Texas Car Insurance [Rates + Cheap Coverage Guide]

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Texas Statistics SummaryDetails
Road MilesTotal In State: 313,596
Vehicle Miles Driven: 258,122 Million
VehiclesRegistered in State: 21,477,692
Total Stolen: 67,485
State Population (Current Estimate)28,701,845
Most Popular VehicleFord F150
Percent of Uninsured Motorists14.10%
State Rank: 16th
Total Driving Related Deaths2008-2017
Speeding Fatalities: 1,029
Drunk Driving Fatalities: 1,468
Average Annual PremiumsLiability: $528.75
Collision: $374.49
Comprehensive: $206.42
Cheapest ProviderUSAA

There are many things that make a Texan smile every day, including barbecue, high school football, and cowboy boots. However, driving isn’t one of them. Did you ask why?

As per a new study, Houston, Dallas, Austin, and San Antonio are in the list of America’s most congested cities. On  average, Houstonians spent 50 hours sitting idle in traffic!

Since there’s a massive population driving on those roads which increases the risk of accidents, knowing about the car insurance laws of your state and getting the right coverage would make your life peaceful. We really can’t do anything about traffic congestion in your city, however, we can enlighten you with a ton of information on car insurance.

Let’s get started with an in-depth car insurance guide for you. Start comparing car insurance rates now using our FREE online tool above.

Table of Contents

Texas Car Insurance Coverage and Rates

The premium that you pay to your insurer is calculated after taking into account many factors that might involve your age, marital status, driving record, your car’s make & model, the number of miles you drive, etc. If you don’t research the market for car insurance companies, you might end up buying an expensive policy or coverage that’s insufficient for you.

Don’t worry, we are experts in the field of auto insurance and have compiled a list of things to know before buying car insurance in Texas.

First and foremost, you must know about the minimum coverage requirements in your state. In Texas, it’s illegal to drive without insurance and you have to maintain coverage at all times.

Minimum Car Insurance Requirements in Texas

The laws in Texas require motorists to purchase minimum liability coverage of 30/60/25 to pay off any medical expenses or property damage cost to the other party in the event of an accident.

What do these coverage numbers mean?

  • Medical expenses for personal injuries: Your policy should cover the other party’s personal injury expenses to the extent of $30,000 per person, with an overall limit of $60,000 per accident.
  • Property Damage Expenses: In addition, the insurance policy should cover property damage costs up to  $25,000 per accident.

Do remember: The minimum state requirement coverage wouldn’t pay for your own personal injury expenses and property damage costs. Since Texas is an at-fault state, motorists have to pay damages to the other driver who wasn’t responsible for causing the accident.

You can also watch this short three-minute video to understand the minimum coverage requirements in Texas.

Please note: You should also consider adding collision and medical payments coverage to your policy so that your insurer settles the damages to your car or personal injury expenses if you’re the at-fault party in an accident.

Required Forms of Financial Responsibility in Texas

If a motorist is involved in an accident, they become financially responsible for covering the damages caused as a result of the accident. By the state laws, if you buy a liability coverage in Texas, you can establish financial responsibility.

Texas follows a combination of tort and no-fault laws, which means if you’re the at fault party in an accident, you automatically become responsible to pay the financial cost of personal injury and property damage.

Apart from buying minimum liability coverage of 30/60/25, motorists in Texas have other options to prove financial responsibility. Always remember that the state-mandated minimum coverage wouldn’t be sufficient to pay for damages if you’re involved in a major accident.

Other forms of financial responsibility:

  • A deposit of at least $55,000 as cashier’s check or cash to be held with a country judge
  • A self-insurance certificate from the Texas Department of Public Safety
  • A surety bond

These are some of the other alternatives to a car insurance policy in Texas. However, you can never estimate the financial costs that you may have to bear in case you’re involved in an accident, hence buying an insurance policy is more beneficial than the options mentioned above.

– Premiums as Percentage of Income in Texas

In 2014, the monthly per capita disposable personal income in Texas was approximately $3,424 while the average monthly full coverage car insurance premium was $88.85.

On an average, Texans paid around 2.59 percent of their personal disposable income for car insurance premiums which was a little higher than the national average of 2.37 percent.

If you have a less-than-perfect driving record or you wish to buy additional coverage for your car, you might have to shell out more money for car insurance premiums in Texas.

– Core Car Insurance Premiums in Texas

Core Car Insurance Coverage in Texas

 

The above image would give you an idea about how much you can expect to pay for liability, collision, and comprehensive car insurance coverage in Texas. Usually, the premiums for liability coverage are on the higher side, followed by collision and comprehensive coverage.

Now, you must be wondering what is a collision and comprehensive coverage and why do you need it?

Since your state law requires you to buy only the minimum liability coverage, you might not completely understand the significance of buying a collision or comprehensive coverage. But, those play an equally important role in paying off damages.

Collision coverage pays for the cost of damage to your car when it collides with an object, such as a guardrail, building or another vehicle. Comprehensive coverage, on the other hand, covers the damages to your car caused by hailstorms, hurricanes, floods, earthquakes, etc.

As per the Hurricane Research Division, Texas has witnessed the maximum number of hurricane landfalls after Florida on the US mainland during the 1851-2017 period.

Hurricane Hits on US mainland

Image source: CNN

Since Texas is exposed to the Gulf of Mexico coastline, it’s prone to hurricanes, and while you may not live in the coastal areas, your city/county might be impacted by heavy winds and tornadoes.

We are focusing on these facts so that you’re aware of the risks in your area and buy car insurance coverage accordingly. After a bad storm, nobody likes to hear from their insurer that damages from natural causes aren’t covered in the policy.

In case, you would like to know more about the different types of insurance coverage, you can watch this quick four-minute video for a better understanding.

–  Additional Liability Coverage in Texas

Loss Ratio201520142013
Personal Injury Protection63.51%63.10%64.43%
Medical Payments64.37%72.93%64.31%
Uninsured/Underinsured Motorist70.62%67.04%64.26%
In the previous section, we talked about liability, collision, and comprehensive coverage. If you’re the at-fault party in an accident, none of these components of an insurance policy would cover the cost of your personal injury. How would you pay for your medical expenses in an accident then?
Let’s find that out!
Medical payments and personal injury protection coverage: The law in Texas allows motorists to buy medical payments or personal injury protection with their insurance policy since Texas is an add-on state when it comes to no-fault laws.
An add-on state for no-fault law means that motorists are not required to buy first-party coverage, however, they have the option to choose medical payments or personal injury protection as an additional coverage to pay for their own damages if the at-fault party is unable to do so.
This type of coverage pays for your medical/other expenses irrespective of who was at fault. As medical payments coverage is limited to your medical expenses, you can choose personal injury protection to get coverage on a wide range of expenses such as medical, psychiatric care, compensation for lost wages, etc.
Do note that these coverages aren’t recommended just for bad drivers who tend to be the at-fault party in most of the accidents.
You would be surprised to know how many motorists in your state are uninsured or underinsured. Though it’s illegal to drive without an insurance policy in Texas, there are some motorists who just manage to do that.
In 2015, around 14.1 percent motorists were uninsured in Texas, which made the lone star state number 16th in the list of US states with estimated percentage of uninsured motorists.
In such situations, an uninsured/underinsured motorist coverage would pay for damages sustained in an accident as the at-fault party is either uninsured or underinsured.

– Add-ons, Endorsements, and Riders in Texas

Other than the basic liability and personal injury protection coverage, there are certain add-ons which reimburse the cost of repairs or damages in specific situations. You might want to take a look at these to rule out any major financial outlay in the future.

