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Is there a way to have cheap car insurance in Texas?

Is there a way to get cheaper car insurance in Texas? I just moved here from Maine and the cost of my insurance policy is so high now! How can I lower my premium?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The rates of
car insurance
in
Texas
are much higher than in Maine, so it makes sense that you are looking for a lower rate! Luckily, there are a couple of different ways you can do that.
While the rate for full coverage in Texas tends to be high,
liability-only coverage
in Texas is lower than the national average. So take a look at your current policy limits. If your car is more than ten years old, removing
collision coverage
could save you hundreds of dollars a year! Make sure you’re not overpaying for coverage you don’t need.
Another way to save money is by making sure you get all of the
discounts
you are eligible for. Here are a few to look into:
  • Professional affiliation discounts
  • Alumni association discounts
  • Telematics discounts
  • Annual mileage reduction (if you are driving less since your move)
Lastly, moving is the perfect time to shop for cheap car insurance. It could simply be that your current insurer isn’t as competitive in Texas as other companies may be.
The easiest way to make sure you’re getting the best rate possible is through the
Jerry
app. We’ll get you customized quotes from top providers so that all you have to do is pick the policy that works best for you! (The best part? Jerry is partnered with some companies that specialize in Texas insurance!)
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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