Texas is not unlike the majority of states out there, requiring that residents obtain car insurance. This keeps everyone safer on the road and allows for those who are involved in an accident but not liable to have some recourse in getting their injuries as well as any property damages covered. Because car insurance is required there are many resources where you can buy it, but only way to truly save on your policy. QuoteCarInsurance can offer consumers unprecedented savings on their car insurance, allowing them to compare great rates and get the most affordable insurance available in the Lone Star state. QuoteCarInsurance is simply the most convenient way to shop for and even buy a Texas car insurance policy!



In 2003 Texas residents paid an average of $932 per year in car insurance premiums, being slightly higher than the national average of $914 annually. The problem is that most consumers believe that the rates that they are offered are the best that they can get, so they pay for them. The fact is, even if there are some supposed fixed rates, there are always discounted and highly competitive rates available in Texas, and QuoteCarInsurance makes it simple to find those great deals.

The 2007 year has been a great year for Texans and car insurance, with the first decreases being seen since 1999. Most consumers are seeing a .5% to 1% decrease in car insurance rates from the previous ear. It's QuoteCarInsurance and similar websites that have helped to create this change as our website brings the competition to one place so that the consumer can see that there are money saving options out there!

Inside the state of Texas there have been some rate changes in the last few years that many are not aware of. When we look back at numbers we see that in 1999 most were paying about $778 per year, which means that the state has seen an increase in rates of almost 20% in the last four years! This is ridiculous and if you don't want to waste any more of your hard earned money on policies that could be purchased for less, you don't have to! You can always find the best deals here at QuoteCarInsurance.

Texas Insurance Requirements

The state of Texas doesn't just require any car insurance, instead they have minimum car insurance requirements. The state uses what calls a tort system. A tort system is one that requires one individual to be found at fault for the accident, and it is this person and their insurance company that will pay for all of the damages associated with the accident. If you have become familiar with the details of the tort system in another state you should be sure to take note of the differences of the system in Texas as the systems differ from state to state.

Those that drive in Texas are required to have a minimum bodily injury liability coverage of $20,000 per injured person with a total of up to $40,000 per accident. In addition the driver is required to have property damage liability coverage with a minimum limit of $15,000. This basic coverage is often referred to by agents as 20/40/15. You can buy this minimum required coverage through QuoteCarInsurance.

In addition to this minimum coverage you may also want to purchase personal injury protection coverage, also referred to as PIP. This type of coverage will help pay for reasonable and necessary medical expenses for you as well as others that were in your vehicle. You may also want to purchase uninsured or underinsured motorist coverage, which will cover any bodily injury that is caused by an uninsured driver. This type of coverage is not required by the state of Texas but often comes in very handy.

Whether you have a perfect driving record or have a few blemishes, we can help you find a great rate for you. Whether you are looking for insurance in Texas or in any of the 50 states QuoteCarInsurance can help! We always work hard to provide you with all of the statistics and rate quotes that will allow you to shop for the right policy for you.

MAJOR TEXAS CITIES Population 2000-2005 2,016,582 Houston 1,256,509 San Antonio 1,213,825 Dallas 690,252 Austin 624,067 Fort Worth 598,590 El Paso 362,805 Arlington 283,474 Corpus Christi 250,096 Plano 216,346 Garland 209,737 Lubbock 208,754 Laredo 193,649 Irving 183,021 Amarillo 167,493 Brownsville 144,337 Grand Prairie 143,852 Pasadena 129,902 Mesquite 123,622 McAllen 120,465 Waco 118,870 Carrollton 114,757 Abilene 111,799 Beaumont 104,153 Denton 100,233 Killeen 99,846 Wichita Falls 99,227 Midland 99,187 Richardson 96,581 McKinney 93,546 Odessa 91,936 Tyler 90,348 Lewisville 88,014 San Angelo 86,316 Round Rock 75,754 Sugar Land 75,609 Longview 72,388 College Station 70,793 Frisco 70,000 The Woodlands 69,941 Missouri City 69,222 Allen 68,371 Baytown 66,306 Bryan 63,526 Flower Mound 62,735 Edinburg 62,318 Harlingen 61,790 Victoria 61,490 League City 61,115 North Richland Hills 60,146 Mission 58,986 Pharr 57,466 Galveston 56,790 Pearland 56,684 Port Arthur 55,447 Temple 53,664 Rowlett 51,226 Euless 48,390 Bedford 48,139 Cedar Park 47,460 Grapevine 47,168 New Braunfels 47,042 Conroe 46,111 San Marcos 44,653 DeSoto 44,274 Texas City 41,582 Cedar Hill 41,000 Atascocita 39,875 Haltom City 39,015 Georgetown 38,704 Coppell 38,000 Spring 37,976 Mansfield 37,972 The Colony 37,967 Hurst 36,790 Sherman 36,699 Huntsville 36,020 Del Rio 35,746 Texarkana 35,706 Keller 35,150 Duncanville 34,000 Fort Hood 33,522 Lufkin 33,500 Mission Bend 33,136 La Porte 33,094 Friendswood 32,233 Lancaster 31,500 Channelview 31,442 Weslaco 30,806 Nacogdoches 30,773 San Juan 30,643 Copperas Cove 30,322 Rosenberg 29,685 Socorro 29,613 Burleson 29,354 Rockwall 29,184 Cleburne 29,061 Wylie 28,993 Deer Park 27,531 Pflugerville 27,386 Lake Jackson 26,668 Schertz 26,539 Paris 26,487 Farmers Branch 26,052 Corsicana 26,000 Cloverleaf 25,637 Greenville 25,571 Eagle Pass 25,454 Waxahachie 24,902 Southlake 24,740 Kingsville 24,699 San Benito 24,253 Big Spring 24,230 Seguin 24,006 Marshall 23,806 University Park 23,648 Denison 23,548 Watauga 23,315 Weatherford 22,394 Colleyville 22,171 Alvin 22,010 Kerrville 21,991 Plainview 21,922 Benbrook 21,337 Harker Heights