Auto Insurance in Texas
Auto insurance is mandatory, but insurance costs are manageable if the rules are followed and costs are kept low. Insurance deals are obtained when drivers have a responsible history and know the applicable laws.
Texas Auto Insurance Quotes
Houston Auto Insurance
Houston is Texas' largest city and ranks as the fourth largest city in the nation. Known as the Bayou City, Houston is home to the Texas Medical Center and also the Port of Houston. Residents speak almost 100 languages.
The Museum District is a popular tourist spot that includes the Houston Museum of Natural Science, the Houston Children's Museum and the city's only zoo. Each spring rodeo-lovers descend on the city for the Houston Livestock Show and Rodeo. Space Center Houston, which is southeast of downtown, offers exhibits and tours related to NASA.
| City | Single | Married | ||||||||
| Sedan | Suv | Coupe | Truck | Hybrid | Sedan | Suv | Coupe | Truck | Hybrid | |
| Houston | $1,934.00 | $1,504.00 | $1,934.00 | $1,782.00 | $2,050.00 | $1,790.00 | $1,400.00 | $1,791.00 | $1,656.00 | $1,892.00 |
San Antonio Auto Insurance
San Antonio was named for Saint Anthony of Padua by a 1691 Spanish expedition that was sent to the area. The city has several Fortune 500 companies and many military installations. Its continuous growth has made it the seventh most populated city in the nation.
More than 20 million tourists visit the city every year with the Riverwalk being a big attraction. Among other points of interest are the Alamo and SeaWorld. The Alamo, which is located downtown, is part of the San Antonio Missions National Historical Park. It's also a UNESCO World Heritage Site.
| City | Single | Married | ||||||||
| Sedan | Suv | Coupe | Truck | Hybrid | Sedan | Suv | Coupe | Truck | Hybrid | |
| San Antonio | $1,709.00 | $1,338.00 | $1,712.00 | $1,588.00 | $1,811.00 | $1,588.00 | $1,252.00 | $1,592.00 | $1,484.00 | $1,680.00 |
Dallas Auto Insurance
Dallas, known to locals as Big D, has an economy primarily based on banking, commerce, telecommunications and energy. Dallas has more shopping centers per capita than any other city in the nation. Highland Park Village, which opened in 1931, is the second oldest shopping center in the nation.
The State Fair of Texas is a big draw to the city, as well as the Arts District. The Dallas Museum of Art, the Morton H. Meyerson Symphony Center and the Nasher Sculpture Center are part of the district. The Texas School Book Depository, which is infamous for the gunman's location in the assassination of President John F. Kennedy in 1963, is a historical museum covering the former president's life and his political achievements.
| City | Single | Married | ||||||||
| Sedan | Suv | Coupe | Truck | Hybrid | Sedan | Suv | Coupe | Truck | Hybrid | |
| Dallas | $1,902.00 | $1,482.00 | $1,909.00 | $1,762.00 | $2,018.00 | $1,765.00 | $1,383.00 | $1,773.00 | $1,642.00 | $1,870.00 |
Austin Auto Insurance
Austin is the capital of Texas and home to the University of Texas. It's had explosive growth in the last two decades making it the second largest state capital city in the United States after Phoenix. Known as "The Live Music Capital of the World," the city's unofficial slogan is "Keep Austin Weird."
Visitors come to Austin for the SXSW music, film and technology festival held each year and the Austin City Limits music festival. The Texas State Capitol complex is popular for tourists as are outdoor attractions, such as the Lady Bird Johnson Wildflower Center and Barton Springs Pool.
| City | Single | Married | ||||||||
| Sedan | Suv | Coupe | Truck | Hybrid | Sedan | Suv | Coupe | Truck | Hybrid | |
| Austin | $1,622.00 | $1,270.00 | $1,632.00 | $1,516.00 | $1,722.00 | $1,508.00 | $1,188.00 | $1,518.00 | $1,415.00 | $1,598.00 |
Fort Worth Auto Insurance
Fort Worth was known as an important trading post for cowboys at the end of the Chisholm Trail. The city is home to TCU, Texas Wesleyan, the University of North Texas Health Science Center and the school of law for Texas A&M. Fort Worth also is a major part of the Dallas-Fort Worth-Arlington metropolitan area in north Texas.
