Texas Car Insurance Guide
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UPDATED: Jun 23, 2020

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Texas
Texas Statistic Summary
Road Miles 313,596
Registered Vehicles 20,431,631
State Population 28,701,845
Percentage of
Uninsured Motorists
14.10%
Driving Deaths Speeding: 12,024 Drunk Driving: 13,450
Average Premiums Annually
Liability: $528.75 Collision: $374.49 Comprehensive: $206.42
Cheapest Provider: State Farm Mutual Auto and USAA

From the warm, sandy beaches of Galveston to the oil fields near Southfork Ranch made famous by the hit television show Dallas, the great state of Texas has a lot to offer. Austin is a vibrant city filled with music, and Fort Worth keeps the cowboy culture, which Texas is known for alive in the modern age.

No matter where you go in the Lonestar State, you’re sure to find something for everyone.

If you’re exploring this great state by car, there may be something you haven’t considered lately: “Am I paying too much for car insurance?”

Motorists in Texas paid an average of $1,109.66 for car insurance in 2015.

We know car insurance isn’t something you want to spend a lot of time on, so that’s why we’ve compiled this comprehensive guide about cheap car insurance in Texas. We’ve done the work for you so that you can get on with life. Enter your ZIP code to get started.

Table of Contents

Texas Car Insurance Coverage and Rates

The median household income in Texas in 2017 was over $59,206, and drivers paid over $1109 for car insurance. We know everything is big in Texas, but no one wants to pay too much for car insurance. We’re not “big” on that.

What can you do about it? You could spend endless hours searching and calling every company in the state, or you can keep reading and let us do the work for you.

Up next, we’re going to show you what coverage is required in Texas, and other options, so you can choose the best coverage for your needs.

Texas Car Culture

A big state means more mileage on your vehicle. In fact, Texans drive nearly 3,000 more miles yearly than the average American, according to the Federal Highway Administration. Another subject where Texas leads the way is the choice of vehicle most popular in the state.

One out of every six pickup trucks sold nationally is purchased in Texas

Whatever vehicle you drive, one thing we know for sure, is that you need to have the minimum coverage, if not more, to keep you legal and you and your family protected.

Texas Minimum Coverage

If you own a vehicle and plan on driving it anywhere in the state of Texas, you are required by law to purchase insurance in case you are in an accident.

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Let’s take a look at Texas minimum liability insurance requirements:

  • $30,000 for bodily injury liability per person injured in an accident you cause
  • $60,000 for total bodily injury liability when two or more people are injured in an accident you cause
  • $25,000 for property damage per accident you cause

Liability insurance pays all individuals — drivers, passengers, pedestrians, etc. — who are owed compensation for property damage and injuries resulting from a car accident that you or anyone under your policy causes. If you cause an accident, liability insurance pays everyone affected by the crash.

These numbers are for just the minimum requirements. You may want to purchase additional coverage based on your personal needs.

Forms of Financial Responsibility

What is financial responsibility? Financial responsibility is proof that you have the state minimum liability coverage. State laws require every driver and owner of a vehicle to have evidence of financial security at all times. Here are a few acceptable forms of proof of financial security in Texas:

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)
  • Electronic insurance ID card
  • Picture proof of your insurance ID card (can be on your smartphone)

The penalties for driving without proof of car insurance in Texas include:

  • suspension of driving privileges
  • fines of up to $350 for a first offense and up to $100 for subsequent offenses
  • vehicle impoundment for up to 180 days

Our best advice: Always carry the minimum requirements of insurance and never drive without proof of insurance.

Otherwise, you may find yourself meeting a Texas ranger.

Premiums as a Percentage of Income

In Texas, the per capita disposable income is $44,720. On average, residents spend $1,109 a year on car insurance. To put this amount in perspective, the nationwide annual average for car insurance is $981.

This means people in Texas pay more than the countrywide average and more than neighboring states, New Mexico and Oklahoma, who pay yearly amounts of $920 and $985, respectively.

To explain further, using our calculator below, if income is $44,720, and residents spend $1,109 yearly on car insurance, that means Texans are paying 2.48 percent of personal income on car insurance. The good news, however, is that this percentage has decreased over the last three years from a high of 2.61 percent.

You can also use our calculator to know how much you are spending on premiums.

CalculatorPro

Average Monthly Car Insurance Rates in TX (Liability, Collision, Comprehensive)

The main concern of almost every Texas motorist is the rising cost of car insurance.

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The table below shows data based on the state’s minimum requirements provided by the National Association of Insurance Commissioners, which is an agency dedicated to keeping up with the changing costs of car insurance. As the data reflects, Texans pay $100 more than the countrywide average of $1,009.

Coverage TypeAnnual Costs (2015)
Liability$528.75
Collision$374.49
Comprehensive$206.42
Combined$1,109.66
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This data is from 2016, so rates may have increased even more, and one thing to remember: your rates could be higher or lower based on your provider and individual circumstances.

Additional Liability

To assess the financial health of insurance companies, you should look at its loss ratios. Loss ratios are the money insurance companies payout on claims compared to the money they take in on premiums.

This video explains more:

For example, if an auto insurer collects $100,000 of premiums in a given year and pays out $45,000 in claims, the company’s loss ratio is 45 percent ($45,000 incurred losses/$100,000 earned premiums).

Check out the loss ratio for these types of coverage in Texas:

Loss Ratio201520142013
Personal Injury Protection 60.73% 66.3% 64.35%
Medical Payments 69.55% 68.78% 65.76%
Uninsured/Underinsured Motorist Coverage 64% 61.36% 53.54%
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The additional coverage types above are all optional liability plans which can be added to any basic insurance policy.

Here’s an interesting fact:

14.1 percent of drivers in Texas are uninsured. Texas is ranked 16th in the U.S. for uninsured/underinsured drivers.

Even though drivers aren’t required by law to carry these add-ons, it still might be a great addition to your policy.

Add-ons, Endorsements, and Riders

No one wants to have an accident, but if you do, will you have enough protection for you and your family? Have you considered adding extra coverages to your policy?

Choosing from a list of options can be daunting, and we know you want the best options for your family at affordable prices. To help you decide, we’ve made a list of affordable options to add to your policy.

Check out the selections below:

The great thing about these extra coverages is that they are optional, and therefore, not required in Texas.

Average Monthly Car Insurance Rates by Age & Gender in TX

Inc.com wrote an article that says women pay $100,000 more for the same products as men do. Gender discrimination in car insurance rates is such a problem that California and other states banned gender discrimination and created gender-neutral insurance plans.

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In the following table, we partnered with Quadrant data to show you what various folks pay for car insurance based on gender and marital status. This data is based on actual coverage purchased by the state population and includes high-risk drivers and those who purchased additional coverage.

CompanyMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rateSingle 17-year old female annual rateSingle 17-year old male annual rate
Allstate F&C$3,564.65$3,599.14$3,520.01$3,520.01$4,410.14$4,599.76$9,359.61$11,309.20
The General Automobile Ins Co Inc$2,918.37$3,249.14$2,712.68$3,109.48$4,191.50$4,782.23$7,713.17$10,116.84
Geico County Mutual Ins Co.$2,433.73$2,622.73$2,340.42$2,649.67$2,632.39$2,627.86$5,298.09$5,502.21
Nationwide CCMIC$2,430.55$2,473.88$2,146.15$2,275.09$2,851.87$3,088.49$6,856.66$8,817.88
Progressive Cty Mtl$2,496.28$2,372.24$2,219.05$2,262.84$2,956.93$2,997.99$10,406.29$11,607.15
State Farm Mutual Auto$2,020.71$2,020.71$1,797.39$1,797.39$2,195.23$2,262.71$4,814.71$6,130.76
USAA$1,594.84$1,608.07$1,522.66$1,516.79$2,125.64$2,286.61$4,423.33$4,827.05
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As you see from the table, in some cases, teen drivers pay thousands more than older drivers do for car insurance. Unfortunately, for parents, those insurance rates are thousands higher than what they pay. However, in some instances, married folks pay less than their single counterparts.

Cheapest Rates by ZIP code

In addition to gender and age, where you live, can affect your auto insurance rates. We’ve collected data on the least and most expensive ZIP codes, so search to see where your ZIP code lands on the list.

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The table below reflects the top 25 ZIP codes in Texas with the lowest rates on car insurance.

Zip CodeCityAverage Annual Rate by Zip CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
76901SAN ANGELO$3,157.68Allstate$4,542.85American Family$3,786.57USAA$2,191.07State Farm$2,428.78
76904SAN ANGELO$3,158.56Allstate$4,542.85Progressive$3,809.41USAA$2,074.47State Farm$2,401.91
76939KNICKERBOCKER$3,209.72Allstate$4,542.85American Family$3,866.31USAA$2,086.49State Farm$2,422.19
76306WICHITA FALLS$3,210.65Allstate$4,736.95American Family$3,838.60USAA$1,891.48State Farm$2,518.20
76909SAN ANGELO$3,224.21Allstate$4,542.85Progressive$3,954.71USAA$2,074.47State Farm$2,422.19
76502TEMPLE$3,260.31Allstate$4,841.18American Family$3,890.07USAA$2,228.61GEICO$2,679.10
76886VERIBEST$3,267.18Allstate$4,926.00American Family$3,815.43USAA$2,191.07State Farm$2,422.19
76798WACO$3,267.20Allstate$5,137.52Progressive$3,902.02Nationwide$2,326.70USAA$2,345.00
76712WOODWAY$3,268.96Allstate$5,153.61Progressive$4,103.39Nationwide$2,245.76USAA$2,276.47
76908GOODFELLOW AFB$3,281.51Allstate$4,542.85American Family$3,972.20USAA$2,074.47State Farm$2,437.99
75110CORSICANA$3,285.30Allstate$4,920.59Progressive$3,748.30USAA$2,189.79GEICO$2,551.76
76354BURKBURNETT$3,293.59Allstate$4,898.60American Family$3,869.85USAA$2,065.82State Farm$2,533.62
76543KILLEEN$3,306.33Allstate$4,929.48American Family$4,125.00USAA$2,227.94State Farm$2,673.85
76309WICHITA FALLS$3,315.43Allstate$4,816.42American Family$4,292.15USAA$2,065.82GEICO$2,530.78
76706WACO$3,320.96Allstate$5,137.52American Family$4,044.42Nationwide$2,326.70USAA$2,345.00
76905SAN ANGELO$3,322.35Allstate$4,926.00Progressive$4,180.44USAA$2,091.54State Farm$2,389.41
76903SAN ANGELO$3,331.83Allstate$4,799.16American Family$4,047.69USAA$2,187.37State Farm$2,424.89
76957WALL$3,332.11Allstate$4,542.85Progressive$3,999.84USAA$2,191.07State Farm$2,422.19
76513BELTON$3,334.52Allstate$5,137.52American Family$3,792.42USAA$2,184.73State Farm$2,632.49
76564PENDLETON$3,336.13Allstate$5,114.28American Family$3,910.53USAA$2,199.69State Farm$2,658.77
76710WACO$3,337.22Allstate$5,128.65American Family$3,865.74USAA$2,276.47GEICO$2,681.32
76711WACO$3,347.58Allstate$5,153.61Progressive$3,857.42USAA$2,276.47GEICO$2,690.25
77881WELLBORN$3,347.60Allstate$4,860.77Progressive$3,942.06USAA$2,198.68State Farm$2,671.94
76311SHEPPARD AFB$3,351.07Allstate$4,975.86American Family$4,243.10USAA$1,891.48GEICO$2,530.78
76310WICHITA FALLS$3,351.57Allstate$4,952.60American Family$4,289.31USAA$2,065.82State Farm$2,480.04
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It’s good news for State Farm customers who live in San Angelo. They pay the lowest rates in the state averaging $2,428 yearly. USAA also has cheap rates, but their coverage is only available to those in and affiliated with the military.

The table below reflects the top 25 ZIP codes in Texas with the most expensive rates on car insurance.

