The Ultimate Texas Car Insurance Guide (Costs + Coverage)

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Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

Insurance and Finance Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of, a financial educat...

Licensed Insurance Agent

UPDATED: Mar 16, 2024

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Texas Statistics SummaryDetails
Road MilesTotal in State: 313,596
Vehicle Miles Driven: 243,076 Million
VehiclesRegistered: 20,431,631
Total Stolen: 68,546
State Population28,701,845
Most Popular VehicleFord F150
Uninsured Motorists14.10%
State Rank: 16th
Total Driving Fatalities2008-2017
Speeding: 12,024
Drunk Driving: 13,450
Annual Average PremiumsCollision: $374.49
Comprehensive: $206.42
Liability: $528.75
Cheapest ProvidersState Farm Mutual Auto and USAA

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Commonly known as the Lone Star State, the great state of Texas is the largest continental state in the U.S. with an area of almost 270,000 square miles and over 300,000 miles of roadway.

With a complex terrain, Texas boasts desert valleys, mountains, sandhills, grasslands, rivers, and plateaus. But a beautiful terrain isn’t all Texas has to offer.

Texas is also home to major cities like Houston, San Antonio, and Dallas, and a lesser populated area such as Austin or Fort Worth. With so many large cities, it’s no wonder that Texas’s population is nearly 29 million.

Texas is also one of the 15 most expensive states in the country, even if you live in a nice town like Corpus Christi, Arlington, or El Paso. That’s why it’s so important to shop around and make sure you’re getting the best deal.

If you’re currently one of the 29 million Texas residents or you’re looking to move to the Lone Star state, one important thing is probably on your radar: with all those vehicles on the road, you’re going to need a good car insurance policy.

In this guide, we want to show you how you can get the best Texas auto insurance policy that not only fits your lifestyle but fits your budget as well.

We will cover topics like insurance rates and laws, safety laws, vehicle theft, types of coverage, fatality rates and more.

Ready to start comparing Texas auto insurance rates right now? Use our free tool above by entering your zip code here right now.

Want to do a little more research before you make a decision on your auto insurance policy? Keep reading as we get into coverage and rates below.

Table of Contents

Texas Car Insurance Coverage and Rates

Auto insurance rates can be confusing, especially when you have no idea what factors go into creating your unique rate. Coverage type has a lot to do with rate, but most of the time that’s not always the case.

To help you decide what coverage you need that fits into your budget, we are going to explain different coverage types in this next section.

Don’t get stuck overpaying for something you don’t need. For more information on ways to save on your auto insurance policy, pay attention to the section below.

Texas Car Culture

According to the Hartford, a big state means more mileage on your vehicle – but an expensive gas bill doesn’t scare Texans away from buying gas guzzlers. In fact, Texans buy one out of every six pickup trucks sold nationally.

Since having a pickup truck provides you with the freedom to both travel anywhere you need to go and haul anything you need to move, it represents the kind of independent lifestyle that many Texans embrace.

There is also a long history of Texans modifying their sports cars, from mounting longhorns on car grilles to the annual Houston Art Car Parade, which celebrates the unique and even bizarre ways in which a vehicle can become a rolling work of art.

Texas Minimum Car Insurance Coverage

Much like many other states in the U.S, they also have what is called Texas liability insurance coverage.

But, before we get into what that means, let’s discuss why you need car insurance at all.

According to Nolo, under Texas’s status as a “fault” car accident state, drivers are required to demonstrate their financial responsibility for any crash they might cause.

In layman’s terms, if you cause an accident, you are required to cover the costs of any damages and/or medical bills resulting from that accident. What if you caused a nine-car pile-up? Yep, you’re stuck paying for nine damaged vehicles to be repaired.

Freaked out yet? Don’t be. This is where car insurance comes in to save the day.

We’ve already said that Texas state law requires every driver to carry an auto insurance policy, but did you know your insurance policy must meet Texas state law requirements?

At the very least, ever driver must carry minimum liability insurance. Liability insurance is there to help you cover costs of damages incurred in an accident.

Liability insurance acts as a safety net. If you cause an accident, you’re probably not going to go bankrupt if you carry minimum liability insurance.

However, you could still be stuck paying for damages and medical bills with money from your own pocket; that’s why more insurance coverage is better insurance coverage.

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

Do you think you might need a little more coverage? Stay tuned because additional coverage options are coming up next.

Forms of Financial Responsibility

What is a form of financial responsibility? This term is just a couple of fancy words for proof of insurance. Texas law states that every driver must carry proof of insurance with him or her in a moving vehicle at all times.

Proof of insurance can be shown to a law enforcement officer in any of the following ways:

  • 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)

Worried about carrying your ID card on you at all times? Take a screenshot of your insurance card on your cell phone and store it in your photo library.

Any time a police officer asks to see proof of insurance, you must show it to him or her. If you’re caught driving without proof of insurance, you may have to face some serious penalties.

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

Keep in mind that current proof of liability insurance is also required to receive or renew motor vehicle registration or vehicle safety inspection. Proof of liability insurance is required only of original driver license applicants.

Premiums as a Percentage of Income

In 2014, Texas’s average annual per capita disposable income was $41,090.00.

But what is a per capita disposable income and what does it have to do with car insurance? Disposable income is the amount of money a person has in their paycheck after taxes have been paid.

In 2014, Texans paid an average of $1,066.20 per year for full coverage car insurance. If the average income the same year was $41,090, this means 2.59% of Texan’s income is spent on car insurance alone!

If Texans are spending just over $1000 on car insurance per year, this means that they are spending an average of $88 monthly.

Countrywide, Americans have an average per capita income of $40,859.00 and pay an average of $981.77 per year on a full coverage car insurance policy.

Texas’s average income is a little higher than the countrywide average, but Texas car insurance is also a little higher than the countrywide average as well.

