Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Texas Statistics SummaryDetails
Road MilesTotal In State: 313,596
Vehicle Miles Driven: 258,122 Million
VehiclesRegistered in State: 21,477,692
Total Stolen: 67,485
State Population (Current Estimate)28,701,845
Most Popular VehicleFord F150
Percent of Uninsured Motorists14.10%
State Rank: 16th
Total Driving Related Deaths2008-2017
Speeding Fatalities: 1,029
Drunk Driving Fatalities: 1,468
Average Annual PremiumsLiability: $528.75
Collision: $374.49
Comprehensive: $206.42
Cheapest ProviderUSAA
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The stars at night, are big and bright, deep in the heart of Texas! Welcome to the Lone Star State (and the home of Dr. Pepper) — we’ve created this comprehensive guide to help you and your family find the best car insurance in the vast spaces of Texas.

Texas is BIG. The King Ranch between Corpus Christi and Brownsville is bigger than the state of Rhode Island. With over 28 million residents, only California has more people than Texas (that means one in every 12 Americans calls Texas home). Texas is bigger than any European nation, and two Germany’s could fit inside its borders.

And in a way, Texas is only getting bigger. The U.S. Cenus Bureau reports that four of the 10 fastest-growing major cities are in Texas: San Antonio, Fort Worth, Austin, and Frisco. As Texas grows, that means more cars and more congestion, making car insurance all the more important.

How do you choose the right car insurance? What kind of car insurance do I need in Texas? Use our tool above to find insurance that best fits your needs and budget.

Table of Contents

Texas Car Insurance Coverage and Rates

A lot of factors affect the rate of your car insurance premium. From your age to your gender, from where you live to your credit score to the make and model of your vehicle, it’s important to know what goes into the formula companies use in calculating how much you’ll owe them for insurance.

We’re here to help.

So, how much does auto insurance cost? Trusted Choice reports that the average cost of car insurance in the U.S. is $1,311 per year.

Texans have the 14th most expensive car insurance premiums, averaging $1,620 per year.

But don’t worry: we are experts in the field of auto insurance and have compiled the list in this guide of things to know before buying car insurance in Texas.

Let’s get started.

Texas’s Car Culture

Texas has a lot of a lot of things: a lot of livestock and cotton, a lot of rattlesnakes and small-town festivals, like the Rattlesnake Roundup in Sweetwater.

Texas also has a lot of cars, not surprisingly. With an average of 2-3 cars per household, there are a whopping 22 million registered vehicles in the state according to the Texas Department of Motor Vehicles.

Texas Minimum Coverage

So exactly how much car insurance do you need in Texas? What car insurance is required?

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Texas’s minimum requirements for insurance are fairly average compared to other states across the nation. You are required to have the following car insurance minimums:

  • $30,000 for bodily injury, per person per accident.
  • $60,000 for bodily injury, total per accident.
  • $25,000 for property damage per accident.

Remember though, this is minimum coverage. Minimum coverage will cover the damage you cause to someone else’s car (property damage liability) and the medical bills of the person/people involved in the accident if you caused the accident (bodily injury liability).

Below we’ll cover some great add-on coverages that can be easily added to your insurance policy to ensure you, your family, and your vehicles are well-protected financially in the case of an accident or other incidents.

But how do you prove you have insurance in the Lone Star State?

Forms of Financial Responsibility

You need to be able to prove you have at least the minimum insurance Texas requires. You do this through a legally-recognized form of financial responsibility.

There are various ways to show this proof of insurance, usually by carrying a valid insurance ID card or a copy of your insurance policy.

But what if you forget to do that? Texas offers the following options for proving your vehicular financial responsibility:

  • A deposit of at least $55,000 as cashier’s check or cash to be held with a country judge
  • A self-insurance certificate from the Texas Department of Public Safety
  • A surety bond

But if you’ve forgotten your car insurance ID at home, all hope is not lost. Proving you have insurance to a police officer might be as simple as pulling out your cellphone. Recent legislation amends Transportation Code Section 601.053 to allow Standard Proof of Motor Vehicle Liability Insurance Form to be an image displayed on a wireless communication device.

Premiums as a Percentage of Income

In 2014, Texans had an average disposable household income of $41,090, of which they spent they spent $1,066.20, or 2.59 percent, on car insurance premiums for the year.

This means the state’s residents paid slightly more of their income to car insurers than the national average (2.29 percent), but also that their incomes were slightly higher than the national average of $40,726.23.

And as Texas gets biggers, incomes are also quickly growing in the state: 7.71 percent from 2014 – 2017 alone.

Texans are paying slightly more of their income each year for car insurance, but the trend is noticeably minimal. Here’s the average of Texas’s car insurance premiums as a percentage of income between 2012 – 2014:

  • 2012: 2.48 percent
  • 2013: 2.61 percent
  • 2014: 2.59 percent

Use the handy tool below to calculate what percentage of income your insurance premium might be.

Average Monthly Car Insurance Rates in TX (Liability, Collision, Comprehensive)

As Texas grows, so grows the cost of car insurance across the Lone Star State.

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But remember, experts agree: the better insured you are, the better prepared you will be to deal with an accident, whether or not you are at fault.

Following are the approximate costs for car insurance coverage in Texas:

  • Liability: $500
  • Collision: $325
  • Comprehensive: $185
  • Full: $1,100

These rates are provided by the National Association of Insurance Commissioners (NAIC). This NAIC data is based on state minimum requirements by law.

Additional Liability

Did you know that Texas, like many states, only requires liability insurance? Though anything above liability insurance is optional, more coverage can help you avoid financial hardship should bills stack up after an accident like traffic during Dallas’s rush hour.

Looking at a company’s loss ratio can help you determine if they can provide you the car insurance you need.

But what is a loss ratio? A loss ratio is simply how much the insurer spends on claims compared to how much money they receive in premiums.

But even that can sound confusing, right? Check out this example: if a company spends $650 in claims for every $1,000 they receive in premiums, they have a loss ratio of 65 percent. Thus remember: loss ratios over 100 percent mean an insurer is losing money. Conversely, abnormally low loss ratios mean a company isn’t paying out much in claims or charged too much premium.

The National Association of Insurance Commissioners (NAIC) reports that in 2017, the national average for loss ratios was 73 percent. Our research shows that the “sweet spot” for loss ratios is a bit lower than the 2017 average, between 60 and 70 percent.

The table below provides the average loss ratios for Texas insurers in 2017 by category.

Loss Ratio201520142013
Personal Injury Protection63.51%63.10%64.43%
Medical Payments64.37%72.93%64.31%
Uninsured/Underinsured Motorist70.62%67.04%64.26%
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Great coverage at a low premium is likely your top priority in shopping for car insurance for you and your family. And we understand that! But check out the next section for some extra protections you might want to add on to your existing coverage.

Add-ons, Endorsements, and Riders

Affordability, as we’ve said, is key. But luckily, there are a lot of cheap but powerful extras you can add to your Texas car insurance policy.

These extras ensure you are better-covered in case of an accident or other events involving you or your vehicle.

The following is a list of add-on coverage that you can add to the required car insurance you need in the Lone Star State:

• Guaranteed Asset Protection (GAP)
Personal Umbrella Policy (PUP)
Rental Reimbursement
Emergency Roadside Assistance
Mechanical Breakdown Insurance
Non-Owner Car Insurance
Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive (Usage-Based Insurance)

You might also want to consider personal injury protection (PIP). PIP, sometimes called “no-fault insurance,” covers medical bills incurred from an accident, regardless of who is at fault, who is driving, or who owns the vehicle.

