Compare Auto Insurance Rates in Texas

Texas drivers are required to have minimum auto insurance coverage of at least 25/50/25, which means $25,000 minimum coverage for bodily injury with a maximum of at least $50,000 for passengers and a minimum of $25,000 in property damage liability to cover any other vehicles involved in the accident. Therefore, even for the minimum coverage – drivers living in the Lone Star state should compare insurance quotes to get the best rates. In the following information, we’ll explain how to compare auto insurance rates and the benefits of this simple process, in the state where everything lives up to the “big” hype…except for your car insurance bill.

Auto insurance rates in Texas are determined by different components such as, the garaging address of the vehicle, the type of vehicle, the driver’s age, driving record and whether the vehicle is used primarily for business or pleasure. For those who have been involved in more than one accident or received several tickets, auto insurance rates can be costly. A bad driving record increases your personal risk of getting into an accident and therefore, making a claim, which means the cost to the insurance company to insure a person with a bad driving history can be expensive. However, Texas drivers with a bad record don’t necessarily have to pay a lot for car insurance, if they shop around.

Rate comparison in the state of Texas is done according to the estimates calculated by the Texas Department of Insurance. The TDI uses the same profile information to compare rates for different companies for drivers with the exact same needs for a more accurate rate quote. The Texas Department of Insurance website determines the type of plans that the local insurance companies are more likely to sell to consumers. Texan drivers can visit the website at the TDI where they will be able to check out the free Auto Insurance Price Comparisons and receive detailed information about any discounts they may qualify for, as well. In addition to providing information about the minimum coverage in the state of Texas, the site also provides quotes for 50/100/50 and 100/300/100 coverage, as well.

Comparing car insurance rate in Texas is a simple process, which is done by entering personal information about yourself and your vehicle – rates from different companies are calculated and made available to the consumer in an easy-to-read format.

One way to compare auto insurance rates in Texas is by visiting The Guide to Comparing Texas Car Insurance Online. This simple to follow process requests the zip code where the car is parked and takes you through a quick and easy form that requests simple information about you, your vehicle and other household members who drive, as well.

Whichever website you use to compare auto insurance rates in Texas, it’s important to read the site’s privacy information in order to ensure that your personal information will be safe (and not sold to other entities). By comparing rates, in a safe way, drivers in the Lone Star state could save hundreds, even thousands of dollars a year!

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