Popular tourist attractions include the cattle-themed Stockyards National Historic District, Texas Motor Speedway and the Fort Worth Zoo. Guests to the city can also check out the National Cowgirl Museum and Hall of Fame. Other museums of note include the Kimbell Art Museum and the Modern Art Museum of Fort Worth.
| City | Single | Married | ||||||||
| Sedan | Suv | Coupe | Truck | Hybrid | Sedan | Suv | Coupe | Truck | Hybrid | |
| Fort Worth | $1,644.00 | $1,286.00 | $1,652.00 | $1,530.00 | $1,742.00 | $1,528.00 | $1,202.00 | $1,536.00 | $1,428.00 | $1,616.00 |
El Paso Auto Insurance
El Paso is known as "Sun City" because the sun shines in this most western of Texas cities for more than 300 days per year. It is home several military installations, including Fort Bliss, one of the largest military complexes of the U.S. Army and the largest training area in the United States. Interestingly, El Paso is known as the only major city in Texas on Mountain Time.
Fiesta de las Flores is the oldest Hispanic Festival in the Southwest. The festival celebrates El Paso's Hispanic heritage and culture and attracts tens of thousands of visitors annually. Many tourists also visit Guadalupe Mountains National Park. There visitors can explore the highest mountain in Texas, which stands 8,749 feet tall.
| City | Single | Married | ||||||||
| Sedan | Suv | Coupe | Truck | Hybrid | Sedan | Suv | Coupe | Truck | Hybrid | |
| El Paso | $1,608.00 | $1,260.00 | $1,597.00 | $1,537.00 | $1,740.00 | $1,498.00 | $1,180.00 | $1,486.00 | $1,436.00 | $1,618.00 |
Arlington Auto Insurance
Arlington is part of the mid-cities region of the Dallas-Fort Worth-Arlington metro area. The city is home to the University of Texas at Arlington. Arlington was founded in 1876 and was named after Confederate Gen. Robert E. Lee's Arlington House in Northern Virginia.
Local attractions include Six Flags Over Texas, an amusement park, and AT&T Stadium, home to the Dallas Cowboys. The Texas Rangers baseball team is based in Arlington, too. The city is the world headquarters for bowling and is home to the International Bowling Museum and International Bowling Hall of Fame.
| City | Single | Married | ||||||||
| Sedan | Suv | Coupe | Truck | Hybrid | Sedan | Suv | Coupe | Truck | Hybrid | |
| Arlington | $1,700.00 | $1,330.00 | $1,705.00 | $1,582.00 | $1,800.00 | $1,580.00 | $1,244.00 | $1,586.00 | $1,476.00 | $1,671.00 |
Corpus Christi Auto Insurance
Corpus Christi is the eighth largest city by population in the Lone Star State. It is home to Texas A&M-Corpus Christi and Naval Air Station Corpus Christi. The name was given to the settlement and surrounding bay by Spanish explorer Alonso Álvarez de Pineda in 1519 when he discovered the bay on the Catholic feast day of Corpus Christi.
Tourists visit the Texas State Aquarium and the USS Lexington Museum on the Bay, which was part of the set for the movie Pearl Harbor. Birdwatchers descend on the city in the winter, while summer guests visit the many beaches along Texas' southern coast.
| City | Single | Married | ||||||||
| Sedan | Suv | Coupe | Truck | Hybrid | Sedan | Suv | Coupe | Truck | Hybrid | |
| Corpus Christi | $1,578.00 | $1,242.00 | $1,589.00 | $1,464.00 | $1,664.00 | $1,468.00 | $1,162.00 | $1,478.00 | $1,366.00 | $1,544.00 |
Plano Auto Insurance
Located just north of Dallas, Plano is the home to well-known corporations, such as Dr Pepper, Frito-Lay and Toyota Motors USA. Settlers suggested the name as a reference the Spanish word for "flat." It is the ninth most populous city in the Lone Star State.