Average Monthly Car Insurance Rates by Age & Gender in TX

In Texas, young men can expect to pay more in car insurance premiums than young women. Once you reach 35 years of age, however, the gender gap is minimal.

What is more significant to car insurance providers in determining your premium? Age and marital status.

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The following table provides the average annual car insurance premiums for Texans of different demographics.

CompanySingle 17-year old female annual rateSingle 17-year old male annual rateMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rate
The General$7,713.17$10,116.84$2,918.37$3,249.14$2,712.68$3,109.48$4,191.50$4,782.23
State Farm$4,814.71$6,130.76$2,020.71$2,020.71$1,797.39$1,797.39$2,195.23$2,262.71
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Cheapest Rates by ZIP Code

Of course, the price of car insurance varies from state to state. But did you know that it varies by where you live in your state as well?

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In Texas, the most expensive average car insurance rates can be found in 78049, a neighborhood in the border city of Laredo. The tables below provide a breakdown of the average car insurance premiums by ZIP code, and by insurer within that ZIP code.

Most Expensive Zip Codes in TexasCityAverage Annual Rate by Zip CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
78049LAREDO$5,538.80American Family$11,340.83Progressive$7,300.88USAA$2,748.03State Farm$3,078.58
78599WESLACO$5,452.78American Family$11,340.83Allstate$6,223.28State Farm$2,972.86USAA$3,185.94
77036HOUSTON$5,430.22American Family$9,058.31Allstate$7,237.52USAA$3,028.85State Farm$3,600.90
77033HOUSTON$5,271.84American Family$8,080.72Allstate$7,297.35USAA$3,021.85State Farm$3,649.74
77072HOUSTON$5,247.11American Family$9,024.11Allstate$6,217.03USAA$3,028.85State Farm$3,485.64
75207DALLAS$5,225.75Allstate$7,664.33Progressive$7,367.34USAA$2,935.83State Farm$3,620.92
77053HOUSTON$5,188.07American Family$8,091.63Allstate$7,155.33USAA$3,035.35State Farm$3,538.37
77060HOUSTON$5,173.49American Family$7,251.55Allstate$6,756.97USAA$3,031.86State Farm$3,941.98
77067HOUSTON$5,166.35American Family$7,397.64Allstate$7,135.70USAA$3,031.86State Farm$3,965.58
77076HOUSTON$5,164.01Allstate$7,297.35American Family$6,965.79USAA$3,007.16State Farm$3,863.19
77091HOUSTON$5,162.46Allstate$7,297.35American Family$6,976.94USAA$3,155.30State Farm$3,768.48
77078HOUSTON$5,154.98Allstate$7,352.64American Family$7,217.59USAA$3,158.70State Farm$3,763.05
79430LUBBOCK$5,143.23American Family$11,340.83Progressive$7,300.88USAA$2,679.39State Farm$2,898.28
77037HOUSTON$5,141.92Allstate$7,292.85American Family$6,534.37USAA$3,031.86State Farm$3,803.26
77022HOUSTON$5,115.43Allstate$7,297.35American Family$6,978.54USAA$3,007.16State Farm$3,906.52
77039HOUSTON$5,115.40American Family$7,325.25Allstate$6,770.35USAA$3,007.16State Farm$3,857.41
77081HOUSTON$5,113.05American Family$7,787.38Allstate$7,121.41USAA$3,179.07State Farm$3,384.26
77088HOUSTON$5,111.68American Family$8,232.62Allstate$6,585.55USAA$3,155.30State Farm$3,823.85
77016HOUSTON$5,108.01Allstate$7,352.64American Family$6,981.03USAA$3,007.16State Farm$3,777.08
77028HOUSTON$5,107.10Allstate$7,664.33American Family$6,909.53USAA$3,158.70State Farm$3,494.20
77093HOUSTON$5,104.27Allstate$7,286.61American Family$6,716.86USAA$3,158.70State Farm$3,838.99
77026HOUSTON$5,098.02Allstate$7,352.64American Family$7,017.25USAA$3,158.70State Farm$4,012.27
77050HOUSTON$5,097.68Allstate$7,306.24American Family$6,677.08USAA$3,007.16State Farm$3,762.08
75210DALLAS$5,095.76Allstate$7,664.33American Family$7,286.10USAA$3,025.08State Farm$3,565.59
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The cheapest rates? Those can be found in 76901, a ZIP code including parts of the West Texas city of San Angelo and some of its suburbs.

Least Expensive Zip Codes in TexasCityAverage Annual Rate by Zip CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
76901SAN ANGELO$3,157.68Allstate$4,542.85American Family$3,786.57USAA$2,191.07State Farm$2,428.78
76904SAN ANGELO$3,158.56Allstate$4,542.85Progressive$3,809.41USAA$2,074.47State Farm$2,401.91
76939KNICKERBOCKER$3,209.72Allstate$4,542.85American Family$3,866.31USAA$2,086.49State Farm$2,422.19
76306WICHITA FALLS$3,210.65Allstate$4,736.95American Family$3,838.60USAA$1,891.48State Farm$2,518.20
76909SAN ANGELO$3,224.21Allstate$4,542.85Progressive$3,954.71USAA$2,074.47State Farm$2,422.19
76502TEMPLE$3,260.31Allstate$4,841.18American Family$3,890.07USAA$2,228.61GEICO$2,679.10
76886VERIBEST$3,267.18Allstate$4,926.00American Family$3,815.43USAA$2,191.07State Farm$2,422.19
76908GOODFELLOW AFB$3,281.51Allstate$4,542.85American Family$3,972.20USAA$2,074.47State Farm$2,437.99
76354BURKBURNETT$3,293.59Allstate$4,898.60American Family$3,869.85USAA$2,065.82State Farm$2,533.62
76543KILLEEN$3,306.33Allstate$4,929.48American Family$4,125.00USAA$2,227.94State Farm$2,673.85
76309WICHITA FALLS$3,315.43Allstate$4,816.42American Family$4,292.15USAA$2,065.82GEICO$2,530.78
76706WACO$3,320.96Allstate$5,137.52American Family$4,044.42Nationwide$2,326.70USAA$2,345.00
76905SAN ANGELO$3,322.35Allstate$4,926.00Progressive$4,180.44USAA$2,091.54State Farm$2,389.41
76903SAN ANGELO$3,331.83Allstate$4,799.16American Family$4,047.69USAA$2,187.37State Farm$2,424.89
76957WALL$3,332.11Allstate$4,542.85Progressive$3,999.84USAA$2,191.07State Farm$2,422.19
76513BELTON$3,334.52Allstate$5,137.52American Family$3,792.42USAA$2,184.73State Farm$2,632.49
76564PENDLETON$3,336.13Allstate$5,114.28American Family$3,910.53USAA$2,199.69State Farm$2,658.77
76710WACO$3,337.22Allstate$5,128.65American Family$3,865.74USAA$2,276.47GEICO$2,681.32
77881WELLBORN$3,347.60Allstate$4,860.77Progressive$3,942.06USAA$2,198.68State Farm$2,671.94
76311SHEPPARD AFB$3,351.07Allstate$4,975.86American Family$4,243.10USAA$1,891.48GEICO$2,530.78
76310WICHITA FALLS$3,351.57Allstate$4,952.60American Family$4,289.31USAA$2,065.82State Farm$2,480.04
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Cheapest Rates by City

Texas cities are very diverse. Diverse by size and climate, by density and culture.

