Why is car insurance in Texas so expensive?

Car insurance in Texas costs a lot because Texas is big and has a ton of people. For full coverage, you might pay about $5,335 a year, or $1,689 for the minimum. That's more than what most people pay across the country.

And guess what? It's getting more expensive every year. The more it costs for insurance companies to cover accidents and stuff, the more they charge us. So even if you don't do anything different, your rates could still go up.

Why is it so pricey in Texas specifically?

1. People are driving more, which means more accidents and more payouts.
2. Fixing cars is getting more expensive because they're fancier now.
3. Some folks are driving without insurance, which means we all have to pay more.
4. Healthcare bills from accidents are going up, and that affects insurance costs.
5. Texas is getting crazier weather, like storms and stuff, which leads to more expensive claims.

But wait, there's more! If you're young, old, live in a busy city, have bad credit, or make a lot of claims, you'll pay even more.

Location, location, location...

You may pay higher rates for car insurance in Texas depending on where you live in the state. Car insurance rates can vary widely depending on your Zip code. For instance, drivers in Houston pay an average of $1,560 per year for car insurance, while those in Wichita Falls pay 20% less than the state average at $1,052 per year.

So, how do you save money on car insurance in Texas?

1. Drive safely and keep a clean record.
2. Shop around and compare prices from different companies every so often.
3. Make sure you're getting all the discounts you can.

By doing these things, you could save a bunch of money each year. Work with a licensed Texas insurance agency who can help you save on car insurance.