Looking for outdoor activities? Try Arbor Hills Nature Preserve or the Heritage Farmstead Museum. Historic downtown Plano offers shops and restaurants. Nearby Bob Woodruff Park and Oak Point Park and Nature Preserve, meanwhile, are connected by biking trails, making the green space one large uninterrupted park for visitors and residents to enjoy year-round.
| City | Single | Married | ||||||||
| Sedan | Suv | Coupe | Truck | Hybrid | Sedan | Suv | Coupe | Truck | Hybrid | |
| Plano | $1,666.00 | $1,304.00 | $1,678.00 | $1,545.00 | $1,760.00 | $1,548.00 | $1,218.00 | $1,560.00 | $1,442.00 | $1,632.00 |
Laredo Auto Insurance
Laredo is on the north bank of the Rio Grande in South Texas, across from Nuevo Laredo, Tamaulipas, Mexico. The city was founded in 1755 and grew from a village to the largest inland port on the U.S.-Mexican border. Today, it has four international bridges and a bridge for trains.
The city's biggest festival is Washington's Birthday Celebration which draws hundreds of thousands of tourists. Guests can visit the Republic of the Rio Grande Capitol Building Museum, which was once the capitol building for the short-lived Republic of the Rio Grande. Astronomy lovers might like the Lamar Bruni Vergara Science Center Planetarium with its amazing images of the night sky.
| City | Single | Married | ||||||||
| Sedan | Suv | Coupe | Truck | Hybrid | Sedan | Suv | Coupe | Truck | Hybrid | |
| Laredo | $1,794.00 | $1,398.00 | $1,760.00 | $1,714.00 | $1,950.00 | $1,666.00 | $1,306.00 | $1,634.00 | $1,597.00 | $1,810.00 |
Texas Auto Insurance Facts
• Government-mandated insurance law. Insurance in Texas is mandatory. Drivers must have at least $30,000 worth of coverage for one person, $60,000 per injured person in an accident, and $25,000 for property damage.
• Proof of Financial Responsibility is Required at All Times. Drivers must have proof of insurance or they may be fined between $175 and $350. If the law is violated more than once, fines up to $1000 may be assessed, and the driver’s license may be suspended. The driver’s vehicle may also be impounded.
• Uninsured Vehicle Reduction Program.The number of uninsured motorists decreased when the TexasSure electronic verification program was implemented. This database links every registered vehicle with license plate number and also insurance policy number. Even though this system is in place, drivers are allowed to keep proof of insurance in the vehicle at all times.
Insurance Fraud in Texas
Insurance fraud is defined when people intentionally deceive the insurance company for financial gain. It is considered a crime in Texas. Common insurance fraud includes falsely reporting a car stolen or intentionally damaging a vehicle and collecting insurance payouts. Auto insurance fraud causes insurance companies to raise rates to compensate for monetary losses due to fraudulent claims.
A fraud conviction may include a prison sentence of several years in Texas. A fine of up to $50,000 may also be included with this sentence. In some states, the financial penalties would increase up to $100,000, and jail time would be assessed up to 15 years.
Alcohol-Related Accidents in Texas
In any given year, the number of alcohol-related accidents in Texas have equaled over 26 percent of the total number of accidents. This could equate to 1,000 accidents or more. According to some sources, Texas has more alcohol-related accidents than any other state.
Experts attribute this to the fact that residents in counties without alcohol have to drive farther from their homes to consume alcohol. This increases impaired driving. Texas is currently seeking extra federal funding to reduce the number of DWIs and DUIs.
Unique Driving Laws in Texas
In Richardson, Texas, it is illegal to do u-turns. Drivers in the area must find a place to make a proper right or left turn to get into the proper direction.
Did You Know? Unique Facts About Texas Driving
Did you know that it is illegal to drive a vehicle on Broadway before 12 P.M. on Sundays in Galveston? Drivers may be ticketed and fined for this violation.
If a horse and buggy is the preferred vehicle of choice, it cannot be driven through the town square.
Auto Insurance Center Methodology
Auto insurance quotes are for a hypothetical driver who has state minimum coverage with $500 deductibles for one vehicle. The driver is male or female, 35 years old, has good credit, a college degree, and is employed with a clean driving record, no lapse in coverage, or claims. The vehicles are driven 16,000 miles per year for commuting and are garaged on premises. The auto quotes include common discounts and are estimates, but not guaranteed.
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