– Car Insurance Rates by Demographics in Texas

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$3,564.65$3,599.14$3,520.01$3,520.01$9,359.61$11,309.20$4,410.14$4,599.76
The Gen Automobile Ins Co Inc$2,918.37$3,249.14$2,712.68$3,109.48$7,713.17$10,116.84$4,191.50$4,782.23
Geico County Mutual Ins Co.$2,433.73$2,622.73$2,340.42$2,649.67$5,298.09$5,502.21$2,632.39$2,627.86
Nationwide CCMIC$2,430.55$2,473.88$2,146.15$2,275.09$6,856.66$8,817.88$2,851.87$3,088.49
Progressive Cty Mtl$2,496.28$2,372.24$2,219.05$2,262.84$10,406.29$11,607.15$2,956.93$2,997.99
State Farm Mutual Auto$2,020.71$2,020.71$1,797.39$1,797.39$4,814.71$6,130.76$2,195.23$2,262.71
USAA$1,594.84$1,608.07$1,522.66$1,516.79$4,423.33$4,827.05$2,125.64$2,286.61

For different age groups, you can see the premium rates for males and females. On average, the rates for males are higher than females across all age groups in Texas.

For males below 30, there’s a high probability that their insurance premiums would be higher than their female counterparts, especially in the 17-year-old category, as we can see in the table above.

But, after 30, insurance carriers look at many other factors (other than age & gender) to calculate insurance premiums and there’s a slight difference in rates between males and females.

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– Insurance Carrier Rank by Premium Rates in Texas

CompanyDemographicAverage Annual RateRank
Progressive Cty MtlSingle 17-year old male$11,607.151
Allstate F&CSingle 17-year old male$11,309.202
Progressive Cty MtlSingle 17-year old female$10,406.293
The Gen Automobile Ins Co IncSingle 17-year old male$10,116.844
Allstate F&CSingle 17-year old female$9,359.615
Nationwide CCMICSingle 17-year old male$8,817.886
The Gen Automobile Ins Co IncSingle 17-year old female$7,713.177
Nationwide CCMICSingle 17-year old female$6,856.668
State Farm Mutual AutoSingle 17-year old male$6,130.769
Geico County Mutual Ins Co.Single 17-year old male$5,502.2110
Geico County Mutual Ins Co.Single 17-year old female$5,298.0911
USAASingle 17-year old male$4,827.0512
State Farm Mutual AutoSingle 17-year old female$4,814.7113
The Gen Automobile Ins Co IncSingle 25-year old male$4,782.2314
Allstate F&CSingle 25-year old male$4,599.7615
USAASingle 17-year old female$4,423.3316
Allstate F&CSingle 25-year old female$4,410.1417
The Gen Automobile Ins Co IncSingle 25-year old female$4,191.5018
Allstate F&CMarried 35-year old male$3,599.1419
Allstate F&CMarried 35-year old female$3,564.6520
Allstate F&CMarried 60-year old female$3,520.0121
Allstate F&CMarried 60-year old male$3,520.0121
The Gen Automobile Ins Co IncMarried 35-year old male$3,249.1423
The Gen Automobile Ins Co IncMarried 60-year old male$3,109.4824
Nationwide CCMICSingle 25-year old male$3,088.4925
Progressive Cty MtlSingle 25-year old male$2,997.9926
Progressive Cty MtlSingle 25-year old female$2,956.9327
The Gen Automobile Ins Co IncMarried 35-year old female$2,918.3728
Nationwide CCMICSingle 25-year old female$2,851.8729
The Gen Automobile Ins Co IncMarried 60-year old female$2,712.6830
Geico County Mutual Ins Co.Married 60-year old male$2,649.6731
Geico County Mutual Ins Co.Single 25-year old female$2,632.3932
Geico County Mutual Ins Co.Single 25-year old male$2,627.8633
Geico County Mutual Ins Co.Married 35-year old male$2,622.7334
Progressive Cty MtlMarried 35-year old female$2,496.2835
Nationwide CCMICMarried 35-year old male$2,473.8836
Geico County Mutual Ins Co.Married 35-year old female$2,433.7337
Nationwide CCMICMarried 35-year old female$2,430.5538
Progressive Cty MtlMarried 35-year old male$2,372.2439
Geico County Mutual Ins Co.Married 60-year old female$2,340.4240
USAASingle 25-year old male$2,286.6141
Nationwide CCMICMarried 60-year old male$2,275.0942
Progressive Cty MtlMarried 60-year old male$2,262.8443
State Farm Mutual AutoSingle 25-year old male$2,262.7144
Progressive Cty MtlMarried 60-year old female$2,219.0545
State Farm Mutual AutoSingle 25-year old female$2,195.2346
Nationwide CCMICMarried 60-year old female$2,146.1547
USAASingle 25-year old female$2,125.6448
State Farm Mutual AutoMarried 35-year old female$2,020.7149
State Farm Mutual AutoMarried 35-year old male$2,020.7149
State Farm Mutual AutoMarried 60-year old female$1,797.3951
State Farm Mutual AutoMarried 60-year old male$1,797.3951
USAAMarried 35-year old male$1,608.0753
USAAMarried 35-year old female$1,594.8454
USAAMarried 60-year old female$1,522.6655
USAAMarried 60-year old male$1,516.7956

– Most Expensive/Least Expensive Zip Codes by Premium Rates in Texas

Want to know how much insurance carriers are charging by zip code? Below are the most expensive zip codes in Texas.

25 Most Expensive Zip CodesCityAverage by Zip CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
78049LAREDO$5,538.80American Family$11,340.83Progressive$7,300.88USAA$2,748.03State Farm$3,078.58
78599WESLACO$5,452.78American Family$11,340.83Allstate$6,223.28State Farm$2,972.86USAA$3,185.94
77036HOUSTON$5,430.22American Family$9,058.31Allstate$7,237.52USAA$3,028.85State Farm$3,600.90
77033HOUSTON$5,271.84American Family$8,080.72Allstate$7,297.35USAA$3,021.85State Farm$3,649.74
77072HOUSTON$5,247.11American Family$9,024.11Allstate$6,217.03USAA$3,028.85State Farm$3,485.64
75207DALLAS$5,225.75Allstate$7,664.33Progressive$7,367.34USAA$2,935.83State Farm$3,620.92
77053HOUSTON$5,188.07American Family$8,091.63Allstate$7,155.33USAA$3,035.35State Farm$3,538.37
77060HOUSTON$5,173.49American Family$7,251.55Allstate$6,756.97USAA$3,031.86State Farm$3,941.98
77067HOUSTON$5,166.35American Family$7,397.64Allstate$7,135.70USAA$3,031.86State Farm$3,965.58
77076HOUSTON$5,164.01Allstate$7,297.35American Family$6,965.79USAA$3,007.16State Farm$3,863.19
77091HOUSTON$5,162.46Allstate$7,297.35American Family$6,976.94USAA$3,155.30State Farm$3,768.48
77078HOUSTON$5,154.98Allstate$7,352.64American Family$7,217.59USAA$3,158.70State Farm$3,763.05
75242DALLAS$5,150.98Allstate$7,822.46Progressive$7,730.91USAA$3,035.63GEICO$3,508.43
79430LUBBOCK$5,143.23American Family$11,340.83Progressive$7,300.88USAA$2,679.39State Farm$2,898.28
77037HOUSTON$5,141.92Allstate$7,292.85American Family$6,534.37USAA$3,031.86State Farm$3,803.26
77022HOUSTON$5,115.43Allstate$7,297.35American Family$6,978.54USAA$3,007.16State Farm$3,906.52
77039HOUSTON$5,115.40American Family$7,325.25Allstate$6,770.35USAA$3,007.16State Farm$3,857.41
77081HOUSTON$5,113.05American Family$7,787.38Allstate$7,121.41USAA$3,179.07State Farm$3,384.26
77088HOUSTON$5,111.68American Family$8,232.62Allstate$6,585.55USAA$3,155.30State Farm$3,823.85
77016HOUSTON$5,108.01Allstate$7,352.64American Family$6,981.03USAA$3,007.16State Farm$3,777.08
77028HOUSTON$5,107.10Allstate$7,664.33American Family$6,909.53USAA$3,158.70State Farm$3,494.20
77093HOUSTON$5,104.27Allstate$7,286.61American Family$6,716.86USAA$3,158.70State Farm$3,838.99
77026HOUSTON$5,098.02Allstate$7,352.64American Family$7,017.25USAA$3,158.70State Farm$4,012.27
77050HOUSTON$5,097.68Allstate$7,306.24American Family$6,677.08USAA$3,007.16State Farm$3,762.08
75210DALLAS$5,095.76Allstate$7,664.33American Family$7,286.10USAA$3,025.08State Farm$3,565.59

The city of Laredo has the most expensive zip code. Now let’s see which cities have the cheapest zip codes.

