According to the Federal Highway Administration, Texas has the second-highest number of licenced drivers in the country, with nearly 15.9 million. The Texas Department of Transportation estimates the following 2019 Texas traffic statistics:
15,843 people were seriously injured.
In traffic accidents, 3,610 people were killed.
Over 286 billion miles were driven by motorists.
Every 56 seconds, drivers reported a crash.
If you do not have adequate car insurance coverage in Texas, you are putting your finances at risk. Minimum levels of liability coverage are required in Texas. If you cause an accident, you are legally liable for injuries and property damage.
Texas's top auto insurance companies
Allstate
Allstate agents can be found all over Texas. The agent network provides excellent customer service by identifying your local needs and providing you with a car insurance quote that best fits your budget and goals. You may also be able to save money on your premiums if you qualify for any of the car insurance discounts. Allstate's featured discounts in Texas include multiple policy and new car discounts.
Geico
Geico allows you to easily file a claim online or through its mobile app, which has 4.8 out of 5 star ratings for both the Android and Apple versions. It truly is a car insurance company for the twenty-first century, allowing most policyholders to do nearly everything they need to do online without having to pick up the phone and call a representative.Geico offers a variety of ways for Texas policyholders to save money on car insurance, including discounts for airbags, anti-theft devices, accident-free drivers, military members, and multiple policies.
Nationwide
Nationwide is an insurance company that provides a variety of coverage options in Texas, allowing you to choose the coverage that best suits your needs, budget, and goals. Customers can benefit from Nationwide's features such as "On Your Side" claims service, free insurance consultations with a licenced agent, multiple discounts, and digital resources to help them manage their policies.Texas car insurance discounts can assist you in saving money by lowering your monthly premiums. Nationwide provides multi-policy, good student, defensive driving, safe driver, anti-theft, and other discounts.
State Farm
State Farm provides a wide range of standard and optional auto insurance coverages to Texans. When your vehicle breaks down, you won't have to worry because you have emergency road service coverage. When your car is out of commission due to a covered accident, State Farm's car rental and travel expense coverage helps pay for a rental car.The State Farm mobile app is jam-packed with features, such as the ability to file a claim, view your ID card, and request roadside assistance. If you open a State Farm bank account, you can use your smartphone to make a deposit, pay bills, or transfer funds.
USAA
USAA offers a variety of auto insurance policies. Standard coverages such as liability, collision, comprehensive, and uninsured motorists coverage can be combined with optional coverages such as accident forgiveness or car replacement assistance to create a policy that meets your specific needs.
The average cost of car insurance in Texas
In Texas, drivers pay an average of $524 per year for minimum coverage and $1,823 for full coverage. Car insurance premiums in the United States range from $565 per year for minimum coverage to $1,674 per year for full coverage. Texas residents pay slightly less than the national annual average for minimum coverage but slightly more for full coverage.
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