Texas Insurance Agencies by County

How to Lower Your Car Insurance in Texas (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Texas? Whether you’re commuting in Houston, Dallas–Fort Worth, Austin, or San Antonio, driving long rural highways, or dealing with hailstorms and hurricane-season risks along the Gulf Coast, there are smart ways to keep premiums down. This overview explains how Texas insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Texas Score You

• Driving history – Accidents, tickets, DUIs, and prior claims impact rates.
• Insurance score – Many insurers use credit-based insurance scoring.
• Location – Rates vary by county/city based on traffic, theft risk, and claim frequency.
• Vehicle type – Repair costs, safety ratings, and theft risk affect pricing.
• Annual mileage – More miles driven can increase premiums.
• Coverage choices – Higher limits/full coverage cost more; higher deductibles often reduce premiums.

10 Ways to Lower Your Car Insurance in Texas

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, good student, paid-in-full, autopay).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair costs and strong safety ratings.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Texas Minimum Auto Insurance Requirements

Texas generally requires at least 30/60/25 in liability coverage — $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage per accident. Many drivers choose higher limits for better protection.

Hailstorms, Flooding, and Comprehensive Coverage

Texas drivers often face hail damage, flash flooding, and severe weather (and coastal hurricane risks). Comprehensive coverage can help protect your vehicle from non-collision losses such as hail, theft, vandalism, falling objects, storm damage, and flood-related damage (when covered under comprehensive).

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.