The tables below show you the cheapest (and most expensive) car insurance rates by Texas city.

Most Expensive Cities in TexasAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Weslaco$5,452.78American Family$11,340.83Allstate$6,223.28State Farm$2,972.86USAA$3,185.94
Texhoma$5,290.29American Family$11,340.83Progressive$7,937.62USAA$2,417.11State Farm$2,464.41
Aldine$5,143.60American Family$7,037.06Allstate$6,940.06USAA$3,023.62State Farm$3,867.55
Cockrell Hill$4,805.29Allstate$6,750.75American Family$6,361.56USAA$2,898.46State Farm$3,728.37
North Houston$4,799.60Progressive$7,300.88Allstate$6,438.51USAA$2,760.28State Farm$3,348.79
Houston$4,770.73American Family$6,846.57Allstate$6,514.79USAA$2,931.67State Farm$3,466.09
Garciasville$4,762.95Progressive$7,172.16Allstate$6,903.43State Farm$2,719.54USAA$2,891.85
South Houston$4,748.61Allstate$6,493.81American Family$6,132.67USAA$3,023.90State Farm$3,338.51
Galena Park$4,739.02Allstate$6,493.81American Family$6,255.89USAA$3,163.52State Farm$3,389.03
Linn$4,726.10Progressive$6,965.34Allstate$6,148.71State Farm$3,080.73USAA$3,185.94
Four Corners$4,725.43American Family$7,099.38Allstate$5,778.86USAA$3,026.34State Farm$3,321.83
Santa Elena$4,706.00Progressive$6,792.94Allstate$6,588.22State Farm$2,719.54USAA$2,891.85
Dallas$4,682.06Allstate$6,793.69American Family$6,354.16USAA$2,842.16State Farm$3,514.46
McAllen$4,673.94Allstate$6,096.88American Family$6,072.08USAA$2,893.08State Farm$3,068.13
Hidalgo$4,664.22Allstate$6,588.22Nationwide$6,084.75USAA$2,893.08State Farm$3,095.91
Fresno$4,655.49American Family$6,911.13Allstate$5,956.87USAA$3,045.00State Farm$3,076.76
Devers$4,645.50Progressive$6,929.03American Family$5,960.18USAA$2,789.77State Farm$3,150.69
Edcouch$4,631.97Allstate$6,320.76American Family$5,478.44State Farm$3,047.18USAA$3,185.94
Doolittle$4,631.85Allstate$6,167.63Nationwide$5,705.17USAA$3,013.60State Farm$3,101.27
Grulla$4,624.28Progressive$6,837.33Allstate$6,143.37State Farm$2,719.54USAA$2,891.85
Sullivan City$4,608.29Allstate$6,710.46Nationwide$5,455.81State Farm$3,098.35USAA$3,185.94
Alief$4,606.74Allstate$6,217.03Progressive$5,819.67USAA$2,686.48State Farm$3,356.67
Channelview$4,605.85Allstate$6,681.17American Family$6,115.98USAA$2,869.94State Farm$3,419.77
Hilshire Village$4,604.38Allstate$6,378.68American Family$6,105.10USAA$2,986.57State Farm$3,447.69
Alton$4,599.58Allstate$6,355.48American Family$5,498.36USAA$2,863.94State Farm$3,121.38
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Major cities like Houston and Dallas make the list of the most expensive car insurance rates.

Least Expensive Cities in TexasAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Grape Creek$3,157.68Allstate$4,542.85American Family$3,786.57USAA$2,191.07State Farm$2,428.78
Knickerbocker$3,209.72Allstate$4,542.85American Family$3,866.31USAA$2,086.49State Farm$2,422.19
San Angelo$3,259.24Allstate$4,702.71Progressive$3,992.96USAA$2,106.96State Farm$2,409.60
Veribest$3,267.18Allstate$4,926.00American Family$3,815.43USAA$2,191.07State Farm$2,422.19
Goodfellow AFB$3,281.51Allstate$4,542.85American Family$3,972.20USAA$2,074.47State Farm$2,437.99
Burkburnett$3,293.59Allstate$4,898.60American Family$3,869.85USAA$2,065.82State Farm$2,533.62
Robinson$3,320.96Allstate$5,137.52American Family$4,044.42Nationwide$2,326.70USAA$2,345.00
Wall$3,332.11Allstate$4,542.85Progressive$3,999.84USAA$2,191.07State Farm$2,422.19
Belton$3,334.52Allstate$5,137.52American Family$3,792.42USAA$2,184.73State Farm$2,632.49
Pendleton$3,336.13Allstate$5,114.28American Family$3,910.53USAA$2,199.69State Farm$2,658.77
Beverly Hills$3,347.58Allstate$5,153.61Progressive$3,857.42USAA$2,276.47GEICO$2,690.25
Wellborn$3,347.60Allstate$4,860.77Progressive$3,942.06USAA$2,198.68State Farm$2,671.94
Sheppard AFB$3,351.07Allstate$4,975.86American Family$4,243.10USAA$1,891.48GEICO$2,530.78
Wichita Falls$3,357.55Allstate$4,892.91American Family$4,292.31USAA$2,017.62GEICO$2,530.78
Christoval$3,359.14Allstate$4,542.85Progressive$4,363.18USAA$2,086.49State Farm$2,384.33
Temple$3,360.15Allstate$5,049.46American Family$4,170.69USAA$2,202.93GEICO$2,679.10
Mexia$3,361.10Allstate$5,091.11American Family$3,727.04USAA$2,189.79State Farm$2,618.65
Heidenheimer$3,364.77Allstate$5,153.61Progressive$4,006.20USAA$2,243.44State Farm$2,658.77
Iowa Park$3,367.05Allstate$5,109.77American Family$3,848.86USAA$2,065.82State Farm$2,496.96
Tennyson$3,367.34Allstate$4,799.16Progressive$4,001.70USAA$2,223.72State Farm$2,464.41
Copperas Cove$3,368.96Allstate$5,075.02Progressive$3,714.41USAA$2,250.13State Farm$2,640.95
West$3,373.02Allstate$5,223.83American Family$3,709.63USAA$2,409.44GEICO$2,608.93
Killeen$3,375.97Allstate$4,975.95American Family$4,281.63USAA$2,202.42State Farm$2,678.96
Presidio$3,379.33Allstate$4,542.85American Family$4,486.47USAA$2,341.36State Farm$2,485.11
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Best Texas Car Insurance Companies

A number of factors are important to consider in finding the best car insurance company for you and your family’s needs.

From company financial ratings to rates for drivers of various histories, you’ll want to consider the pros and cons of each insurer.

The Texas Department of Insurance is another great resource; they exist to protect and serve the state’s insurance consumers.

For our compilation of the best car insurance companies in Texas, check out the sections below.

The Largest Companies Financial Rating

You want any company you do business with to have a good financial rating. This is especially true if that company has the responsibility of protecting you and your family, like a car insurance provider.

A company’s ability to financially cover its customers is important, and that’s where financial ratings come into play.

