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If you are looking for the most affordable Texas car insurance coverage then you have come to the right place. Compare free online Texas auto insurance quotes to see where you can get the policy you need at the lowest cost. Start shopping now!

To help you make an informed TX auto insurance decision, here is some valuable information regarding Texas auto insurance policies.

Texas Car Insurance Minimum Requirements

Like most states, in the state of Texas every person who drives or owns a registered vehicle must have a required minimum amount of auto insurance coverage.

The TX state minimum auto insurance requirements are as follows:

  • Bodily injury liability per person of $25,000
  • Bodily injury liability per accident of $50,000
  • Property damage liability of $25,000

Texas increased their minimum requirements to these amounts in April 2008. When purchasing your policy you must have these coverage requirements met or you could face fines and/or license suspension.

Remember that this may not be adequate coverage to protect you financially if you are involved in an accident. Consider adding additional coverage to your TX auto insurance policy to make sure you have the protection you need.

You can compare your TX car insurance coverage options now by using our free Texas auto insurance quote comparison tool.

The Texas Automobile Insurance Plan Association (TAIPA)

If you are having difficult finding auto insurance in Texas due to a poor driving record, a lapse in coverage or any other reason you may be eligible to purchase insurance through the Texas Automobile Plan Association. The TAIPA was created to ensure that all eligible applicants are able to obtain the required amounts of TX car insurance coverage.

The TAIPA will help you find car insurance coverage through a licensed Texas auto insurance company. However, be prepared to pay higher rates if you have a poor driving record. Whatever the reason is that you are unable to obtain insurance on your own will probably put you in a higher risk category for the car insurance company and will therefore make your rates higher.

Texas Car Insurance Rates

Understanding your TX auto insurance rates can be key to finding the cheapest car insurance policy. The most important thing to know is that each auto insurance company in TX determines rates in their own way. Your Texas car insurance rates are not set by the state or any other agency. They are determined solely by the insurer.

This means that shopping around and comparing quotes from multiple TX car insurance providers is the only way to be sure that you are getting the lowest price available.

Some of the main determining factors used by auto insurance companies in Texas when setting your rates include:

  • Gender: Male drivers are typically considered to be higher risk than female drivers due to accident and driving statistics, which tends to make their rates higher.
  • Age: Drivers under the age of 25 tend to pay more for auto insurance than any other age group.
  • Marital Status: Married couples typically pay less for auto insurance than singles.
  • Vehicle: Certain vehicles cost more to insure than others. Vehicle that are more likely to be stolen and vehicles that are expensive to repair will cost more to insure.
  • Location: Rural areas tend to have lower auto insurance rates than urban areas. Locations with high amounts of traffic, accidents and vehicle thefts are likely to have higher insurance rates.
  • Driving Record: People with clean driving record will typically pay less for auto insurance than people with poor driving records.
  • Claims History: People who have a history of making insurance claims may be charged higher rates.
  • Credit Score: People with low credit scores may be charged higher rates than those with high credit score. A credit score is an indicator of the level of financial responsibility of a person and having a low credit score makes you a higher risk in the eyes of the insurance company.

Even though many of these factors are outside of your control there are a few ways that you may be able to lower your TX car insurance rates.

  • Look for discounts. Many auto insurance providers offer discounts like low mileage, good student, safe driver, etc.
  • Raise your credit score. If you have a poor credit score it may be negatively affecting your auto insurance rates. Make sure you pay your bills on time and start paying off your debt to raise your credit score and lower your TX car insurance rates.
  • Bundle insurance policies. Purchasing your home or renters insurance from the same company as your auto insurance policy can help save you money.
  • Shop around and compare. Comparing quotes before purchasing a policy is the number one way to get the cheapest Texas auto insurance coverage possible. Start now with our free online TX car insurance quote tool.

Compare Your TX Car Insurance Options Now!

Don’t put off buying the Texas car insurance coverage you need. While shopping for car insurance may seem like a hassle it doesn’t have to be! Our free online Texas car insurance quote comparisons allow you to find the perfect policy right from your home. The best part is it only takes minutes to get your free quotes!

So get started finding the most affordable Texas car insurance coverage available to you right now!

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