Zip CodeCityAverage Annual Rate by Zip CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
78049LAREDO$5,538.80American Family$11,340.83Progressive$7,300.88USAA$2,748.03State Farm$3,078.58
78599WESLACO$5,452.78American Family$11,340.83Allstate$6,223.28State Farm$2,972.86USAA$3,185.94
77036HOUSTON$5,430.22American Family$9,058.31Allstate$7,237.52USAA$3,028.85State Farm$3,600.90
77033HOUSTON$5,271.84American Family$8,080.72Allstate$7,297.35USAA$3,021.85State Farm$3,649.74
77072HOUSTON$5,247.11American Family$9,024.11Allstate$6,217.03USAA$3,028.85State Farm$3,485.64
75207DALLAS$5,225.75Allstate$7,664.33Progressive$7,367.34USAA$2,935.83State Farm$3,620.92
77053HOUSTON$5,188.07American Family$8,091.63Allstate$7,155.33USAA$3,035.35State Farm$3,538.37
77060HOUSTON$5,173.49American Family$7,251.55Allstate$6,756.97USAA$3,031.86State Farm$3,941.98
77067HOUSTON$5,166.35American Family$7,397.64Allstate$7,135.70USAA$3,031.86State Farm$3,965.58
77076HOUSTON$5,164.01Allstate$7,297.35American Family$6,965.79USAA$3,007.16State Farm$3,863.19
77091HOUSTON$5,162.46Allstate$7,297.35American Family$6,976.94USAA$3,155.30State Farm$3,768.48
77078HOUSTON$5,154.98Allstate$7,352.64American Family$7,217.59USAA$3,158.70State Farm$3,763.05
75242DALLAS$5,150.98Allstate$7,822.46Progressive$7,730.91USAA$3,035.63GEICO$3,508.43
79430LUBBOCK$5,143.23American Family$11,340.83Progressive$7,300.88USAA$2,679.39State Farm$2,898.28
77037HOUSTON$5,141.92Allstate$7,292.85American Family$6,534.37USAA$3,031.86State Farm$3,803.26
77022HOUSTON$5,115.43Allstate$7,297.35American Family$6,978.54USAA$3,007.16State Farm$3,906.52
77039HOUSTON$5,115.40American Family$7,325.25Allstate$6,770.35USAA$3,007.16State Farm$3,857.41
77081HOUSTON$5,113.05American Family$7,787.38Allstate$7,121.41USAA$3,179.07State Farm$3,384.26
77088HOUSTON$5,111.68American Family$8,232.62Allstate$6,585.55USAA$3,155.30State Farm$3,823.85
77016HOUSTON$5,108.01Allstate$7,352.64American Family$6,981.03USAA$3,007.16State Farm$3,777.08
77028HOUSTON$5,107.10Allstate$7,664.33American Family$6,909.53USAA$3,158.70State Farm$3,494.20
77093HOUSTON$5,104.27Allstate$7,286.61American Family$6,716.86USAA$3,158.70State Farm$3,838.99
77026HOUSTON$5,098.02Allstate$7,352.64American Family$7,017.25USAA$3,158.70State Farm$4,012.27
77050HOUSTON$5,097.68Allstate$7,306.24American Family$6,677.08USAA$3,007.16State Farm$3,762.08
75210DALLAS$5,095.76Allstate$7,664.33American Family$7,286.10USAA$3,025.08State Farm$3,565.59
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Texans who live in Laredo have the most expensive rates in the state topping out at $11,340 per year.

Cheapest Rates by City

We’ve also collected data on car insurance rates by city. Below is a list of the least expensive and most expensive cities for car insurance. Enter your city in the search box to see if you made the list.

The table below reflects the top 25 cities in Texas with the lowest rates on car insurance.

CityAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Grape Creek$3,157.68Allstate$4,542.85American Family$3,786.57USAA$2,191.07State Farm$2,428.78
Knickerbocker$3,209.72Allstate$4,542.85American Family$3,866.31USAA$2,086.49State Farm$2,422.19
San Angelo$3,259.24Allstate$4,702.71Progressive$3,992.96USAA$2,106.96State Farm$2,409.60
Veribest$3,267.18Allstate$4,926.00American Family$3,815.43USAA$2,191.07State Farm$2,422.19
Goodfellow AFB$3,281.51Allstate$4,542.85American Family$3,972.20USAA$2,074.47State Farm$2,437.99
Burkburnett$3,293.59Allstate$4,898.60American Family$3,869.85USAA$2,065.82State Farm$2,533.62
Robinson$3,320.96Allstate$5,137.52American Family$4,044.42Nationwide$2,326.70USAA$2,345.00
Wall$3,332.11Allstate$4,542.85Progressive$3,999.84USAA$2,191.07State Farm$2,422.19
Belton$3,334.52Allstate$5,137.52American Family$3,792.42USAA$2,184.73State Farm$2,632.49
Pendleton$3,336.13Allstate$5,114.28American Family$3,910.53USAA$2,199.69State Farm$2,658.77
Beverly Hills$3,347.58Allstate$5,153.61Progressive$3,857.42USAA$2,276.47GEICO$2,690.25
Wellborn$3,347.60Allstate$4,860.77Progressive$3,942.06USAA$2,198.68State Farm$2,671.94
Sheppard AFB$3,351.07Allstate$4,975.86American Family$4,243.10USAA$1,891.48GEICO$2,530.78
Wichita Falls$3,357.55Allstate$4,892.91American Family$4,292.31USAA$2,017.62GEICO$2,530.78
Christoval$3,359.14Allstate$4,542.85Progressive$4,363.18USAA$2,086.49State Farm$2,384.33
Temple$3,360.15Allstate$5,049.46American Family$4,170.69USAA$2,202.93GEICO$2,679.10
Mexia$3,361.10Allstate$5,091.11American Family$3,727.04USAA$2,189.79State Farm$2,618.65
Heidenheimer$3,364.77Allstate$5,153.61Progressive$4,006.20USAA$2,243.44State Farm$2,658.77
Iowa Park$3,367.05Allstate$5,109.77American Family$3,848.86USAA$2,065.82State Farm$2,496.96
Tennyson$3,367.34Allstate$4,799.16Progressive$4,001.70USAA$2,223.72State Farm$2,464.41
Copperas Cove$3,368.96Allstate$5,075.02Progressive$3,714.41USAA$2,250.13State Farm$2,640.95
West$3,373.02Allstate$5,223.83American Family$3,709.63USAA$2,409.44GEICO$2,608.93
Killeen$3,375.97Allstate$4,975.95American Family$4,281.63USAA$2,202.42State Farm$2,678.96
Presidio$3,379.33Allstate$4,542.85American Family$4,486.47USAA$2,341.36State Farm$2,485.11
Hewitt$3,382.22Allstate$4,841.18Progressive$3,805.97USAA$2,337.64GEICO$2,679.10
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Besides, USAA, who is only for military-affiliated families, State Farm is a great option occupying 18 of the top 25 slots for the least expensive car insurance in Texas.

The table below reflects the top 25 cities in Texas with the most expensive rates on car insurance.

CityAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company
Weslaco$5,452.78American Family$11,340.83Allstate$6,223.28State Farm$2,972.86USAA
Texhoma$5,290.29American Family$11,340.83Progressive$7,937.62USAA$2,417.11State Farm
Aldine$5,143.60American Family$7,037.06Allstate$6,940.06USAA$3,023.62State Farm
Cockrell Hill$4,805.29Allstate$6,750.75American Family$6,361.56USAA$2,898.46State Farm
North Houston$4,799.60Progressive$7,300.88Allstate$6,438.51USAA$2,760.28State Farm
Houston$4,770.73American Family$6,846.57Allstate$6,514.79USAA$2,931.67State Farm
Garciasville$4,762.95Progressive$7,172.16Allstate$6,903.43State Farm$2,719.54USAA
South Houston$4,748.61Allstate$6,493.81American Family$6,132.67USAA$3,023.90State Farm
Galena Park$4,739.02Allstate$6,493.81American Family$6,255.89USAA$3,163.52State Farm
Linn$4,726.10Progressive$6,965.34Allstate$6,148.71State Farm$3,080.73USAA
Four Corners$4,725.43American Family$7,099.38Allstate$5,778.86USAA$3,026.34State Farm
Santa Elena$4,706.00Progressive$6,792.94Allstate$6,588.22State Farm$2,719.54USAA
Dallas$4,682.06Allstate$6,793.69American Family$6,354.16USAA$2,842.16State Farm
McAllen$4,673.94Allstate$6,096.88American Family$6,072.08USAA$2,893.08State Farm
Hidalgo$4,664.22Allstate$6,588.22Nationwide$6,084.75USAA$2,893.08State Farm
Fresno$4,655.49American Family$6,911.13Allstate$5,956.87USAA$3,045.00State Farm
Devers$4,645.50Progressive$6,929.03American Family$5,960.18USAA$2,789.77State Farm
Edcouch$4,631.97Allstate$6,320.76American Family$5,478.44State Farm$3,047.18USAA
Doolittle$4,631.85Allstate$6,167.63Nationwide$5,705.17USAA$3,013.60State Farm
Grulla$4,624.28Progressive$6,837.33Allstate$6,143.37State Farm$2,719.54USAA
Sullivan City$4,608.29Allstate$6,710.46Nationwide$5,455.81State Farm$3,098.35USAA
Alief$4,606.74Allstate$6,217.03Progressive$5,819.67USAA$2,686.48State Farm
Channelview$4,605.85Allstate$6,681.17American Family$6,115.98USAA$2,869.94State Farm
Hilshire Village$4,604.38Allstate$6,378.68American Family$6,105.10USAA$2,986.57State Farm
Alton$4,599.58Allstate$6,355.48American Family$5,498.36USAA$2,863.94State Farm
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The city of Weslaco leads the way for the city with the most expensive car insurance at $5,450 per year.

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Best Texas Car Insurance Companies

If you own a vehicle, there’s a good chance you are paying too much for your insurance. But it isn’t just cost that should be considered when shopping for car insurance.

Who wants to spend time looking for the lowest price? That’s why we’ve done all the work for you and researched the best insurance carriers in Texas so you can make the best choice for your situation. We’ve looked at companies’ financial ratings, A.M.’s best ratings, and which companies have the most complaints.

Keep reading to learn more about auto insurance providers in Texas.

The Largest Companies Financial Rating

Loss ratios play a large part in how secure a company is doing financially. That’s why we want to include A.M. Best ratings, which look at loss ratios to determine if a company has solid financial security.

What are AM Best Ratings?

AM Best Ratings are how we measure a company’s financial strength. We can also measure a company’s strength by loss ratio percentages.

All of the companies listed below show AM Best Ratings of an A rating or higher. They also all have great loss ratio percentages.

CompanyAM Best RatingDirect Premiums WrittenLoss RatioMarket Share
State Farm GroupA++$3,563,12078.29%16.83%
GeicoA++$2,637,48988.18%12.46%
Allstate Insurance GroupA+$2,362,58466.19%11.16%
Progressive GroupA+$2,041,34568.91%9.64%
Farmers Insurance GroupNR$1,842,73566.07%8.70%
USAA GroupA++$1,712,94988.30%8.09%
Liberty Mutual GroupA$1,195,73583.96%5.65%
Texas Farm Bureau Mutual GroupA-$693,00477.31%3.27%
Consumers County Mutual Insurance CoNR$541,82586.45%2.56%
Nationwide Corp GroupA+$473,34265.53%2.24%
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Companies with Best Ratings

Texas drivers who want greater insight into customer satisfaction can turn to J.D. Power. For years, the company has surveyed consumers and analyzed their feedback. J.D. Power delves into whether drivers are happy with their insurance company.

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Through its 2019 U.S. Auto Insurance Study, auto insurance companies are ranked by region and measured in five areas (in order of importance):

  • Interaction
  • Policy offerings
  • Price
  • Billing process and policy information
  • Claims

J.D. Power additionally assigns “Power Circle Ratings” to each insurer. They are:

  • Five out of Five Circles, also known as “Among the Best”
  • Four out of Five Circles/“Better than Most”
  • Three out of Five Circles/“About Average”
  • Two out of Five Circles/“The Rest”

Here’s a look at how insurers fared in the study’s Mid-Atlantic region. We placed them in order of their customer satisfaction index rating, from highest to lowest:

Insurance ProviderCustomer Satisfaction
Index Rating
(out of 1,000)
JDPower.com
Power Circle Ratings
TX Farm Bureau8575/5
Allstate8363/5
Geico8363/5
State Farm8353/5
Texas Average8353/5
Farmers8343/5
Auto Club of Southern California Insurance Group8313/5
Nationwide8293/5
Progressive8162/5
Liberty Mutual8022/5
USAA8945/5
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Of the larger providers, Allstate and Geico lead the way with an overall satisfaction score of 836. Conversely, Liberty Mutual is at the bottom of the list when it comes to customer satisfaction, with a score of 802. Additional top providers like State Farm and Farmers are only separated by two points when it comes to customer satisfaction.

