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A Look At Premiums Inside The Lone Star State

Not many of us are aware of this, but our auto insurance premiums aren’t just based on our driving records, they’re also based on where we live. While our driving record, credit history gender, and make, model and year of our vehicles are all important elements in determining our premium rates, where we live is also an important player.



When you type “car insurance Texas” into the search engine, you’re presented with an overwhelming amount of options. Luckily for you, you’ve landed on CoverHound, where’s it’s our priority to get you the most competitive insurance quotes on the market.



Let’s take a look at premiums inside the Lone Star State.



Texas’s Auto Insurance Laws

Texas requires that their driving constituents be able to pay for any injuries or damages they have caused in an auto collision. According to the Department of Motor Vehicles (DMV) most Texans buy auto liability insurance to satisfy this law.




Auto Liability Insurance: This type of insurance covers injuries and damages to the other person as result of a car accident that you have been found to be at fault for. This coverage type usually pays for medical expenses, income loss, vehicle repair and funerary costs. The minimum limits that Texas has set for auto liability insurance is:





Other optional coverage types that Texas offers its motorists include:





If Texans still prefer to forego auto insurance, they can get a surety bond, cash a $55,000 check deposit with the county judge, deposit with the state comptroller or get a certificate of self-insurance. For the last option, DMV reports that you must own 25 vehicles or more to qualify for certification.





Location and Your Premiums

To show you that your auto insurance premium is partly based on where you live, we selected two Texan cities (Dallas and Rockport) for comparison. Here are the variables we used to get our results:




Vehicle type and Model: 2006 Honda Ex Sedan

Ownership: Owned

Vehicle Use: Commute

Miles Commuted: 15, 5 days a week

Ages: 25, 45, 65

Payments: Monthly





























Dallas, Texas (Pop. 1,197,816)AgeMaleFemale25$100$9845$78$7765$77$75





























Rockport, Texas (Pop. 8,766)AgeMaleFemale25$89$8745$67$6665$66$64



The results include two automatic discounts: Good Driver and Senior discounts. Though keep in mind, this is before you enter your personal history. After gathering basic statistics, our site will ask for other information including:





There are many issues that come into play when you search for a car insurance plan, but one of the more important factors is where you live. In a big city you can expect to pay more for coverage, and in a smaller city, less. Get your insurance quote today with Coverhound.

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