Car Insurance in Texas
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- Looking for cheap car insurance in Texas?
- How much does car insurance cost in Texas?
- Top auto insurance providers in Texas
- What car insurance do you need in Texas?
- How is your cost of car insurance determined in Texas?
- How to save money on car insurance in Texas
- Registering your car in Texas
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Looking for cheap car insurance in Texas?
Car insurance prices tend to run high in the Lone Star State, largely due to high speed limits and inflated accident rates. The good news is that if you’re looking for cheap car insurance in Texas, Jerry can help you find savings fast.
Location is just one of the variables that go into calculating your rates, and comparing quotes is the easiest way to find affordable premiums. Whether you live in El Paso, Austin, Houston, or anywhere in between, Jerry can find you competitive rates from top providers in your area in less than a minute.
But Jerry is more than a free insurance shopping app. As a licensed broker, Jerry handles your switchover from start to finish—and even takes care of your renewals. Why do all that extra legwork when you can use Jerry instead?
But don’t just take our word for it! These are real quotes (and real savings!) from Jerry customers in Texas:
| Quote Date | Car | City | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|
| April 25, 2022 | Chevrolet Gmt-400 C1500 | La-Marque | Marcus W. | 37 | Mercury | $98/mo. | $61/mo. |
| May 14, 2022 | Nissan Titan S | Denison | Rosa D. | 50 | Electric | $159/mo. | $65/mo. |
| April 27, 2022 | Honda Pilot EXL | Killeen | Henrietta M. | 21 | Electric | $199/mo. | $101/mo. |
| May 7, 2022 | Toyota Sienna XLE | Austin | Eliza G. | 38 | Safeco | $160/mo. | $111/mo. |
| May 7, 2022 | Toyota Avalon XL | League-City | Teresa F. | 28 | Electric | $158/mo. | $122/mo. |
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How much does car insurance cost in Texas?
The average cost of basic liability car insurance in Texas is $1,866 per year. If you opt for full-coverage car insurance in Texas, you’ll be looking at an average cost of $2,295 per year.
How does the annual cost in Texas compare to the rest of the country?
In comparison, the national average is $1,626 per year to buy basic liability car insurance and $2,298 per year to buy full-coverage car insurance.
Why is insurance so expensive in Texas? It boils down to a few key things:
- High population density
- Higher speed limits
- A higher rate of car accidents
Texas also has fairly high minimum car insurance requirements, which increases the cost of even basic liability insurance.
Here’s how Texas’s insurance savings with Jerry stack up against nationwide averages:
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| TX | $2,307 | $1,624 | $1,873 | $1,096 | $2,639 | $2,042 |
| National Average | $2,436 | $1,660 | $2,296 | $1,376 | $2,654 | $1,962 |
| TX | National Average | |
All Coverage Before Jerry | $2,307 | $2,436 |
All Coverage After Jerry | $1,624 | $1,660 |
Minimum Coverage Before Jerry | $1,873 | $2,296 |
Minimum Coverage After Jerry | $1,096 | $1,376 |
Full Coverage Before Jerry | $2,639 | $2,654 |
Full Coverage After Jerry | $2,042 | $1,962 |
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Top auto insurance providers in Texas
Texas has dozens of auto insurance companies offering reliable coverage and great customer service, including top names like Progressive, State Farm, and Allstate.
But finding the best one for you isn’t as easy as just choosing one and signing up.
Each provider has its own formula for calculating insurance premiums. So if you get quotes from six different insurance companies, you’ll probably end up with six entirely different rates—even for the exact same coverage.
Factors that have a significant impact on your rate include your age, driving record, and—you guessed it—your location.
Your vehicle also plays a role. If you drive an Audi A3, for example, your full-coverage insurance premium will likely always be higher than it would for a Honda Civic because expensive cars cost more to insure.
