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Accidents and auto insurance in Texas

As of December 2013, the state auto insurance premium stands at an average $1545 in Texas. Being mandatory in Texas, as in most other states, auto insurance is a significant expense in owning and operating a vehicle. While the minimum requirement is to have liability coverage, there are other forms of coverage such as uninsured motorist coverage, comprehensive coverage, etc. that you may consider buying.

When buying insurance, your previous driving record has a big impact on the premium rate that you will end up paying. For instance, even though the average premium rate in Dallas is $1527, you may end up paying $2840 if you have been caught drunk driving. Similarly, accidents will lead to higher premiums. Most insurance companies will raise your premiums when it comes to time to renew your policy if you have had accidents.

The National Highway Traffic Safety Administration (NHTSA) estimates that there were 2.36 million people injured in motor vehicle accidents in 2012. The corresponding number for 2011 was 2.22 million. In 2012, 3398 people lost their lives in motor vehicle accidents in Texas. All these factors contribute to a higher premium rates.

In terms of insurance premiums, accidents can be an expensive affair. For instance, if you live in Fort Worth the average insurance premium you can expect to pay is $1318. However, one accident will drive up your premium to $1623. A second accident will drive it up further to $2422. Not only that, you’ll end up paying higher rates for up to three years following accidents. However, if you cause an accident that leads to major property damage or serious injury your premium may double. In Fort Worth, that would mean a rise to $2636 in one shot. A defensive driving course will help you reduce your premiums a little. More importantly, it will educate the drivers making them better equipped to drive in adverse conditions and help minimize accidents as well as insurance premiums.

Texas Auto Insurance Rates

Below are the minimum, average and maximum insurance rate estimates for neighbourhoods in and around Texas, TX.

Lowest Rate:$1,100
Average Rate:$1,500
Highest Rate:$2,500

Recent Savings From Top Providers in Texas

Rank Customer Zipcode Amount Saved
1 75771 $240
2 76900 $233
3 77326 $231
4 75001 $229

Compare Auto Insurance Companies in Texas

Company A.M Best Rating on
Financial Strength
Year Founded
Progressive A+ 1937
State Farm A++ 1922
Allstate A+ 1931
GEICO A++ 1936
Nationwide A+ 1925
Liberty Mutual A 1912

Texas Auto Insurance Requirements

Minimum limits of liability for auto insurance in Texas as per TX State Laws

Bodily Injury Liability

  • $30,000 for death/injury of any one person, per accident.
  • $60,000 for all persons per accident.

Property Damage Liability

  • $25,000 per accident.

Texas Car Insurance Average Rates by Make

In addition to the location, one key factor that contributes to the insurance rates in Texas is the vehicle's make and model. Especially the vehicle's theft rates in Texas

MakeInsurance Average PremiumView Details
MakeInsurance Average PremiumView Details

Write Your Review & Save Money

Learn from people in your town & neighborhood on what coverage they have & who they close & how they saved money

Latest Auto Insurance Reviews in Texas

Esurance

$750 for 6 Months

I would say I like this company. A little over a year ago my girlfriend was in my Pathfinder and someone rear ended her. Of course it was an uninsured motorist and even though my girlfriend was not on the policy Esurance took care of everything. I am a 35 year old male with a very clean driving record, no accidents and no tickets in the last 7+ years. My insured vehicle was a 2005 Nissan Pathfinder. I'm a single male. I chose this company because they were the cheapest insurance company that I could find online, I would definitely recommend them to a friend!

GEICO

$350 for 6 Months

not a bad insurance. easy to deal with. i have never had a claim, so i don't know how that process works. very helpful and available, or i can pay online. when i do call to talk to a rep, they are very professional and friendly. i have been with this company for 10 years. occasionally i will get other quotes from other carriers, but they never beat Geicoi 's rates. i have a very good driving record and only my 2006 Chevrolet Cobalt is insures. i do not drive to work. Just for leisure. i have complete coverage still. My car is still worth $4,000. i switched from Farmers because I saved $100.00 monthly. There is no other insurance. I am a female, 59 years old, widowed. I never drive far, perhaps 15 miles a day, when I drive.

GEICO

Used to pay a very low monthly fee. Got into a small fender bender and my rates doubled. It's been slowly declining a bit at a time every Six months. As for the coverage itself l, it's a basic plan. Bodily harm included. Il probably stick with them now that my rates are going back down but if they do ever start to go back up I may have to look into switching to a different provider. I've been with them for a little over six years now and am currently happy with them. The hold time when you call is never too rediculous so I can stand to deal with them