Driving History and Record
Your driving history has a significant impact on your liability insurance rates. Accidents, tickets, and DUIs can increase premiums by up to 67%. Drivers with a clean record pay 7% below average, highlighting the importance of safe driving practices.
Credit Score Impact
In Texas, your credit score plays a crucial role in determining your insurance rates. Drivers with excellent credit often pay half what those with poor credit pay for the same coverage, making it essential to maintain a good credit score.
Location Within Texas
liability insurance rates. For instance, Houston has the highest average monthly premium for full coverage at $201, while El Paso has one of the lowest at $148. Other factors such as age, gender, and marital status also influence rates, with young male drivers typically paying the highest premiums.
City-by-City Comparison of Liability Insurance Rates
Liability car insurance rates in Texas vary significantly across different cities, influenced by factors such as population density and accident rates. Understanding these variations can help drivers make informed decisions when choosing their insurance provider.
Major Cities: Houston, Dallas, Austin
In major Texas cities, liability insurance rates differ substantially. Houston has the highest average monthly premium for liability insurance at $63, largely due to its dense population and high traffic volumes. Dallas follows closely with average rates of $58 per month, while Austin drivers pay approximately $53 monthly for minimum coverage.
- Houston averages $63 per month for liability insurance, driven by high accident rates.
- Dallas drivers pay around $58 monthly for car insurance liability coverage.
- Austin’s average liability rate is $53 per month, relatively lower than Houston and Dallas.