25 Least Expensive Zip CodesCityAverage by Zip CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
76901SAN ANGELO$3,157.68Allstate$4,542.85American Family$3,786.57USAA$2,191.07State Farm$2,428.78
76904SAN ANGELO$3,158.56Allstate$4,542.85Progressive$3,809.41USAA$2,074.47State Farm$2,401.91
76939KNICKERBOCKER$3,209.72Allstate$4,542.85American Family$3,866.31USAA$2,086.49State Farm$2,422.19
76306WICHITA FALLS$3,210.65Allstate$4,736.95American Family$3,838.60USAA$1,891.48State Farm$2,518.20
76909SAN ANGELO$3,224.21Allstate$4,542.85Progressive$3,954.71USAA$2,074.47State Farm$2,422.19
76502TEMPLE$3,260.31Allstate$4,841.18American Family$3,890.07USAA$2,228.61GEICO$2,679.10
76886VERIBEST$3,267.18Allstate$4,926.00American Family$3,815.43USAA$2,191.07State Farm$2,422.19
76798WACO$3,267.20Allstate$5,137.52Progressive$3,902.02Nationwide$2,326.70USAA$2,345.00
76712WOODWAY$3,268.96Allstate$5,153.61Progressive$4,103.39Nationwide$2,245.76USAA$2,276.47
76908GOODFELLOW AFB$3,281.51Allstate$4,542.85American Family$3,972.20USAA$2,074.47State Farm$2,437.99
75110CORSICANA$3,285.30Allstate$4,920.59Progressive$3,748.30USAA$2,189.79GEICO$2,551.76
76354BURKBURNETT$3,293.59Allstate$4,898.60American Family$3,869.85USAA$2,065.82State Farm$2,533.62
76543KILLEEN$3,306.33Allstate$4,929.48American Family$4,125.00USAA$2,227.94State Farm$2,673.85
76309WICHITA FALLS$3,315.43Allstate$4,816.42American Family$4,292.15USAA$2,065.82GEICO$2,530.78
76706WACO$3,320.96Allstate$5,137.52American Family$4,044.42Nationwide$2,326.70USAA$2,345.00
76905SAN ANGELO$3,322.35Allstate$4,926.00Progressive$4,180.44USAA$2,091.54State Farm$2,389.41
76903SAN ANGELO$3,331.83Allstate$4,799.16American Family$4,047.69USAA$2,187.37State Farm$2,424.89
76957WALL$3,332.11Allstate$4,542.85Progressive$3,999.84USAA$2,191.07State Farm$2,422.19
76513BELTON$3,334.52Allstate$5,137.52American Family$3,792.42USAA$2,184.73State Farm$2,632.49
76564PENDLETON$3,336.13Allstate$5,114.28American Family$3,910.53USAA$2,199.69State Farm$2,658.77
76710WACO$3,337.22Allstate$5,128.65American Family$3,865.74USAA$2,276.47GEICO$2,681.32
76711WACO$3,347.58Allstate$5,153.61Progressive$3,857.42USAA$2,276.47GEICO$2,690.25
77881WELLBORN$3,347.60Allstate$4,860.77Progressive$3,942.06USAA$2,198.68State Farm$2,671.94
76311SHEPPARD AFB$3,351.07Allstate$4,975.86American Family$4,243.10USAA$1,891.48GEICO$2,530.78
76310WICHITA FALLS$3,351.57Allstate$4,952.60American Family$4,289.31USAA$2,065.82State Farm$2,480.04

– Most Expensive/Least Expensive Cities by Premium Rates in Texas

Now that we’ve looked at zip codes, let’s see which cities are the most expensive.

Top 10 Most Expensive CitiesAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Weslaco$5,452.78American Family$11,340.83Allstate$6,223.28State Farm$2,972.86USAA$3,185.94
Texhoma$5,290.29American Family$11,340.83Progressive$7,937.62USAA$2,417.11State Farm$2,464.41
Aldine$5,143.60American Family$7,037.06Allstate$6,940.06USAA$3,023.62State Farm$3,867.55
Cockrell Hill$4,805.29Allstate$6,750.75American Family$6,361.56USAA$2,898.46State Farm$3,728.37
North Houston$4,799.60Progressive$7,300.88Allstate$6,438.51USAA$2,760.28State Farm$3,348.79
Houston$4,770.73American Family$6,846.57Allstate$6,514.79USAA$2,931.67State Farm$3,466.09
Garciasville$4,762.95Progressive$7,172.16Allstate$6,903.43State Farm$2,719.54USAA$2,891.85
South Houston$4,748.61Allstate$6,493.81American Family$6,132.67USAA$3,023.90State Farm$3,338.51
Galena Park$4,739.02Allstate$6,493.81American Family$6,255.89USAA$3,163.52State Farm$3,389.03
Linn$4,726.10Progressive$6,965.34Allstate$6,148.71State Farm$3,080.73USAA$3,185.94

While Laredo had the most expensive zip code, it is not among the top ten most expensive cities.

Top 10 Least Expensive CitiesAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Grape Creek$3,157.68Allstate$4,542.85American Family$3,786.57USAA$2,191.07State Farm$2,428.78
Knickerbocker$3,209.72Allstate$4,542.85American Family$3,866.31USAA$2,086.49State Farm$2,422.19
San Angelo$3,259.24Allstate$4,702.71Progressive$3,992.96USAA$2,106.96State Farm$2,409.60
Veribest$3,267.18Allstate$4,926.00American Family$3,815.43USAA$2,191.07State Farm$2,422.19
Goodfellow AFB$3,281.51Allstate$4,542.85American Family$3,972.20USAA$2,074.47State Farm$2,437.99
Burkburnett$3,293.59Allstate$4,898.60American Family$3,869.85USAA$2,065.82State Farm$2,533.62
Robinson$3,320.96Allstate$5,137.52American Family$4,044.42Nationwide$2,326.70USAA$2,345.00
Wall$3,332.11Allstate$4,542.85Progressive$3,999.84USAA$2,191.07State Farm$2,422.19
Belton$3,334.52Allstate$5,137.52American Family$3,792.42USAA$2,184.73State Farm$2,632.49
Pendleton$3,336.13Allstate$5,114.28American Family$3,910.53USAA$2,199.69State Farm$2,658.77

Best Car Insurance Companies in Texas

There are some insurance companies that charge exorbitant premiums whereas there are others who charge a fraction of that amount, assuming that you keep all factors for premium calculations constant.

Which one should you choose? And, what factors should you consider before buying an insurance policy?

Should premium rates be the determining factor in your decision-making process? Or, should you consider financial ratings and customer reviews of your insurance carrier?

We have answers to all those queries and much more in the section ahead!

– Financial Ratings of Leading Insurance Carriers in Texas

Insurance CompanyA.M. Best Rating
State Farm GroupA++
GeicoA++
Allstate Insurance GroupA+
Progressive GroupA+
Farmers Insurance GroupA
USAA GroupA++
Liberty Mutual GroupA
Texas Farm Bureau Mutual GroupA
Consumers County Mutual Insurance CoNR
Nationwide Corp GroupA+

Every insurance company is rated by credit rating agencies which assess the long-term financial viability of an insurer so that they are able to meet their obligations with respect to claim settlement.

We are using AM Best ratings to give you an idea about the creditworthiness of the insurance providers in Texas, as it’s one of the first companies to evaluate the credit quality of institutions in America.

