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Texas Minimum Car Insurance Requirements, Penalties of No Coverage, Average Rate by City, & Strategies to Lower Your Premium

Minimum Auto Insurance Requirements in Texas

CoverageTX Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$30,000 / $60,000$100,000 / $300,000
Property Damage$25,000$50,000
Uninsured Motorist Bodily Injury Coverage*$30,000 / $60,000$100,000 / $300,000
Uninsured Motorist Property Damage*$25,000$50,000
Personal Injury Protection (PIP)*$2,500 $2,500
Comprehensive CoverageOptional$250 - $1,000 deductible
Collision CoverageOptional$250 - $1,000 deductible

*Coverage can be rejected in writing.

Bodily Injury Liability

Bodily injury liability covers the doctor’s expenses of the other driver and their passengers when the insured is discovered to be at-fault for an accident. Under the minimum auto insurance coverage, the insurer will pay up to $30,000 for a single person and $60,000 for multiple people injured in the accident.

Cheapest insurers in Texas for 25 year old

Note: For a 25 year old driver the lowest quotes are from GEICO, Texas Farm Bureau, and State Farm, as illustrated. For further comparison please see table below.

Property Damage Liability

Property damage liability covers repairs for damages that happen to the other person’s car as well as damage to any private and public property. When the minimum coverage is purchased insurance will pay as much as $25,000 for repairs that are required.

Best insurance premium options for 30 year old

Note: As illustrated, the best premium options are from GEICO, State Farm, and Texas Farm Bureau for a 30 year old driver.

The list number of Texas minimum requirements is 30/60/25 which is always in thousands and since Texas is the second largest state population wise, (California is first), the minimum requirements are relatively low for a state with a high number of drivers.

Affordable auto premiums options for 35 year old

Note: The cheapest carriers clustered near $1,600 for a 35 year old driver in Texas. For further details please see table below.

Cheapest Auto Insurers by Rate & Age

RankTX Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1GEICO$2,331$1,978$1,598$1,185$989$832
2Texas Farm Bureau$2,344$1,987$1,612$1,232$1,009$834
3State Farm$2,362$2,009$1,614$1,245$1,011$845
4Progressive$2,387$2,014$1,616$1,265$1,023$867
5Nationwide$2,388$2,034$1,623$1,278$1,041$887
6Mercury$2,401$2,060$1,668$1,285$1,056$902
7Allstate$2,489$2,089$1,679$1,341$1,078$904
8Farmers$2,554$2,121$1,700$1,347$1,080$909
9American Family $2,605$2,122$1,706$1,349$1,098$900
10Unitrin$2,623$2,122$1,706$1,357$1,213$910
11Allied$2,699$2,209$1,745$1,378$1,211$920
12MetLife $2,749$2,278$1,778$1,441$1,211$921
13Encompass$2,750$2,278$1,899$1,456$1,214$931
14Amica$2,755$2,332$1,867$1,441$1,243$956
15Unitrin$2,756$2,378$1,878$1,456$1,244$978
1621st Century$2,777$2,345$1,867$1,488$1,234$1,008
17Liberty Mutual$2,788$2,479$1,943$1,490$1,256$999
18Esurance$2,787$2,502$1,944$1,556$1,231$1,002
19Kemper$2,805$2,422$1,942$1,576$1,230$1,021
20Safeco$2,799$2,448$1,977$1,488$1,231$998

As recommend, no matter the state you reside in, the minimum coverage is not adequate, particularly if you have a newer model vehicle. Policy-holders want to be sure they are covered for any unforeseen accidents.

Inexpensive insurers quotes for 40 year old driver

Comprehensive & Collision Coverage

Comprehensive cover is recommended in the state of Texas since there can be harsh weather with heavy rainfall during hurricane season near Houston. Texas also has a high rate of auto theft and if you have comprehensive cover your stolen vehicle will be covered.

If you have a newer model vehicle it would be wise to think about collision coverage too. Even older model cars should consider have some level of collision coverage, particularly driving in big cities such as Dallas, and if you have a loan on your vehicle collision coverage is going to be required in the state of Texas.

Low-cost insurance firms for 45 year old in Texas

Uninsured Motorist Protection

Uninsured motorist protection would be a good to consider since Texas has an uninsured motorist rate of one out of every ten drivers driving uninsured. In the northern part of Texas the uninsured motorist rate is lower than in the southern part of the state.

Best premium rate options for 55 year old.

Gap Insurance for Financed Vehicles

Texas is know for beautiful farm lands and notoriously big 4 x 4 trucks and since the majority of the vehicles are financed getting Gap insurance would be a good idea.