If you look at the data from surrounding states, New Mexico had a much lower per capita income of $33,358.00 and paid an average of $920.42 per year for car insurance.

Arkansas’s income and car insurance rate for 2014 was about the same as New Mexico’s.


Core Car Insurance Coverage in Texas

Coverage TypeAnnual Costs (2015)

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The data from the table above is pulled directly from the National Association of Insurance Commissioners.

Keep in mind that the prices for these different types of coverages are probably a little different than they were in the year 2015.

The countrywide average for car insurance is $981.77, so Texans pay a little more than this per year of $1,066.20.

Minimum liability is a great plan to have, but if you really want to make sure you’re never stuck paying out of pocket for damages in the event of a car accident, check out additional coverage options in the sections below.

Additional Liability Coverage in Texas

Loss Ratio201420132012
Personal Injury Protection60.73%66.3%64.35%
Medical Payments69.55%68.78%65.76%
Uninsured/Underinsured Motorist Coverage64%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. Even though drivers aren’t required by law to carry these add-ons, it still might be a great idea to carry them anyway.

But why?

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

If an uninsured driver hits you, damages your vehicle or sends you on a trip to the emergency room, chances are that uninsured drivers will never be able to pay you back for the damages he or she caused. Why?

Repairing vehicles costs a lot of money and uninsured drivers will most likely go bankrupt while attempting to pay these bills.

That’s why it is important to carry uninsured motorist coverage.

But what are loss ratio percentages?

Loss ratio percentages are a way we can measure a companies’ financial strength. If you check out the table above, you will see that the loss ratio percentages from 2012-2014 all fall between 50-100 percent. This is a very good thing.

A loss ratio percentage tells us how many filed claims were paid and how many filed claims went unpaid.

This is important when finding a new insurance company because if the percentage was too high (over 100 percent) the company could be at risk of going bankrupt because they are paying too many claims – some of these claims could be fraudulent.

When you get into an accident, you are required to file a claim with your insurance company. A claim is a report stating all damages that need to be repaired. Claims can also be filed for medical bills.

If the loss ratio percentage is too low (under 50 percent) the car insurance company probably isn’t paying enough claims and might be scamming clients.

In short, when you’re looking for a new insurance company, make sure you stick with a company that has a loss ratio percentage somewhere between 50-100 percent.

Add-ons, Endorsements, and Riders

What other types of insurance can you add to your policy? Every insurance policy should be unique, so the choice is completely up to you.

Click on the links below to learn more about these special add-ons.

Add one or add them all – just remember you are not required to carry any of these types of insurance.

Male vs. Female Annual Car Insurance Rates in Texas

Did you know factors like gender, marital status and age can affect your car insurance rate?

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$3,564.65$3,599.14$3,520.01$3,520.01$9,359.61$11,309.20$4,410.14$4,599.76
The General Automobile Ins Co Inc$2,918.37$3,249.14$2,712.68$3,109.48$7,713.17$10,116.84$4,191.50$4,782.23
Geico County Mutual Ins Co.$2,433.73$2,622.73$2,340.42$2,649.67$5,298.09$5,502.21$2,632.39$2,627.86
Nationwide CCMIC$2,430.55$2,473.88$2,146.15$2,275.09$6,856.66$8,817.88$2,851.87$3,088.49
Progressive Cty Mtl$2,496.28$2,372.24$2,219.05$2,262.84$10,406.29$11,607.15$2,956.93$2,997.99
State Farm Mutual Auto$2,020.71$2,020.71$1,797.39$1,797.39$4,814.71$6,130.76$2,195.23$2,262.71

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Unfortunately, men usually end up paying more for car insurance than women do. If you’re married, sometimes car insurance companies will cut you a break – but it’s worse when you’re a minor!

Car insurance companies know inexperienced drivers are more likely to get into a car accident.

As a young person, your rates will be higher until you’re about 25 unless you have a poor driving record. If you keep a clean record, your rates are likely to decrease significantly the older you get.

Read more: The General Auto Insurance Review

Cheapest Rates by Zip Code in Texas

Where you live has a lot to do with your car insurance rate as well.

Find your zip code in the tables below.

25 Most Expensive Zip CodesCityAverage by Zip CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest 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
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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A number of the most expensive zip codes are in Houston.

25 Least Expensive Zip CodesCityAverage by Zip CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest 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
76908GOODFELLOW AFB$3,281.51Allstate$4,542.85American Family$3,972.20USAA$2,074.47State Farm$2,437.99
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
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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The cheapest zip code is in San Angelo.

Cheapest Rates by Cities in Texas

Find the cheapest rate by city in the tables below.

Top 10 Most Expensive CitiesAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Weslaco$5,452.78American Family$11,340.83Allstate$6,223.28State Farm$2,972.86USAA$3,185.94
Texhoma$5,290.29American Family$11,340.83Progressive$7,937.62USAA$2,417.11State Farm$2,464.41
Aldine$5,143.60American Family$7,037.06Allstate$6,940.06USAA$3,023.62State Farm$3,867.55
Cockrell Hill$4,805.29Allstate$6,750.75American Family$6,361.56USAA$2,898.46State Farm$3,728.37
North Houston$4,799.60Progressive$7,300.88Allstate$6,438.51USAA$2,760.28State Farm$3,348.79
Houston$4,770.73American Family$6,846.57Allstate$6,514.79USAA$2,931.67State Farm$3,466.09
Garciasville$4,762.95Progressive$7,172.16Allstate$6,903.43State Farm$2,719.54USAA$2,891.85
South Houston$4,748.61Allstate$6,493.81American Family$6,132.67USAA$3,023.90State Farm$3,338.51
Galena Park$4,739.02Allstate$6,493.81American Family$6,255.89USAA$3,163.52State Farm$3,389.03
Linn$4,726.10Progressive$6,965.34Allstate$6,148.71State Farm$3,080.73USAA$3,185.94

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The city of Weslaco comes in first place for the city with the most expensive car insurance: over $5,000 per year.