When it comes to claim settlement, having coverage from a reliable and creditworthy insurance company helps in faster responses and settlement of claims.

– Car Insurance Companies with Best Customer Ratings in Texas

Communication in the digital era happens at supersonic speed. If you’re not satisfied with an insurance provider, you would immediately tweet about it or send a WhatsApp message to most of your friends.

A recent study found that negetive reviews sway almost 86 percent of the customers. Also, a majority (90 percent) of the respondents said that their purchase decision was influenced by positive reviews of a specific brand.

Customer service and engagement has become a focal point of most of the insurance companies these days because that’s what differentiates them from the others in the market.

And, before making a purchase decision, you must look at the customer ratings of insurance providers as market research companies use every parameter available to gauge the satisfaction levels among consumers.

Customer Satisfaction Study in Auto Insurance (Texas)

As per the study by J.D. Power in 2018, Texas Farm Bureau was the highest-ranked brand amongst auto insurance companies in Texas. J.D. Power’ study assessed customer satisfaction on five factors; interaction, policy offerings, price, billing process & policy information, and claims.

The insurance practice business consultant at the firm, Robert Lajdziak, also noted that “Cost is not the sole indicator of customer satisfaction in the auto insurance industry. Low prices may attract new customers, but it’s service that keeps them. The auto insurers that increase customer satisfaction across all facets of the customer experience make price just one part of the overall relationship.

Efforts made by insurance companies, especially in improving interactions through digital channels, has enhanced the overall level of customer satisfaction.

– Customer Complaints Data of Leading Insurers in Texas

Insurance CompanyNumber of Complaints (2017)
State Farm Group1482
Geico333
Allstate Insurance Group163
Progressive Group120
Farmers Insurance Group0
USAA Group296
Liberty Mutual Group222
Texas Farm Bureau Mutual Group3
Consumers County Mutual Insurance Co5
Nationwide Corp Group25

Now that you have seen the financial ratings and customer satisfaction reviews of insurance companies in Texas, you should also know about the number of complaints against these companies.

Even though some companies manage to get an excellent financial rating, their complaints data tell another story. A high number of complaints mean that customers aren’t satisfied with the overall services of an insurer, irrespective of its ability to settle claims.

We can see that Texas Farm Bureau Mutual Group has a negligible number of complaints and also bagged the trophy for highest customer satisfaction in the J.D. Power study.

– Premium Rates of Insurance Companies in Texas

After sharing details of leading insurance providers, their ratings, customer reviews, and complaints data, it’s time to take a look at the premiums offered by different providers in Texas. For many consumers, premium rates are the determining factor behind their purchase decision.

CompanyAverage Annual PremiumsCompared to State Average (+/-)Percentage Change (+/-)
Allstate F&C$5,485.32$1,556.9828.38%
The Gen Automobile Ins Co Inc$4,849.18$920.8418.99%
Geico County Mutual Ins Co.$3,263.39-$664.95-20.38%
Nationwide CCMIC$3,867.57-$60.77-1.57%
Progressive Cty Mtl$4,664.85$736.5115.79%
State Farm Mutual Auto$2,879.95-$1,048.39-36.40%
USAA$2,488.12-$1,440.22-57.88%

– Insurance Premiums by Commute Rate in Texas

Insurance CompanyCommute And Annual MileageAnnual Average Premiums
Allstate25 miles commute. 12000 annual mileage.$5,616.53
Allstate10 miles commute. 6000 annual mileage.$5,354.10
American Family10 miles commute. 6000 annual mileage.$4,849.18
American Family25 miles commute. 12000 annual mileage.$4,849.18
Progressive10 miles commute. 6000 annual mileage.$4,664.85
Progressive25 miles commute. 12000 annual mileage.$4,664.85
Nationwide10 miles commute. 6000 annual mileage.$3,867.57
Nationwide25 miles commute. 12000 annual mileage.$3,867.57
Geico25 miles commute. 12000 annual mileage.$3,325.50
Geico10 miles commute. 6000 annual mileage.$3,201.27
State Farm10 miles commute. 6000 annual mileage.$2,879.95
State Farm25 miles commute. 12000 annual mileage.$2,879.95
USAA25 miles commute. 12000 annual mileage.$2,519.83
USAA10 miles commute. 6000 annual mileage.$2,456.42

While in Texas the premium rates offered by most of the insurance providers do not vary significantly depending on annual mileage, it’s always a good idea to check for low mileage discounts when you’re seeking quotes.

Since different people have different needs, the miles they drive on a daily basis usually makes them more/less vulnerable to risks on the road.

If you drive less than 10,000 miles, you’re less prone to accidents on the road because of low exposure to traffic. Hence, it’s recommended to accurately estimate your annual mileage for a cheaper quote.

Another way to reduce your premiums is usage-based insurance wherein your insurer would install a telematics device in your car and calculate premiums based on your driving behavior.

– Insurance Premiums by Different Coverage Levels in Texas

Insurance CompanyCoverage TypeAnnual Average Premiums
AllstateHigh$5,655.81
AllstateMedium$5,438.89
AllstateLow$5,361.24
American FamilyHigh$5,357.52
ProgressiveHigh$4,920.90
American FamilyMedium$4,672.73
ProgressiveMedium$4,642.33
American FamilyLow$4,517.27
ProgressiveLow$4,431.31
NationwideLow$4,165.19
NationwideHigh$3,736.52
NationwideMedium$3,701.00
GeicoHigh$3,477.68
GeicoMedium$3,221.75
GeicoLow$3,090.73
State FarmHigh$3,039.86
State FarmMedium$2,870.49
State FarmLow$2,729.50
USAAHigh$2,582.94
USAAMedium$2,477.96
USAALow$2,403.46

– Insurance Premiums by Credit History in Texas

Do you want to know how much your credit history impacts your insurance premiums?

Insurance CompanyCredit HistoryAnnual Average Premiums
AllstatePoor$6,977.11
AllstateFair$5,107.95
AllstateGood$4,370.89
GeicoPoor$5,036.40
GeicoFair$2,851.60
GeicoGood$1,902.16
NationwidePoor$4,644.64
NationwideFair$3,722.88
NationwideGood$3,235.20
ProgressivePoor$5,256.57
ProgressiveFair$4,536.59
ProgressiveGood$4,201.38
American FamilyPoor$6,669.84
American FamilyFair$4,205.41
American FamilyGood$3,672.27
State FarmPoor$4,077.51
State FarmFair$2,538.85
State FarmGood$2,023.50
USAAPoor$3,658.82
USAAFair$2,109.52
USAAGood$1,696.02

Data shows that insurance carriers significantly raise the premium rates if motorists have a poor credit rating. Those with a good credit history are charged much lower premiums than those who have a fair and poor credit history.

As per the State of Credit survey in 2017, the average vantage score for Texas was 656, which is amongst the top 10 states with the lowest vantage scores. Texas also tops the list of states with the highest average late payment rate.

Vantage score is consumer credit scoring system that rates the debt paying ability of consumers in the range of 300 to 850, and was developed in the year 2006 as a competition of FICO.

– Car Insurance Premiums by Driving Record in Texas

Insurance CompanyDriving RecordAnnual Average Premiums
AllstateWith 1 DUI$6,837.95
AllstateWith 1 accident$6,562.28
AllstateWith 1 speeding violation$4,270.52
AllstateClean record$4,270.52
NationwideWith 1 DUI$4,977.19
NationwideWith 1 accident$3,351.99
NationwideWith 1 speeding violation$3,789.11
NationwideClean record$3,351.99
American FamilyWith 1 DUI$4,931.37
American FamilyWith 1 accident$5,627.66
American FamilyWith 1 speeding violation$4,418.84
American FamilyClean record$4,418.84
ProgressiveWith 1 DUI$4,753.00
ProgressiveWith 1 accident$5,258.36
ProgressiveWith 1 speeding violation$4,581.27
ProgressiveClean record$4,066.74
GeicoWith 1 DUI$3,061.96
GeicoWith 1 accident$3,651.43
GeicoWith 1 speeding violation$3,570.55
GeicoClean record$2,769.60
State FarmWith 1 DUI$3,462.47
State FarmWith 1 accident$2,934.63
State FarmWith 1 speeding violation$2,561.35
State FarmClean record$2,561.35
USAAWith 1 DUI$3,224.03
USAAWith 1 accident$2,737.39
USAAWith 1 speeding violation$2,132.96
USAAClean record$1,858.11

Driving under the influence (of alcohol or other substances) is considered more grave than accidents and speeding violations, and those with DUI records are penalized with higher premiums.