Jerry customers have scored some amazing deals with popular carriers in Texas. Check out the savings:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Dairyland | $3,210 | $1,012 | Compare Prices |
| Kemper | $2,491 | $900 | Compare Prices |
| National General | $3,183 | $887 | Compare Prices |
| Clearcover | $2,709 | $804 | Compare Prices |
| Allstate | $2,608 | $778 | Compare Prices |
| Safeco | $2,530 | $763 | Compare Prices |
| State Auto | $2,837 | $735 | Compare Prices |
| Travelers | $2,631 | $729 | Compare Prices |
| Nationwide | $2,959 | $685 | Compare Prices |
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What car insurance do you need in Texas?
Each state has minimum insurance requirements that you must meet before you can legally hit the road. In Texas, you need at least the following:
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $25,000 per accident | Covers the costs associated with damage you cause to other people’s vehicles or property |
Failing to secure the minimum required coverage before driving could get you into some serious trouble, including:
- Minimum $175 ticket for your first offense
- Driver’s license suspension
- Vehicle impoundment
- Financial liability in the event of an accident
If you can afford it, you should always purchase more than the mandatory minimum insurance. Here are some beneficial coverages to consider:
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Uninsured motorist coverage | Reimburses you for your expenses from an accident caused by an uninsured driver |
No matter what kind of coverage you’re looking for, get Jerry on your side.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Sign-up is free and takes less than a minute. Then, Jerry finds you great deals on insurance that meets your coverage needs from reputable companies like Nationwide and Travelers.
The average Jerry customer saves $879 per year on their car insurance!
So, now that you know what type of insurance you need, let’s look at what will impact the cost.
How is your cost of car insurance determined in Texas?
Various factors contribute to your final car insurance premium, including your age, driving record, zip code, and the type of vehicle you drive.
Cost to insure your car in Texas by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
What young drivers in Texas need to know
- Texas has a graduated licensing system, which is intended to help foster safe driving habits among new drivers
- Young drivers can take a defensive driving course to help secure lower car insurance premiums
- Maintaining a good average can qualify student drivers for a good student discount
If you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still find a great deal on car insurance by shopping around and maintaining a clean driving record.
No matter your age, comparison shopping with Jerry is a good place to start. Here are the average rates for drivers by age:
| Age Group | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 18-20 | $2,975 | $955 |
| 21-24 | $2,768 | $972 |
| 25-34 | $2,507 | $858 |
| 35-44 | $2,422 | $832 |
| 45-54 | $2,371 | $830 |
| 55-64 | $2,305 | $813 |
| 65+ | $2,355 | $890 |
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Cost to insure your car in Texas with a poor driving record
Your driving record impacts your insurance rate in a big way. If you’ve been in an accident, received a speeding ticket, or been convicted of a major offense like a DUI, you can expect to pay more for your Texas car insurance.
The reason is simple: you’re a higher risk for insurance companies. And this means higher premiums for an extended period—often three years or more depending on the violation.
So, can you save money on car insurance if you have driving violations? Absolutely—and using Jerry is the best (and easiest!) way to find cheap car insurance with a bad driving record.
Here are just some of the savings we found for customers with less-than-perfect driving histories:
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,616 | $783 |
| Suspension | $4,378 | $2,110 |
| Illegal Turn | $3,359 | $1,232 |
| Speeding over 15 | $3,706 | $1,202 |
| Failure to Obey Traffic Sign | $3,385 | $1,128 |
| Wrong Way/Wrong Lane | $3,108 | $1,101 |
| Careless Driving | $3,697 | $1,083 |
| Improper Passing | $3,326 | $1,073 |
| Driving on Sus. License | $3,222 | $1,071 |
| Defective Equipment | $3,203 | $991 |
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Cost to insure your car in Texas based on where you live
Texas is the country’s second-largest state, both by area and by population. It’s home to over 29 million people, almost 18 million of whom are licensed drivers.
You might be surprised to learn that insurance rates can vary significantly depending on where in Texas you live. Drivers in cities tend to pay more than those in rural areas since urban centers have higher rates of accidents, thefts, and claims.
Densely populated areas like Dallas or Houston, with well over 3,500 people per square mile, will have higher premiums than smaller, more sparsely populated ones.