Gap insurance is going to cover the “gap” between the “actual value” of the vehicle and what is “left over” or the “gap” from financing the vehicle. For example, if you vehicle has a blue book value of 18,000 dollars and you financed 24,000, but have left to pay the bank an amount of 22,000 dollars then you have a 4,000 dollar “gap”

Best Insurers by Rating, Rate Change over 18 Months, and Complaints

TX Auto Insurance CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
GEICO$535,701,791+3.1%884.3
Texas Farm Bureau$415,641,543+3.4%764.0
State Farm$547,875,321 +3.4%1014.4
Amica$121,528,000+3.4%144.1
USAA$459,137,823+3.8%1214.4
Progressive$631,273,206+3.3%1384.5
Farmers $199,742,542+3.9%433.9
Mercury$84,920,209+4.1%23 4.1
MetLife $81,253,753+2.9%313.9
Nationwide$408,631,874 +2.8%2114.4
Liberty Mutual$134,165,829+2.9%294.4
Allstate$246,012,635 +4.3%294.3
21st Century$87,863,887 +2.9%214.2
Travelers$51,504,011 +3.1%84.1
American Family$78,715,033+2.9%374.4
Esurance$76,331,911+3.6%84.3
Safeco$17,456,343+3.5%63.8
Ameriprise$21,010,361 +3.0%83.9
State Auto$10,243,521+2.6%93.9
Kemper$7,125,841+4.1%123.8
Titan$9,912,218+3.1%263.8
Hartford$43,954,567+3.4%484.0
USAA$476,654,759+2.9%94.5
Horace Mann$15,719,994 +3.5%143.9
Home State County$21,854,032 +3.8%313.7
Allstate Indemnity Company$32,340,768+4.1%163.8

Fines for Driving without Insurance

  • $150 to $450 first offense

  • Suspension of license

  • Suspension of registration

  • Requirement to file an SR-22

If you have multiple offense of driving without insurance in the state of Texas you can get up to 180 days in jail.

Instead of worrying about fines or penalties all you have to do is enter your five digit zip code and get quotes from top insurance companies, such as Progressive, Geico, and Travelers. It is better to have piece of mind than to worry if you are going to be pulled over without a cheap car insurance plan.

This website supplies all the tools you need to find the lowest possible car insurance rates in less then eight minutes. And the best part is you can get as many car insurance quotes you want for free, have your insurance quote emailed to you, ask for the broker to call you back when convenient, or chat with an agent while you are online comparing quotes.

Average Rate by City in Texas

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Abilene$1,823117,063Bayside$1,611325Corpus Christi$1,865305,215Huntsville$1,75438,548
Addison$1,84413,056Baytown$1,76371,802Denton$1,887113,383Ingleside$1,7699,387
Alamo$1,85218,862Beaumont$1,933118,296Duncanville$1,71138,524Jasper$1,8617,590
Allen$1,76318,353Bedford$1,94346,979Edinburg$1,83277,100Killeen$1,893127,921
Angleton$1,88718,862Brownsville $1,978175,023El Campo$1,76111,602Laredo$1,897236,091
Arlington$1,944365,438Bryan $1,95176,201Flower Mound$1,72364,669Lewisville$1,89195,290
Austin$2,076931,820Burnet$1,8085,987Frisco$1,895116,989Lufkin$1,75135,067
Balch Springs$1,95423,728Carrollton$2,132119,097Grand Prairie$1,941175,396McKinney$1,861131,117
Bayou Vista$1,7651,537Cedar Hill$1,96545,028Greenville$2,00425,557Mesquite$1,769139,824
Bay City$1,84317,614College Station$1,94593,857Harlingen$1,95464,849Odessa$1,89299,940

Dallas, TX

Cheapest insurance firms in Dallas, TX

With more than 1.2 million residents, Dallas is one of the largest cities in the United States, and is located at the center of the Dallas-Fort Worth-Arlington metropolitan area.

It is home to many Fortune 500 companies, including Halliburton, Southwest Airlines, and Texas Instruments. Founded by John Neely Bryan in 1841, today it is a center for arts and culture. Dallas offers museums, the performing arts, and more. Some of Dallas’ more notable museums include, Dallas Arboretum, Children’s Museum, Frontiers of Flight Museum, and the Dallas Museum of Art.

The city has an extraordinary number of amusement and water parks, ranches, wildlife centers, and other outdoor activities which bring thousands of visitors each year.

