Auto insurance premiums in Texas

Auto insurance premiums in Texas averaged $846.93 in Texas in 2008, representing a change of 1.10 percent from the previous year when rates averaged $837.40. The 2008 figures indicate that, liability coverage averaged $476.39, collision averaged $321.19, and comprehensive averaged $146.50. There were 16 states that had higher average premiums and 33 with lower premiums. In 2007 there were 16 states with higher rates than Texas. Taking a look at a longer trend, premiums for car insurance in Texas in 2000 averaged $677.83 and in 2005, $735.46. In the year 2000, 20 states had higher premiums.

Factors Affecting Insurance Costs In Texas:
Speed Limit in Cities  
70
Speed Limit On Highways  
75
Blood Alcohol Percentage Limit  
0.08
Open Container Law  
Both the driver and passenger of vehicles are prohibited from posessing open alcohol
Handheld Cell Phones  
There is no statewide ban on hand held cell phone use while driving.
Cell Usage By Driver  
Bus drivers when a passenger 17 and younger is present; intermediate license holders for first six months
License Suspension on DUI  
On a first offense for DUI/DWI drivers license is suspened for 90 days.
Restoration Abailable After DUI  
Driving privileges may be restored during suspension.

Texas Auto Insurance Premium Data
2008Average Premium  
$846.93
2007 Average Premium  
$837.40
2007-2008 % Change  
1.10%
2008 Collission Cost  
$321.19
2008 Liability Cost  
$476.39
2008 Comprehensive Cost  
$146.50
2008 Premium Rank  
17

Auto insurance premiums in Texas