In the year 2016, Texas witnessed the highest number of fatalities resulting from alcohol-impaired driving with the death toll reaching at 1,438.

Alcohol-impaired driving can also lead to serious injuries that might prolong for life, hence motorists should refrain from driving under the influence altogether.

– Leading Car Insurance Companies in Texas

Insurance CompanyDirect Written PremiumsLoss RatioMarket Share
State Farm Group$3,563,12078.29%16.83%
Geico$2,637,48988.18%12.46%
Allstate Insurance Group$2,362,58466.19%11.16%
Progressive Group$2,041,34568.91%9.64%
Farmers Insurance Group$1,842,73566.07%8.70%
USAA Group$1,712,94988.30%8.09%
Liberty Mutual Group$1,195,73583.96%5.65%
Texas Farm Bureau Mutual Group$693,00477.31%3.27%
Consumers County Mutual Insurance Co$541,82586.45%2.56%
Nationwide Corp Group$473,34265.53%2.24%

– Number of Car Insurance Companies in Texas

Type of InsurerNumber of Insurers
Domestic199
Foreign937

Laws in Texas

State laws considerably influence auto insurance requirements in every state as the state determines the minimum amount of liability coverage, insurer rates approval, tort laws, etc.

Knowing about the laws related to your car insurance would help you make a more informed decision in buying coverage. It also can help you in seeking discounts or optional coverage to meet your needs.

– Car Insurance Laws in Texas

At times, you might wonder why car insurance is mandatory in your state, especially when you have to pay high premiums?

The mandatory law was established more than a century ago when people started getting involved in car accidents, some of whom were unable to pay the financial cost incurred in the process.

The main purpose of car insurance laws was to protect everyone driving on the roads. Without the collective pool of premiums, it would be impossible for individuals to bear the financial cost of personal injury and property damage in fatal crashes.

Let’s look at some of the car insurance laws in place today.

– Windshield Coverage Laws in Texas

If you regularly drive on unpaved roads or pass through terrains where there’s a high probability of getting hit by cobbles and pebbles on the windshield, you should know the windshield coverage laws in your state.

In Texas, there aren’t any laws specific to windshields, however, repairs are allowed from any vendor provided the material used is of similar quality.

Do make sure that you ask your insurer about coverage in your policy as windshield replacement can cost a lot, depending on the car.

– High-Risk Insurance in Texas

When states establish laws to protect motorists/pedestrians on the road, they also have to create separate rules for high-risk drivers who have a history of bad driving behavior.

A motorist is considered a high-risk driver if they have been involved in multiple accidents/speeding violations. When an insurer realises that a person’s driving behavior may cause significant cost outlay in future, they label these drivers as high-risk.

Because of their driving behavior, high-risk drivers are at times ineligible to obtain car insurance from the traditional market. To offer coverage to these drivers, the state has established a program for them, known as the Texas Automobile Insurance Plan Association (TAIPA).

Who’s eligible for this program?

Motorists in Texas who can prove that they were denied insurance coverage by at least two carriers within a period of 60 days can apply for coverage under TAIPA.

How does the Texas Automobile Insurance Plan Association work?

The TAIPA operates like an association wherein member companies licensed to do business in Texas form part of a pool that would provide coverage. Motorists who are accepted in the program are placed in that pool and are allocated an insurer according to the annual quota of insurers.

How is the annual quota decided?

To keep the process fair and avoid undue burden on any insurance company, each insurer has to offer coverage to a specific percentage of high-risk drivers depending on their market share in Texas.

Though the TAIPA program is a boon for high-risk drivers, the rates tend to be on the higher side for basic coverage and enables motorists to meet the state minimum liability requirement only. Recently, the rates were revised for both personal and commercial auto insurance.

– Automobile Insurance Fraud in Texas

Motorists buy coverage with the hope that, in the unfortunate event of an accident, the repair and injury costs would be settled by their insurance company. However, there are some motorists who try to find a loophole in the system to make some quick money and commit insurance fraud.

In 2017, the Texas fraud unit received 7,756 reports of motor vehicle insurance fraud which accounted for around 61.52 percent of the overall insurance fraud reports.

The data indicates that motor vehicle insurance fraud is quite rampant in Texas. That’s why there’s a penalty on insurance fraud, which increases with the value claimed.

  • When the claim amount is less than $50: Anything lower than $50 is considered a “Class C” misdemeanor, carrying a fine of $500.
  • When the claim amount is more than $200,000: As the value is high, the penalty is also severe with fines up to $10,000 and/or jail time of five to 99 years.

Let’s look at some of the most common types of auto insurance fraud:

  • Staging an accident or car theft with the motive to get money from insurance claim settlement
  • Claiming a higher amount than the cost of repair after an accident from the insurer
  • Sharing incorrect residential address information with the insurer to get a cheaper premium quote

Beware: On the other end of the spectrum, you can also be scammed after an accident. Here’s a short video on how to avoid scams post a crash.

– Statute of Limitations in Texas

The statute of limitations defines a time limit from the date of an accident to bring a lawsuit against the at-fault party. Beyond this limit, the state law wouldn’t allow you to go to the court with your grievance.

In Texas, you have two years from the time of the accident to file a lawsuit for both personal injury and property damage.

– Texas Lemon Law

We are happy to inform you that if you have been facing repeated problems with your newly purchased or leased car, the Texas Lemon Law offers a redressal system for its replacement or repair.

Which vehicles are eligible under this law?

If you have bought or leased a new motor vehicle which has developed a defect causing continuous problems in its use, then you can apply for relief under the law, provided you have given the manufacturer reasonable opportunity to repair the defect.

Please note: You have to submit a $35 fee with the Lemon Law complaint form.

– Vehicle Licensing Laws in Texas

To get a cheap premium quote, you must have an impeccable driving record. And, to maintain a good driving record, you have to follow the licensing laws in your state so that you don’t receive any tickets.

– Penalties for Driving without Car Insurance in Texas

Auto insurance is expensive, but if you happen to be involved in an accident, the financial costs of personal injury and property damage can burn a deep hole in your pocket. Despite that fact, some motorists tend to avoid buying insurance coverage.

Driving without an insurance policy poses an extremely serious threat to others on the road, and the state of Texas has established TexasSure program to initiate automatic verification of insurance.

TexasSure is a motor vehicle inurance verification program that allows law enforcement officers to access a central database that connects vehicle license plate, VIN number, and the liability insurance policy. Law officers can easily verify whether you have coverage now.

In Texas, around 20 percent of the motorists are driving without any insurance coverage. To reduce the number of uninsured motorists on roads, Texas levies heavy penalty.

First Offense: When you’re caught without insurance for the first time, you would be fined in the range of $175 to $350. In addition, you would have to pay an additional surcharge of $250 annually towards your driver’s license fee for the next three years.

Subsequent Offenses: For repeat offenders, the fines can range from $350 to $1,000 along with the chance of license revocation and vehicle impoundment.

– Teen Driver Laws in Texas

When it comes to premium rates, teenagers have to pay the maximum because of the obvious risks involved with their driving behavior. On top of that, if teens get involved in accidents or speeding violations, their premiums increase further.

As teenagers, it’s important to closely keep a track of driving laws in your state.

Learner’s License: To be eligible for a learner’s permit, you must be at least 15 or older. A permit is issued to only those who satisfactorily complete the classroom phase of a driver’s education course.

