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Cheapest Car Insurance In Texas (TX)

If you live in the “friendship” state of Texas, you will find a warm welcome from many local auto insurance companies. Finding the best quote and affordable coverage requires just a smarter look at what is available in this state.

At CheapCarInsurance.net, it is possible to research, compare and purchase local low cost Texas auto insurance and be assured that you will find the lowest rates and options that you need most for car insurance protection. Saving money is always important, and by comparing over a dozen insurance companies, you will find the best insurance coverage and rates for your specific needs. At the same time, getting the right policy for your requirements is equally important. By online comparisons of multiple insurance company rates and policy coverage options, you can quickly decide upon and purchase the best Texas Car insurance.

Requirements for Car Insurance in the State of Texas:

Drivers in Texas are required by state law to carry minimum limits for Bodily Injury Liability of $25,000 per person, and up to $50,00 per accident. Property Damage Liability must be purchased for at least a minimum limit of $25,000. Insurance companies refer to this coverage as 25/50/25 coverage.

These requirements went into effect on April 1, 2008. New, higher rates (30/60/25) will go into effect on January 11, 2011.* Under the Texas state Tort system, a person who caused an accident must be found to be “at fault” to make their insurance company responsible for damages. This may differ from tort systems in other states.

Although Texas does not require drivers to purchase Uninsured/Underinsured Motorist Bodily Injury insurance coverage, it is a purchase recommended by the insurance industry.

Upon your request for a quote on Texas Car insurance at CheapCarInsurance.net, you will receive options for selecting either a Texas State Minimum Required package, or other insurance coverage packages that can be customized on all coverage options. If you require additional explanation of insurance packages and coverage limits, there are Texas licensed insurance agents on staff at CheapCarInsurance.net to assist you in creating quotes and making purchases.

For obtaining local Texas Car Insurance rates, enter your zip code into the quote box on this page. Another method is to click on the link below for an auto insurance quote immediately.

Average Texas Auto Insurance Premiums

Compared to a national average of $1,566, the state of Texas has just slightly above average annual rates, coming in at $1,571, in 2010. Many people believe that insurance companies work together to set rates at fixed levels, and so they never shop around for a better deal. In actuality, each insurance company does set their own rates, according to their own criteria. This makes every insurance company offer slightly different rates. It is possible to save money on Texas Car Insurance just by shopping around. This is the greatest benefit to searching for car insurance at CheapCarInsurance.net. Discover competitive rate comparisons and find discounted prices that are available to you in the state of Texas, so you can get those lower auto insurance rates easily.

The good news is that in 2010, auto insurance rates have decreased, thus making it even more important to shop around to get the best rates available! Technology and competition work together at CheapCarInsurance.net in favor of the consumer by reducing costs.

Rates have gone up and down in recent years, even in Texas. The 2009 rates were 9% higher than the same coverage cost a year earlier, in 2008. Now, in 2010, those rates have dropped considerably, down 13% over 2009 rates. This is an ideal time to seek out a better deal on your Texas Car Insurance rates. You may save up to hundreds of dollars just by beginning with your online quote request.

Even if your driving record is marred and you are categorized as a high-risk driver, CheapCarInsurance.net agents can help you locate the best Texas auto insurance rates. Crime never sleeps and accidents continue to happen frequently all over the country. Protect yourself and your property against auto theft and damage due to vehicle crashes with proper insurance coverage. There are new carriers added to our roster of carriers constantly. Our website is the place for you to compare instantly the rates of many reliable insurance companies with just one stop online. Just enter your zip code information into the quote request box above to see how much you can save on car insurance in the Lone Star State! Look into getting a discount so that you can save money. Agents can help you with this task and it can save you a lot if you have teenagers who need the cheapest premiums.

We are a full service one-stop car insurance website for all 50 states and the District of Columbia. For Texas insurance information, submit your zip code information above. For all other states, get fast information by clicking on the appropriate state link below.

* Information from industry data

“ We offer both liability and comprehensive vehicle coverage, and service everyone including women, young drivers, students, new drivers, and everyone else under the sun in Texas!”

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Largest Cities:
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Tags:
Actual Yearly Savings
  • 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
  • Vita
  • $1200
  • Mar 31, 2014
  • Curtis
  • $2400
  • Mar 28, 2014
  • Clinton
  • $400
  • Mar 25, 2014
  • Janelle
  • $1800
  • Mar 25, 2014
  • Amanda
  • $1000
  • Mar 21, 2014
  • Tricia
  • $600
  • Mar 21, 2014
  • Douglas
  • $1000
  • Mar 20, 2014
  • Edmund
  • $1200
  • Mar 18, 2014
  • Dashawn
  • $1100
  • Mar 18, 2014
  • Summer
  • $2016
  • Mar 15, 2014
  • Hashem
  • $1000
  • Mar 14, 2014
  • Test
  • $1500
  • Mar 14, 2014
  • Margaret
  • $2400
  • Mar 14, 2014
  • Jacqueline
  • $2400
  • Mar 14, 2014
  • Jessica
  • $1200
  • Mar 13, 2014
  • Sofrona
  • $400
  • Mar 13, 2014
  • Angela
  • $1200
  • Mar 12, 2014
  • Lenorris
  • $696
  • Mar 11, 2014
  • Robert
  • $500
  • Mar 9, 2014
  • Stacry
  • $2400
  • Mar 9, 2014
  • Adam
  • $2000
  • Mar 8, 2014
  • Naemo
  • $100
  • Mar 8, 2014
  • Maxine
  • $600
  • Mar 7, 2014
  • Kevin
  • $2136
  • Mar 5, 2014
  • Jessica
  • $600
  • Mar 4, 2014
  • Edwin
  • $960
  • Mar 3, 2014
  • Igor
  • $1500
  • Mar 1, 2014
  • Solee
  • $600
  • Mar 1, 2014
  • Ahmed
  • $420
  • Mar 1, 2014
  • Alexander
  • $2268
  • Feb 27, 2014
  • Michael
  • $2400
  • Feb 27, 2014
  • Tyanna
  • $400
  • Feb 26, 2014
  • Natesha
  • $1200
  • Feb 25, 2014
  • Trini
  • $720
  • Feb 23, 2014
  • Wanda
  • $120
  • Feb 22, 2014
  • Alex
  • $1200
  • Feb 22, 2014
  • Courtney
  • $300
  • Feb 19, 2014
  • Brenda
  • $210
  • Feb 18, 2014
  • Ryan
  • $400
  • Feb 16, 2014
  • Mandy
  • $400
  • Feb 13, 2014
  • Brianne
  • $1800
  • Feb 13, 2014
  • Daniel
  • $2000
  • Feb 12, 2014
  • Jaime
  • $1080
  • Feb 12, 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 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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