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There are several ways to locate low cost car insurance in Texas (TX). The best, most efficient way is to look at rate quotes from several insurers who write policies in the Lone Star state. But calling insurance companies can be slow and painful, so what’s the solution? Compare rates online instantly here.
All you need to do to get started finding low cost car insurance in Texas is enter your zip above. We will then instantly connect you to the local best insurers. With dozens of insurance carriers vying for your business in Texas, there is no reason not to get quotes from three, four, or even five different companies. Our service is fast, free, and there is no obligation.
Before starting your shopping expedition, there are a few things to keep in mind. The state recently raised its liability requirements, which has made it more challenging to obtain low cost car insurance in Texas. As a driver in Texas you are now required to maintain the following minimum insurance coverage limits:
$25,000 for bodily injury liability with $50,000 maximum per accident $25,000 in property damage liability
While it’s possible to get low cost car insurance in Texas with these limits, you should think twice about maintaining low coverage. Under Texas law, you are responsible for paying any costs that are not covered by your insurance company. So if you are in an accident that results in hundreds of thousands of dollars in injuries or property damage, but you only have $25,000 in coverage, the balance will come out of your pocket. Obviously, then can get very expensive, so it’s worth it to possibly pay a bit more for your policy, but get higher limits so you are properly covered in the event of an accident.
Auto insurance in Texas has been going up recently. Texans currently shell out an average of $1,888 for their car insurance. This compares to $1,780 for the national average. Auto insurance rates jumped 14% this year over last, which following a rise of 1% the year before. With rates steadily climbing, there has never been a better time to get low cost car insurance in Texas than right now. Why wait another six or twelve months to lock in your rate when you could very well be paying less if you buy your policy now?
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