April 24

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A Short Guide to Car Insurance in Texas

The Lone Star State is often a joy to drive in, yet the insurance rates are admittedly on the pricier side in comparison to much of the United States.

This, unfortunately, does not make it any less essential for drivers wishing to protect themselves and their wallets on their travels.

If you have just moved to Texas and need to get your coverage sorted, you’re a long-time resident looking for a change of policy, or you just want to know more about the ins and outs of insurance, here is a short guide worth checking out.

Minimum Coverage

By law, Texan drivers need to be able to cover the costs of accidents they cause, making it an ‘at fault’ state.

Without the right insurance, this can get very expensive very quickly should anything go wrong, especially if you have to pay for medical bills and costly property repairs.

Liability insurance is the minimum coverage the state requires to allow you on the road, and it needs to cover at least $30,000 per person in bodily injuries and $25,000 in property damage per accident.

Suiting Your Needs

Texas is huge, and it is home to some of the best open roads in all of the United States. Due to its size, however, there is a wealth of various environmental hazards you may encounter throughout your travels, from mighty dust storms to the relentless heat and even monsoon conditions.

Suffice to say, the minimum level of insurance may not be enough to protect you. It is worth thinking about your personal needs on the road, where you plan to be driving, and what your local driving conditions demand of your car.

This can help you select the perfect insurance for your individual situation. In this regard, looking for local insurance companies like Root Insurance that endeavor to offer their drivers fair rates based on their ability to drive responsibly is likely your best bet.

The Cost of Your Insurance

Most policies will end up being affected by the overall cost of your car, and the more expensive your automobile is, the costlier your coverage will likely be.

While this is often a huge factor in determining the final cost of your premium, it is far from the only aspect that can affect the going rate.

Other influencing factors will probably include:

  • Your previous driving history. The demonstrably safer you are as a road user, the lower your insurance costs should be.
  • Your location. Your rate can change based on where you are in Texas, and this is most noticeable in the bigger cities, particularly in Houston.
  • How much you drive. If you constantly put in the mileage, you could find that this reflects on the overall price of your insurance. This is partly because you will be spending more time on the road, which means more opportunities for accidents.

Ultimately, finding the best deal comes down to obtaining a policy that covers your personal driving needs, and by shopping around for some quotes and turning to a respected and experienced provider, netting yourself a bargain is definitely doable.


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