Texas State Low Cost Insurance
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Company Trusted For Over 25+ Years*
Texas drivers are legally required to carry auto insurance, but affordable options exist with Texas state low cost insurance. From Houston to Austin, rates start as low as $20/month for qualified drivers. Compare up to 10 quotes in under 5 minutes with Goodtogoinsurance to find budget-friendly coverage. Start with low-down-payment insurance plans today.
Texas law mandates liability insurance to cover damages if you cause an accident. Minimum requirements include:
Liability coverage pays for the other driver’s vehicle repairs and medical expenses but not your own. For broader protection, consider full coverage options.
While not required, optional coverages enhance financial security:
Learn more about these at gap insurance details.
Texas insurance averages $1,330/year, 5% below the national average of $1,409. Costs vary by location and driver profile:
Location/Gender | Average Annual Premium |
---|---|
Dallas (Men) | $1,329 |
Dallas (Women) | $1,383 |
Statewide Average | $934 |
Factors like driving record, credit, and zip code impact rates. Explore savings with no-credit-check insurance quotes.
The Texas Department of Insurance (TDI) ensures rates are fair and non-discriminatory. Key factors include:
Contact TDI at 800-252-3439 or 333 Guadalupe, Austin, TX 78701 for rate disputes. Learn more at insurance rate factors.
Reduce premiums with discounts like:
Maximize savings with defensive driving discounts.
Carry your Texas insurance card at all times for:
Access digital proof via instant insurance verification.
Available coverages include:
Exclusions include unnamed drivers, racing, and ride-sharing. Review policies at insurance exclusions explained.
Adding teens to a parent’s policy is cheaper than separate coverage, though they’re high-risk. Save by:
Explore options at young driver insurance plans.
High-risk drivers (e.g., DUIs, accidents) face surcharges or policy cancellation. Violations like reckless driving or driving without a license increase premiums for 3 years. Find coverage with SR-22 insurance solutions.
Insurers can cancel policies after 60 days only for non-payment, fraud, or license revocation. Non-renewal requires 30 days’ notice after 12 months. Avoid coverage gaps to prevent rate hikes. Learn more at insurance grace periods.
Save with these strategies:
Start comparing at quick insurance quotes.
Texas state low cost insurance offers affordable coverage starting at $20/month. Compare quotes with Goodtogoinsurance to save up to 40% while meeting state requirements. Enter your zip code to find the best policy for your needs.
Texas requires $30,000/$60,000 bodily injury liability and $25,000 property damage liability per incident.
Rates average $934/year statewide, with Dallas at $1,329–$1,383. Qualified drivers can start at $20/month.
Compare 10+ quotes, apply discounts, choose higher deductibles, and insure low-value cars.
You face fines, license suspension, and higher future premiums. SR-22 filing may be required.