Top 10 Least Expensive CitiesAverage 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

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Grape Creek has the least expensive zip code.

Affordable Insurance Options Across Texas Cities

Explore the most cost-effective insurance choices in various Texas cities, including Arlington, Fort Worth, Lubbock, Corpus Christi, Garland, Plano, Dallas, Houston, San Antonio, El Paso, and Irving. This guide helps you navigate through the cheapest insurance providers to secure your needs efficiently and economically.

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Enter your ZIP code below to compare auto insurance rates.

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Best Texas Car Insurance Companies

With literally hundreds of car insurance companies out there, it can be difficult to choose just one to trust with your money and your peace of mind.

No one has time to dig through hundreds of car insurance reviews; that’s why we wanted to include this next section about the best car insurance companies in our guide.

Below, we will talk about AM best ratings, customer service satisfaction, company complaints, and more. We’ve partnered with the NAIC and J.D. Power to serve you better with the following information.

Ratings of the 10 Largest Car Insurance Companies in Texas

CompanyAM Best RatingDirect Premiums WrittenLoss RatioMarket Share
State Farm GroupA++$3,563,12078.29%16.83%
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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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 above show AM Best Ratings of an A rating or higher. They also all have great loss ratio percentages.

Texas Car Insurance Companies with the Best Ratings

When you’re standing on the side of the road after you’ve just gotten into a car accident, the last thing you want to hear on the phone from your insurance company is a nasty voice.

Customer satisfaction might be one of the most important things when it comes to picking a new car insurance company. Is the person I’m speaking with friendly on the other end of the line? Are they compassionate?

The information below is brought to you by J.D. Power.

The 2019 U.S. Auto Insurance Study, now in its 20th year, examines customer satisfaction in five factors (in order of importance): interaction; policy offerings; price; billing process and policy information; and claims.

The study is based on responses from 42,759 auto insurance customers and was fielded from February through April 2019.

JD Power Ranking for Texas

With the exception of USAA (a company that only serves military members and their families), Texas Farm Bureau Insurance was ranked number one for customer satisfaction in 2019.

Companies with the Most Complaints in Texas

Every company receives complaints. How a company handles a complaint is what really makes all the difference, especially when it comes to customer satisfaction.

The data below is collected from the NAIC.

CompanyNational Median
Complaint Ratio
Company Complaint
Ratio 2017
Total Complaints
State Farm Group10.441482
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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You shouldn’t avoid a company just because of a couple of complaints. Look at Geico for instance. Geico is rated as one of the best insurance companies in the world and still, there were complaints against them.

Cheapest Car Insurance Companies in Texas

Texas Average Annual Auto Insurance Rates by Company
CompaniesAverage Annual Auto Insurance RatesCompared to State Average Auto Insurance RatesPercentage Difference Compared to State Average
State Farm Mutual Auto$2,879.95-$1,048.39-36.40%
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%
The Gen Automobile Ins Co Inc$4,849.18$920.8418.99%
Allstate F&C$5,485.32$1,556.9828.38%

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According to the data above, State Farm Mutual Auto and USAA have the cheapest car insurance rates in Texas.

Commute Rates by Companies in Texas

Did you know that how far you drive every day can also affect your rate?

Group10 miles commute, 6000 annual mileage25 miles commute, 12000 annual mileage
American Family$4,849.18$4,849.18
State Farm$2,879.95$2,879.95

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With the exception of USAA and Allstate, most rates are the same even if you drive a total of 10 miles per day or 25.

Coverage Level Rates by Companies in Texas

Worried about paying too much for car insurance? Sometimes, insurance providers will give you a break on your rate if you have more insurance than what is required by the law.

Texas Average Annual Auto Insurance Rates by Coverage Level
CompanyLow CoverageMedium CoverageHigh Coverage
American Family$4,517.27$4,672.73$5,357.52
State Farm$2,729.50$2,870.49$3,039.86

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Credit History Rates by Companies in Texas

Do you have a bad credit score? If so, chances are you might be spending a lot more green than you need to on your car insurance policy.

GroupGood Credit HistoryFair Credit HistoryPoor Credit History
American Family$3,672.27$4,205.41$6,669.84
State Farm$2,023.50$2,538.85$4,077.51

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According to Experian, the average credit score in the state of Texas in 2017 was 656. This score put Texas on the list of the top ten states with the lowest credit scores.

The average American countrywide has an average credit score of 675, so Texas falls behind this score by 19 points.

A poor credit score can cost you thousands of dollars more per year when it comes to your car insurance rate.

According to the data above, Geico has the most drastic rate change – your rate could increase to about $4,000 per year if you lose your good credit score. Ouch!

Driving Record Rates by Companies in Texas

We’re not going to say car insurance companies don’t use rates as punishments, but we actually are going to say car insurance companies use rates as a way to help drivers be better, more responsible drivers.

Does that make sense?

Take a look at the table below. If you get just one speeding ticket, your car insurance rate could increase by up to $400 a year.

GroupClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
American Family$4,418.84$4,418.84$5,627.66$4,931.37
State Farm$2,561.35$2,561.35$2,934.63$3,462.47

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On the other hand, if you keep a clean record, car insurance companies will reward you for being a good driver. It’s called a “good driver discount.”

Number of Insurers in Texas

What’s the difference between foreign and domestics insurers?

DomesticForeignTotal Number of Licensed Insurers

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Domestic insurance laws are formed under the state laws of Texas, while foreign insurance laws are formed under the federal laws of the U.S.

