Are you looking for a great rate on Houston auto insurance? The best way to save money is to compare multiple car insurance rates and pick the policy that is right for you.
It is important to know how at risk you are with shopping for auto insurance. Out of a population of 2,169,544 citizens, there were 29,044 instances of burglary, 74,817 instances of theft, and a total of 19,465 stolen cars in 2007.
| Houston, Texas Crime Statistics | |||
|---|---|---|---|
| Population | Burglary | Theft | Motor Vehcile Theft |
| 2,169,544 | 29,044 | 74,817 | 19,465 |
Every state's minimum insurance levels are slightly different, but all of them include these three basics components:
- Individual Bodily Injury Liability (BIL):
This is the maximum amount that your insurance company will pay for an individual person injured in a car accident. National minimums range from $10,000 to $50,000. Texas's BIL minimum is $20,000. - Total Bodily Injury Liability:
This is the maximum amount that your insurance company will pay in total for every person injured in a car accident. National minimums range from $20,000 to $100,000. Texas's total BIL minimum is $40,000. - Property Damage Liability (PDL):
This is the maximum amount that your insurance company will pay for property damage caused by a car accident. This includes all physical damage such as vehicle damage, damage to road signs and telephone poles, and any other non-medical expenses caused by a car accident. National minimums range from $5,000 to $25,000. Texas's PDL minimum is $15,000.
Even though the minimum insurance requirements in Houston, Texas are 20/40/15, it's important to consider purchasing more than the bare minimum. With so many cars on the road worth $50,000 or more, it doesn't take much for a car accident to produce tens of thousands of dollars in damage. The same goes for Bodily Injury Liability requirements.
It's definitely worth paying a few dollars more for higher coverage levels. Otherwise, you take the risk of finding out after an accident that you don't have enough insurance. Often, it doesn't cost much to bump state minimum levels up to a safer level like 100/200/100.
| Texas Insurance Facts | ||||||
|---|---|---|---|---|---|---|
| Gas Tax (cents) | Insurance Minimums (dollars) | Average Cost | ||||
| Gasoline | Diesel | BIL | BIL (total) | PDL | Texas | National |
| 20 | 20 | 20,000 | 40,000 | 15,000 | $820 | $817 |
Top Ten Stolen Cars in Texas
- 1994 Chevrolet Full Size C/K 1500 Pickup
- 1997 Ford F150 Series
- 1996 Honda Accord
- 2003 Dodge Ram Pickup
- 2000 Honda Civic
- 1994 Chevrolet Suburban
- 1990 Toyota Camry
- 1994 GMC Full Size C/K 1500 Pickup
- 1997 Ford Taurus
- 2002 Ford Explorer
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