AM Best ranks America’s insurance companies by financial solvency. What does it mean for a company to receive a high grade? That company is highly likely to stay solvent and have the ability to pay customer claims. A bad grade might be a warning sign for potential customers.

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The table below provides the financial ratings for Texas’s 10 largest car insurance providers.

Insurance CompanyA.M. Best Rating
State Farm GroupA++
Allstate Insurance GroupA+
Progressive GroupA+
Farmers Insurance GroupA
USAA GroupA++
Liberty Mutual GroupA
Texas Farm Bureau Mutual GroupA
Consumers County Mutual Insurance CoNR
Nationwide Corp GroupA+
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Companies with Best Ratings

According to J.D. Power and Associates’ U.S. Auto Insurance Study, the best-rated insurance company in Texas is Texas Farm Bureau Insurance.

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The graph below depicts Texas’ insurance providers and their J.D. Power ratings.

JD Power 2019 Texas Region

Companies with Most Complaints in Texas

Part of knowing who is best is knowing who gets the most complaints. In Texas, State Farm receives more complaints than any other car insurance provider. But keep that in perspective: they also hold a bigger market share than any other Texas car insurance company.

The table below provides the number of complaints filed against Texas’s 10 largest car insurance providers in 2017.

Insurance CompanyNumber of Complaints (2017)
State Farm1482
Liberty Mutual222
Consumers County5
Texas Farm Bureau3
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Commute Rates by Companies

How much you drive certainly affects how much you pay for car insurance. Whether you drive a little or a lot, however, State Farm is likely your cheapest insurance provider in the Lone Star State.

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The following table lists car insurance providers and their corresponding average rates for both a 10- and 25-mile average commute distance.

Insurance CompanyCommute And Annual MileageAnnual Average Premiums
Allstate10 miles commute. 6000 annual mileage.$5,354.10
Allstate25 miles commute. 12000 annual mileage.$5,616.53
American Family10 miles commute. 6000 annual mileage.$4,849.18
American Family25 miles commute. 12000 annual mileage.$4,849.18
Geico10 miles commute. 6000 annual mileage.$3,201.27
Geico25 miles commute. 12000 annual mileage.$3,325.50
Nationwide10 miles commute. 6000 annual mileage.$3,867.57
Nationwide25 miles commute. 12000 annual mileage.$3,867.57
Progressive10 miles commute. 6000 annual mileage.$4,664.85
Progressive25 miles commute. 12000 annual mileage.$4,664.85
State Farm10 miles commute. 6000 annual mileage.$2,879.95
State Farm25 miles commute. 12000 annual mileage.$2,879.95
USAA10 miles commute. 6000 annual mileage.$2,456.42
USAA25 miles commute. 12000 annual mileage.$2,519.83
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Coverage Level Rates by Companies

Not surprisingly, your car insurance coverage level affects how much money you pay in premiums. The more coverage and the more add-ons, the more expensive car insurance gets. The less coverage, the cheaper your insurance will likely be.

Though remember, cheaper is not always better, especially when it comes to something like car insurance.

Here is a table that shows the different types of insurance coverage levels and their average yearly rates for Texas’s biggest insurance providers.

Insurance CompanyCoverage TypeAnnual Average Premiums
American FamilyHigh$5,357.52
American FamilyMedium$4,672.73
American FamilyLow$4,517.27
State FarmHigh$3,039.86
State FarmMedium$2,870.49
State FarmLow$2,729.50
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Credit History Rates by Companies

Does it surprise you to find out your credit history can affect your car insurance premium?

It certainly can, especially if you’re an Allstate customer in Texas.

With an average Experian score of 656, Texans have one of the lowest average credit scores across the United States. (The national average? 675.)

Who are the best car insurers in Texas for those with a poor credit rating? Likely Progressive or State Farm will be the most affordable option.

The table below shows average rates for those with a good, fair, or poor credit rating for Texas’s top car insurance providers.

Insurance CompanyCredit HistoryAnnual Average Premiums
American FamilyPoor$6,669.84
American FamilyFair$4,205.41
American FamilyGood$3,672.27
State FarmPoor$4,077.51
State FarmFair$2,538.85
State FarmGood$2,023.50
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Driving Record Rates by Companies

Okay, so most of us don’t have a spotless driving record. And though we all make mistakes, you have to be prepared for your car insurance premium to be affected by your driving history, perhaps more than anything else.

The following table shows different insurance companies and their annual averages for people with varying driving records in Texas.

Insurance CompanyDriving RecordAnnual Average Premiums
AllstateWith 1 DUI$6,837.95
AllstateWith 1 accident$6,562.28
AllstateWith 1 speeding violation$4,270.52
AllstateClean record$4,270.52
NationwideWith 1 DUI$4,977.19
NationwideWith 1 accident$3,351.99
NationwideWith 1 speeding violation$3,789.11
NationwideClean record$3,351.99
American FamilyWith 1 DUI$4,931.37
American FamilyWith 1 accident$5,627.66
American FamilyWith 1 speeding violation$4,418.84
American FamilyClean record$4,418.84
ProgressiveWith 1 DUI$4,753.00
ProgressiveWith 1 accident$5,258.36
ProgressiveWith 1 speeding violation$4,581.27
ProgressiveClean record$4,066.74
GeicoWith 1 DUI$3,061.96
GeicoWith 1 accident$3,651.43
GeicoWith 1 speeding violation$3,570.55
GeicoClean record$2,769.60
State FarmWith 1 DUI$3,462.47
State FarmWith 1 accident$2,934.63
State FarmWith 1 speeding violation$2,561.35
State FarmClean record$2,561.35
USAAWith 1 DUI$3,224.03
USAAWith 1 accident$2,737.39
USAAWith 1 speeding violation$2,132.96
USAAClean record$1,858.11
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Across the board, State Farm is likely the cheapest car insurance provider for Texans with a DUI, previous accident, or speeding violation.

Number of Foreign vs. Domestic Insurers in Texas

What do you think a foreign or domestic car insurance company is? When it comes to auto insurers, domestic simply means an in-state provider, and foreign, an out-of-state provider.

According to the NAIC, Texas has 199 domestic insurance companies and 937 foreign insurance providers.

Texas Laws

You’ve probably heard it before — Don’t Mess with Texas.

And we’d like to add: don’t mess with Texas laws. Even if you’re just passing through the Lone Star State, it’s important to know the laws where you’re driving.

In the sections below, we’ll cover a variety of legal topics related to driving or insuring your car in Texas. You might also want to check out the National Motorists Association guide to driving in Texas.

Car Insurance Laws

Remember, Texas requires liability insurance with the following minimums:

  • $30,000 for bodily injury, per person per accident.
  • $60,000 for bodily injury, total per accident.
  • $25,000 for property damage per accident.

Also remember, these are minimums. What is best for you and your family might be coverage above liability.

How State Laws for Insurance are Determined

The National Association of Insurance Commissioners (NAIC) takes some of the mystery out of how car insurance laws get made.

They are the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from all 50 states, the District of Columbia and five U.S. territories. They offer this great white paper to help you understand how insurance laws get made.

The Texas State Legislature is known for its, well, Texas-sized personalities and quirks.

Windshield Coverage

In Texas, there are no specific laws speaking to windshields and glass coverage.