Why do you care? Up next we discuss how insurance laws are formed, why they are important to know and much more.

Texas State Laws

Do you know every single state driving law ever formed?

Here’s a hint: it’s okay if you don’t know all of them. That’s exactly why we wanted to write this next section.

With so many state laws, it’s difficult to know every single one of them. Not knowing these laws could put you in jail, or worse, cause you to get into a car accident.

The “I didn’t know, Officer,” excuse isn’t going to cut it (most of the time).

To keep your car insurance rate affordable, you might want to pay attention to this next section on Texas state laws.

The following information is brought to you by the NAIC, the IIHS,, and

Car Insurance Laws in Texas

Have you ever wondered how statewide car insurance laws are determined?

According to the NAIC, state laws have considerable influence on auto insurance.

Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

In addition, the states have enacted varying auto seat belt requirements, drunk driving laws, and maximum speed limits.

But how are car insurance laws formed in Texas?

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.

Why do you care about how these laws are formed? Have you ever needed your windshield replaced?

You guessed it. The state decides important laws like these which could save you money in the long run.

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

Have you ever been in an accident and needed to get high-risk insurance or SR22 insurance?

According to the Texas Department of Public Safety, a Financial Responsibility Insurance Certificate (SR-22) is required by the Texas Transportation Code Chapter 601 to verify that you are maintaining motor vehicle liability insurance.

An SR-22 can be issued by most insurance providers and certifies that you have the minimum liability insurance as required by law.

An insurance provider will automatically notify the Department when an SR-22 is canceled, terminated or lapses.

Here are some reasons you may need to get SR-22 insurance:

  • Conviction of DUI/DWI
  • Driving while uninsured
  • A traffic violation that results in a fatality or serious injury
  • A high number of points on your driving record
  • A high-risk car (sports cars, etc.)

You should contact your local insurance agent or provider to obtain an SR-22. If you do not own a vehicle, you should ask an insurance provider about a Texas Non-Owner SR-22 Insurance policy.

Low Income Government Aided Car Insurance

Unless you live in California, Hawaii, or New Jersey, you’re not getting any government aid to help you pay for your car insurance.

Discouraged? Are you looking for more ways to save? Ask your provider if you qualify for any of the following discounts:

Are you ready to start comparing rates right now? Enter your zip code in the box below to see how you can save 50 percent or more on your car insurance policy.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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Automobile Insurance Fraud in Texas

What is automobile insurance fraud?

According to the III, Insurance fraud can be “hard” or “soft.” Hard fraud occurs when someone deliberately fabricates claims or fakes an accident.

Soft insurance fraud, also known as opportunistic fraud, occurs when people pad legitimate claims, for example, or, in the case of business owners, list fewer employees or misrepresent the work they do to pay lower premiums for worker’s compensation.

Check out this comical video below – it shows people faking accidents.

Are you worried about accidentally committing insurance fraud? Don’t pad your claims and don’t fake an accident.

The III also says that the Insurance Research Council reported that “Auto insurance fraud and claim buildup added between $4.9 billion and $6.8 billion to closed auto injury claim payments in 2007.”

If you or someone you know has committed insurance fraud and you’d like to report it, or you need assistance with an insurance claim, please contact the Texas State Department of Insurance at 512-676-6000 or visit their office located at the address listed below.

333 Guadalupe Austin, TX 78701

Statute of Limitations in Texas

The statute of limitations law prevents drivers from cheating the system by filing insurance claims many years after being in an accident.

The statute of limitations law also protects the driver by allowing claims to be filed within a certain amount of time.

Here’s what we mean: in the state of Texas, you have just two years from the day you get into an accident to file an insurance claim for both property damage and personal injury.

Two years goes by fast, so if you’ve been in a recent accident, don’t sit around and wait to file a claim.

Texas State Specific Laws

Here’s a fun little section sure to make you laugh.

Texas has seven weird state-specific driving laws.

  1. All vehicles must have windshield wipers – even if the vehicle doesn’t have a windshield.
  2. Anything protruding from a car bumper must be attached with a chain.
  3. In Lubbock, Texas, individuals cannot drive within an arm’s length of alcohol. This includes alcohol in someone else’s body and/or bloodstream.
  4. In Texarcana, horseriders must have taillights on their horses while riding at night.
  5. In Denton County in Fort Worth, you must set your parking brake every time you get out of your car.
  6. In Richardson, it’s illegal to make a U-turn.
  7. In Galveston, it’s illegal to drive down Broadway before noon on Sundays.

Vehicle Licensing Laws

Have you ever heard of a REAL ID?

After October 1st, 2020, individuals will need to show a REAL ID to get through airport security – even when traveling on domestics flights.

Does your license have a gold star in the top right-hand corner?

Penalties for Driving Without Insurance

The information below is brought to you by the Texas Department of Public Safety and the Transportation Code, Title 7.

Driving without car insurance in Texas is against the law. Check out the table below for penalties for drivers who choose to drive without insurance.

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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When a law enforcement officer asks for your proof of insurance and registration, you must show it to him or her. In case you forgot, let’s go over acceptable forms of proof of insurance.

  1. Valid liability insurance ID cards
  2. Copy of your current car’s insurance policy
  3. Valid insurance binder (a temporary form of car insurance)
  4. Picture of proof of insurance on your smartphone
  5. Electronic proof of insurance

If you’re caught driving without insurance, you could have your license taken away.

Teen Driver Laws in Texas

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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If you have a restricted license in Texas, you must follow these laws listed below.

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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Driver License Renewal Procedures

Texas state law requires every driver to renew their license. However, this law is different for drivers based on age.

If you are under the age of 85, you must renew your license every eight years. If you are 85 years old or older you must renew your license every two years.

