What is the Best Car Insurance in Texas?

June 28, 2022
5 min read

Are you living in the Lone Star State and looking for auto coverage? You’ve got a lot of options to consider when it comes to coverages and insurance companies. If you want to know how to pick the best car insurance in Texas, keep reading.
In this article, we’ll tell you all about:

  • The minimum insurance requirements in Texas
  • The average cost of car insurance in Texas
  • How to get discounts on your auto insurance
  • How LOOP stacks up against the other big car insurance providers in Texas
  • And why LOOP is quickly becoming the best full-coverage auto insurance in Texas

Texas Car Insurance Requirements

In the state of Texas, drivers are required to carry at minimum, liability coverage that pays for property damage or medical expenses if you are at fault in an accident. You are required to have $30,000 coverage for injuries caused per person; up to $60,000 per accident. Your liability must also cover a minimum of $25,000 for property damage resulting from an accident. You may also hear this called 30/60/25 coverage.

These are minimum coverage requirements, and they may not be enough to cover the damages if you total another person’s vehicle or are in a multi-car accident. It is always a good idea to carry more coverage if you can. Additionally, if you have a car loan, your lender may require you to have comprehensive and collision coverage, which pays for damages to your vehicle.

The Average Cost of Car Insurance in Texas

If you want cheap auto insurance in Texas, it’s important to know how the state compares to the national average. A recent analysis of rate data by Bankrate says the average cost of car insurance in Texas is $1,823 per year, $149 more than the national average. For full coverage car insurance, Texans can expect to pay around $1,900 per year.

How to Get Discounts

If you’re shopping around for the best car insurance in Texas and wish you were seeing lower rates, it is possible to get some discounts to bring your premiums down. Here are a few that you should ask an agent about.

Policy Bundling

If you have more than one policy with a carrier, or you have more than one car on an auto policy, you may qualify for a discount that saves you a premium on both policies or both cars.

Safe Driver

If you are a good driver, you will likely have lower insurance rates. Insurance companies will check your driving record and if you do not have any traffic tickets or accidents in your history, you will receive a discount on your rates. Additionally, drivers who have completed a driver’s education course could be eligible for an additional discount.

Safe Car

The type of car you drive can impact what you pay for in insurance premiums. Sports cars that go extremely fast or are made of highly damageable materials will cost more to insure than traditional sedans, as an example. If your car has built-in safety features like side airbags, cameras, brake assist, and more you could be eligible for a discount on that car’s premium.

Low Milage

If you drive 10,000 or less miles a year, you may qualify for a low-mileage discount. Since you are not on the roads as much as other drivers, you are less likely to be in an accident and may receive lower rates. Some companies may require you to plug in a device that monitors your mileage and reports it back to confirm you are driving less than the maximum number of miles allowed.

LOOP vs. The Other Guys

What is the best car insurance in Texas? We say LOOP.

LOOP is built on the idea that pricing should be fair and straightforward. While other companies base their pricing on demographic data that is out of touch and often unfair, LOOP relies on just the facts to price our policies. For added savings, you can use the LOOP app to monitor your good driving behavior and even get safety tips and recommendations to safer roads.

When it comes to coverage, LOOP offers just as much as the other guys. You can get all the standard options like bodily injury and property damage liability, comprehensive and collision coverage, personal injury protection, and medical payments coverage. Plus, LOOP offers optional coverages like roadside assistance, car rental coverage, and gap insurance for Texas drivers.

The other larger insurers in Texas certainly offer the same coverages and advertise all over the place, but you may not get as much value as you would with LOOP. Many of the main insurers' average policy premium is above the average policy price in Texas, and you won’t get the fair, unbiased pricing as you would with LOOP.

LOOP – The Best Full-Coverage Auto Insurance in Texas

So, what is it that sets LOOP apart and makes it the best full-coverage auto insurance in Texas? Innovation and commitment to building better communities. LOOP understands that traditional rating factors are biased to certain communities and is committed to fair pricing for everyone. LOOP uses technology and data so that you’re rated fairly and have all of your needs met from any mobile device.

LOOP is also a B Corporation, which means profit is not our number-one priority. LOOP meets the highest standards of social and environmental performance and has been assessed and certified as a B Corp. When you choose LOOP, you are choosing coverage from a company that truly cares about customers and the world around us.

Ride With LOOP

So, what is the best car insurance in Texas? By now you know it’s LOOP!

If you want the best value on quality coverage from an honest and ethical company, choose LOOP. Our quick and easy process will get you a quote and out on the road in no time at all. Check our prices today!

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