RestrictionDetails
Mandatory Holding Period6 months
Supervised Driving Time30 hours, with at least 10 hours of nighttime driving
Required TestsDriver's knowledge test, vision test and a sign recognition test

Provisional/Intermediate License: Teens can apply for a provisional license if they have satisfied the requirements under the learner’s permit.

RestrictionDetails
Nighttime RestrictionsMidnight to 5 a.m, unless accompanied with a parent/guardian
Passenger RestrictionsOne person at a time under 21 who isn't a family member
Required TestsRoad test and certified driver's education course

Unrestricted License: At 18, teens who have successfully held a provisional license can apply for a full license.

To ensure that your children follow the law, you can write a Texas Parent-Teen Driving Agreement. This agreement outlines specific rules that teens need to follow while driving as well as the consequences of anything on the contrary.

– Driver License Renewal Procedure in Texas

Renewing your driving license as per the renewal cycle of your state would save you unnecessary hassles with law enforcement since you aren’t allowed to drive with an expired license.

In Texas, you have to renew your license every six years if you’re aged between 18-84. For residents older than 84, you’re required to renew your license every two years.

Texans can renew their license within a year before it’s supposed to expire and up to two years after the expiration of the license. However, if two years have elapsed since expiration, you aren’t eligible for renewal and have to apply for a new license.

Renewing your license every six years might seem like a big task to you, but the state of Texas has made the renewal procedure quite smooth.

Renewals by phone, mail, or online: If you’re below 79, you can renew your license by phone, mail, or online. Drivers under 18 and older than 79 are required to renew their licenses in person at a Texas DPS office.

Let’s look at the license renewal fee in Texas.

AgeFee
Below 18$6
Between 18 to 84$25
Above 85$9

– Rules of the Road in Texas

If you want to keep your auto premiums low, you need to abide by the rules of the road so that you can avoid tickets, speeding violations, and accidents.

Don’t worry, we aren’t asking you to take out the driver’s handbook. In this section, we are listing the basic rules you need to follow on the road.

– Fault vs No-Fault

Texas follows the tort law according to which insurance companies try to find at fault party in the event of an accident before providing coverage.

In an at-fault state, if you’re involved in an accident caused by the other party, you would be compensated for personal injury and property damage costs by their insurer.

– Seat Belt Laws in Texas

Do you know that seat belts can improve the chance of survival by 50 percent in the event of a fatal crash?

The law in Texas requires drivers and all passengers of a motor vehicle to wear seat belts, failing which they might be fined in the range of $25-$250.

– Car Seat Laws for Children in Texas

Safety of children is of paramount importance on the road as they are incapable of protecting themselves in a crash. That’s why children are required to be buckled up in a car seat for maximum protection.

Let’s look at the guidelines for child seats.

PhaseGuideline
Birth-2 yearsAll children below the age of two are required to ride inside a rear-facing seat
2-4 yearsOnce the child turns two, he/she can ride in a forward facing seat as long as recommended by the seat manufacturer (check for weight & height labels on the seat)
4-10 yearsChildren can ride in a booster seat once they are 4 years old and weigh 40+ pounds
Beyond 10 yearsOnce children outgrow their booster seat (around 10-12 years old), they are allowed to use the adult safety belt, provided it fits them perfectly

– Move Over Laws in Texas

The law requires motorists to reduce their speed if they’re approaching a stationary emergency vehicle (which includes Texas DMV vehicles and tow trucks) and vacate the lane next to the stationary vehicle.

– Speed Limits in Texas

The maximum posted limits of rural and urban interstates in Texas is 75 mph, however, some segments of highways have a speed limit of 80 or 85 mph — the fastest highway in America.

We took a look at the NHSTA statistics from 2005-2010 for fatal crashes in the counties where this highway is before the change, and tallied up the totals.

Here are the most recent available stats for Texas driving fatalities by county before the new 85 mph highway in Texas:

TX CountyTravisCaldwellGuadalupeTotals
201078158101
2009951218125
200892913114
2007941216122
2006103312118
580

Now compare that to the most recent data below.

What do higher speed limits mean?

Only one thing can be sure: accidents at higher speeds will cause greater damage, and the chances of surviving an accident decrease as the traveling speed goes up.

Cars just aren’t built to withstand crashes upwards of 90 miles per hour.

When traveling at such high speeds, drivers have just a split second to make quick decisions (especially with wild hogs roaming the area). It is important to maintain safe following distances, and adjust your speed according to the visibility conditions.

– Ridesharing Laws in Texas

In 2017, the state of Texas established statewide standards through House Bill 100 for ridesharing companies as there were clashes over local ordinances that varied from city to city.

The new ordinance aims to protect the interest of riders and requires drivers to undergo criminal background checks annually, carry the minimum auto insurance coverage and be barred from driving if found on the sex offenders registry.

The mandatory liability insurance for these motor vehicles is $1 million to cover expenses from bodily injury and property damage in total for each incident, while the vehicle is engaged for a ride.

– Automation on the Road in Texas

The state of Texas is making efforts to be ahead of everyone in the autonomous vehicles arena. Apart from allowing full deployment of automated vehicles, state officials are also forming a Connected and Autonomous Vehicle (CAV) Task Force for testing self-driving cars.

– Safety Laws in Texas

Multitasking isn’t easy and even more so when you are distracted by way of texting/talking on the phone or under the influence of alcohol/marijuana. The ill effects of alcohol consumption or excessive usage of mobile phones is a topic in itself, but here we would focus on the safety laws in Texas.

– DUI Laws in Texas

In the state of Texas, the official term for driving after the consumption of alcohol is DWI or driving while intoxicated.

The law prohibits driving a motor vehicle with a blood alcohol level (BAC) of .08 percent or more. Commercial drivers (including school bus drivers) are considered drunk when their BAC is more than .04 percent.

Beware: Drivers under the age of 21 aren’t allowed to drive a motor vehicle with any trace of alcohol in their system. Texas has a zero tolerance policy for underage drinking and driving.

Texas penalizes heavily for DWI and the fines/jail time increases with the number of offenses.

  • First Offense: First-time offenders can be fined up to $2,000 and face the possibility of jail time from three days to six months as well. In addition, their license can also be suspended for a period of up to 12 months.
  • Second Offense: If you’re caught the second time, you may be fined up to $4,000 and face jail time from a month to a year. You can also lose your driver’s license for up to two years.
  • Third Offense: For a third time, the fines increase substantially to $10,000 and you would have to spend time in prison for a period of two to 10 years. Also, you might lose driving rights for up to two years.

– Distracted Driving Laws in Texas

Although driving while talking or texting on a hand-held phone is less dangerous than DWI, it still distracts you from the road and might lead to accidents.

Cellphone usage law: The state of Texas has imposed a texting ban for all motorists while driving. The use of hand-held phones is completely banned for drivers under the age of 18, and adults aren’t allowed to use cellphones around school zones during school time.

Texas Can’t-Miss Facts

With the end of the previous section, we know that you have learned about the car insurance laws of your state in detail. We are sure that the information provided above would help you in getting the right insurance coverage.

Now, we just want to share some facts about Texas related to the most popular vehicle for theft, fatality rates, commute rates of different cities, etc.

– Vehicle Theft in Texas

RankMake and ModelYear of VehicleThefts
1Ford Pickup (Full Size)20067,897
2Chevrolet Pickup (Full Size)20046,158
3Dodge Pickup (Full Size)20042,898
4Honda Accord19971,626
5GMC Pickup (Full Size)20151,450
6Honda Civic20001,371
7Chevrolet Tahoe20041,148
8Toyota Camry20141,030
9Nissan Altima2012957
10Chevrolet Impala2007898

You can also search for the number of vehicle thefts in your city using the following table.