Residents of Dallas can find cheap car insurance if they get quotes from GEICO, Texas Farm Bureau, and State Farm. Each at $1,411, $1,487, and $1,490 respectfully for a 30 year old driver. This is 29% lower than the average insurance rate of nearly $2,000 per year.

Progressive and Nationwide are well below the “mean” rate clustering just under $1,600 per year. For a 45 year old driver we found the lowest rates are offered by GEICO at $1,008 per year for full coverage. This is nearly 50% lower than the average rate of Dallas.

Texas Farm Bureau and State Farm are worth getting quotes from since both are well below the average rate. A family of 4 should get quotes from all insurers illustrated for maximum savings and optimum coverage. Each insurer will independently find a quote which is tailored to a family’s needs.

Dallas CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
GEICO$1,411$1,008
Texas Farm Bureau$1,487$1,032
State Farm$1,490$1,090
Progressive$1,564$1,122
Nationwide$1,587$1,143
Mercury$1,688$1,156
Allstate$1,690$1,189
Farmers$1,754$1,214
American Family $1,888$1,356

Houston, TX

Inexpensive insurers in Houston, Texas

Houston is a huge city with nearly 2.5 million residents and currently the 4th largest city in the United States. Houston was founded by two New York real estate promoters, John Kirby Allen and Augustus Chapman Allen, who purchased the land in 1836 and founded a town named after Sam Houston.

The city was incorporated in 1837 and was the capital of the Republic of Texas until early 1839, when the capital was moved to Austin. Houston is a vibrant and rich center for arts and culture attracting enthusiasts from all over the world each year.

Some of the most impressive museums in the world are in Houston which include, Bayou Bend, Children’s Museum of Houston, Contemporary Arts Museum Houston, Museum of Fine Arts, Museum of Natural Science, and the Holocaust Museum. Some of the “Must See” attractions in Houston include:

  • The Art Car Parade and Festival which happens every spring along the Allen Parkway and Buffalo Bayou

  • Bayou Place, great restaurants, theaters, and concerts, all under one roof

  • The Buffalo Bayou Promenade, a promenade stretching from Bagby Street (near the Bayou Place entertainment complex) to Sabine Street

  • The Houston Livestock Show and Rodeo, the largest livestock exposition in the world

  • NASA’s Johnson Space Center

Getting cheap auto insurance is easy for residents if they know where to look. The cheapest carriers we queried are Progressive, Texas Farm Bureau, and GEICO. Each at $1,411, $1,423, and $1,476 respectfully. In our list of top 5 fora 30 year old driver includes Mercury at $1,534. This is more than 25% lower than the average rate of $2,090 in Houston.

A 45 year old driver can find affordable car insurance with Progressive, Texas Farm Bureau, and GEICO. Each of them clustered under the $1,100 mark. This is over 35% lower than the “mean” rate. State Farm, Mercury, and Nationwide are not far behind with quotes below the $1,200 mark.

A family of 4 should consider getting quotes from all 5 insurance firms illustrated. Farmers and American Family are higher than other insurers we queried, but well below the average rate. Therefore both should be considered when looking for a premium for optimum coverage at a low cost.

Houston CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$1,411$1,007
Texas Farm Bureau$1,423$1,043
GEICO$1,476$1,078
State Farm$1,490$1,132
Mercury$1,534$1,163
Nationwide$1,590$1,178
Allstate$1,611$1,190
Farmers$1,654$1,216
American Family $1,782$1,289

Austin, TX

Affordable premium rates in Austin, TX

Austin has nearly 1 million residents and is considered the live music capital of the world which boasts over a hundred live music venues. Sixth Street is a famous destination for nightspots. Austin was founded as the village of Waterloo in 1837. Waterloo was chosen to become the capital of the Republic of Texas in 1839. At that time, its name was changed to Austin to honor Stephen F. Austin, the “father of Texas”. 

Austin offers gardens, museums, the performing arts, and more. Some of Austin’s more notable gardens and museums include, Lady Bird Johnson Wildflower Center, Lyndon Baines Johnson Library and Museum, Texas Memorial Museum, Umlauf Sculpture Garden and Museum, and the Zilker Botanical Gardens.

Some of Austin’s “must see” attractions include:

  • Austin City Limits, the longest-running music show on television

  • Austin is home to North America’s largest urban bat population

  • The Lyndon Baines Johnson Library and Museum

  • The Texas State Capitol

The average car insurance rate for Austin is over $2,000 per year. We queried top carriers and found quotes 40% lower on average. At the top of the list is Texas Farm Bureau, GEICO, and Progressive. Each at $1,232, $1,267, and $1,267 respectfully for a 30 year old driver. State Farm and Mercury are under the $1,400 mark which is nearly 30% lower than the average rate.

