillights. Emitting offensive odors is prohibited while in an elevator. Cattle thieves can be hanged on the spot, and it is legal to ride one’s horse into a saloon!

State Department of Insurance

Texas Department Insurance
333 Guadalupe
Austin, TX 78701
(512) 463-6169
1-800-578-4677
www.tdi.texas.gov
Get Directions

Department of Transportation

Texas Department of Transportation
125 East 11th Street
Austin, Texas 78701
(800) 558-9368
(512) 463-8588
www.txdot.gov
Get Directions

Department of Motor Vehicles

Texas Department Motor Vehicles
4000 Jackson Ave
Austin, TX 78731
1-888-368-4689
www.txdmv.gov
Get Directions

The Texas Department of Public Safety handles all driver’s license issues.

See rates for these popular cities

Largest Cities:
Dallas
Houston

Tags:
Actual Yearly Savings
  • Gary
  • $1000
  • Oct 24, 2014
  • Gayle
  • $420
  • Oct 21, 2014
  • Manita
  • $600
  • Sep 21, 2014
  • Richard
  • $1188
  • Sep 19, 2014
  • Ashlee
  • $960
  • Sep 8, 2014
  • Tracy
  • $1200
  • Sep 3, 2014
  • Jaclyne
  • $120
  • Aug 28, 2014
  • Justin
  • $600
  • Aug 28, 2014
  • Patryse
  • $3600
  • Aug 10, 2014
  • Juan
  • $900
  • Jul 30, 2014
  • Mark
  • $600
  • Jul 30, 2014
  • Janice
  • $480
  • Jul 15, 2014
  • Trevor
  • $3600
  • Jul 15, 2014
  • Wanda
  • $600
  • Jul 1, 2014
  • Dana
  • $960
  • Jul 1, 2014
  • Verness
  • $1200
  • Jun 30, 2014
  • Shondalay
  • $1000
  • Jun 30, 2014
  • Chris
  • $120
  • Jun 27, 2014
  • Anthony
  • $600
  • Jun 24, 2014
  • Paul
  • $3600
  • Jun 21, 2014
  • Melissa
  • $1200
  • Jun 18, 2014
  • Daphne
  • $480
  • Jun 12, 2014
  • Yomara
  • $1800
  • Jun 10, 2014
  • Jose
  • $2400
  • Jun 6, 2014
  • Risa
  • $480
  • Jun 5, 2014
  • Alan
  • $1200
  • Jun 4, 2014
  • Tonisha
  • $1000
  • Jun 1, 2014
  • Raymond
  • $3600
  • May 30, 2014
  • Tiffany
  • $1000
  • May 29, 2014
  • Derrick
  • $3600
  • May 22, 2014
  • Desiree
  • $1200
  • May 19, 2014
  • Danielle
  • $1800
  • May 16, 2014
  • Lujendo
  • $540
  • May 15, 2014
  • Tierra
  • $3600
  • May 14, 2014
  • David
  • $900
  • May 13, 2014
  • Damber
  • $800
  • May 9, 2014
  • Lakisa
  • $960
  • May 7, 2014
  • Rodney
  • $1440
  • May 6, 2014
  • Ashley
  • $600
  • May 6, 2014
  • Michael
  • $2000
  • May 5, 2014
  • Vita
  • $1200
  • May 2, 2014
  • Kathleen
  • $200
  • Apr 28, 2014
  • Elizabeth
  • $600
  • Apr 27, 2014
  • Mercades
  • $1000
  • Apr 9, 2014
  • Steven
  • $1200
  • Apr 6, 2014
  • Sydney
  • $2400
  • Apr 6, 2014
  • Teddy
  • $1200
  • Apr 5, 2014
  • Shyte
  • $660
  • Apr 2, 2014
  • Janna
  • $1200
  • Apr 1, 2014
  • Bre-on
  • $400
  • Mar 31, 2014

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One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped

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at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

Jared

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