How Much is Car Insurance in Texas

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 Sosialmagz.com – How Much is Car Insurance in Texas Texas is the most expensive country to 10 for car insurance. In the year 2014, the average cost of car insurance in Texas is $905.64, whereas the national average was 866.31. Harris County, was 11 percent above the average of the Texas, and Tom Green County in West Texas, 22 percent below the average Texas, showed variations of costs in the State.
As with any other State, the price is cheap car insurance will vary depending on your driving record, age, gender, and limits the policy you select. Other variables include where you live, and Your neighborhood crime rates.
Another interesting fact, annual vehicle miles traveled across Texas in the year 2016 reached 261,994 billion, which is an increase of 1.5% from 258,122 billion which was attempted in 2015.
The minimum level of coverage required by the Insurance Act motor vehicle Texas State is 30/60/25.
  • $30,000 coverage for bodily injury liability per person
  • $60,000 coverage for bodily injury liability per incident
  • $25,000 liability for property damage coverage per incident
If you failed to show proof of insurance on accidents or traffic jams, this could result in a fine of up to $350. In addition, an additional fee of $250 will be added to your annual licence fee for each of the next three years. You may also be having a license and your registration is suspended until you can show proof of insurance.
Why Car Insurance In Texas Is More Expensive?
There are several reasons why car insurance in Texas is more expensive than any other State. Theft, bikers are not insured, the rising accidents, population growth, and the high cost of vehicle with all lead to higher insurance premiums than in other areas.
  • In the year 2014 Texas have reported vehicle theft 68,546, which is an increase of 4.2% compared to the year 2013. In the year 2014, the level of vehicle theft was 254.3 per 100,000, an increase of 2.4% compared to the year 2013. Vehicle theft rate in Texas is higher than the overall U.S. vehicle theft Rate, i.e. 216.2 per 100,000 in 2014.
  • Drivers who are not insured are another factor that improves the car insurance. About 13.3% of the population of Texas It is expected to drive a car insurance in Texas without insurance. This makes Texas ranked # 19 among u.s. States and the District of Columbia, a bit worse than average.
  • The Texas Department of transportation maintains a site with the data of vehicle accidents. The rate of Fatality in Texas highway for the year 2016 is 1.44 deaths per hundred million vehicle miles traveled. This is an increase of 3.59% of the year 2015. Texas, unfortunately, also led the country in violation of DUI, and only that which is caught. In 2016, there are 987 people were killed in a traffic accident in which a driver of a motor vehicle under the influence of alcohol. This is 26% of the total number of people killed in traffic accident of motor vehicles.
  • Another factor in the level of car insurance is rising population in the State, especially in urban areas. Texas is the country’s rapidly growing, and in cities like Dallas, Houston and San Antonio, increased population densities led to more accidents, especially where the delivery of SMS, speed or alcohol is part of the the equation.
  • Texas may invoke images of an old beater truck, but also have the luxury car, truck, and SUV Luxury that relatively expensive. Larger vehicles are more expensive to repair, and the high cost of spare parts and labor to repair the damaged cars and trucks have pushed the price of car insurance.
A study by the National Association of Insurance Commissioner indicating that the price of coverage of the collision, which is part of the insurance policy to pay to repair the damage after the accident, have climbed in Texas and now occupies ranked fifth highest among the States.
However, the market is competitive, and that means that the driver is not satisfied with what they pay can often find cheap car insurance rates by comparing multiple quotes online.
 
 

 

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