Proof of adequate vision is required at every renewal if you are 79 years old or older. If you are younger than 79, you must show proof of adequate vision if you are renewing your license in person.

You may renew your license online or by mail if:

  • You are under the age of 79
  • You may renew your license online or by mail every other time

The info above is collected from the IIHS.

New Residents in Texas

Are you a new resident in the state of Texas? Thinking about moving to the Lone Star State any time soon?

You have 30 days from the time you move to register your vehicle in the state of Texas.

In Texas, you must show you have insurance coverage for a minimum of $30,000 per injured person, up to a total of $60,000 for everyone injured in an accident, and $25,000 for property damage.

Be sure to let your insurance company you are moving so they can set you up with the right insurance policy. Keep in mind that some companies do not provide insurance in certain states.

Negligent Operator Treatment System (NOTS)

According to Texas Car Laws, unlike a simple speeding ticket, “negligent” or reckless driving is a more serious offense. Under the Texas Transportation Code, you can be charged with a misdemeanor.

Getting convicted means it will go into your permanent record and shows up on criminal background checks, which can make getting employment difficult.

Reckless driving in Texas carries significantly lower penalties than in most other states. Each reckless driving conviction in TX will result in a fine of $200 or less, or imprisonment in county jail for up to 30 days, or both.

There may be additional surcharges or court and lawyer costs involved, depending on each case. Reckless driving typically comes paired with other charges such as speeding or street racing.

In case of death or injury to persons or damage to property, it can come with felony charges, especially if the violation is classified as a hit and run.

In addition to fines, two points will be added against your driver’s license record, or three if involved in an accident. Your license will furthermore be automatically suspended for 30 days.

Rules of the Road

This next section will cover Texas’s rules of the road. We’ll talk about seat belt and car seat laws, speed limit laws, ridesharing insurance laws, and more.

Fault vs. No-Fault

As we previously discussed, Texas is an at-fault car accident state. If you cause an accident, you are held responsible to cover 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.

Read more: Fault vs. No Fault Auto Insurance Laws

Seat Belt and Car Seat Laws

The information below is collected from the IIHS.

Are you aware of Texas’s seat belt laws? Take a look at the table below for more information.

Safety Belt Laws in TexasDetails
Effective SinceSeptember 1, 1985
Primary Enforcementyes; effective 09/01/85
Age/Seats Applicable7 years and younger who are 57 inches or taller; 8+ years in all seats
1st Offense Max Fine$200

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Texas also wants children to be safe while on the road. Help keep your babies safe by making sure you know these car seat laws.

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 just once, 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.

If you are riding in the back of a pick-up truck and the truck is involved in an accident, your insurance may not cover you if the following applies:

  • people 18 and older
  • vehicles that are the only vehicles owned by members of the household
  • vehicles in parades, hayrides, or on beaches
  • vehicles in farm operations used to transport people from field to field or on a farm
  • a vehicle being used in an emergency

Keep Right and Move Over Laws

The Texas Keep Right or Move Over Law is pretty self-explanatory.

Keep right if you are driving slower than the average speed of traffic around you. Use the left lane for passing.

Passing on the right is allowed on one-way roads or during other conditions.

The AAA says state law requires drivers approaching a stationary authorized emergency vehicle, including a tow truck and Texas DMV vehicles and workers, using approved visual signals, and traveling in the same direction, to reduce speed and vacate the lane closest to the emergency vehicles.

Speed Limit Laws in Texas

Below is a table showing Texas speed limits on various roads.

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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Sections of I-10 and I-20 in West Texas and sections of Highway 45 in Travis County have a speed limit for passenger cars and light trucks of 80 mph.

Speed limits of up to 85 mph may be established if the highway is originally constructed and designed to accommodate the higher speed and it has been determined by an engineering study to be reasonable and safe.

State Highway 130 (portions toll) has a posted limit of 85 mph.

Keep in mind that the speed limit laws listed are the maximum limits allowed in the state of Texas.

Ridesharing Laws in Texas

Have you ever heard of ridesharing services like Uber or Lyft? If you work for companies like these, you must have ridesharing insurance.

You can find this kind of insurance at any one of the following providers:

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

Remember that some insurance companies may choose to refuse to insure you if you need ridesharing insurance.

Automation on the Road

What is automation on the road?

According to the IIHS, in driving, automation involves using radar, camera, and other sensors to perform parts or all of the driving tasks on a sustained basis instead of the driver.

One example is adaptive cruise control, which continually adjusts the vehicle’s speed to maintain a set minimum following distance.

Features such as automatic braking, which acts as a back-up if the human driver fails to brake, or blind-spot detection, which provides additional information to the driver, aren’t considered automation under this definition.

What type of driving automation on public roads does the law/provision permit?Require an operator to be licensed?Require an operator to be in the vehicle?Require liability insurance?

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Driving automation is not limited to vehicles that drive themselves without human interaction but includes technologies that vary in technical capability.

Safety Laws

If you don’t know Texas’s safety laws, this next section is for you. We want to make sure you know laws about DUIs, drugged-driving, distracted driving, and more.

Pay attention and buckle up because this next section in our handy dandy insurance guide could save your life.

DUI Laws

From 2008-2017, over 13,000 people were killed as a result of alcohol-impaired driving. In the state of Texas, driving drunk has strict consequences.

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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Below, you’ll see the penalities for drunk-driving.