If you regularly drive on one of the Lone Star’s State’s thousands of unpaved roads, or pass through terrains where there’s a high probability of getting hit by cobbles and pebbles on the windshield — like Big Bend National Park in Southwest Texas — you will want to check with your car insurance provider to see if windshield coverage is something you can add to your policy.

High-Risk Insurance

As we talked about above, you might have had some bad luck on the road. And this may have led you to a less-than-stellar driving record.

Because of their driving behavior, high-risk drivers are at times ineligible to obtain car insurance from the traditional market. To offer coverage to these drivers, the state has established a program for them, known as the Texas Automobile Insurance Plan Association (TAIPA).

Automobile Insurance Fraud in Texas

To the point: auto insurance fraud is a crime.

And though most people only contact their auto insurer in case of an accident or other types of claim, some folks try to scam the system by filing false claims to make a quick buck.

In 2017 alone, the Texas fraud unit received 7,756 reports of motor vehicle insurance fraud.

Since insurance fraud in Texas carries big fines and possible jail time, it’s best to avoid the situation altogether. But find yourself on the wrong side of the Lone Star State’s insurance fraud laws, and here’s what you can expect:

  • When the claim amount is less than $50: Anything lower than $50 is considered a “Class C” misdemeanor, carrying a fine of $500.
  • When the claim amount is more than $200,000: As the value is high, the penalty is also severe with fines up to $10,000 and/or jail time of five to 99 years.

According to the Insurance Information Institute (III), common types of fraud include “padding,” or inflating actual claims; misrepresenting facts on an insurance application; submitting claims for injuries or damage that never occurred, services never rendered or equipment never delivered; and “staging” accidents.

But consumers don’t only scam insurance companies. Some companies also scam their customers. The Texas Department of Insurance has produced the video below to help you avoid being scammed after an accident.

Statute of Limitations

A statute of limitations is the amount of time you have to file and resolve your claim or to file a lawsuit following an accident or another vehicular incident.

In Texas, you have two years from the time of the accident to file a lawsuit for both personal injury and property damage.

Texas Specific Laws

Again, we urge you to check out The National Motorists Association’s summary of Texas-specific driving laws. Here is some interesting (and important) information for driving in Texas they provide:

  • On many rural highways in Texas, there is a full-width paved shoulder. Though this is mainly provided as a breakdown lane, it is legal to travel on that shoulder for specific purposes; for instance, it should be used by a slow car to allow faster cars behind it to pass safely.
  • Texas repealed its motorcycle helmet law in 1997 for cyclists 21 years of age or older. However, in order for residents or nonresidents to go helmetless, they must have proof of $10,000 in medical insurance or proof that they have taken a motorcycle safety course that meets the standards of the Motorcycle Safety Foundation.
  • No matter if you’re ticketed for a parking violation or a DUI, you always have the right to a trial by jury in Texas.

Vehicle Licensing Laws

Like almost every state, Texas requires a valid driver’s license to operate a vehicle. And be honest: who doesn’t love getting their picture taken at the DMV? Okay, maybe not, but, licensing yourself and your vehicle in Texas may be easier than you think.

The Texas Department of Public Safety has made this great video on obtaining a driver’s license in the Lone Star State.

The Department of Public Safety’s comprehensive website provides a lot of great information on legally driving in Texas, in fact. One thing you’ll want to remember, the list of documents you need to bring to the DMV with you:

  1. Proof of U.S. Citizenship or, if you are not a U.S. Citizen, evidence of lawful presence
  2. Proof of Texas Residency
  3. Proof of Identity
  4. Social Security Number
  5. Evidence of Texas Vehicle Registration* for each vehicle you own. Registration must be current. Visit Texas DMV vehicle registration for more information. (New Residents who are surrendering an out-of-state drivers license only)
  6. Proof of Insurance* for each vehicle you own

*If you do not own a vehicle, you will sign a statement affirming this.

Real ID

A REAL ID can save you the hassle of bringing other forms of identification with you to conduct official state or federal government business. Like when you’re entering the Comanche Peak Nuclear Power Plant near Glen Rose.

Texas IDs issued after October 10, 2016, automatically comply with the Federal Real ID Act.

Penalties for Driving Without Insurance

In Texas, around 20 percent of the motorists are driving without any insurance coverage. To reduce the number of uninsured motorists on roads, the State of Texas levies heavy penalties. These include:

  • First Offense: When you’re caught without insurance for the first time, you would be fined in the range of $175 to $350. In addition, you would have to pay an additional surcharge of $250 annually towards your driver’s license fee for the next three years.
  • Subsequent Offenses: For repeat offenders, the fines can range from $350 to $1,000 along with the chance of license revocation and vehicle impoundment.

Sure, auto insurance is expensive, but if you happen to be involved in an accident, the financial costs of personal injury, property damage and state fines can burn a deep hole in your pocket, a hole that might lead you all the way to bankruptcy.

Having insurance is also part of being a good neighbor.

Driving without an insurance policy poses an extremely serious threat to others on the road, and the state of Texas has established the TexasSure program to initiate automatic verification of insurance.

This program allows law officers to easily verify whether you have car insurance coverage through a central database that connects a vehicle license plate, VIN number, and your liability insurance policy.

Teen Driver Laws

Did you know most states have some form of graduated licensing laws for teens?

In Texas, these laws mean a two-step process: learners permit then provisional or intermediate license. The table below provides restrictions for the learners permit, available to those who are at least 15 years of age.

Mandatory Holding Period6 months
Supervised Driving Time30 hours, with at least 10 hours of nighttime driving
Required TestsDriver's knowledge test, vision test and a sign recognition test
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Teens can apply for a provisional license if they have satisfied the requirements under the learner’s permit in the State of Texas. The table below provides restrictions for this provisional license.

Restriction Details
Nighttime RestrictionsMidnight to 5 a.m, unless accompanied with a parent/guardian
Passenger RestrictionsOne person at a time under 21 who isn't a family member
Required TestsRoad test and certified driver's education course
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Older Driver License Renewal Procedures

If you’re below 79 in Texas, you can renew your license by phone, mail, or online. Drivers under 18 and older than 79, however, are required to renew their licenses in person at a Texas DPS office.

Beyond this, the only real difference in renewal for older drivers: if you’re older than 84, you’re required to renew your license every two years, as opposed to every six for those 18-84.

New Residents

Texas is a little more lenient with its new residents when it comes to obtaining a drivers license. According to the Department of Public Safety, “new Texas residents can legally drive with a valid, unexpired drivers license from another U.S. state, U.S. territory, Canadian province, or qualifying country for up to 90 days after moving to Texas.”

When you move to Texas, you’ll have to surrender your out-of-state license and show up to the DMV with:

  1. Proof of U.S. Citizenship or, if you are not a U.S. Citizen, evidence of lawful presence
  2. Proof of Texas Residency
  3. Proof of Identity
  4. Social Security Number
  5. Evidence of Texas Vehicle Registration* for each vehicle you own. Registration must be current. Visit Texas DMV vehicle registration for more information. (New Residents who are surrendering an out-of-state drivers license only)
  6. Proof of Insurance for each vehicle you own. (If you do not own a vehicle, you will sign a statement affirming this.)

License Renewal Procedures

Renewing your license in Texas is fairly straight-forward. We recommend you check out the Department of Public Safety’s renewal site for the best information on making the process as quick and painless as possible. But we also wanted to point out, Texas allows you to renew:

  • Online
  • By Telephone
  • By Mail, or
  • In-person at your local drivers license office.