Lastly, it’s worth mentioning USAA’s status on this list. Though the insurer is part of the study, it is not ranked. This is because USAA is only open to U.S. military personnel and their families, and therefore, is not included in J.D. Power’s overall rankings.

Next, let’s check out their record of official complaints.

Companies with Most Complaints in Texas

One thing to keep in mind is that a high complaint index doesn’t necessarily mean you should avoid a company. You should also look at a company’s customer satisfaction ratings because how a company deals with complaints is also important.

CompanyNational Median
Complaint Ratio
Company Complaint
Ratio 2017
Total Complaints
2017
State Farm Group10.441482
Geico0.0076
Allstate Insurance Group10.5163
Progressive Group10.75120
Farmers Insurance Group10.597
USAA Group02
Liberty Mutual Group15.95222
Texas Farm Bureau Mutual Group10.163
Consumers County Mutual Insurance Co10.15
Nationwide Corp Group10.2825
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If you want more details of the complaints or to check out other insurers, the data is provided in the Consumer Insurance Search section on the website of the National Association of Insurance Commissioners.

Cheapest Companies in Texas

Do you like saving money? We do. That’s why we’ve compiled a list of the companies that have the cheapest rates in Texas. To save money, you should shop around to see what’s available. The table below displays the top carriers in Texas and their average rate for all drivers and compares it to the state average of all companies.

CompanyAverage Annual RateCompared to State AveragePercentage Compared to State Average
Allstate F&C$5,485.32$1,556.9828.38%
The Gen Automobile Ins Co Inc$4,849.18$920.8418.99%
Geico County Mutual Ins Co.$3,263.39-$664.95-20.38%
Nationwide CCMIC$3,867.57-$60.77-1.57%
Progressive Cty Mtl$4,664.85$736.5115.79%
State Farm Mutual Auto$2,879.95-$1,048.39-36.40%
USAA$2,488.12-$1,440.22-57.88%
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According to the data, State Farm and Geico are the companies you should consider first if you’re looking for the cheapest car insurance.

Commute Rates by Companies

At some companies, how far you drive each day influences your insurance rates. Beyond age, gender, location, marital status, and carrier, other factors that affect your quoted rates from each carrier are those specific to your situation, such as how much coverage you want, credit history, and driving record.

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The tables below compare such factors based on each carrier.

Company10 miles commute / 6,000 annual mileage25 miles commute / 12,000 annual mileage
Allstate$5,354.10$5,616.53
American Family$4,849.18$4,849.18
Geico$3,201.27$3,325.50
Nationwide$3,867.57$3,867.57
Progressive$4,664.85$4,664.85
State Farm$2,879.95$2,879.95
USAA$2,456.42$2,519.83
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Most company rates don’t change when the drive shortens to a 10-mile commute, except for Allstate, who offers rate reductions of over $260.

Coverage Level Rates by Companies

Do you need better coverage, but don’t want to spend any more money? You might be surprised some companies offer more coverage with only small increases in rates.

CompanyLow CoverageMedium CoverageHigh Coverage
Allstate$5,361.24$5,438.89$5,655.81
American Family$4,517.27$4,672.73$5,357.52
Geico$3,090.73$3,221.75$3,477.68
Nationwide$4,165.19$3,701.00$3,736.52
Progressive$4,431.31$4,642.33$4,920.90
State Farm$2,729.50$2,870.49$3,039.86
USAA$2,403.46$2,477.96$2,582.94
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For example, the data above shows State Farm has less than $300 increases from low to high coverage.

Credit History Rates by Companies

The quality of your credit score impacts your insurance rates. In Texas, the average credit score is 656, which is significantly below the nationwide average of 675. This means motorists may have difficulty getting great rates because of their below-average credit scores.

The table below shows what you can expect to pay yearly on car insurance based on your credit history.

CompanyGood Credit HistoryFair Credit HistoryPoor Credit History
Allstate$4,370.89$5,107.95$6,977.11
American Family$3,672.27$4,205.41$6,669.84
Geico$1,902.16$2,851.60$5,036.40
Nationwide$3,235.20$3,722.88$4,644.64
Progressive$4,201.38$4,536.59$5,256.57
State Farm$2,023.50$2,538.85$4,077.51
USAA$1,696.02$2,109.52$3,658.82
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If you have coverage through Geico and have poor credit, you can expect to pay nearly $4,000 more for car insurance than someone with good credit.

Driving Record Rates by Companies

Have you gotten a speeding ticket? Did you know it could raise your car insurance rates?

A clean driving record is the easiest way to keep rates down. As you can see from the information below, at Nationwide, just one speeding violation can raise your rate by over $400.

CompanyClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
Allstate$4,270.52$4,270.52$6,562.28$6,837.95
American Family$4,418.84$4,418.84$5,627.66$4,931.37
Geico$2,769.60$3,570.55$3,651.43$3,061.96
Nationwide$3,351.99$3,789.11$3,351.99$4,977.19
Progressive$4,066.74$4,581.27$5,258.36$4,753.00
State Farm$2,561.35$2,561.35$2,934.63$3,462.47
USAA$1,858.11$2,132.96$2,737.39$3,224.03
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A better record equals better rates. We encourage you to obey posted speed limit signs and NOT drink and drive.

Largest Car Insurance Companies in Texas

Here’s a list of the largest car insurance companies in Texas. State Farm is the largest provider in Texas, where 16.83 percent of Texans purchase their insurance.

CompanyDirect Written PremiumsLoss RatioMarket Share
State Farm Group$3,563,12078.29%16.83%
Geico$2,637,48988.18%12.46%
Allstate Insurance Group$2,362,58466.19%11.16%
Progressive Group$2,041,34568.91%9.64%
Farmers Insurance Group$1,842,73566.07%8.70%
USAA Group$1,712,94988.30%8.09%
Liberty Mutual Group$1,195,73583.96%5.65%
Texas Farm Bureau Mutual Group$693,00477.31%3.27%
Consumers County Mutual Insurance Co$541,82586.45%2.56%
Nationwide Corp Group$473,34265.53%2.24%
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Who are the largest car insurance companies in Texas?

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Number of Insurers in Texas

Domestic insurance means a company is formed under Texas state laws, whereby a foreign provider is formed under the laws of any state in the country.

  • Domestic Insurers: 199
  • Foreign Insurers: 937

Up next, we discuss how insurance laws are formed, why they are essential to know, and much more.

Texas Laws

Insurance companies are subject to specific rules and regulations. These regulations are in place to protect the consumer against fraud other untoward activities. Let’s look at some of the specific laws for consumers regarding car insurance.

How State Laws for Insurance are Determined

The states employ a variety of rate regulation mechanisms. Options include: 1) determined by Commissioner; 2) prior approval; 3) modified prior approval; 4) flex rating; 5) file and use; 6) use and file; and 7) no file.

Texas uses two processes: prior approval and by regulating policy forms as needed, according to Chapter 2301 (Art. 5.145 & Sect. 8, Art. 5.13-2, TX INS CODE).

Prior Approval: Rates/forms must be filed with and approved by the state insurance department before they can be used. Approval can be by means of a deemer provision, which indicates approval if rates/forms are not denied within a specified number of days.

It may be something you haven’t thought about a lot, but how laws are determined can have a significant impact on your car insurance rates.

Windshield Coverage

Unfortunately, there aren’t any laws regarding windshield repair in Texas at this time.

However, individual insurance companies may offer windshield repair coverage with a comprehensive insurance plan.

High-Risk Insurance

What happens with motorists who consistently accumulate points on their driving record? Initially, insurance providers raise their rates, but at times, it gets riskier to insure such motorists. When a motorist becomes high-risk, they can be denied coverage by insurance providers.

According to the Texas Department of Public Safety, high-risk drivers must file a Financial Responsibility Insurance Certificate (SR-22) to verify that they have liability insurance.

Texas also offers a program, the Texas Automobile Insurance Plan Association (TAIPA), to help “high-risk” drivers buy insurance. To qualify, at least two carriers must have denied them coverage within 60 days. Their insurance carrier must apply on their behalf. They don’t need proof of refusal to insure, but they must sign a statement.

TAIPA offers the state-required minimum coverage and the following types and levels:

  • $2,500 Personal Injury Protection (PIP) — Medical Payments coverage not available
  • $30,000/60,000/25,000 of Uninsured/Underinsured Motorist coverage

In this plan, high-risk drivers are distributed equitably among insurers who are licensed to write insurance in the market of Texas in proportion to their market share. This practice enables a fair risk-sharing between all insurance providers.

Low-Cost Insurance

Though Texas has a program to help high-risk drivers, it doesn’t have one for low-income drivers.

California, Hawaii, and New Jersey are the only states with government-funded programs to help low-income drivers pay for their car insurance.

Automobile Insurance Fraud in Texas

What is automobile insurance fraud? Creating a claim for damages or injuries that never occurred (such as faking an accident) or adding “extra” costs onto a legitimate claim are examples of fraud.

Auto insurance fraud is a crime in Texas and includes the following penalties:

  • When the claim amount is less than $50: Anything lower than $50 is considered a “Class C” misdemeanor, with a fine of $500.
  • When the claim amount is more than $200,000: fines up to $10,000 and/or jail time of five to 99 years.

In 2017, the Texas fraud unit received 7,756 reports of motor vehicle insurance fraud, which made up more than 60 percent of the overall insurance fraud claims.

If you suspect insurance fraud and would like to report it, or you need assistance with an insurance claim, please contact the Texas State Department of Insurance at 512-676-6000, write to P.O. Box 149104, Austin, TX 78701, or visit their office located at the address listed below.

333 Guadalupe Austin, TX 78701

Statute of Limitations

If you are in a car accident in Texas, there is a statute of limitations if you want to file a claim. Watch this video to learn more:

To recap, if you are involved in an automobile accident in Texas, you have two years from the date of the incident to file a claim for personal injury or property damage.

Texas Specific Laws

Every state makes its laws, and they may be similar to ones already on the books in other states. One rule we discovered which is unique to Texarcana is horseriders must have taillights on their horses while riding at night.

Whoa, there. Hold on a minute. We’re not sure how many horses will appreciate having taillights unless it’s a Ford Mustang, so we’ll just move along to other laws in Texas to help keep you safe and legal on the road.

Vehicle Licensing Laws

Texas, just like every other state, has mandatory licensing laws in addition to the statute of limitations and car insurance laws we previously covered.

Below, we’ll cover the requirements for getting and renewing a driver’s license and the state’s “points” system for penalties.

REAL ID

Texas is in full compliance with the REAL ID Act passed by Congress and enforced by Homeland Security. This means that a driver’s license or state ID issued by the Lone Star State is an acceptable form of identification at federal facilities, airports, and nuclear power plants.

One important date to remember is October 1, 2020. After that date, if you haven’t upgraded to the REAL ID, you may not be able to fly or enter certain government facilities.

Penalties for Driving Without Insurance

In Texas, you must show proof of insurance in the following situations:

  • Whenever a police officer asks for it
  • If you get into a car accident
  • When you register or renew your car’s registration
  • When you apply for or renew your driver’s license
  • When your car undergoes an inspection

Government agencies, including local police and sheriff departments, use the online TexasSure program to verify whether drivers have car insurance. If the system shows a driver is uninsured or there is inconsistent information regarding their insurance, they may receive the following notices:

  • Unmatched notice – Drivers will get this notice if they’re on record as having car insurance, but the coverage doesn’t match the car registration.
  • Uninsured notice – Drivers will get this notice if they’ve registered a vehicle without car insurance.

But what if you are caught driving without insurance? According to the Texas Department of Public Safety and the Transportation Code, Title 7., these are the penalties you face:

Penalties for Driving Without Insurance in TexasDetails
First Offense- Fine: $175 to $350 fine
- pay up to a $250 surcharge every year for three years (may be reduced with certain requirements)

Second Offense- Fine: $350 to $1000
- pay up to a $250 surcharge every year for three years (may be reduced with certain requirements)
- suspend the driver's license and vehicle registrations of the person unless the person files and maintains evidence of financial responsibility with the department until the second anniversary of the date of the subsequent conviction
- Impoundment: for 180 days and
cannot apply for release of car without evidence of financial responsibility and impoundment fee of $15/day
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Our best advice: drive legal and always carry the Texas minimum requirements for car insurance.