Number of OffenseALS or RevocationImprisonmentFineOther
1st Offense90 days - 1 year, may be eligible for harship permit72 hours - 6 monthsno minimum, but up to $2000 +conviction based surcharge of $1000 for three consecutive years; if HBAC, surcharge is $1500 for three consecutive years24-100 hours community service; required evaluation, DUI education, and victim impact panel; possible IID
2nds Offense180 days - 2 years, may eb elegible for hardship permit30 days - 1 yearno minimum, but up to $4000 +conviction based surcharge of $1500 for three consecutive years; HBAC surcharge $2000 for three consecutive years80-200 hours community service; required evaluation, DUI education, and victim impact panel; required IID
3rd Offense180 days - 2 years, may be elegible for hardship permit2-10 yearsno minimum, but up to $10,000160-600 hours community service; evaluation, DUI education, vicitm impact panel and IID required
4th Offensesame as 3rd

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As you can see in the table above, the penalties for a fourth offense are the same as those for a third offense.

Marijuana-Impaired Driving Laws

There currently aren’t any specific laws about driving with marijuana in your system, but that doesn’t mean you can’t be pulled over for something called impaired-driving.

Drive sober or get pulled over! Don’t drink and drive and don’t do drugs – especially not while you’re driving.

Disobeying these laws could cost you money in fines, your life, or someone else’s.

Distracted Driving Laws

Studies have shown that the effects of texting and driving can sometimes be worse than drinking and driving.

Taking your eyes off the road for just a few seconds to send a text or answer a phone call can easily cause a driver to wind up in an accident.

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

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Driving in Texas

We’ve gone over insurance laws, rules of the road, safety laws, state laws and more. Now it’s time to get into some can’t-miss Texas facts.

In this next section, we’ll talk about what it’s like to drive in the state of Texas, risks of the road, vehicle theft, traffic fatality rates, and traffic congestion.

The information below is brought to you by Data USA,, the NHTSA Crash Report by State, the FBI, Inrix, and

– Vehicle Theft in Texas

Below is a list of the top 10 most stolen vehicles in the state of Texas.

Make/ModelYear of VehicleNumber of Thefts
Ford Pickup (Full Size)20067,897
Chevrolet Pickup (Full Size)20046,158
Dodge Pickup (Full Size)20042,898
Honda Accord19971,626
GMC Pickup (Full Size)20151,450
Honda Civic20001,371
Chevrolet Tahoe20041,148
Toyota Camry20141,030
Nissan Altima2012957
Chevrolet Impala2007898

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For the top 10 stolen vehicles in each state, the year with the vehicle is just the most popular model year stolen.

According to the list above, the 2006 Ford pickup is the most common stolen vehicle.

This next list shows vehicle theft by city in 2017. The data is collected from the FBI.

Alamo Heights5
Aransas Pass23
Balch Springs3146
Balcones Heights42
Bay City311
Bayou Vista0
Bee Cave5
Beverly Hills9
Big Sandy1
Big Spring85
Blue Mound4
Bridge City13
Caddo Mills0
Castle Hills321
Cedar Hill98
Cedar Park51
Cockrell Hill15
College Station117
Colorado City7
Copperas Cove34
Corpus Christi731
Crystal City0
Dalworthington Gardens4
Deer Park34
De Kalb4
De Leon2
Del Rio19
Denver City2
Double Oak30
Eagle Lake0
Eagle Pass33
El Campo319
El Paso800
Fair Oaks Ranch2
Farmers Branch92
Flower Mound19
Forest Hill36
Fort Stockton7
Fort Worth2,706
Garden Ridge0
George West5
Glenn Heights12
Grand Prairie495
Grand Saline2
Granite Shoals6
Gun Barrel City12
Haltom City150
Harker Heights52
Hedwig Village6
Hickory Creek6
Highland Park5
Highland Village5
Hill Country Village2
Hollywood Park36
Horizon City7
Horseshoe Bay2
Hughes Springs0
Indian Lake30
Iowa Park7
Jacinto City35
Jamaica Beach1
Jersey Village32
Jones Creek1
Karnes City3
Kaufman2, 317
Knox City0
La Feria6
Lago Vista3
La Grange4
La Grulla0
Laguna Vista2
La Joya1
Lake City0
Lake Dallas4
Lake Jackson24
Lakeview, Harrison County6
Lake Worth15
La Marque64
La Porte49
La Vernia5
La Villa0
League City93
Leon Valley62
Little Elm26
Live Oak39
Log Cabin3
Lone Star0
Los Indios0
Marble Falls7
Meadows Place12
Memorial Villages0
Missouri City69
Mont Belvieu317
Mount Pleasant18
Nassau Bay8
New Boston9
New Braunfels148
North Richland Hills101
Oak Ridge0
Olmos Park2
Oyster Creek3
Palm Valley0
Patton Village7
Pelican Bay0
Pilot Point1
Port Aransas27
Port Arthur153
Port Isabel12
Port Lavaca23
Port Mansfield0
Port Neches26
Prairie View1
Queen City2
Rancho Viejo0
Red Oak24
Richland Hills28
Rio Bravo0
Rio Grande City39
Rio Hondo2
River Oaks17
Roman Forest2
Round Rock64
Royse City11
Runaway Bay1
San Angelo272
San Antonio6,864
San Augustine1
San Benito25
San Diego0
San Juan51
San Marcos169
San Saba3
Sansom Park Village10
Santa Anna0
Santa Fe18
Santa Rosa2
Seven Points6
Shavano Park2
Sour Lake3
South Houston3106
South Padre Island14
Southside Place0
Spring Valley4
Sugar Land56
Sullivan City4
Sulphur Springs13
Sunrise Beach Village0
Sunset Valley1
Surfside Beach0
Terrell Hills0
Texas City123
The Colony42
Three Rivers0
Trophy Club8
Universal City45
University Park19
Van Alstyne3
Wake Village10
West Lake Hills35
West Orange6
Westover Hills1
West University Place4
White Oak19
White Settlement49
Wichita Falls238
Willow Park33
Wills Point2

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Some of these cities had zero theft in 2017.

Road Fatalities in Texas

Let’s move onto something a little more depressing – traffic fatality statistics. What caused them? Was it the weather? Were some vehicles more involved in traffic fatalities than others? How do you avoid them?