For a 45 year old driver we found two car insurance firms under $1,000 – GEICO and Texas Farm Bureau. Progressive and State Farm are not far behind clustering under the $1,100 mark. A family of 4 should be able to find affordable insurance rate for any of the 10 carriers we queried. All of them landing at least 16% lower than then “mean” rate of Austin.

Austin CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Texas Farm Bureau$1,232$932
GEICO$1,267$987
Progressive$1,267$1,009
State Farm$1,345$1,076
Mercury$1,378$1,103
Nationwide$1,427$1,143
Allstate$1,487$1,176
Farmers$1,505$1,213
American Family $1,550$1,214

San Antonio, TX

Cheapest rates in San Antonio, TX

With nearly 1.5 million residents San Antonio has become a tourist hub of Texas. The famed RiverWalk (Paseo Del Rio) takes visitors along 3 miles of cool shady pathways lined with unique quaint shops, cafes, restaurants, and nightclubs. During holiday period, the RiverWalk undergoes a wonderful transformation, becoming an impressive light festival. Of course the most famous attraction is The Alamo. Located on beautifully landscaped grounds in the heart of the city, the attraction includes a museum containing relics and mementos from the Republic of Texas and narration chronicling the fall of the Alamo.

Other top attractions include, San Antonio Zoo, SeaWorld San Antonio, Six Flags Fiesta Texas, Buckhorn Saloon & Museum, Casa Navarro State Historical Park, and the Japanese Tea Gardens.

Getting cheap auto insurance for residents of San Antonio is pretty easy if you get quotes from Progressive, Texas Farm Bureau, and GEICO. Each of the carriers clustered under the $1,400 mark for a 30 year old driver. This is 25% lower than the city average of $2,000 per year. State Farm and Mercury are just over $1,500 per year for full coverage.

A 45 year old driver can find inexpensive insurance with Texas Farm Bureau, GEICO, and Progressive. Each at $1,007, $1,043, and $1,078 respectfully. Or more than 40% lower than the “mean” rate. All of the 10 carriers we queried are at least 26% lower than the “mean” rate and should be considered when trying to lower your auto premium.

San Antonio CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$1,409$1,021
Texas Farm Bureau$1,444$1,054
GEICO$1,487$1,089
State Farm$1,500$1,156
Mercury$1,532$1,167
Nationwide$1,589$1,189
Allstate$1,600$1,243
Farmers$1,698$1,267
American Family $1,743$1,330

El Paso, TX

Showing cheap insurers in El Paso, TX

El Paso is the 6th largest city in the state of Texas with nearly 700,000 residents. The comfortably dry heat of the El Paso sun allows outdoor recreation throughout the year.

El Paso is known for wonderful and breathtaking golf courses, including highly-acclaimed Painted Dunes. Outdoor enthusiasts hop across the New Mexico border for hiking, hunting and/or fishing. There is a charming blend of American and Mexican cultures and El Paso offers most anything the biggest cities have to offer throughout the United States.

El Paso’s average auto insurance rates are high compared to the U.S. average hovering at $2,100 per year. We found the top 5 illustrated are 25% lower than then average rate. If want the cheapest rates start with Progressive since we were offered a quote at $1,423 for a 30 year old driver with decent driving history. Texas Farm Bureau and State Farm offered similar, but a little higher, quote at $1,441 and $1,465 respectfully. GEICO and Mercury clustered near the $1,500 mark for a 30 year old.

A 45 year old driver can find the same low rates with Progressive, Texas Farm Bureau, and State Farm. With each clustering at $1,050 mark for a 45 year old. Although during our queries for El Paso Progressive was the cheapest, this doesn’t mean not to get quotes from the others down the list illustrated in the table and/or chart.

El Paso CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$1,423$1,034
Texas Farm Bureau$1,441$1,056
State Farm$1,465$1,087
GEICO$1,490$1,093
Mercury$1,501$1,132
Nationwide$1,556$1,176
Allstate$1,604$1,206
Farmers$1,645$1,254
American Family $1,708$1,290

Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
333 Guadalupe St, Austin, TX 78701
(800) 578-4677
1009 Court St, Newton, TX 75966
(409) 379-4681
1925 E Belt Line Rd #100, Carrollton, TX 75006

(972) 478-5200
WebsiteWebsiteWebsite
Sources

https://www.safeauto.com/state-insurance/texas-auto-insurance

https://www.allstate.com/auto-insurance/texas-auto-insurance-coverages.aspx

https://www.thesimpledollar.com/best-car-insurance-in-texas/

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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