Rules of the Road

Whether you’re a Texan through-and-through or just a passing scurring on through the Lone Star State, you’ll need to know rules for driving in Texas.

Below we’ve compiled some helpful advice to make sure you avoid any run-ins with the Texas Rangers.

Fault vs. No-Fault

Texas is an at-fault state, meaning you’ll be held financially and legally liable if you are found at-fault in an auto accident.

But if you haven’t gathered by now, the more comprehensive your insurance, the better prepared you are to face accidents and other auto incidents head-on, whether or not you are at fault.

Make sure you have the best insurance you can to protect you and your family.

Seat belt and car seat laws

Texas law requires drivers and all passengers to wear seat belts. Fail to do so? You can be fined in the range of $25-$250.

The Texas Department of Public Safety is invested in caring for the state’s children and ensuring they are properly and securely seated when riding in a motor vehicle. The table below illustrates the guidelines for car seat laws in Texas.

Birth-2 yearsAll children below the age of two are required to ride inside a rear-facing seat
2-4 yearsOnce the child turns two, he/she can ride in a forward facing seat as long as recommended by the seat manufacturer (check for weight & height labels on the seat)
4-10 yearsChildren can ride in a booster seat once they are 4 years old and weigh 40+ pounds
Beyond 10 yearsOnce children outgrow their booster seat (around 10-12 years old), they are allowed to use the adult safety belt, provided it fits them perfectly
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Keep Right and Move Over Laws

Texas clearly marks where the left lane of a multi-lane highway is for passing. You’ll see a sign that says “Left Lane For Passing Only.”

And it’s good to know: impeding the flow of traffic by continuing to drive in the left lane is punishable by a fine of up to $200 in the Lone Star State.

According to the Texas Department of Transportation, when approaching a stopped emergency vehicle with lights flashing, state law requires that you:

  • move a lane away from the emergency vehicle, or
  • slow down 20 miles per hour below the posted speed limit.

Fail to comply? You could be issued a fine of up to $200.

Speed Limits

Texas has a lot of wide-open highways in sparsely populated areas. Thus, it’s maximum speed limits are higher than most states, and variable.

Here are the maximum speeds on Texas’ roadways for both cars and trucks:

  • Rural Interstates: 75 mph, though 80 or 85 on specified segments
  • Urban Interstates: 75 mph
  • Other Limited Access Roads: 75 mph


After clashes over variable statutes from city to city, House Bill 100 established statewide standards for ridesharing companies — like Uber or Lyft — across the state of Texas.

To operate a rideshare car in Texas, drivers must:

  • Be at least 18 years of age;
  • Maintain a valid driver’s license issued by Texas, another state, or Washington D.C.;
  • Maintain proof of registration and auto insurance for every vehicle to be used; and
  • Pass a background check that covers local, state, and national searches.

And don’t forget: most major rideshare companies require their drivers to have insurance that covers not only the driver, but also all passengers.

Automation on the Road

Automobile technology is advancing at a rapid rate, meaning you’ll likely see more and more automation on the road.

The Insurance Institute for Highway Safety (IIHS) explains that automation is simply the use of a machine or technology to perform a task previously carried out by a human.

When it comes to automation, think radars, cameras, and other sensors used to gather information about a vehicle’s surroundings.

Texas is pro-active in figuring out how (and if) fully-automated vehicles will be able to legally drive on its roadways. In early 2019, the state formed a Self-Driving Car Task Force.

Safety Laws

Wherever you are, driving safely is important. And a big part of driving safely is knowing a state’s safety laws and regulations.

Since you now know the proper way to insure and register your vehicle in Texas, let’s now cover some important safety information to keep you, your family, and your vehicles safe in the Lone Star State.

DWI Laws

Whether you’re drunk or just buzzed, driving under the influence of alcohol is not a good idea.

It’s especially not a good idea in Texas, where DUIs are known as DWIs (“driving while intoxicate”). You can be issued a DWI in Texas if you are caught:

  • with a blood alcohol content (BAC) of .08% or more (often called a “per se” DWI), or,
  • while lacking “the normal use of mental or physical faculties” because of the ingestion of alcohol, drug or any other substance.

Texas heavily penalizes for DWIs. The fines and jail time increase with the number of offenses:

  • First Offense: First-time offenders can be fined up to $2,000 and face the possibility of jail time from three days to six months as well. In addition, their license can also be suspended for a period of up to 12 months.
  • Second Offense: If you’re caught the second time, you may be fined up to $4,000 and face jail time from a month to a year. You can also lose your driver’s license for up to two years.
  • Third Offense: For a third time, the fines increase substantially to $10,000 and you would have to spend time in prison for a period of two to 10 years. Also, you might lose driving rights for up to two years.

Marijuana-Impaired Driving Laws

As we’ve seen above, anyone can be charged with a DWI if found lacking “the normal use of mental or physical faculties” because of the ingestion of alcohol, drug or any other substance.

This includes marijuana, which has yet to be legalized at all in the state of Texas with very few exceptions.

Distracted Driving Laws

NO ONE in Texas is allowed to drive and text, no matter how old they are. A first offense can get you a fine up to $99, and subsequent offenses can cost you as much as $200.

Those under the age of 18 are not allowed to use hand-held devices at all, and no one is allowed to use a hand-held device, such as a cellphone, in a school zone.

Driving Safely in Texas

Driving safely is important wherever you are, but read on for some important information about keeping you, your family, and your vehicles safe in the Lone Star State.

Vehicle Theft in Texas

Every year, the FBI tracks vehicle thefts and other crimes in all cities across Texas, from Abernathy to Yorktown. In 2016, Houston, the state’s largest city, led in vehicle thefts with 12,738.

What vehicles are stolen the most in the Lone Star State? The table below shows the top-10 most-stolen cars in Texas for 2018 by make, model, and model year.

RankMake and ModelYear of VehicleThefts
1Ford Pickup (Full Size)20067,897
2Chevrolet Pickup (Full Size)20046,158
3Dodge Pickup (Full Size)20042,898
4Honda Accord19971,626
5GMC Pickup (Full Size)20151,450
6Honda Civic20001,371
7Chevrolet Tahoe20041,148
8Toyota Camry20141,030
9Nissan Altima2012957
10Chevrolet Impala2007898
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Road Fatalities in Texas

In the sections below, we’ll explore different variables of road fatalities, which totaled 3,567 across Texas in 2018.

Most fatal highway in Texas

GeoTab reports that US-83, which runs from Brownsville at the southern-most tip of Texas on the Mexico border to the border of Oklahoma at the north end of the Texas panhandle, is the most deadly highway in Texas, with an average of 26 fatal crashes a year over the last decade.

Fatal Crashes by Weather Condition and Light Condition

Perhaps not surprisingly, crashes are highly affected by weather and light conditions.

The table below provides a breakdown of fatal crashes by weather and light conditions across Texas in 2017.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
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Fatalities (All Crashes) by Road Type in Texas

Like in a lot of large states, especially, the urban-rural divide is striking when considering traffic fatalities. The table below illustrates the number of crashes on both urban and rural Texas roadways between 2008 and 2017.

Road Type2008200920102011201220132014201520162017
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Fatalities by Person Type

We don’t often think in these terms, but it’s not only motorists who die on Texas roads. Pedestrians, cyclists, and others are part of the state’s transportation system, too.