Teen Driver Laws

To begin driving in Texas, people who are 15 or older but under 18 must satisfactorily complete and pass the classroom phase of an approved driver education course to be issued a permit.

Check out these teen driving laws in the table below.

Requirements for Getting a License in TexasDetails
Mandatory Holding Period6 months
Minimum Supervised Driving Time30 hours, 10 of which must be at night
Minimum Age16 years old (the minimum license age is 18 for applicants who have not completed driver education)
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Teens can apply for a provisional or intermediate license if they’ve satisfied the requirements under the learner’s permit. These are the laws for young drivers with a restricted license.

Restricted License Laws in TexasDetails
Nighttime restrictionsmidnight-5 a.m.
Passenger restrictions (family members excepted unless noted otherwise)no more than 1 passenger younger than 21 secondary enforcement
Minimum age at which restrictions may be lifted
Nighttime restrictionsuntil age 18
Passenger restrictionsuntil age 18
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Older Driver License Renewal Procedures

Texas has different license renewal requirements based on the driver’s age. Drivers younger than age 85 must renew their licenses every eight years. Those 85 or older must renew their licenses every two years.

Texans can renew their licenses within a year before they’re supposed to expire and up to two years after their licenses have expired. However, if two years have passed since the license expired, residents must apply for a new one.

Drivers age 79 or older must provide proof of adequate vision at every renewal.

New Residents

Are you moving to Texas? You need to make sure your insurance is updated to meet the minimum liability insurance required by the state. To do so, new residents will need to contact their current insurance provider to provide updated address information.

To apply for your new driver’s license, you will need to provide:

  • Proof of identity (such as your valid out of state license)
  • Proof of residency
  • Proof of U.S. citizenship or lawful presence
  • Proof of social security number
  • Proof of vehicle registration in Texas (assuming you have a car titled to your name)

License renewal procedures

Methods of renewal: If you’re younger than age 79, you can renew your license by phone, mail, or online at every other renewal. Drivers under 18 and older than 79 must renew their licenses in-person at a local DMV office.

The DMV requires proof of adequate vision for drivers younger than age 79 if they renew in person.

Negligent Operator Treatment System (NOTS)

According to the Texas Department of Public Safety, as of September 1, 2019, the state repealed its Driver Responsibility Program. As it states:

“The Department of Public Safety has reinstated all driver privileges that were previously suspended solely for having unpaid surcharges. If your license was suspended for other offenses, you may check the status of your driver’s license and determine any reinstatement requirements by visiting our License Eligibility page.

Additional information on the repeal of the program may be found at the Driver Responsibility Program (Surcharge) Repeal FAQs.

Drivers will still be responsible for any other suspensions, fines, or fees on their driving records.

Rules of the Road

We all should obey the rules, but if you are new to the state, there may be laws you’re unfamiliar with. That’s why we’ve assembled a list of several relevant laws to help keep you in good standing and on the road.

Fault vs. No-Fault

Texas is an at-fault car accident state. If you cause an accident, you are held responsible for covering the costs of damages resulting from that accident.

The at-fault driver will also need to cover all medical bills of anyone needing medical intervention caused by the accident.

It’s always a good idea to have more insurance than the minimum amount required when you live in an at-fault state.

Seat Belt and Car Seat Laws

Seat belts can considerably reduce the risk of serious injury in a crash, and the laws of Texas require all front-seat passengers to wear a seat belt when the car is in motion. The following chart provides more information about the required use of safety belts.

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Children in Texas must also be properly restrained. The following chart provides more details.

Type of Car Seat RequiredAge
Must be in child safety seat7 years and younger and less than 57 inches
Preference for rear seatlaw states no preference for rear seat
Adult Belt Permissiblenot permissible
Maximum base fine 1st offense, additional fees may apply$25 minimum; maximum unlisted
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If you are caught breaking these car seat laws, you could have to pay a fine of $45 plus fees.

It is illegal to ride in the cargo area of a pick-up truck in Texas.

Keep Right and Move Over Laws

Texas traffic laws mandate that you must keep right when traveling slower than the average speed of traffic around you. Generally, the left lane is for faster traffic and passing.

The “move over” law requires motorists to slow down and maneuver to the closest lane if they approach a stationary emergency vehicle — including Texas DMV vehicles and tow trucks — using approved visual signals and traveling in the same direction.

Speed Limits

We know Texas is a large state, and you may be tempted to go over the speed limit once you get out on the open roads. To help keep you from getting a ticket, we’ve posted the speed limits on different types of roads in Texas.

Type of RoadwaySpeed Limit
Rural Interstates75; 80 or 85 on specified segments of road
Urban Interstates75 mph
Other Limited Access Roads75 mph
Other Roads75 mph
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Ridesharing

In 2017, Texas established statewide standards for Transportation Network Companies (TNC), also known as ridesharing companies.

State law requires rideshare drivers to undergo criminal background checks yearly and carry the minimum auto insurance coverage. The state prohibits sex offenders from rideshare driving.

The liability insurance required while ridesharing is $1 million for bodily injury and property damage total for each incident.

The following providers offer rideshare insurance in Texas:

  • Allstate
  • Farmers
  • Geico
  • Liberty Mutual
  • Metlife
  • Progressive
  • USAA

Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS):

Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera, and other sensors to gather information about a vehicle’s surroundings, which is then used by computer programs to perform parts or all of the driving task on a sustained basis.

Currently, in Texas, autonomous vehicles are in the deployment stage. State law mandates that the operator doesn’t need to be licensed or in the vehicle during operation. However, liability insurance is required for all vehicles.

The state has also formed a Connected and Autonomous Vehicle (CAV) Task Force to test self-driving cars.

Safety Laws

Up next, we take a closer look at the safety laws in Texas so that you can arrive alive. Please don’t drink and drive.

DUI Laws

Driving while impaired has disastrous results for everyone involved, and that’s why strict laws are in place to prevent such tragedies. In Texas alone, drunk driving caused 1,468 deaths in 2017. Each state differs in how they address drunk driving and therefore have different penalties.

The table below shows detail on what a driver will face if they are charged and convicted of DUI.

DUI Laws in TexasDetails
Name for OffenseDriving under the influence (DUI)
BAC Limit0.08
High BAC Limit0.15
Criminal Status1st class B misdemeanor, 2nd in 5 years class A misdemeanor, 3rd+ third degree feonies
Look Back Periodunlimited/lifetime for sentencing; 5 years for 2nd+ when determining need for IID
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Marijuana-Impaired Driving Laws

According to the Marijuana Policy Project, Texas allowed the first sales of low-THC medical cannabis in early 2018 under its Compassionate Use Program.

The law places a 0.5 percent cap on the level of THC prescribed to medical marijuana patients. Only patients with certain conditions can use it:

  • intractable epilepsy
  • multiple sclerosis
  • ALS
  • terminal cancer
  • autism
  • spasticity
  • and incurable neurodegenerative diseases.

The state also allows the use of CBD oil. It hasn’t decriminalized marijuana use, and there are currently no laws in Texas that regulate driving under the influence of marijuana.

Distracted Driving Laws

Distracted driving can be just as life-threatening as impaired driving. Texas has regulated the use of cellphones in cars, so drivers pay more attention to the road. All it takes is a single second of distraction to cause a lifetime of complications.

The following table shows what restrictions Texas lawmakers have implemented to combat distracted driving in the state.

Cell Phone Laws in TexasDetails
Hand-Held Bandrivers in school crossing zones and on public school property during the time the reduced speed limit applies
Text Banall drivers
Young drivers all cellphone bandrivers younger than 18
Enforcementprimary
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Driving in Texas

Now that you have a good understanding of Texas state laws, let’s dive into some facts that you might not know. While insurance is essential, it’s also crucial to know what to keep your eyes out for on the road.

Vehicle Theft in Texas

No one wants to have their car stolen. In 2016, nearly 13,000 cars were stolen in Houston. When considering your next car purchase, one thing to consider is that certain vehicles are stolen more frequently, and thus, may have higher insurance rates.

The following shows a list of the top 10 stolen vehicles in Texas.

CITYMOTOR VEHICLE THEFT
Amarillo990
Mesquite849
Garland810
El Paso800
Corpus Christi731
Irving711
Killeen566
Grand Prairie495
Beaumont405
Pasadena379
Plano339
Baytown326
Denton298
Galveston284
Odessa273
San Angelo272
Abilene260
Longview242
Lancaster240
Temple238
Wichita Falls238
Lewisville229
Carrollton227
Midland220
Waco191
Richardson189
Conroe176
Humble176
Laredo170
Duncanville169
San Marcos169
DeSoto158
McKinney155
Port Arthur153
Haltom City150
New Braunfels148
Balch Springs3146
Tyler146
Brownsville141
Euless140
Bryan123
Texas City123
Texarkana121
College Station117
Victoria110
Edinburg108
South Houston3106
Bedford102
North Richland Hills101
Cedar Hill98
Addison97
League City93
Farmers Branch92
Harlingen91
Huntsville88
Big Spring85
Grapevine85
Frisco84
Lufkin83
Webster81
Seagoville79
Sherman77
Mission74
Rowlett71
Denison70
Waxahachie70
Missouri City69
Hurst68
Burleson67
Terrell67
Greenville65
Marshall65
La Marque64
Round Rock64
Leon Valley62
Pharr62
Kyle61
Alvin60
Rosenberg59
Saginaw59
Schertz57
Sugar Land56
Stafford54
Allen52
Harker Heights52
Alamo51
Cedar Park51
Cleburne51
Rockwall51
San Juan51
Weslaco50
La Porte49
Plainview49
White Settlement49
Paris48
Converse47
Dickinson47
Donna347
Orange47
McAllen46
Pflugerville345
Universal City45
Balcones Heights42
Kirby42
Mansfield42
The Colony42
Tomball40
Live Oak39
Rio Grande City39
Weatherford39
Alice38
Corsicana37
Borger336
Forest Hill36
Katy36
Nederland36
Ennis35
Georgetown35
Jacinto City35
Copperas Cove34
Deer Park34
Vidor34
Eagle Pass33
Mercedes33
Taylor33
Jersey Village32
Levelland31
Cleveland30
Windcrest30
Boerne29
Groves29
Kilgore29
Pleasanton29
Bellmead328
Dumas28
Palestine328
Richland Hills28
Wylie28
Athens27
Nacogdoches27
Port Aransas27
Seguin27
Selma27
Little Elm26
Port Neches26
Sweetwater326
Kingsville25
San Benito25
Shenandoah325
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As is common in many states, the Honda Accord and multiple brand pickup trucks lead the way as the most stolen vehicles in the state.

Where you live also plays a role in the number of vehicle thefts. The FBI created a report on Texas vehicle thefts by cities, which are listed below.