Check out the great rates that Jerry found in some of the largest cities in Texas:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Arlington | $2,529 | $902 |
| Austin | $2,435 | $877 |
| Dallas | $2,552 | $867 |
| El Paso | $2,349 | $829 |
| Fort Worth | $2,461 | $827 |
| Houston | $2,618 | $870 |
| San Antonio | $2,518 | $866 |
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Cost to insure your car in Texas based on the type of car you drive
Finally, the vehicle you drive can have an impact on your car insurance premiums. If you’re driving a Toyota Camry—the most popular car in the state—or the best-selling Ford F-150 light-duty pickup truck, affordable rates shouldn’t be too hard to come by.
Generally speaking, relatively inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you’re in an accident. And you’ll pay even less if you don’t drive very often, since you’re less likely to get into an accident.
But if your ride is something expensive, like a Mercedes-AMG G63 or Audi A8 Quattro, be prepared for higher rates.
Here’s what it costs to insure some popular makes and models with and without Jerry:
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Nissan Altima 2.5 | $2,374 | $1,487 |
| Ford F150 Supercrew | $2,296 | $1,403 |
| Chevrolet Equinox LT | $2,305 | $1,401 |
| Toyota Corolla L | $2,331 | $1,395 |
| Honda Civic LX | $2,125 | $1,300 |
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How to save money on car insurance in Texas
No matter your situation, there are numerous ways for you to bring down the cost of your car insurance in Texas.
Shop around for quotes
The easiest way to find savings on your car insurance is to comparison shop and get quotes from at least three to five insurance companies.
You could do this by filling out long online forms and then dodging daily calls from insurance agents — or you could get Jerry.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Answer just a few easy questions and let Jerry handle all the hard work for you—from collecting quotes to completing the paperwork to helping you cancel your old policy.
And to ensure you’re always getting the lowest rate, Jerry monitors prices before your renewal and lets you know if there’s a better deal.
Look for discounts
Almost all insurance companies offer an array of discounts based on you, your driving habits, and your vehicle. Here are some of the most popular discounts in Texas:
| Discount | Who is eligible? |
|---|---|
| Good driver discounts | Good driver discounts are for Texas drivers who have had a valid driver’s license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium. |
| Bundling discounts | Insuring multiple products (like auto and home) with the same company is an easy way to get a bundling discount, which can result in savings of around 18%. |
| Defensive driver discounts | Most insurance companies offer discounts to drivers who complete a state-approved defensive driving course. This can be particularly helpful for young drivers who typically face high premiums. |
| Payment and billing discounts | Policyholders who pay their premium in full, set up automatic payments, or sign up for paperless billing may be eligible for a discount of up to 25% on their annual premium. |
| Good student discounts | Good student discounts can help reduce insurance premiums for young drivers, who typically have sky-high rates until they turn 25. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer. |
| Continuous coverage discounts | Many insurance companies offer discounted rates—often 5% to 25%—to policyholders who have been continuously insured for 6 months or more. |
Texas allows insurance companies to consider factors such as employment, residential, and marital status when they set their car insurance premiums. If you’re married, own a home, or have an affiliation with certain employers or institutions, ask your insurer if you’re eligible for a discount.
Increase your deductible
Increasing your deductible—that is, the amount you have to pay for a claim before your insurance kicks in—will lower your premium. And in some cases, it might make sense.
Before you inquire about raising your deductible, be sure that you can afford to pay the deductible in full each time you have to make a claim.
Registering your car in Texas
If you want to register a car in Texas, you’ll need to bring the following to the DMV:
- Valid driver’s license or ID card
- Proof of insurance
- Proof of sales tax payment
- Car title or signed lease agreement
- Proof of a safety inspection
- Smog test certificate, depending on the age of the vehicle
It’s usually best to make an appointment. Once there, you’ll need to complete a registration form with some personal information and details about your vehicle.
In Texas, you’re required to renew your vehicle registration annually.
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