The table below shows 2017 fatalities by person type.

Person Type20132014201520162017
Passenger Car1,0671,1371,1711,2191,252
Light Truck - Pickup606693626636588
Light Truck - Utility441480483441457
Light Truck - Van9587888764
Light Truck - Other111118
Large Truck111114100109129
Other/Unknown Occupants2321232731
Total Occupants2,3512,5352,5092,5402,545
Total Motorcyclists493451452495490
Bicyclist and Other Cyclist4850526559
Other/Unknown Nonoccupants1721202221
Total Nonoccupants545550621762687
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Fatalities by Crash Type

The table below shows the number of Texas fatalities by crash type from 2013 to 2017.

Crash Type20132014201520162017
Total Fatalities (All Crashes)3,3893,5363,5823,7973,722
Single Vehicle1,8151,9131,8481,9821,914
Involving a Large Truck535553567558649
Involving Speeding1,1811,2771,1251,0761,029
Involving a Rollover1,0111,0919831,020942
Involving a Roadway Departure1,8361,9121,8001,8601,832
Involving an Intersection (or Intersection Related)668667709719724
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It’s striking that the highest number of fatalities in Texas result from crashes involving a single vehicle.

Five-Year Trend For The Top 10 Counties

Texas is one of the fastest-growing states in the United States.

The table below provides the five-year road fatality trends for the Lone Star State’s 10 biggest counties.

RankTexas Counties by 2017 Ranking20132014201520162017
1Harris County369417391447456
2Dallas County225238259315282
3Tarrant County144145157167180
4Bexar County189184189226164
5Travis County11295145120120
6Collin County4147375068
7Hidalgo County6565677560
8El Paso County6066628158
9Bell County3634404257
10Montgomery County5153607654
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Fatalities Involving Speeding by County

As you’ve already seen above, speeding can be deadly.

The following table illustrates the 2013-2017 statistics on fatalities caused by speeding in Texas by county according to the National Highway Transportation Safety Administration.

Anderson County44353
Andrews County21202
Angelina County310417
Aransas County21010
Archer County11010
Armstrong County30000
Atascosa County03713
Austin County26401
Bailey County20000
Bandera County65312
Bastrop County85445
Baylor County11100
Bee County21121
Bell County1520151120
Bexar County7069736057
Blanco County45010
Borden County11110
Bosque County13010
Bowie County127282
Brazoria County1312141318
Brazos County361069
Brewster County20000
Briscoe County00010
Brooks County61100
Brown County01110
Burleson County12121
Burnet County565310
Caldwell County14456
Calhoun County11000
Callahan County52116
Cameron County10108910
Camp County21000
Carson County00101
Cass County20632
Castro County10000
Chambers County38530
Cherokee County33155
Childress County10001
Clay County21000
Cochran County00000
Coke County00000
Coleman County01020
Collin County1221191637
Collingsworth County00000
Colorado County71811
Comal County956144
Comanche County21041
Concho County00000
Cooke County27522
Coryell County31341
Cottle County00000
Crane County11000
Crockett County20232
Crosby County00241
Culberson County11502
Dallam County01000
Dallas County9211893114102
Dawson County00200
Deaf Smith County11013
Delta County00010
Denton County1721121316
Dewitt County23110
Dickens County00010
Dimmit County27201
Donley County03010
Duval County10000
Eastland County74402
Ector County131014714
Edwards County00310
El Paso County2028211013
Ellis County8117127
Erath County18343
Falls County11010
Fannin County11147
Fayette County52307
Fisher County03210
Floyd County02010
Foard County10010
Fort Bend County2011966
Franklin County02230
Freestone County22150
Frio County40600
Gaines County32311
Galveston County1117121310
Garza County13010
Gillespie County12362
Glasscock County00310
Goliad County02100
Gonzales County58321
Gray County02200
Grayson County117488
Gregg County551466
Grimes County20412
Guadalupe County538101
Hale County04211
Hall County00000
Hamilton County22102
Hansford County01001
Hardeman County03021
Hardin County74322
Harris County121136107135105
Harrison County63976
Hartley County11300
Haskell County13101
Hays County1081078
Hemphill County00000
Henderson County32423
Hidalgo County2629292418
Hill County65543
Hockley County25121
Hood County25034
Hopkins County22547
Houston County13272
Howard County61603
Hudspeth County34365
Hunt County17168
Hutchinson County11130
Irion County04200
Jack County31000
Jackson County11111
Jasper County61423
Jeff Davis County12001
Jefferson County99997
Jim Hogg County10000
Jim Wells County42411
Johnson County9131066
Jones County22014
Karnes County52233
Kaufman County26459
Kendall County60722
Kenedy County10000
Kent County00000
Kerr County47350
Kimble County00061
King County00100
Kinney County10010
Kleberg County12111
Knox County10100
La Salle County45112
Lamar County33241
Lamb County30111
Lampasas County01114
Lavaca County11401
Lee County23650
Leon County62310
Liberty County47549
Limestone County01421
Lipscomb County00000
Live Oak County16431
Llano County22031
Loving County00010
Lubbock County181781112
Lynn County10210
Madison County01240
Marion County30113
Martin County12201
Mason County00001
Matagorda County32822
Maverick County15021
Mcculloch County01310
Mclennan County121312714
Mcmullen County00000
Medina County503410
Menard County10001
Midland County1420121014
Milam County04315
Mills County03010
Mitchell County11100
Montague County13120
Montgomery County2125182112
Moore County41000
Morris County23122
Motley County10000
Nacogdoches County63651
Navarro County53114
Newton County01110
Nolan County45047
Nueces County151210129
Ochiltree County10110
Oldham County20404
Orange County210657
Palo Pinto County23342
Panola County66661
Parker County756118
Parmer County00102
Pecos County03402
Polk County44344
Potter County8118713
Presidio County01010
Rains County11000
Randall County75701
Reagan County12001
Real County20210
Red River County10141
Reeves County84303
Refugio County44101
Roberts County03000
Robertson County20012
Rockwall County30121
Runnels County01020
Rusk County70864
Sabine County21101
San Augustine County01203
San Jacinto County33140
San Patricio County46302
San Saba County11010
Schleicher County30000
Scurry County22001
Shackelford County12000
Shelby County22131
Sherman County00000
Smith County111825916
Somervell County12113
Starr County42101
Stephens County21001
Sterling County01100
Stonewall County00000
Sutton County41110
Swisher County10010
Tarrant County6471605348
Taylor County77626
Terrell County10000
Terry County50201
Throckmorton County00002
Titus County05011
Tom Green County68632
Travis County3733432830
Trinity County20150
Tyler County24121
Upshur County02313
Upton County12210
Uvalde County12010
Val Verde County21110
Van Zandt County64376
Victoria County35516
Walker County8104109
Waller County64128
Ward County12523
Washington County04422
Webb County6361910
Wharton County25442
Wheeler County03013
Wichita County43444
Wilbarger County01221
Willacy County10051
Williamson County7911147
Wilson County26140
Winkler County00100
Wise County42658
Wood County64121
Yoakum County01021
Young County01122
Zapata County20000
Zavala County22010
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Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

For good reason, drunk driving is one of the most notorious causes of road fatalities.

This table offers the 2013-2017 statistics on crash fatalities involving an alcohol-impaired driver in Texas by county according to the National Highway Transportation Safety Administration.