CityMotor
vehicle
theft
Abernathy0
Abilene254
Addison62
Alamo81
Alamo Heights5
Alice43
Allen50
Alton33
Alvarado10
Alvin38
Amarillo695
Andrews27
Angleton16
Anna5
Anson0
Anthony2
Aransas Pass21
Arcola8
Argyle2
Arlington940
Arp0
Atlanta4
Aubrey1
Austin2,169
Azle19
Baird0
Balch Springs136
Balcones Heights30
Ballinger2
Bangs2
Bastrop32
Bay City9
Bayou Vista0
Baytown364
Beaumont283
Bedford66
Bee Cave4
Beeville15
Bellaire12
Bellmead43
Bellville4
Belton8
Benbrook30
Bertram0
Beverly Hills6
Big Sandy0
Big Spring51
Bishop1
Blanco0
Blue Mound2
Boerne19
Bogata4
Bonham4
Borger43
Bovina0
Bowie8
Brady3
Brazoria6
Breckenridge5
Brenham12
Bridge City4
Brookshire7
Brookside Village1
Brownfield7
Brownsville257
Brownwood26
Bryan89
Buda14
Bullard1
Bulverde2
Burkburnett8
Burleson55
Burnet8
Cactus4
Caddo Mills4
Caldwell2
Calvert1
Cameron1
Canyon7
Carrollton206
Carthage12
Castle Hills9
Castroville1
Cedar Hill70
Cedar Park28
Celina1
Center13
Chillicothe1
Cibolo8
Cisco3
Clarksville1
Cleburne43
Cleveland46
Clifton0
Clint1
Clyde2
Cockrell Hill12
Coleman4
College Station48
Colleyville4
Collinsville0
Colorado City3
Columbus7
Comanche0
Combes3
Commerce13
Conroe105
Converse23
Coppell30
Copperas Cove21
Corinth13
Corpus Christi487
Corrigan3
Corsicana27
Crandall5
Crane2
Crockett5
Crosbyton0
Crowell0
Crowley15
Cuero5
Cumby3
Daingerfield2
Dalhart4
Dallas7,384
Dalworthington Gardens10
Danbury0
Dayton27
Decatur14
De Kalb3
De Leon1
Del Rio17
Denison53
Denton102
Denver City7
Desoto78
Diboll1
Dickinson40
Dilley5
Dimmitt11
Donna74
Double Oak1
Driscoll0
Dublin3
Dumas15
Duncanville144
Eagle Pass11
Early0
Eastland4
East Mountain1
Edcouch1
Edinburg255
Edna2
El Campo9
Electra2
Elgin11
El Paso794
Elsa16
Ennis22
Euless139
Everman9
Fairfield2
Fair Oaks Ranch2
Falfurrias0
Farmers Branch106
Farmersville4
Farwell1
Ferris4
Flatonia2
Florence0
Floresville14
Flower Mound21
Floydada2
Forney33
Fort Stockton6
Fort Worth2,399
Frankston1
Fredericksburg3
Freeport24
Freer2
Friendswood17
Friona1
Frisco58
Fulton2
Gainesville59
Galena Park27
Galveston189
Garden Ridge0
Garland647
Gatesville13
Georgetown32
Giddings3
Gilmer11
Gladewater18
Glenn Heights13
Godley0
Gonzales5
Gorman2
Graham14
Granbury13
Grand Prairie590
Grand Saline0
Granger0
Granite Shoals9
Grapeland0
Grapevine102
Greenville65
Gregory3
Groesbeck3
Groves29
Gun Barrel City15
Hale Center1
Hallettsville4
Hallsville2
Haltom City121
Hamlin2
Harker Heights37
Harlingen76
Haskell1
Hawkins4
Hawley2
Hearne2
Heath1
Hedwig Village14
Helotes3
Hemphill4
Hempstead13
Henderson25
Hereford18
Hewitt7
Hickory Creek9
Highland Park11
Highland Village1
Hill Country Village3
Hillsboro11
Hitchcock23
Hollywood Park1
Hondo6
Hooks1
Horizon City20
Horseshoe Bay6
Houston13,595
Howe2
Hubbard2
Hudson0
Hughes Springs1
Humble112
Huntington2
Huntsville39
Hurst56
Hutchins28
Hutto5
Idalou1
Ingleside21
Ingram2
Iowa Park1
Irving594
Jacksboro3
Jacksonville12
Jamaica Beach0
Jarrell1
Jasper1
Jefferson2
Jersey Village16
Johnson City0
Jones Creek0
Jonestown1
Joshua8
Jourdanton0
Junction0
Karnes City1
Katy29
Kaufman7
Keene6
Keller2
Kenedy3
Kennedale20
Kermit6
Kerrville24
Kilgore34
Killeen206
Kingsville24
Kirby20
Kirbyville3
Kountze1
Kress0
Kyle32
Lacy-Lakeview14
La Feria0
Lago Vista0
La Grange7
La Grulla0
Laguna Vista2
La Joya0
Lake Dallas12
Lake Jackson19
Lakeside2
Lakeview, Harris County3
Lakeway10
Lake Worth16
La Marque51
Lamesa20
Lampasas6
Lancaster152
La Porte43
Laredo372
La Vernia0
La Villa1
Lavon0
League City56
Leander15
Leon Valley65
Levelland24
Lewisville299
Lexington0
Liberty14
Lindale9
Linden1
Little Elm13
Littlefield3
Live Oak52
Livingston10
Llano5
Lockhart12
Lone Star2
Longview200
Lorena2
Lorenzo0
Los Fresnos5
Lubbock846
Luling5
Lumberton5
Lyford4
Lytle4
Madisonville9
Magnolia3
Malakoff5
Manor5
Mansfield49
Manvel12
Marble Falls9
Marlin3
Marshall44
Martindale1
Mathis6
McAllen236
McGregor2
McKinney129
Meadows Place10
Melissa4
Memorial Villages6
Memphis2
Mercedes41
Meridian0
Merkel2
Mesquite766
Mexia3
Midland164
Midlothian16
Mineola3
Mineral Wells41
Mission177
Missouri City76
Monahans1
Mont Belvieu25
Montgomery1
Morgans Point Resort0
Moulton0
Mount Pleasant20
Muleshoe2
Munday1
Murphy0
Mustang Ridge2
Nacogdoches41
Naples1
Nash3
Nassau Bay6
Navasota23
Nederland32
Needville1
New Boston7
New Braunfels129
Nocona3
Nolanville0
Northlake3
North Richland Hills78
Oak Ridge0
Odessa463
O'Donnell2
Olmos Park4
Olney1
Olton0
Omaha1
Onalaska6
Orange42
Orange Grove0
Overton1
Ovilla1
Oyster Creek4
Paducah0
Palacios7
Palestine49
Palmer0
Palmhurst1
Palm Valley1
Palmview17
Pampa38
Panhandle1
Pantego3
Paris39
Parker0
Pasadena510
Pearland100
Pearsall3
Pecos9
Penitas7
Perryton12
Pflugerville31
Pharr120
Pilot Point2
Pittsburg4
Plainview25
Plano256
Pleasanton33
Ponder0
Port Aransas38
Port Arthur127
Port Isabel5
Portland12
Port Neches20
Poteet10
Poth2
Pottsboro2
Premont1
Presidio1
Primera2
Princeton7
Progreso7
Prosper3
Queen City1
Quitman3
Ralls0
Rancho Viejo0
Ranger5
Ransom Canyon0
Raymondville6
Red Oak23
Refugio1
Reno0
Richardson151
Richland Hills23
Richmond13
Riesel0
Rio Grande City47
Rio Hondo0
River Oaks6
Roanoke8
Robinson7
Robstown17
Rockdale6
Rockport23
Rockwall63
Rollingwood0
Roma22
Roman Forest1
Roscoe0
Rosenberg47
Round Rock45
Rowlett37
Royse City7
Runaway Bay0
Sabinal0
Sachse10
Salado0
San Angelo185
San Antonio6,577
San Augustine3
San Diego0
Sanger13
San Juan58
San Marcos149
San Saba2
Sansom Park Village13
Santa Anna1
Santa Fe20
Santa Rosa3
Schertz23
Schulenburg4
Seabrook15
Seagoville73
Seagraves4
Sealy4
Seguin26
Selma24
Seminole7
Seven Points3
Seymour2
Shallowater0
Shamrock2
Shavano Park1
Shenandoah11
Sherman46
Silsbee5
Sinton11
Slaton1
Smithville2
Snyder21
Socorro46
Somerset6
Sonora2
Sour Lake2
South Houston175
Southlake13
Southmayd4
South Padre Island21
Southside Place0
Spearman1
Splendora3
Springtown3
Spring Valley6
Spur1
Stafford79
Stagecoach0
Stamford6
Stanton1
Stephenville18
Stratford0
Sugar Land46
Sullivan City0
Sulphur Springs10
Sunrise Beach Village0
Sunset Valley0
Sweeny2
Sweetwater25
Taft3
Tatum1
Taylor7
Terrell43
Terrell Hills5
Texarkana105
Texas City93
The Colony35
Thorndale1
Thrall0
Three Rivers2
Tioga0
Tomball24
Tool3
Trinity4
Trophy Club4
Troy1
Tulia0
Tye2
Tyler180
Universal City33
University Park17
Uvalde20
Valley Mills0
Van0
Van Alstyne2
Venus2
Vernon21
Victoria64
Vidor47
Waco163
Waelder0
Wake Village1
Waller4
Wallis3
Watauga20
Waxahachie41
Weatherford22
Webster61
Weimar1
Weslaco117
West1
West Columbia3
West Orange8
Westover Hills1
West Tawakoni0
Westworth6
Wharton13
Whitehouse7
White Oak3
Whitesboro3
White Settlement38
Whitewright3
Whitney0
Wichita Falls286
Willow Park4
Wills Point1
Wilmer11
Windcrest18
Wink0
Winnsboro3
Winters1
Wolfforth1
Woodbranch0
Woodville0
Woodway2
Wortham2
Wylie18
Yoakum7
Yorktown1