All that and more coming up next.

Most Fatal Highway in Texas

Every year, over 30,000 people are killed in road crashes in the United States. According to, US-83 (runs north and south in Texas) is the most dangerous highway in Texas.

To determine the most dangerous highway in Texas, a Fatal Crash Rate is calculated based on the annual number of road fatalities and fatal crashes according to the National Highway Traffic Safety Administration, adjusted for the average daily traffic counts provided by the Federal Highway Administration.

The US-83 (also known as the Texas Vietnam Veterans Memorial Highway) has had an average of 26 fatal crashes per year for the last 10 years.

Fatal Crashes by Weather Condition and Light Condition

Do you ever wonder if the weather patterns have anything to do with the traffic fatality rate?

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal

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According to the table above, over 90 percent of fatal crashes in Texas occurred in broad daylight under normal weather conditions. Some happened at night and in the rain, but mostly, we know that the weather was not the major culprit.

Fatalities (All Crashes) by County

Below are fatality rates for Texas counties.

Per 100K
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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Traffic Fatalities: Rural vs Urban

Usually, more fatalities happen in rural areas because there aren’t as many EMS services near a crash site.


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But according to this table above, the fatality rates between urban and rural areas are about the same.

Fatalities by Person Type

Did person type or vehicle type have anything to do with the fatality rate?

Person Type20132014201520162017
OccupantsPassenger Car1,0671,1371,1711,2191,252
Light Truck - Pickup606693626636588
Light Truck - Utility441480483441457
Light Truck - Van9587888764
Light Truck - Other111118
Large Truck111114100109129
Other/Unknown Occupants2321232731
Total Occupants2,3512,5352,5092,5402,545
MotorcyclistsTotal Motorcyclists493451452495490
Bicyclist and Other Cyclist4850526559
Other/Unknown Nonoccupants1721202221
Total Nonoccupants545550621762687

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Fatalities by Crash Type

What about crash type? Did more fatalities occur when a certain circumstance occurred at the same time?

Crash Type20132014201520162017
Total Fatalities (All Crashes)3,3893,5363,5823,7973,722
(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

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Most of the fatal crashes for the years 2008-17 were single-car crashes and involved some kind of roadway departure.

Five-Year Fatality Trend For The Top 10 Counties

Below is a table showing the five-year fatality trend for the top 10 counties in Texas.

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 County had the most fatalities over a span of five years.

Fatalities Involving Speeding by County

Speeding is another major cause of traffic fatalities.

