Like other states in America, you need insurance coverage to drive a car on Texas roads.
Texas has a fault approach to car insurance, meaning you’ll be responsible for damages resulting from an accident you cause.
The minimum insurance coverage under Texas law is $30,000 per injured person, with the minimum being coverage for two persons.
In other words, every driver must carry $60,000 in injury liability coverage and at least $25,000 for property damage coverage.
On average, you can expect to pay $666 yearly for minimum coverage and $1,872 for full coverage.
More About Texas Car Insurance
Insurance is a pretty broad subject. So, not many Texans have enough information before purchasing a policy, resulting in most people paying more than they should.
If you are keen on getting fair deals for your car insurance needs, cheap insurance’s in-depth guide can help you better understand how insurance works in Texas.
By understanding how auto insurance works, you will be best placed to ensure you do not pay more than you should.
What Determines the Cost of Insurance in Texas
1. Insurance Provider
Different providers have different approaches to business, which means they will offer rates that align with their policies.
Strong brand names often offer higher rates because they are assured of a significant market share based on consumer confidence in their brand.
2. Age of the Policyholder
A policyholder’s age plays a significant role in the cost of premiums, with drivers under 25 being on the receiving end.
According to statistics, drivers under 25 are more likely to cause an accident making them a risky group and thus attracting higher premiums.
3. Driving History
Insurance companies will look at a driver’s driving history to assign them a risk rating and, consequently, their insurance rates.
If a driver has a past successful at-fault claim against them, insurance companies will deem them risky, giving grounds for higher insurance rates.
If you have had a DUI conviction, your premiums can increase significantly.
Related: Things to Do in Big Bend National Park
Best Insurers in Texas
A good insurer for one person may not be good enough for another based on the circumstances of each driver.
For example, if you have been convicted of DUI, your insurance cost can…
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