Is car insurance cheaper in Texas than Florida?

You should expect to pay more for car insurance in Texas than you did in Florida. The average annual auto insurance rate in Texas is $305 more costly than the average cost in Florida. The precise cost will depend on your coverage choice, insurance history, and your choice of car insurance company.

Is car insurance more expensive in Texas?

Car insurance is expensive in Texas. The average car insurance rate in Texas is $1,810 per year — 26.8% more than the US average. But auto insurance costs are affected by more than just state lines.


Coverage Level Average Annual Premium
State Minimum — Liability Only $782

Is insurance cheaper in Texas?

For minimum liability, State Farm offers the cheapest rate in Texas at $450 per year. That’s 32% cheaper than the average cost of minimum coverage in Texas, which is $666 annually.

Cheapest Texas auto insurance companies for minimum coverage.

IT IS IMPORTANT:  Where can I get the lowest auto loan rate?
Company Annual rate Monthly rate
Nationwide $873 $73
USAA* $477 $40

Why is car insurance so much more expensive in Florida?

Several factors contribute to why car insurance in Florida is so expensive, including busy roadways, additional insurance requirements, high healthcare costs, rates of uninsured drivers and risk of severe weather. Despite the high cost of car insurance in Florida, there are several ways to reduce your premium.

Is it cheaper to insure a car in Florida?

For comparison, the average annual cost of car insurance in Florida is $1,101 for minimum coverage and $2,364 for full coverage. Although Florida’s average premiums are relatively high — it is one of the most expensive states for car insurance in the nation — there are ways to find more affordable rates.

Why is insurance so high in Texas?

Car insurance in Texas is expensive because the state has three of the top 10 largest cities in the country and large, growing populations across the state. … As the cost of providing insurance goes up, the premiums insurers charge also rise. All insured drivers share the increasing cost of insurance.

Is Texas a fault or no fault state?

The short answer is no, Texas is not a no-fault state. Rather, it is an at-fault state. … At The Zimmerman Law Firm, our experienced Texas personal injury attorneys have helped countless accident victims fight for their auto insurance claims rights throughout the State of Texas.

How much is car insurance in Texas per month?

On average, car insurance rates for drivers in Texas are $270 per month, and $3240 per year. The average rates make Texas the 13th most expensive state in the country for car insurance rates and 18% more expensive than the national average.

IT IS IMPORTANT:  Does volunteering affect car insurance?

How much is car insurance in Texas a month?

The average car insurance rate in Texas is $152 a month, or $1,823 a year for a driver age 30 for full coverage. That’s $65 more annually than the national average ($1,758). The average car insurance rate for state minimum coverage is just under $25 a month, or $414 a year.

How much car insurance do I need Texas?

In Texas, you must have at least $30,000 in liability coverage for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25.

Why does Florida have so many uninsured drivers?

While many drivers in Florida are on the road without insurance, many other drivers carry very little coverage. That’s due to Florida’s minimum auto insurance requirement, which only requires drivers to maintain $10,000 of Personal Injury Protection (PIP) coverage.

Are Florida car insurance rates high?

When it comes to auto insurance, Florida is one of the most expensive states in the nation. Drivers in the Sunshine State pay an average of $2,364 annually for full coverage, according to Bankrate’s 2021 study of average annual full coverage car insurance rates from Quadrant Information Services.

Which county in Florida has the least expensive auto insurance?

A survey finds Alachua County, and its municipalities, have the least expensive auto insurance in Florida. The survey, conducted by Quadrant Information Services for, found Waldo was the cheapest, followed closely by Alachua, Gainesville, Earlton and Newberry.

How much is full coverage insurance in Texas?

The average annual cost of full coverage car insurance in Texas is $1,823 per year, or $151 per month, according to Bankrate’s study of quoted annual premiums. 1,560 ZIP codes were studied to find average premiums in the state. Car insurance in the Lone Star State costs $149 more than the national average.

IT IS IMPORTANT:  Is it difficult to break a car lease?

What city in Florida has the cheapest car insurance?

Cheap Car Insurance in Florida by City

In Florida, the cities with the cheapest full coverage premiums are Santa Rosa Beach, Freeport, and Defuniak Springs.

What is the cheapest state to buy a car?

Overall, New Hampshire is the cheapest state to buy a car, since registration fees are low and sales tax non-existent. Florida is the second cheapest state to buy a car, and the state has a wonderful inventory. In fact, cars cost around ten percent less than the average.