– Dangers on the Road in Texas

Despite how safely we drive on the roads, there would be some reckless driving by others leading to fatal crashes. In the next section, we would look at the crash data by city and the reasons behind it.

– Fatal Crashes by Weather Condition in Texas

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1,3166649309483,012
Rain91538590238
Snow/Sleet9010010
Other1718324071
Unknown3030612
TOTAL1,4367351,051107143,343

– Traffic Fatalities by Road Type in Texas

Road Type2008200920102011201220132014201520162017
Rural1,7611,6521,4621,4641,6961,6631,7801,6221,5901,504
Urban1,6291,4371,5461,5821,7111,7261,7501,9482,2052,205
Unknown861515810612213
Total3,4763,1043,0233,0543,4083,3893,5363,5823,7973,722

– Fatalities by Person Type in Texas

Person Type20132014201520162017
Passenger Car1,0671,1371,1711,2191,252
Light Truck - Pickup606693626636588
Light Truck - Utility441480483441457
Light Truck - Van9587888764
Light Truck - Other111118
Large Truck111114100109129
Bus72171016
Other/Unknown Occupants2321232731
Total Occupants2,3512,5352,5092,5402,545
Total Motorcyclists493451452495490
Pedestrian480479549675607
Bicyclist and Other Cyclist4850526559
Other/Unknown Nonoccupants1721202221
Total Nonoccupants545550621762687
Total3,3893,5363,5823,7973,722

– Fatalities by Crash Type in Texas

Crash Type20132014201520162017
Total Fatalities (All Crashes)3,3893,5363,5823,7973,722
Single Vehicle1,8151,9131,8481,9821,914
Involving a Large Truck535553567558649
Involving Speeding1,1811,2771,1251,0761,029
Involving a Rollover1,0111,0919831,020942
Involving a Roadway Departure1,8361,9121,8001,8601,832
Involving an Intersection (or Intersection Related)668667709719724

– Fatalities Trend for the Top 10 Counties of Texas

RankTexas Counties by 2017 Ranking20132014201520162017
1Harris County369417391447456
2Dallas County225238259315282
3Tarrant County144145157167180
4Bexar County189184189226164
5Travis County11295145120120
6Collin County4147375068
7Hidalgo County6565677560
8El Paso County6066628158
9Bell County3634404257
10Montgomery County5153607654
Total1,3261,3581,4451,6141,499

– DWI Arrests in Texas

AgeArrests (2016)Rank
Under 1842134
18 years and older67,95031

The number of alcohol-impaired driving arrests is on the higher side in Texas, especially for adults older than 18. Another number to be concerned about is the fatality rate per 100,000 people in Texas, which is much higher at 1.9 than the national average of 1.2.

– EMS Response Time in Texas

Type of RoadTime of Crash to EMS
Notification (in minutes)
EMS Notification to
EMS Arrival (in minutes)
EMS Arrival at Scene
to Hospital Arrival (in minutes)
Time of Crash to Hospital
Arrival (in minutes)
Urban4.478.1727.4238.65
Rural10.9316.2843.2263.38

– Transportation in Texas

Do you ever think about why there’s so much traffic congestion on the road while you’re going to the office? Because around 80 percent of the population in Texas prefers to drive alone!

Yes, you aren’t the only one who likes solitude.

– Car Ownership in Texas

Car Ownership in Texas

The large majority of the population in Texas owns two cars, followed by three cars. The bar chart shows the comparison of car ownership in Texas with the national average, where the orange bars indicate data for Texas.

– Commute Time in Texas

Commute Time in Texas

The average commute time for workers in Texas is around 25.2 minutes which is close to the national average of 25.3 minutes.

– Commuter Transportation in Texas

Commuter Transportation in Texas

Most of the people in Texas prefer to drive alone to work, followed by around 10 percent of people who carpool to their office.

– Top Cities with the Most Traffic Congestion in Texas

CitiesTraffic IndexTime Spent in Traffic (in minutes)Inefficiency Index
Houston208.5442.21242.95
Dallas171.9036.14213.89
Austin166.9835.07242.86
San Antonio130.7529.19127.51

If you live in these four cities in Texas, you would have to spend close to 30-40 minutes stuck in traffic on an average.

The traffic index means the composite index of commute to work, CO2 consumption while in traffic, dissatisfaction during time consumption, and the overall inefficiency. Inefficiency index is an estimation of the inefficiencies of traffic in a city.

Now it’s time to get the best coverage for you. Start comparison shopping today using our FREE online tool. Enter your zip code below to get started!

References:

  1. https://www.chron.com/news/houston-traffic/article/most-congested-cities-not-Houston-INRIX-12558340.php#photo-14087463
  2. https://www.hg.org/legal-articles/what-is-the-difference-between-no-fault-and-at-fault-insurance-states-35152
  3. https://www.tdi.texas.gov/pubs/consumer/cb020.html#rates
  4. https://www.dictionary.com/browse/disposable-personal-income
  5. https://www.aoml.noaa.gov/hrd/tcfaq/E19.html
  6. https://edition.cnn.com/2017/09/11/us/hurricanes-landfall-by-state-trnd/index.html
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  8. https://www.jdpower.com/business/press-releases/jd-power-2018-us-auto-insurance-study
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  12. https://www.experian.com/consumer-products/vantage-score.html
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  20. http://www.businessinsurance.org/10-most-common-types-of-insurance-fraud/
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  29. http://www.iihs.org/externaldata/srdata/docs/sr4708.pdf
  30. https://www.fvflawfirm.com/new-texas-ride-sharing-law-what-you-need-to-know/
  31. https://www.govtech.com/fs/automation/Texas-Forms-Self-Driving-Car-Task-Force.html
  32. https://dui.drivinglaws.org/resources/dui-and-dwi/dui-laws-state/texas-underage-dui.htm
  33. https://www.txdot.gov/inside-txdot/division/traffic/safety/sober-safe/intoxication.html
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  35. https://datausa.io/profile/geo/texas/#category_transportation

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