Anderson County35155
Andrews County57809
Angelina County34455
Aransas County21012
Archer County34020
Armstrong County20000
Atascosa County29520
Austin County44021
Bailey County10110
Bandera County75303
Bastrop County7681412
Baylor County12200
Bee County22431
Bell County1618161324
Bexar County8874829571
Blanco County25151
Borden County10000
Bosque County23101
Bowie County96456
Brazoria County1612182317
Brazos County359610
Brewster County11100
Briscoe County00000
Brooks County21100
Brown County01431
Burleson County11244
Burnet County47519
Caldwell County16363
Calhoun County23011
Callahan County30041
Cameron County201291718
Camp County12002
Carson County01111
Cass County10516
Castro County12000
Chambers County57372
Cherokee County62227
Childress County10011
Clay County20002
Cochran County00000
Coke County03211
Coleman County02010
Collin County1521152325
Collingsworth County00300
Colorado County41612
Comal County967107
Comanche County01111
Concho County10001
Cooke County25412
Coryell County23543
Cottle County01000
Crane County02101
Crockett County32102
Crosby County01101
Culberson County13210
Dallam County02100
Dallas County9898103131114
Dawson County22111
Deaf Smith County11010
Delta County20030
Denton County1714121821
Dewitt County02121
Dickens County00001
Dimmit County43200
Donley County01000
Duval County10112
Eastland County34202
Ector County2616221425
Edwards County00200
El Paso County3031333922
Ellis County71111710
Erath County14462
Falls County14110
Fannin County12248
Fayette County63526
Fisher County04011
Floyd County11010
Foard County10000
Fort Bend County2314151714
Franklin County12220
Freestone County22292
Frio County30510
Gaines County52331
Galveston County1222161918
Garza County01011
Gillespie County12224
Glasscock County22110
Goliad County01110
Gonzales County34632
Gray County02214
Grayson County97697
Gregg County477912
Grimes County32655
Guadalupe County738149
Hale County13212
Hall County10200
Hamilton County01102
Hansford County21100
Hardeman County12001
Hardin County73326
Harris County174210170209202
Harrison County124858
Hartley County01111
Haskell County12204
Hays County6951915
Hemphill County01100
Henderson County45648
Hidalgo County2526303825
Hill County45743
Hockley County13322
Hood County23274
Hopkins County11333
Houston County52335
Howard County42542
Hudspeth County63327
Hunt County35468
Hutchinson County05230
Irion County15100
Jack County10100
Jackson County33232
Jasper County42422
Jeff Davis County01000
Jefferson County79111514
Jim Hogg County03110
Jim Wells County45713
Johnson County791489
Jones County23023
Karnes County63420
Kaufman County595139
Kendall County43321
Kenedy County00010
Kent County01001
Kerr County35341
Kimble County10342
King County00000
Kinney County20020
Kleberg County23132
Knox County11100
La Salle County16112
Lamar County42331
Lamb County20121
Lampasas County10021
Lavaca County01203
Lee County54432
Leon County64223
Liberty County969614
Limestone County02400
Lipscomb County00000
Live Oak County53224
Llano County11122
Loving County00110
Lubbock County1719172424
Lynn County00323
Madison County23242
Marion County41213
Martin County01620
Mason County00001
Matagorda County42744
Maverick County12353
Mcculloch County03110
Mclennan County1015141117
Mcmullen County03200
Medina County21554
Menard County00000
Midland County1821171223
Milam County242110
Mills County01100
Mitchell County02301
Montague County13222
Montgomery County2124202824
Moore County94313
Morris County00111
Motley County10000
Nacogdoches County53274
Navarro County46406
Newton County02311
Nolan County12243
Nueces County1417181622
Ochiltree County23000
Oldham County15001
Orange County497911
Palo Pinto County42232
Panola County22300
Parker County451065
Parmer County01101
Pecos County23426
Polk County53534
Potter County131281212
Presidio County00001
Rains County10020
Randall County86762
Reagan County12301
Real County22221
Red River County21212
Reeves County63734
Refugio County15112
Roberts County01004
Robertson County20122
Rockwall County21346
Runnels County13130
Rusk County76754
Sabine County24111
San Augustine County20326
San Jacinto County23353
San Patricio County46316
San Saba County11010
Schleicher County30000
Scurry County12200
Shackelford County01010
Shelby County23343
Sherman County01000
Smith County1017241717
Somervell County12003
Starr County33132
Stephens County00000
Sterling County00000
Stonewall County21000
Sutton County31110
Swisher County10100
Tarrant County6371666984
Taylor County36864
Terrell County00010
Terry County02111
Throckmorton County00000
Titus County12422
Tom Green County98725
Travis County5450714457
Trinity County21261
Tyler County23311
Upshur County13471
Upton County04200
Uvalde County53011
Val Verde County32310
Van Zandt County93475
Victoria County58757
Walker County71131211
Waller County74239
Ward County37613
Washington County16634
Webb County865158
Wharton County55742
Wheeler County05001
Wichita County75695
Wilbarger County12332
Willacy County20144
Williamson County1120191718
Wilson County37121
Winkler County32211
Wise County245116
Wood County35314
Yoakum County02000
Young County01110
Zapata County10110
Zavala County02332
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Teen Drinking and Driving

Sadly, teen drunk driving is a tragic statistic we must discuss.

The Centers for Disease Control reports that nearly twice as many Texas teens died in drunk driving incidents than the national average.

EMS Response Time

Given the large urban-rural divide in Texas, EMS response times can vary greatly by where you live and how populated your city or county is.

The table below breaks down the average EMS response time for urban and rural areas of the Lone Star State, from time of the crash to EMS notification to time of the crash to hospital arrival.

Type of RoadTime of Crash to EMS
Notification (in minutes)
EMS Notification to
EMS Arrival (in minutes)
EMS Arrival at Scene
to Hospital Arrival (in minutes)
Time of Crash to Hospital
Arrival (in minutes)
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Transportation in Texas

According to DataUSA, if you live in Texas, you likely live in a two-car or more household and drive alone to work.

Car Ownership

Texans love their cars. Two-car households make up the largest part of the car-owning population in the state. Three-car households are the next largest, followed by those that own one car.

Commute Time

The following graph shows the average travel time for people in Texas.

Texans have a slightly shorter average commute time of 25.2 minutes than the average national commute time of 25.5 minutes each way. And only about two percent of commuters travel 90 minutes or more for their job.

Commuter Transportation

Though there are many major cities in the state, these cities’ public transportation options are often lacking and under-utilized. Nearly 80 percent of Texans drive alone to work. Most of the remaining workforce either carpooled or work from home.

Traffic Congestion

As you might expect, Texas’s big cities are more prone to traffic congestion than its small towns and rural areas.

The following graph provides the traffic index, average time spent in traffic for a one-way commute, and inefficiency index for the state’s four largest cities: Houston, Dallas, Austin, and San Antonio.

A city’s traffic index is the composite index of commute to work, CO2 consumption while in traffic, dissatisfaction during time consumption, and the overall inefficiency. The inefficiency index is an estimation of the inefficiencies of traffic in a city.

CitiesTraffic IndexTime Spent in Traffic (in minutes)Inefficiency Index
San Antonio130.7529.19127.51
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Has this guide helped you learn more about your liabilities as a driver in Texas?

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