Texas can be a pleasure cruise or a rural disaster-piece depending on where and how you commute. For truckers and commercial transportation it is one thing or another; yet for the resident commuting to and from work or recreation it can be quite hybridized. Location in the massive state of Texas is a factor. Major cities have massive interstate networks which are great for getting from both one part of the state to another, as well as, one part of the country to another. Rural parts tend to be more unkempt and must be driven with caution.
The major cities have leveled interstate networks. One example is the “High Five Interchange” in Dallas, Texas which is composed of five separate, yet interwoven, levels of networked interstates. These types of interstates provide drivers with easy access to both the cities and the multitude of small cities and towns outside the major cities’ boundaries. This makes the massive state of Texas feel connected while still maintaining its ‘Lone-Star Attitude’. It has had a reputation of being one of the worst littered states in terms of the cleanliness of its roadways. With a variety of environmental shifts (floods, tornadoes, wildfires, ect), the season and the global weather play important roles on how the transportation can be experienced. This should be taken into consideration for those looking for long term residency because insurance and driving always go hand-n-hand.
Average Auto Insurance Rates in Texas
One would think that the cities would be one thing and the lone star status average would be another, but the ranges of insurance rates are quite across the canvass in Texas. Let’s look at the state average, the major city average, and even some individual averages to get a better sense of the big picture.
*Current average annual insurance premiums in Texas: $1,602
–> $2,095 (high average) –> $1,108 (low average)
*Current average annual insurance premiums in Houston: $1,650
–> $2,100 (high average) –> $1,200 (low average)
*Current average annual insurance premiums in Austin: $1,380
–> $1,562 (high average) –> $1,086 (low average)
*Current average annual insurance premiums in San Antonio: $1,389
–> $1,696 (high average) –> $1,255 (low average)
Current average annual insurance premiums for individual cities and towns
- Santa Maria – $1,486
- Southwest – $1,591
- Fort Worth – $1,277
- Odessa – $1,226
- Arlington – $1,389
- Galveston – $1,365
- Corpus Christi – $1,331
- Del RIo – $1,284
- El Paso – $1,254
- Haskell – $1,192
Texas Minimum Auto Insurance Requirements
Texas does have many ways to gain financial stable ability to drive an automobile for those who need to have it ahead of time. Most look for the minimum requirements of liability and proceed from there. There are the minimum and then there are the most common, which is the extra coverage most seek out after acquiring the minimum.
State Minimum Requirements Coverage:
- Bodily Injury Liability: $30,000/$60,000
- Property Damage Liability: $25,000
- Uninsured Motorist Bodily Injury: Not Required
- Personal Injury Protection: Not Required
- Medical Payments: Not Required
- Comprehensive: Not Required
- Collision: Not Required
Most Common Coverage:
- Bodily Injury Liability: $25,000/$50,000
- Property Damage Liability: $25,000
- Uninsured Motorist Bodily Injury: $25,000/$50,000
- Personal Injury Protection: $2,500
- Medical Payments: $2,000
- Comprehensive: $500 deductible
- Collision: 500 deductible
In terms of the Graduated Driver Licensing in Texas, both parents and teens should be aware of the laws to assure that they have safe driving habits in the future and know how to obey the laws instilled.
- Minimum Entry Age: 15, but optimally 16
- Extended Learner Period: 16 is optimal provision
- Parent Certification: 30 hours minimal for optimal status
- Night Restriction: 9 or 10pm for optimal status
- Passenger Restriction: No teenage passengers or only one family member excepted for optimal status
- Minimum exit age and when restrictions are lifted: 17 but 18 is optimal.
There are provisions outside being optimal, however, maintaining the optimal status not only benefits the parent and the new driver but also shows how doing more than the minimum can be beneficiary for future records.
Penalties for Driving Without Insurance in Texas
Driving with no insurance in Texas has simple penalties. Immediate suspension. The only thing you can do to help the situation is file with the appropriate state agency and appeal having done all the right things within a 20 day window; and you are still going to have a fine even if it is a small one and the appeal is not always guaranteed. A secondary can result in an impound up to 180 days, and no one wants that for their vehicle. Plus, a $15 a day fee is tacked on while it is there in impoundment.
Reinstating registration and driver’s license can help but one must provide current minimum liability coverage and pay a reinstatement fee within a range of $175 – $350. This being explained, it is always best to do the right thing the first time and have anything go wrong fix it as soon as possible.
Why Use forautoinsurancequotes To Get Cheap Insurance In Texas
forautoinsurancequotes.com works with the best agents and agencies in the business to bring you to the point of automotive insurance comfort. Our network of associations work with us to help make your daily commutes as easy as possible, and at the best prices available. The insurance quote tool we use works as any good tool should. It takes the information from you and processes it appropriately into a unique package that is fit your you and your budget. Enter your area’s zip code first. Next fill out some basic information about yourself, your driving history, and your vehicle. Best part is the rest is taken care of, just wait for the shopping to come to you so that you are able to pick the best coverage and premium to fit your needs. Next thing you know, you are on the road without so much worry and so much more savings.