Texas Car Insurance

Introduction:

Texas drivers can obtain substantial savings on their car insurance premiums simply by requesting a quote online. The internet gives you the unique power to request auto insurance quotes from your home without needing to talk to a representative on the phone. In a few minutes, you can get quotes from several different insurers with no cost and no obligation on your part. All you have to do is fill out a few forms on the company's website and you will be instantly able to see how much your Texas auto insurance will cost you.

Texas rate data:

In Texas, the average cost of having one motor vehicle insured was $846.93 in 2008. In the previous year, average auto insurance costs for Texas drivers have averaged $837.40. This represents a change of 1.10 percent between the years 2007 and 2008. Figures that we collected in 2008 show that the average cost of liability coverage was $476.39, the average cost of collision coverage was $321.19 and the average cost of comprehensive coverage was $146.50.

By doing a nationwide comparison of auto insurance premiums, we can see that there were 16 states with higher insurance rates and 33 states with lower rates. This number was the same in 2007, with 16 states having higher average premiums than Texas.

By going back a few more years, we see that car insurance in 2000 cost Texas motorist an average of $677.83, with 20 states having higher premiums. In 2005, this figure was at $735.46.

Some factors that affect the cost of insurance in Texas:

• Speed limit inside city zones: 70 mph
• Speed limit on Texas highways: 75 mph
• Blood alcohol limit (%): 0.08%
• Law on open alcohol containers: Both passengers and drivers are forbidden from having open containers of alcohol in a motor vehicle.
• Hand held cell phone regulations: No statewide ban is in effect concerning use of a hand held mobile device while driving.
• Other cell phone usage regulations: Bus drivers carrying passengers under 17 years of age and prohibited from using a cell phone while driving. Holders of intermediate licenses cannot use cell phones while driving for the first 6 months.
• Period of license suspension following DUI: A first DUI or DWI offense results in suspension of the offender's drivers license for 90 days.
• Restoration of driving privileges during suspension for DUI: In special circumstances, driving privileges may be restored.

Texas auto insurance cost quick reference:

• 2008 - Average annual insurance cost: $846.93
• 2007 - Average annual insurance cost: $837.40
• 2007-2008 Change percentage: 1.10%
• 2008 - Average collision coverage cost: $321.19
• 2008 - Average liability coverage cost: $476.39
• 2008 - Average comprehensive coverage cost: $146.50
• 2008 - Nationwide premium rank: 17th