Why is car insurance rates higher in Texas?

 Car insurance in Texas may be expensive because of its highway density, rate of car thefts, high-speed limits, dense urban population, and high risk of natural disasters, increasing the risk of crashes and accidents. As a result, insurers charge higher premiums based on these risks.

Is Texas car insurance more expensive?

Car insurance is expensive in Texas. Texas’s average car insurance rate is $1,810 annually — 26.8% more than the US average. So how can I lower my car insurance in Texas?

Here are some ways to save on car insurance

1. Increase your deductible.
2. Check for discounts you qualify for.
3. Compare auto insurance quotes.
4. Maintain a good driving record.
5. Participate in a safe driving program.
6. Take a defensive driving course.
7. Explore payment options.
8. Improve your credit score.              GET A QUOTE

What city in Texas has the highest auto insurance rates?

Houston

City dwellers often pay more for car insurance because of the higher traffic density and the likelihood of accidents, unlike sparsely-populated rural areas. For example, rates in Houston, Texas’s biggest city, are the highest among the cities we analyzed, followed by Dallas, San Antonio, Fort Worth, and Austin.

What is the bare minimum car insurance in Texas?

Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage. Think about buying more liability coverage.

Did Texas increase auto insurance rates?

A spokesperson with the Insurance Council of Texas says most insured drivers will see an 8 to 10 percent increase in their premiums. TEXAS, USA — It’s a trend to cross the country — auto insurance premiums are increasing, and it’s not just the rise we typically see policy to policy.