CityMotor
vehicle
theft
Abernathy8
Abilene260
Addison97
Alamo51
Alamo Heights5
Alice38
Allen52
Alpine7
Alton12
Alvarado13
Alvin60
Amarillo990
Andrews16
Anna11
Anson3
Anthony11
Aransas Pass23
Arcola0
Argyle2
Arlington31,360
Arp0
Athens27
Atlanta5
Aubrey3
Austin2,079
Azle7
Baird4
Balch Springs3146
Balcones Heights42
Ballinger1
Bangs0
Bartonville2
Bastrop23
Bay City311
Bayou Vista0
Baytown326
Beaumont405
Bedford102
Bee Cave5
Beeville8
Bellaire12
Bellmead328
Bellville30
Belton4
Benbrook21
Beverly Hills9
Big Sandy1
Big Spring85
Bishop4
Blanco1
Blue Mound4
Boerne29
Bogata1
Bonham4
Borger336
Bovina1
Bowie9
Boyd1
Brady6
Brazoria5
Breckenridge3
Bridge City13
Bridgeport34
Brookshire12
Brownfield8
Brownsville141
Brownwood22
Bryan123
Buda11
Bullard1
Bulverde0
Burkburnett21
Burleson67
Burnet39
Cactus3
Caddo Mills0
Caldwell0
Calvert2
Cameron1
Canton3
Canyon10
Carrollton227
Carthage10
Castle Hills321
Castroville13
Cedar Hill98
Cedar Park51
Celina4
Center7
Chandler2
Cibolo14
Cisco11
Clarksville0
Cleburne51
Cleveland30
Clifton4
Clint0
Clute18
Clyde2
Cockrell Hill15
Coleman1
College Station117
Colleyville7
Collinsville0
Colorado City7
Comanche1
Combes0
Commerce2
Conroe176
Converse47
Coppell23
Copperas Cove34
Corinth21
Corpus Christi731
Corrigan34
Corsicana37
Crandall10
Crane1
Crockett7
Crosbyton0
Crowell0
Crowley12
Crystal City0
Cuero29
Cumby0
Daingerfield3
Dalhart16
Dallas7,913
Dalworthington Gardens4
Danbury0
Dayton320
Decatur11
Deer Park34
De Kalb4
De Leon2
Del Rio19
Denison70
Denton298
Denver City2
DeSoto158
Devine315
Diboll3
Dickinson47
Dilley5
Dimmitt9
Donna347
Double Oak30
Driscoll1
Dublin1
Dumas28
Duncanville169
Eagle Lake0
Eagle Pass33
Early2
Eastland31
Edcouch3
Edinburg108
Edna7
El Campo319
Electra35
El Paso800
Elsa0
Encinal1
Ennis35
Estelline0
Euless140
Fairfield3
Fair Oaks Ranch2
Fairview1
Falfurrias0
Farmers Branch92
Farmersville2
Farwell0
Fate33
Ferris1
Flatonia1
Floresville12
Flower Mound19
Floydada4
Forest Hill36
Forney23
Fort Stockton7
Fort Worth2,706
Frankston32
Fredericksburg3
Freeport12
Freer3
Friendswood17
Friona1
Frisco84
Fulshear2
Fulton3
Gainesville23
Galveston284
Ganado1
Garden Ridge0
Garland810
Gatesville15
Georgetown35
George West5
Giddings2
Gilmer7
Gladewater9
Glenn Heights12
Godley3
Gonzales8
Gorman1
Graham10
Granbury13
Grand Prairie495
Grand Saline2
Granger1
Granite Shoals6
Grapeland0
Grapevine85
Greenville65
Gregory1
Groesbeck3
Groves29
Gun Barrel City12
Hallettsville31
Hallsville3
Haltom City150
Hamilton4
Hamlin0
Happy0
Harker Heights52
Harlingen91
Haskell1
Hawkins0
Hawley1
Hearne4
Heath2
Hedwig Village6
Helotes3
Hemphill0
Henderson16
Hereford24
Hewitt8
Hickory Creek6
Hidalgo10
Highland Park5
Highland Village5
Hill Country Village2
Hillsboro24
Hitchcock21
Hollywood Park36
Hondo16
Hooks2
Horizon City7
Horseshoe Bay2
Houston11,596
Hughes Springs0
Humble176
Huntington3
Huntsville88
Hurst68
Hutchins0
Hutto4
Idalou1
Indian Lake30
Ingleside17
Ingram3
Iowa Park7
Irving711
Itasca1
Jacinto City35
Jacksboro4
Jacksonville316
Jamaica Beach1
Jarrell1
Jasper14
Jersey Village32
Jones Creek1
Jonestown6
Josephine0
Joshua7
Jourdanton0
Junction1
Karnes City3
Katy36
Kaufman2, 317
Keene4
Keller11
Kemah6
Kenedy5
Kennedale10
Kermit0
Kerrville23
Kilgore29
Killeen566
Kingsville25
Kirby42
Knox City0
Kountze7
Kress0
Kyle61
Lacy-Lakeview11
La Feria6
Lago Vista3
La Grange4
La Grulla0
Laguna Vista2
La Joya1
Lake City0
Lake Dallas4
Lake Jackson24
Lakeside6
Lakeview, Harrison County6
Lakeway8
Lake Worth15
La Marque64
Lampasas8
Lancaster240
La Porte49
Laredo170
La Vernia5
La Villa0
Lavon0
League City93
Leander24
Leon Valley62
Levelland31
Lewisville229
Liberty12
Lindale13
Linden4
Little Elm26
Littlefield37
Live Oak39
Livingston37
Lockhart18
Log Cabin3
Lone Star0
Longview242
Lorena4
Los Indios0
Lufkin83
Luling12
Lumberton210
Lyford3
Lytle6
Madisonville0
Magnolia2
Manor15
Mansfield42
Manvel9
Marble Falls7
Marshall65
Martindale0
Mathis3
McAllen46
McGregor1
McKinney155
Meadows Place12
Melissa5
Memorial Villages0
Memphis1
Mercedes33
Merkel2
Mesquite849
Mexia3
Midland220
Midlothian22
Milford1
Mineola5
Mission74
Missouri City69
Monahans6
Mont Belvieu317
Montgomery0
Moulton0
Mount Pleasant18
Muleshoe4
Munday0
Murphy3
Nacogdoches27
Naples0
Nash6
Nassau Bay8
Natalia0
Navasota14
Nederland36
Needville2
New Boston9
New Braunfels148
Newton2
Nixon3
Nocona1
Nolanville3
Normangee0
Northeast3
Northlake7
North Richland Hills101
Oak Ridge0
Odessa273
Olmos Park2
Olney3
Olton1
Omaha1
Onalaska3
Orange47
Ovilla2
Oyster Creek3
Paducah0
Palacios3
Palestine328
Palmer5
Palmhurst0
Palm Valley0
Palmview3
Panhandle1
Pantego39
Paris48
Parker4
Pasadena379
Patton Village7
Pearsall11
Pecos1
Pelican Bay0
Penitas2
Perryton312
Pflugerville345
Pharr62
Pilot Point1
Pinehurst3
Pittsburg5
Plainview49
Plano339
Pleasanton29
Ponder31
Port Aransas27
Port Arthur153
Port Isabel12
Portland9
Port Lavaca23
Port Mansfield0
Port Neches26
Poteet13
Poth2
Pottsboro0
Prairie View1
Premont2
Presidio1
Primera1
Princeton35
Prosper7
Queen City2
Quitman1
Ralls0
Rancho Viejo0
Ranger3
Raymondville6
Red Oak24
Refugio0
Reno4
Richardson189
Richland Hills28
Richmond9
Richwood3
Riesel0
Rio Bravo0
Rio Grande City39
Rio Hondo2
River Oaks17
Roanoke11
Robinson5
Robstown12
Rockdale38
Rockport24
Rockwall51
Rollingwood0
Roma22
Roman Forest2
Rosenberg59
Round Rock64
Rowlett71
Royse City11
Runaway Bay1
Rusk2
Sabinal0
Sachse22
Saginaw59
Salado4
San Angelo272
San Antonio6,864
San Augustine1
San Benito25
San Diego0
Sanger5
San Juan51
San Marcos169
San Saba3
Sansom Park Village10
Santa Anna0
Santa Fe18
Santa Rosa2
Schertz57
Schulenburg5
Seabrook14
Seagoville79
Seagraves1
Sealy15
Seguin27
Selma27
Seminole38
Seven Points6
Seymour32
Shallowater7
Shamrock0
Shavano Park2
Shenandoah325
Sherman77
Shiner0
Shoreacres0
Sinton14
Slaton13
Smithville2
Socorro22
Somerset2
Sonora0
Sour Lake3
South Houston3106
Southlake5
South Padre Island14
Southside Place0
Spearman0
Splendora4
Springtown0
Spring Valley4
Spur0
Stafford54
Stagecoach0
Stamford3
Stephenville15
Sugar Land56
Sullivan City4
Sulphur Springs13
Sunrise Beach Village0
Sunset Valley1
Surfside Beach0
Sweeny2
Sweetwater326
Taft3
Tahoka2
Tatum1
Taylor33
Teague7
Temple238
Terrell67
Terrell Hills0
Texarkana121
Texas City123
The Colony42
Thorndale0
Thrall0
Three Rivers0
Tioga2
Tomball40
Tool4
Trophy Club8
Troup2
Tulia5
Tye2
Tyler146
Universal City45
University Park19
Uvalde10
Van7
Van Alstyne3
Venus4
Vernon14
Victoria110
Vidor34
Waco191
Waelder0
Wake Village10
Waller5
Wallis0
Watauga14
Waxahachie70
Weatherford39
Webster81
Weimar4
Weslaco50
West1
West Lake Hills35
West Orange6
Westover Hills1
West University Place4
Westworth5
Wharton6
Whitehouse2
White Oak19
Whitesboro3
White Settlement49
Wichita Falls238
Willis11
Willow Park33
Wills Point2
Wilmer8
Windcrest30
Wink1
Winnsboro6
Winters3
Wolfforth0
Woodbranch0
Woodville0
Woodway0
Wortham1
Wylie28
Yoakum3
Yorktown2
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If you’re worried about car theft in your city, we encourage you to lock your vehicle when not in use and purchase more than the minimum liability requirements if you own an expensive car.

Road Fatalities in Texas

Accidents can and do happen, and next, we’re going to show you statistics from the National Highway Traffic Safety Administration for different kinds of accidents in Texas.

Most Fatal Highway in Texas

Have you ever wondered where the most dangerous highway in your state is located? According to Geotab, US-83 (also known as the Texas Vietnam Veterans Memorial Highway), running north and south, is the most fatal highway. It has averaged 26 crash deaths every year for the past decade.

Fatal Crashes by Weather Condition and Light Condition

Since states have different weather conditions to watch out for, we want to take a look at fatalities in Texas during different types of weather conditions. The following table shows how many crashes occurred when weather and light conditions are a factor.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1,3166649309483,012
Rain91538590238
Snow/Sleet9010010
Other1718324071
Unknown3030612
TOTAL1,4367351,051107143,343
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As the data reflects, most crashes occurred during daylight hours.

Fatalities (All Crashes) by County

The National Highway Traffic Safety Administration (NHTSA) has collected extensive data on crashes in Texas. One of the first statistics we want to look at is how fatalities vary from county to county. The following table shows how many crashes occurred by county in the state of Texas.

CountyFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
Anderson County9108121015.5317.2913.8820.8517.32
Andrews County12111411671.4863.0477.385.6190.28
Angelina County191818201621.7520.5520.4822.7718.22
Aransas County3323412.5512.28.0511.8715.64
Archer County7504279.6156.59045.5922.7
Armstrong County60011309.280053.8853.22
Atascosa County717176914.8935.6435.1612.3318.37
Austin County68510320.9427.6416.9833.7410.07
Bailey County2012128.18013.8927.8614.13
Bandera County10882748.6438.4437.839.2131.32
Bastrop County211420372627.6717.9724.9444.7130.67
Baylor County73601195.6984.1164.43027.93
Bee County4858312.1924.3615.3324.369.21
Bell County36344042571110.311.912.3116.39
Bexar County18918418922616410.389.919.9711.728.37
Blanco County5948347.0183.336.2470.5425.8
Borden County11110154.8150.15152.44151.520
Bosque County5442527.9922.5822.3911.127.28
Bowie County251814221626.7519.2714.9923.4317.02
Brazoria County453042484313.638.8812.1513.5711.86
Brazos County15142220287.356.7110.199.1112.57
Brewster County3110032.2910.9310.9500
Briscoe County00020000134.590
Brooks County86311110.1882.6941.4513.7713.82
Brown County226535.325.3315.9113.147.88
Burleson County34411517.423.0522.7861.7627.76
Burnet County8201191618.3545.4824.5619.634.19
Caldwell County4151291110.237.7929.7221.8925.98
Calhoun County7311132.2113.764.574.564.6
Callahan County124671088.9229.6344.1850.8171.71
Cameron County39262541409.356.215.969.729.44
Camp County2411316.0831.697.97.8323.34
Carson County1396316.7149.73149.8398.2549.73
Cass County731441023.159.9646.4513.333.32
Castro County2410124.7550.5812.82012.75
Chambers County13201522934.8152.2438.454.6121.72
Cherokee County1513891029.3625.415.5117.3419.14
Childress County2012328.35014.228.1942.45
Clay County6210657.419.289.66057.58
Cochran County02010068.17034.350
Coke County1554131.46155.52155.04122.5930.25
Coleman County1446111.7347.5348.1171.2511.86
Collin County41473750684.785.314.055.317.01
Collingsworth County003000099.6700
Colorado County1551481072.4424.1766.9538.0547.1
Comal County212017241717.7116.2413.2117.8912.06
Comanche County5248736.9314.8629.9259.1751.57
Concho County4100497.724.600147.22
Cooke County320136107.8151.6933.2815.2925.07
Coryell County75131499.126.5617.0518.6812.01
Cottle County01000070.03000
Crane County2320142.3561.1539.94021.1
Crockett County55347132.94132.0780.39109.5196.41
Crosby County01451017.1767.6184.516.95
Culberson County26123386.77263.16533.1135.2134.47
Dallam County1814314.08111.0613.7755.1341.62
Dallas County2252382593152829.069.4510.1412.1710.77
Dawson County4644230.344.6630.8130.6715.61
Deaf Smith County2323310.4415.7110.6415.9215.93
Delta County2026039.08038.78116.60
Denton County40373849495.494.914.876.065.86
Dewitt County9735544.1634.1214.5424.2524.72
Dickens County001140045.4145.43181.08
Dimmit County101382391.7117.9672.8518.5528.8
Donley County1402228.04114.22058.9660.4
Duval County5364643.1526.0452.934.9453.22
Eastland County8986643.7749.3544.0532.7832.59
Ector County594854344839.4331.0533.7821.5830.56
Edwards County0031100157.0752.1451.2
El Paso County60666281587.237.927.449.686.9
Ellis County192425283312.1815.0815.3116.6319.01
Erath County101518131025.063743.6731.3723.83
Falls County8747346.440.6823.2240.3917.2
Fannin County658151417.8914.8723.944.3140.64
Fayette County991691736.4136.3164.0835.967.27
Fisher County1622225.85154.9251.6751.5351.55
Floyd County2201232.0333.64017.0234.16
Foard County21011155.2878.31082.5881.83
Fort Bend County52363937397.975.265.464.995.1
Franklin County24410018.8537.8737.7693.820
Freestone County581114825.5240.755.871.2640.76
Frio County7193338.085.2846.7315.4815.31
Gaines County115105358.5325.8849.4724.4114.54
Galveston County23354445407.511.1613.6913.6711.94
Garza County1801215.69124.84015.5230.64
Gillespie County64571123.715.7119.2626.6141.28
Glasscock County44623316.46303.72438.28148.15222.55
Goliad County3344140.2639.9853.2653.1813.22
Gonzales County111315131254.6263.8673.0462.3157.44
Gray County3465613.0517.0725.8121.9926.78
Grayson County271926242222.0815.3820.7118.7216.78
Gregg County212226213217.0517.8820.9916.9925.94
Grimes County1051681137.3218.5158.5429.0139.17
Guadalupe County161519241911.210.2212.6215.5211.9
Hale County184342.823.211.738.7711.72
Hall County3020194.85064.68032.56
Hamilton County4770348.6185.8986.74035.62
Hansford County2230236.1336.1353.49036.72
Hardeman County2412249.21100.325.5650.1150.08
Hardin County11139111219.8923.4216.1419.5521
Harris County3694173914474568.489.378.599.689.8
Harrison County221426161733.2121.0138.9523.9825.5
Hartley County4385566.7449.68140.9987.6387.86
Haskell County3642450.8103.4768.7634.6969.61
Hays County231817393013.079.748.7419.0913.99
Hemphill County1311024.1471.8623.324.240
Henderson County121217111615.2615.1421.413.7419.74
Hidalgo County65656775607.957.847.988.826.97
Hill County161416131045.9140.2645.9236.9627.89
Hockley County6757425.6429.8421.4530.317.33
Hood County58315119.4514.865.4226.4318.88
Hopkins County78991319.8322.4225.0324.8635.62
Houston County868141035.0826.3235.1961.1743.44
Howard County126128933.1916.4432.3221.8524.97
Hudspeth County141571214419.54460.41203.73294.62317.6
Hunt County151822282617.1520.324.5330.4527.7
Hutchinson County6865027.436.5327.5523.180
Irion County210300124.15635.32194.4300
Jack County3563133.7156.4367.8834.2211.32
Jackson County65106341.0733.9767.640.420.26
Jasper County85127822.4714.1234.0419.7722.5
Jeff Davis County32002134.4790.090087.72
Jefferson County23322737379.0912.6610.5914.4614.44
Jim Hogg County1613019.01112.7818.9357.210
Jim Wells County1410154733.624.1136.179.7317.13
Johnson County192322232112.314.6713.814.1212.55
Jones County7585934.9425.1940.0325.0145.04
Karnes County11795474.7247.1959.0332.7626.34
Kaufman County122418273111.0821.6415.7722.8725.23
Kendall County8595421.5313.0222.5211.919.09
Kenedy County20222459.770461.89467.29479.62
Kent County010010133.6900131.06
Kerr County1615811332.1529.8415.7621.445.8
Kimble County40912789.610204.92271158.73
King County0010000352.1100
Kinney County2022055.08055.6654.950
Kleberg County57311515.6221.989.5535.0916.08
Knox County1111126.8726.3126.3726.7426.95
La Salle County917417120.97227.352.3313.1392.3
Lamar County714810614.2628.3416.2120.1812.1
Lamb County8444258.5829.6630.1530.2515.14
Lampasas County3165614.94.9729.3924.228.53
Lavaca County4574720.3825.2835.1520.0934.89
Lee County810159348.3360.1288.8552.9517.46
Leon County1210812772.1859.7646.9769.7840.6
Liberty County231618223929.9420.5122.6327.0346.62
Limestone County4854317.0934.0421.331712.75
Lipscomb County001000028.1100
Live Oak County14188610118.49149.4565.849.9182.14
Llano County4329320.5115.289.9743.7514.14
Loving County0223102247.191680.672608.7746.27
Lubbock County324240434211.0514.2613.414.2213.76
Lynn County1064417.460104.4269.0368.27
Madison County712610750.7286.6943.0570.9549.22
Marion County7162968.149.8559.2519.8389.43
Martin County39116556.88164.47193.8105.4988.87
Mason County2001348.720024.0371.06
Matagorda County8413101021.9110.9635.3626.9427.14
Maverick County5881098.8614.0313.8717.2415.46
Mcculloch County094200110.448.4724.630
Mclennan County353930284414.516.0412.2311.3117.51
Mcmullen County0941001132.08482.51122.70
Medina County1139141723.276.2718.628.4633.96
Menard County1010146.84046.93047.08
Midland County444733255028.8930.0220.3715.2930.29
Milam County410351716.6141.4112.3120.2167.86
Mills County1512320.54102.7320.4640.8760.96
Mitchell County1453511.1144.1256.4635.3859.05
Montague County3443615.4720.6420.7515.4430.71
Montgomery County515360765410.2310.2611.2113.719.46
Moore County17846576.7736.3318.2827.3522.63
Morris County2426415.7731.716.1448.0432.08
Motley County1100083.8987.03000
Nacogdoches County161116131324.5516.8724.4419.819.82
Navarro County13101151427.0720.8722.8410.3428.75
Newton County2745313.9548.9628.2335.2521.5
Nolan County1062101666.4239.713.366.81108.33
Nueces County32374245519.0710.3811.6512.4514.12
Ochiltree County4921037.4984.2318.79.710
Oldham County75835335.09241.55387.6144.65236.52
Orange County132819222315.733.6422.6426.0327.04
Palo Pinto County118108839.4728.5635.7728.4428
Panola County11111013646.2546.3342.2755.4625.81
Parker County181518212015.0312.2814.3316.314.99
Parmer County1432210.0440.2730.6120.3720.32
Pecos County7171291944.71107.3474.9256.69121.53
Polk County121315121526.3628.3732.1825.1430.51
Potter County302620293224.5721.3216.5124.0626.57
Presidio County01111013.9114.1813.9513.97
Rains County2214118.1418.178.9935.388.5
Randall County13141414710.2610.8810.7410.575.21
Reagan County45601110.19132157.52026.95
Real County3253290.3959.74151.6588.3158.33
Red River County4144432.018.0332.3532.7432.71
Reeves County1712211415119.8182.71140.8892.9198.16
Refugio County71433796.25190.3740.9841.1496.9
Roberts County15014108.81547.050109.17426.44
Robertson County7147442.626.0823.9741.5223.25
Rockwall County83412139.443.454.4412.8513.43
Runnels County182419.8277.9319.3139.019.74
Rusk County251415191746.8726.3328.3435.9532.18
Sabine County4523538.3847.9519.1428.8947.8
San Augustine County63441069.2535.4147.9648.29121.17
San Jacinto County98614533.6629.5721.9350.4417.69
San Patricio County1216781518.1424.0110.4311.8922.32
San Saba County3201052.7234.39017.030
Schleicher County50000156.790000
Scurry County4641223.1734.4822.745.7411.73
Shackelford County3211188.7860.1729.929.7330.05
Shelby County612871123.0946.7531.3727.1643.12
Sherman County2110065.1732.5932.6800
Smith County294361574613.419.5927.4325.320.2
Somervell County6422970.146.7723.2223.04101.75
Starr County13723320.8711.133.154.694.65
Stephens County2122121.3710.7121.3221.2610.71
Sterling County023000149.81225.3900
Stonewall County31001211.5772.10072.05
Sutton County63433150.7275.78102.6777.6279.64
Swisher County3111138.8813.2413.3713.4413.31
Tarrant County1441451571671807.537.457.918.268.76
Taylor County202628171514.9419.2920.612.511.01
Terrell County11010112.23110.250122.250
Terry County7331255.1423.4723.527.815.73
Throckmorton County000020000130.98
Titus County57114615.3321.5733.6212.2618.23
Tom Green County15151771113.0812.8914.465.949.32
Travis County112951451201209.988.2512.319.969.78
Trinity County5449234.6228.0227.5762.0113.64
Tyler County108114246.5237.351.4918.669.29
Upshur County56913512.5814.9122.2931.8112.11
Upton County1832029.55229.9582.1954.10
Uvalde County85321529.818.4811.147.3855.29
Val Verde County8483116.328.216.366.132.03
Van Zandt County221012181542.0518.9622.4733.127.18
Victoria County131317131514.4414.2918.4614.0716.29
Walker County11229252315.8431.4312.7334.8731.84
Waller County1911772441.8423.5114.3913.9846.78
Ward County6191091253.52164.185.9277.66104.6
Washington County4131113911.737.7831.5537.3325.68
Webb County291621472510.995.997.7817.259.1
Wharton County109146624.3321.9133.8314.4114.3
Wheeler County2623934.97105.2335.2954.07167.97
Wichita County15167151311.3512.075.3511.429.85
Wilbarger County2567515.1738.5545.9854.2939.17
Willacy County2221159.089.119.1450.5523.17
Williamson County23474445384.899.628.678.536.94
Wilson County101447422.1130.348.4814.538.11
Winkler County5482665.5251.18100.0625.4179.22
Wise County101421192116.3922.6833.4129.4731.73
Wood County11121271025.9428.0327.7615.9722.57
Yoakum County2413224.3747.7211.634.7823.34
Young County2324410.8916.4211.0222.1322.25
Zapata County2042013.9027.5613.840
Zavala County3566224.6240.8648.849.6216.74
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Bexar, Dallas, and Harris counties had the most crash deaths in Texas. Of those counties, only Bexar saw a decrease in fatalities in 2017. Dallas and Harris experienced increases throughout the five years.

Traffic Fatalities

Car insurance companies, law enforcement, and the DMV consider all data collected over the years. To accurately report fatality data per year, these organizations separate the data by rural and urban categories.

In the table below, traffic fatality numbers for rural and urban areas are listed.

Area2008200920102011201220132014201520162017
Rural1,7611,6521,4621,4641,6961,6631,7801,6221,5901,504
Urban1,6291,4371,5461,5821,7111,7261,7501,9482,2052,205
Unknown861515810612213
Total3,4763,1043,0233,0543,4083,3893,5363,5823,7973,722
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In our 10-year lookback period, more fatal accidents occurred on urban roads than in rural areas.

Fatalities by Person Type

The type of car driven can sometimes show trends in fatalities, and car occupants aren’t the only ones at risk in a crash. Pedestrians, cyclists, and motorcyclists die every year from vehicle accidents. In the table below, we examine fatalities by person type.

Person Type20132014201520162017
Passenger Car1,0671,1371,1711,2191,252
Light Truck - Pickup606693626636588
Light Truck - Utility441480483441457
Light Truck - Van9587888764
Light Truck - Other111118
Large Truck111114100109129
Bus72171016
Other/Unknown Occupants2321232731
Total Occupants2,3512,5352,5092,5402,545
Total Motorcyclists493451452495490
Pedestrian480479549675607
Bicyclist and Other Cyclist4850526559
Other/Unknown Nonoccupants1721202221
Total Nonoccupants545550621762687
Total3,3893,5363,5823,7973,722
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As the data reflects, most fatalities occurred in passenger cars, followed by light pickups.

Fatalities by Crash Type

Between 2013 to 2017, the greatest number of fatalities occurred in single-vehicle crashes, followed by roadway departures. Fatalities involving speeding decreased from 2016 to 2017. In the table below, we examine fatalities by crash type.

Crash Type20132014201520162017
(1) Single Vehicle1,8151,9131,8481,9821,914
(2) Involving a Large Truck535553567558649
(3) Involving Speeding1,1811,2771,1251,0761,029
(4) Involving a Rollover1,0111,0919831,020942
(5) Involving a Roadway Departure1,8361,9121,8001,8601,832
(6) Involving an Intersection (or Intersection Related)668667709719724
Total Fatalities (All Crashes)3,3893,5363,5823,7973,722
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Sadly, driving alone and single-vehicle crashes are the leading cause of fatalities in Texas.

Five-Year Trend For The Top 10 Counties

These are the numbers of fatalities in the most populated Texas counties from 2013 – 2017.

County20132014201520162017
Harris County369417391447456
Dallas County225238259315282
Tarrant County144145157167180
Bexar County189184189226164
Travis County11295145120120
Collin County4147375068
Hidalgo County6565677560
El Paso County6066628158
Bell County3634404257
Montgomery County5153607654
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Harris and Dallas County had the highest number of fatalities in 2017. Reviewing the data for all of the counties shows that the number of fatalities usually increased each year.

Fatalities Involving Speeding by County

Speed limits are implemented to not only save on the cost of gasoline but to help keep you safe. The table below shows the fatalities involving speeding listed by county.

CountyFatalities
2013
2014201520162017
Harris County121136107135105
Dallas County9211893114102
Bexar County7069736057
Tarrant County6471605348
Collin County1221191637
Travis County3733432830
Bell County1520151120
Brazoria County1312141318
Hidalgo County2629292418
Denton County1721121316
Smith County111825916
Ector County131014714
Mclennan County121312714
Midland County1420121014
El Paso County2028211013
Potter County8118713
Lubbock County181781112
Montgomery County2125182112
Burnet County565310
Cameron County10108910
Galveston County1117121310
Medina County503410
Webb County6361910
Brazos County361069
Kaufman County26459
Liberty County47549
Nueces County151210129
Walker County8104109
Grayson County117488
Hays County1081078
Hunt County17168
Parker County756118
Waller County64128
Wise County42658
Angelina County310417
Ellis County8117127
Fannin County11147
Fayette County52307
Hopkins County22547
Jefferson County99997
Nolan County45047
Orange County210657
Williamson County7911147
Caldwell County14456
Callahan County52116
Fort Bend County2011966
Gregg County551466
Harrison County63976
Johnson County9131066
Taylor County77626
Van Zandt County64376
Victoria County35516
Bastrop County85445
Cherokee County33155
Hudspeth County34365
Milam County04315
Comal County956144
Hood County25034
Jones County22014
Lampasas County01114
Navarro County53114
Oldham County20404
Polk County44344
Rusk County70864
Wichita County43444
Anderson County44353
Atascosa County03713
Deaf Smith County11013
Erath County18343
Henderson County32423
Hill County65543
Howard County61603
Jasper County61423
Karnes County52233
Marion County30113
Reeves County84303
San Augustine County01203
Somervell County12113
Upshur County02313
Ward County12523
Wheeler County03013
Andrews County21202
Bandera County65312
Bowie County127282
Cass County20632
Cooke County27522
Crockett County20232
Culberson County11502
Eastland County74402
Gillespie County12362
Grimes County20412
Hamilton County22102
Hardin County74322
Houston County13272
Kendall County60722
La Salle County45112
Matagorda County32822
Morris County23122
Palo Pinto County23342
Parmer County00102
Pecos County03402
Robertson County20012
San Patricio County46302
Throckmorton County00002
Tom Green County68632
Washington County04422
Wharton County25442
Young County01122
Austin County26401
Bee County21121
Burleson County12121
Carson County00101
Childress County10001
Colorado County71811
Comanche County21041
Coryell County31341
Crosby County00241
Dimmit County27201
Gaines County32311
Gonzales County58321
Guadalupe County538101
Hale County04211
Hansford County01001
Hardeman County03021
Haskell County13101
Hockley County25121
Jackson County11111
Jeff Davis County12001
Jim Wells County42411
Kimble County00061
Kleberg County12111
Lamar County33241
Lamb County30111
Lavaca County11401
Limestone County01421
Live Oak County16431
Llano County22031
Martin County12201
Mason County00001
Maverick County15021
Menard County10001
Nacogdoches County63651
Panola County66661
Randall County75701
Reagan County12001
Red River County10141
Refugio County44101
Rockwall County30121
Sabine County21101
Scurry County22001
Shelby County22131
Starr County42101
Stephens County21001
Terry County50201
Titus County05011
Tyler County24121
Wilbarger County01221
Willacy County10051
Wood County64121
Yoakum County01021
Aransas County21010
Archer County11010
Armstrong County30000
Bailey County20000
Baylor County11100
Blanco County45010
Borden County11110
Bosque County13010
Brewster County20000
Briscoe County00010
Brooks County61100
Brown County01110
Calhoun County11000
Camp County21000
Castro County10000
Chambers County38530
Clay County21000
Cochran County00000
Coke County00000
Coleman County01020
Collingsworth County00000
Concho County00000
Cottle County00000
Crane County11000
Dallam County01000
Dawson County00200
Delta County00010
Dewitt County23110
Dickens County00010
Donley County03010
Duval County10000
Edwards County00310
Falls County11010
Fisher County03210
Floyd County02010
Foard County10010
Franklin County02230
Freestone County22150
Frio County40600
Garza County13010
Glasscock County00310
Goliad County02100
Gray County02200
Hall County00000
Hartley County11300
Hemphill County00000
Hutchinson County11130
Irion County04200
Jack County31000
Jim Hogg County10000
Kenedy County10000
Kent County00000
Kerr County47350
King County00100
Kinney County10010
Knox County10100
Lee County23650
Leon County62310
Lipscomb County00000
Loving County00010
Lynn County10210
Madison County01240
Mcculloch County01310
Mcmullen County00000
Mills County03010
Mitchell County11100
Montague County13120
Moore County41000
Motley County10000
Newton County01110
Ochiltree County10110
Presidio County01010
Rains County11000
Real County20210
Roberts County03000
Runnels County01020
San Jacinto County33140
San Saba County11010
Schleicher County30000
Shackelford County12000
Sherman County00000
Sterling County01100
Stonewall County00000
Sutton County41110
Swisher County10010
Terrell County10000
Trinity County20150
Upton County12210
Uvalde County12010
Val Verde County21110
Wilson County26140
Winkler County00100
Zapata County20000
Zavala County22010
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Brexar, Dallas, and Harris counties have the most fatalities by speeding in the state. It doesn’t necessarily mean that residents of those counties are bad drivers, it’s more indicative that more people correlates to more accidents.

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

In 2017, there were 1,468 alcohol-impaired traffic fatalities in the state of Texas. Check out the table below to see fatalities in crashes that involved an alcohol-impaired driver with a BAC over .08.

CountyFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
Roberts County010040109.4100426.44
Hudspeth County63327179.892.0887.3149.1158.8
Kent County010010133.6900131.06
San Augustine County2032623.08035.9724.1572.7
Haskell County1220416.9334.4934.38069.61
Crockett County3210279.7752.8326.8056.12
Lynn County003230052.2134.5151.2
Andrews County5780929.7840.1244.22050.78
Oldham County1500147.87241.550047.3
Kimble County1034222.4068.3190.3345.35
Dickens County00001000045.27
Milam County2421108.316.578.24.0439.92
Pecos County2342612.7718.9424.9712.638.38
Concho County1000124.4300036.81
Somervell County1200311.6823.380033.92
Live Oak County5322442.3224.9116.4516.6432.86
Coke County03211093.3162.0230.6530.25
Marion County4121338.949.8519.759.9129.81
Real County2222160.2659.7460.6658.8829.16
Refugio County1511213.7567.9913.6613.7127.69
Reagan County1230127.5552.878.76026.95
La Salle County1611213.4480.2213.0813.1326.37
Reeves County6373442.2920.6846.9619.9126.18
Ward County3761326.7660.4651.558.6326.15
Fisher County040110103.28025.7725.77
Hardeman County1200124.6150.150025.04
Hamilton County01102012.2712.39023.75
Fayette County6352624.2812.120.037.9823.74
Mason County00001000023.69
Fannin County122482.985.955.9711.8223.22
Burleson County112445.85.7611.3922.4622.21
Houston County5233521.928.7713.1913.1121.72
Crane County02101040.7719.97021.1
Nolan County122436.6413.2313.326.7220.31
Cass County105163.31016.593.3219.99
Burnet County475199.1715.9211.172.1819.23
Clay County2000219.1300019.19
Wheeler County05001087.690018.66
Willacy County201449.0804.5718.3818.53
Gray County0221408.538.64.417.85
Grimes County3265511.27.421.9518.1317.8
Duval County101128.6308.828.7317.74
Hartley County01111016.5617.6217.5317.57
Waller County7423915.418.554.115.9917.54
Leon County6422336.0923.911.7411.6317.4
Crosby County01101017.1716.9016.95
Zavala County02332016.3524.424.8116.74
Liberty County96961411.717.6911.317.3716.73
Carson County01111016.5816.6516.3716.58
Red River County2121216.018.0316.188.1916.35
Ector County261622142517.3710.3513.768.8815.91
Wilbarger County123327.5815.4222.9923.2715.67
Camp County120028.0415.850015.56
Garza County01011015.61015.5215.32
Walker County7113121110.0815.714.2416.7415.23
Gillespie County122243.957.857.77.615.01
Jones County230239.9815.1101015.01
Lavaca County0120305.0610.04014.95
Bastrop County76814129.227.79.9816.9214.16
Childress County1001114.170014.0914.15
Madison County2324214.4921.6714.3528.3814.06
Presidio County00001000013.97
Midland County182117122311.8213.4110.497.3413.94
Moore County9431340.6418.1613.714.5613.58
Jackson County3323220.5420.3813.5220.213.51
Bandera County7530334.0524.0214.19013.42
Cherokee County6222711.743.913.883.8513.4
Winkler County3221139.3125.5925.0212.713.2
Orange County4979114.8310.818.3410.6512.93
Navarro County464068.3312.528.3012.32
Harrison County12485818.11611.987.4912
Mitchell County02301022.0633.88011.81
Shelby County233437.711.6911.7615.5211.76
Lee County5443230.224.0523.6917.6511.64
Robertson County2012212.1805.9911.8611.63
Washington County166342.9217.4417.218.6211.41
Eastland County3420216.4121.9311.01010.86
Matagorda County4274410.965.4819.0410.7810.86
San Jacinto County233537.4811.0910.9618.0110.61
Hardin County7332612.665.45.383.5510.5
Montague County132225.1615.4810.3710.2910.24
Freestone County2229210.2110.1810.1545.8110.19
Parmer County01101010.0710.2010.16
Potter County13128121210.659.846.69.969.96
Henderson County456485.096.317.5559.87
Gregg County4779123.255.695.657.289.73
Gonzales County3463214.919.6529.2114.389.57
Sabine County2411119.1938.369.579.639.56
Llano County111225.135.094.999.729.43
Colorado County4161219.324.8328.694.769.42
Wise County2451163.286.487.9517.069.07
Van Zandt County9347517.25.697.4912.879.06
Wood County353147.0811.686.942.289.03
San Patricio County463166.0594.471.498.93
Anderson County351555.188.641.738.698.66
Hockley County133224.2712.7912.878.668.66
Blanco County2515118.846.289.0644.098.6
Hunt County354683.435.644.466.538.52
Hill County4574311.4814.3820.0911.378.37
Hopkins County113332.832.88.348.298.22
Polk County5353410.986.5510.736.288.14
Morris County00111008.078.018.02
Medina County215544.232.0910.3310.167.99
Lubbock County17191724245.876.455.77.947.86
Terry County02111015.657.847.87.86
Aransas County210128.374.0703.967.82
Dawson County2211115.1514.897.77.677.8
Victoria County587575.558.797.65.417.6
Lamb County2012114.6507.5415.137.57
Rusk County7675413.1211.2813.239.467.57
Smith County10172417174.627.7410.797.557.47
Comanche County0111107.437.487.47.37
Jim Wells County457139.612.0616.882.437.34
Kaufman County5951394.628.114.3811.017.32
Callahan County3004122.230029.037.17
Newton County02311013.9921.177.057.17
Caldwell County163632.5515.127.4314.67.09
Palo Pinto County4223214.357.147.1510.667
Hays County69519153.414.872.579.36.99
Bell County16181613244.895.454.763.816.9
Hood County232743.785.573.6112.336.86
Trinity County2126113.85713.7941.346.82
Mclennan County10151411174.146.175.714.446.77
Kleberg County231326.259.423.189.576.43
Bowie County964569.636.424.285.336.38
Rockwall County213462.361.153.334.286.2
Nacogdoches County532747.674.63.0610.666.1
Nueces County14171816223.974.774.994.436.09
Titus County124223.076.1612.226.136.08
Hale County132122.88.75.872.925.86
Ellis County711117104.496.916.744.165.76
Angelina County344553.434.574.555.695.69
Guadalupe County7381494.92.045.319.065.64
Jasper County4242211.245.6511.355.655.62
Howard County4254211.065.4813.4610.925.55
Bosque County2310111.216.935.605.46
Jefferson County791115142.773.564.325.865.46
Johnson County7914894.535.748.784.915.38
Galveston County12221619183.917.024.985.775.37
Grayson County976977.365.674.787.025.34
Maverick County123531.773.515.28.625.15
Cooke County254125.212.9210.242.555.01
Comal County9671077.594.875.447.454.96
Dewitt County0212109.754.859.74.94
Gaines County5233126.6110.3514.8414.654.85
Chambers County5737213.3918.287.6817.384.83
Erath County144622.519.879.714.484.77
Wharton County5574212.1712.1716.929.614.77
Lampasas County100214.97009.684.76
Brazoria County16121823174.853.555.216.54.69
Travis County54507144574.814.346.033.654.65
Tyler County233119.313.9914.044.674.64
Calhoun County230119.213.7604.564.6
Brazos County3596101.472.44.172.734.49
Dallas County98981031311143.953.894.035.064.35
Harris County17421017020920244.723.744.534.34
Cameron County2012917184.82.872.154.034.25
Tom Green County987257.856.875.951.74.24
Montgomery County21242028244.214.643.745.054.2
Tarrant County63716669843.293.653.333.414.09
Coryell County235432.63.946.565.344
Wichita County756955.33.774.586.853.79
Parker County4510653.344.097.964.663.75
Uvalde County5301118.6211.0903.693.69
Bexar County88748295714.833.984.334.933.63
Austin County4402113.9613.8206.753.36
Williamson County11201917182.344.13.743.223.29
Starr County331324.824.771.574.693.1
Bee County224316.16.0912.279.143.07
Taylor County368642.244.455.894.412.93
Webb County8651583.032.251.855.512.91
Hidalgo County25263038253.063.143.574.472.9
Brown County0143102.6710.617.882.63
El Paso County30313339223.613.723.964.662.62
Collin County15211523251.752.371.642.442.58
Denton County17141218212.331.861.542.232.51
Upshur County134712.527.459.9117.132.42
Kendall County4332110.767.817.514.772.27
Wilson County371216.6315.172.124.152.03
Lamar County423318.154.056.086.052.02
Kerr County353416.039.955.917.81.93
Fort Bend County23141517143.522.052.12.291.83
Randall County867626.314.665.374.531.49
Archer County3402034.1245.27022.790
Armstrong County20000103.090000
Atascosa County295204.2618.8710.344.110
Bailey County1011014.09013.8913.930
Baylor County1220027.9656.0754.8100
Borden County10000154.80000
Brewster County1110010.7610.9310.9500
Briscoe County0000000000
Brooks County2110027.5413.7813.8200
Castro County1200012.3725.29000
Cochran County0000000000
Coleman County02010023.76011.880
Collingsworth County003000099.6700
Cottle County01000070.03000
Culberson County1321043.38131.5888.8545.070
Dallam County02100027.7713.7700
Deaf Smith County110105.225.2405.310
Delta County2003039.080058.30
Dimmit County4320036.6827.2218.2100
Donley County01000028.56000
Edwards County0020000104.7100
Falls County141105.823.255.85.770
Floyd County1101016.0216.82017.020
Foard County1000077.640000
Franklin County122209.4218.9318.8818.760
Frio County3051016.32025.965.160
Glasscock County22110158.23151.8673.0574.070
Goliad County01110013.3313.3213.30
Hall County1020031.62064.6800
Hansford County2110036.1318.0717.8300
Hemphill County01100023.9523.300
Hutchinson County05230022.839.1813.910
Irion County1510062.07317.6664.8100
Jack County1010011.24011.3100
Jeff Davis County01000045.05000
Jim Hogg County03110056.3918.9319.070
Karnes County6342040.7620.2326.2313.10
Kenedy County00010000233.640
King County0000000000
Kinney County2002055.080054.950
Knox County1110026.8726.3126.3700
Limestone County0240008.5117.0600
Lipscomb County0000000000
Loving County0011000840.34869.570
Martin County01620018.27105.7135.160
Mcculloch County03110036.812.1212.310
Mcmullen County032000377.36241.2500
Menard County0000000000
Mills County01100020.5520.4600
Motley County1000083.890000
Ochiltree County2300018.7528.08000
Panola County223008.418.4212.6800
Rains County100209.070017.690
Runnels County131309.8229.229.6629.250
San Saba County1101017.5717.19017.030
Schleicher County3000094.070000
Scurry County122005.7911.4911.3700
Shackelford County01010030.08029.730
Sherman County01000032.59000
Stephens County0000000000
Sterling County0000000000
Stonewall County21000141.0472.1000
Sutton County3111075.3625.2625.6725.870
Swisher County1010012.96013.3700
Terrell County00010000122.250
Throckmorton County0000000000
Upton County042000114.9854.7900
Val Verde County323106.124.16.132.040
Yoakum County02000023.86000
Young County0111005.475.515.530
Zapata County101106.9506.896.920
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Dallas and Bexar counties again were in the top spots when it came to fatalities. We know everyone likes to have fun and celebrate the good times, but if you choose to drink, please have a designated driver.

Teen Drinking and Driving

In 26 states and D.C., under-21 alcohol-impaired driving fatalities per 100,000 population were at or below the national average of 1.2 deaths per 100,000 population.

The average teenage alcohol-impaired traffic fatality rate per 100,000 population for Texas was 1.9.

Texas has one of the highest teenage drinking and driving fatality rates in the U.S. But let’s look a little closer at the teenage drinking and driving arrest rates in Texas.

DUI Arrest (Under 18 years old)DUI Arrests (Under 18 years old) Total Per Million PeopleRank
42157.7134
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Texas is ranked 34th in the U.S. for under-18 drinking and driving arrests.

EMS Response Time

If you or someone you know is in an accident, you want help to arrive as fast as possible. Check out the table below for response times for emergency personnel in rural and urban areas.

AreaTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatal Crashes
Rural7.68 mins15.91 mins44.07 mins63.89 mins1,281
Urban4.31 mins8.18 mins27.01 mins38.38 mins2,052
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In 2017, there were almost 800 more fatal crashes that happened in the city than in the country.

Transportation in Texas

When you drive through your neighborhood, do you ever notice how many cars are sitting in your neighbors’ driveways? Usually, we can tell if someone is visiting by that extra car parked outside the house.

The following data was sourced from the Census Bureau via the website DataUSA.io.

Car Ownership

Just like the national average, the average household in Texas has two cars. If you do have two (or more) vehicles, it’s always a good idea to talk to your insurance provider to determine if you qualify for a multiple vehicle discount on your auto premium. It could save you hundreds of dollars.

Commute Time

The average commute time in the U.S. is 25.5 minutes. Fortunately, Texans enjoy an average commute time is slightly lower than this at 25.2 minutes. A smaller number of Texans, 2 percent, have a “super commute” of 90 minutes or more — less than the U.S. average.

This news video explains more:

However long your commute is, we encourage you to obey posted speed limit signs so you can arrive safely.

Commuter Transportation

In every state, driving alone is the most common commute option, though people are beginning to turn to other commute options like carpooling and working from home.

Mode Of TransportationDrove AloneCarpooledWorked At HomePublic TransitWalkedBicycleTaxiMotorcycle
Percentage for 201780.6%9.85%5.08%1.51%1.57%0.312%0.0944%0.141%
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Texas is no exception, as 80.6 percent of commuters drove alone.

Traffic Congestion

According to Inrix, the following six Texas cities have the most congested traffic. Drivers in those cities spend an average of 30 – 40 minutes stuck in traffic regularly.

.

City2018 World RankHours Lost in CongestionCost of Congestion (per driver)
Houston, TX7798$1,365
Austin, TX84104$1,452
Dallas, TX12276$1,065
El Paso, TX16266$916
San Antonio, TX16360$832
Corpus Christi, TX18566$928
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Houston ranks the highest, at 77th worldwide. It’s also the most traffic-congested city in the Lone Star State. That time sitting in Houston traffic costs the average resident $1,365 a year.

Now that you’ve read through this comprehensive guide and know everything there is to know about buying car insurance in Texas, it’s time to hit the road. Before you go, though, we’d like to know, did we miss anything in this guide? Which section was most helpful to you?

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References:

  1. https://www.fhwa.dot.gov/ohim/onh00/onh.htm
  2. https://www.naic.org/
  3. https://www.inc.com/sonia-thompson/women-are-charged-100000-more-for-same-products-as-men-heres-what-you-can-do-to-stop-it.html
  4. https://www.quadinfo.com/
  5. http://www.ambest.com/home/default.aspx
  6. https://www.jdpower.com/business/press-releases/2019-us-auto-insurance-study
  7. https://naic.org/index_consumer.htm#complaints_state
  8. https://statutes.capitol.texas.gov/Docs/IN/htm/IN.2301.htm
  9. http://www.carwindshields.info/states
  10. https://www.dps.texas.gov/DriverLicense/sr22InsuranceCertificate.htm
  11. http://taipa.org/
  12. https://www.tdi.texas.gov/reports/fraud/documents/2017fraudreport.pdf
  13. https://www.tdi.texas.gov/
  14. https://www.dhs.gov/real-id/texas
  15. http://www.texassure.com/
  16. https://www.dps.texas.gov/driverlicense/drp.htm
  17. https://statutes.capitol.texas.gov/Docs/TN/htm/TN.601.htm#601.001
  18. https://www.iihs.org/topics/older-drivers/license-renewal-laws-table
  19. http://www.texas.gov/licenseeligibility
  20. http://www.dps.texas.gov/DriverLicense/FAQs/drpIndex.htm
  21. https://www.tdi.texas.gov/takefive/ride-sharing.html
  22. https://www.iihs.org/iihs/topics/laws/driving-automation
  23. https://www.govtech.com/fs/automation/Texas-Forms-Self-Driving-Car-Task-Force.html
  24. https://www.responsibility.org/alcohol-statistics/state-map/state/texas/
  25. https://www.mpp.org/states/texas/
  26. https://www.responsibility.org/get-the-facts/state-map/state/california/issue/marijuana-drug-impaired-driving-laws/
  27. https://ucr.fbi.gov/crime-in-the-u.s/2016/crime-in-the-u.s.-2016/tables/table-6/table-6-state-cuts/texas.xls
  28. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8.xls/view
  29. https://www.nhtsa.gov/
  30. https://www.geotab.com/the-most-dangerous-highways-in-america/
  31. https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf
  32. https://www.census.gov/
  33. https://datausa.io/profile/geo/texas#category_transportation
  34. http://inrix.com/scorecard/

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