Per 100K
Anderson County443536.96.925.28.695.2
Andrews County2120211.915.7311.05011.29
Angelina County3104173.4311.424.551.147.97
Aransas County210108.374.0703.960
Archer County1101011.3711.32011.40
Armstrong County30000154.640000
Atascosa County0371306.2914.482.056.12
Austin County264016.9820.7313.5803.36
Bailey County2000028.180000
Bandera County6531229.1824.0214.194.618.95
Bastrop County8544510.546.424.994.835.9
Baylor County1110027.9628.0327.400
Bee County211216.
Bell County15201511204.596.064.463.225.75
Bexar County70697360573.843.713.853.112.91
Blanco County4501037.6146.2808.820
Borden County11110154.8150.15152.44151.520
Bosque County130105.616.9305.550
Bowie County12728212.847.492.148.522.13
Brazoria County13121413183.943.554.053.674.97
Brazos County3610691.472.874.632.734.04
Brewster County2000021.530000
Briscoe County0001000067.290
Brooks County6110082.6313.7813.8200
Brown County0111002.672.652.630
Burleson County121215.811.535.711.235.55
Burnet County56531011.4713.6411.176.5321.37
Caldwell County144562.5510.089.9112.1614.17
Calhoun County110004.64.59000
Callahan County5211637.0514.827.367.2643.02
Cameron County101089102.42.391.912.132.36
Camp County2100016.087.92000
Carson County001010016.65016.58
Cass County206326.62019.919.976.66
Castro County1000012.370000
Chambers County385308.0320.912.87.450
Cherokee County331555.875.861.949.639.57
Childress County1000114.1700014.15
Clay County2100019.139.64000
Cochran County0000000000
Coke County0000000000
Coleman County01020011.88023.750
Collin County12211916371.42.372.081.73.82
Collingsworth County0000000000
Colorado County7181133.84.8338.264.764.71
Comal County9561447.594.064.6610.442.84
Comanche County2104114.777.43029.587.37
Concho County0000000000
Cooke County275225.218.0912.85.15.01
Coryell County313413.911.313.945.341.33
Cottle County0000000000
Crane County1100021.1820.38000
Crockett County2023253.18053.5982.1256.12
Crosby County002410033.8167.616.95
Culberson County1150243.3843.86222.12089.65
Dallam County01000013.88000
Dallas County92118931141023.74.693.644.413.9
Dawson County002000015.400
Deaf Smith County110135.225.2405.3115.93
Delta County0001000019.430
Denton County17211213162.332.791.541.611.91
Dewitt County231109.8114.624.854.850
Dickens County0001000045.430
Dimmit County2720118.3463.5218.2109.6
Donley County03010085.67029.480
Duval County100008.630000
Eastland County7440238.321.9322.03010.86
Ector County1310147148.696.478.764.448.91
Edwards County0031000157.0752.140
El Paso County20282110132.413.362.521.191.55
Ellis County81171275.136.914.297.134.03
Erath County183432.5119.737.289.657.15
Falls County110105.85.8105.770
Fannin County111472.982.972.9911.8220.32
Fayette County5230720.238.0712.02027.7
Fisher County03210077.4651.6725.770
Floyd County02010033.64017.020
Foard County1001077.640082.580
Fort Bend County20119663.071.611.260.810.78
Franklin County02230018.9318.8828.150
Freestone County2215010.2110.185.0725.450
Frio County4060021.76031.1500
Gaines County3231115.9610.3514.844.884.85
Galveston County11171213103.595.423.733.952.98
Garza County1301015.6946.82015.520
Gillespie County123623.957.8511.5622.817.51
Glasscock County0031000219.1474.070
Goliad County02100026.6513.3200
Gonzales County5832124.8339.314.619.594.79
Gray County0220008.538.600
Grayson County1174888.995.673.196.246.1
Gregg County5514664.064.0611.34.854.86
Grimes County204127.46014.643.637.12
Guadalupe County5381013.52.045.316.470.63
Hale County04211011.65.872.922.93
Hall County0000000000
Hamilton County2210224.3124.5412.39023.75
Hansford County01001018.070018.36
Hardeman County03021075.23050.1125.04
Hardin County7432212.667.215.383.553.5
Harris County1211361071351052.783.052.352.922.26
Harrison County639769.064.513.4810.499
Hartley County1130016.6916.5652.8700
Haskell County1310116.9351.7317.19017.4
Hays County10810785.684.335.143.433.73
Hemphill County0000000000
Henderson County324233.822.525.032.53.7
Hidalgo County26292924183.183.53.452.822.09
Hill County6554317.2214.3814.3511.378.37
Hockley County251218.5521.314.298.664.33
Hood County250343.789.2905.296.86
Hopkins County225475.675.613.911.0519.18
Houston County132724.3813.168.830.588.69
Howard County6160316.592.7416.1608.32
Hudspeth County3436589.9122.7787.31147.31113.43
Hunt County171681.
Hutchinson County111304.574.574.5913.910
Irion County042000254.13129.6200
Jack County3100033.7111.29000
Jackson County111116.856.796.766.736.75
Jasper County6142316.852.8211.355.658.44
Jeff Davis County1200144.8290.090043.86
Jefferson County999973.563.563.533.522.73
Jim Hogg County1000019.010000
Jim Wells County424119.64.829.652.432.45
Johnson County91310665.828.296.273.683.59
Jones County220149.9810.080520.02
Karnes County5223333.9613.4813.1219.6519.75
Kaufman County264591.855.413.54.247.32
Kendall County6072216.15017.514.774.54
Kenedy County10000229.890000
Kent County0000000000
Kerr County473508.0413.925.919.750
Kimble County00061000135.522.68
King County0010000352.1100
Kinney County1001027.540027.470
Kleberg County121113.
Knox County1010026.87026.3700
La Salle County4511253.7666.8513.0813.1326.37
Lamar County332416.
Lamb County3011121.9707.547.567.57
Lampasas County0111404.974.94.8419.02
Lavaca County114015.095.0620.0804.98
Lee County2365012.0818.0435.5429.420
Leon County6231036.0911.9517.615.820
Liberty County475495.218.976.294.9210.76
Limestone County0142104.2617.068.54.25
Lipscomb County0000000000
Live Oak County164318.4649.8232.924.958.21
Llano County2203110.2610.18014.584.71
Loving County00010000869.570
Lubbock County1817811126.225.772.683.643.93
Lynn County1021017.46034.8117.260
Madison County0124007.2214.3528.380
Marion County3011329.209.879.9129.81
Martin County1220118.9636.5535.24017.77
Mason County00001000023.69
Matagorda County328228.225.4821.765.395.43
Maverick County150211.778.7703.451.72
Mcculloch County01310012.2736.3512.310
Mclennan County1213127144.975.354.892.835.57
Mcmullen County0000000000
Medina County50341010.5806.28.1319.97
Menard County1000146.8400047.08
Midland County14201210149.1912.777.416.128.48
Milam County04315016.5712.314.0419.96
Mills County03010061.64020.430
Mitchell County1110011.1111.0311.2900
Montague County131205.1615.485.1910.290
Montgomery County21251821124.214.843.363.792.1
Moore County4100018.064.54000
Morris County2312215.7723.788.0716.0116.04
Motley County1000083.890000
Nacogdoches County636519.
Navarro County5311410.416.
Newton County0111006.997.067.050
Nolan County4504726.5733.08026.7247.39
Nueces County1512101294.253.372.773.322.49
Ochiltree County101109.3709.359.710
Oldham County2040495.740193.80189.21
Orange County2106572.4112.017.155.928.23
Palo Pinto County233427.1810.7110.7314.227
Panola County6666125.2225.2725.3625.64.3
Parker County7561185.844.094.788.545.99
Parmer County001020010.2020.32
Pecos County03402018.9424.97012.79
Polk County443448.798.736.448.388.14
Potter County81187136.559.026.65.8110.79
Presidio County01010013.91013.950
Rains County110009.079.09000
Randall County757015.523.885.3700.74
Reagan County1200127.5552.80026.95
Real County2021060.26060.6629.440
Red River County10141808.0932.748.18
Reeves County8430356.3827.5720.13019.63
Refugio County441015554.3913.66013.84
Roberts County030000328.23000
Robertson County2001212.18005.9311.63
Rockwall County301213.5401.112.141.03
Runnels County0102009.74019.50
Rusk County7086413.12015.1111.357.57
Sabine County2110119.199.599.5709.56
San Augustine County01203011.823.98036.35
San Jacinto County3314011.2211.093.6514.410
San Patricio County463026.0594.4702.98
San Saba County1101017.5717.19017.030
Schleicher County3000094.070000
Scurry County2200111.5811.49005.87
Shackelford County1200029.5960.17000
Shelby County221317.77.793.9211.643.92
Sherman County0000000000
Smith County1118259165.
Somervell County1211311.6823.3811.6111.5233.92
Starr County421016.423.181.5701.55
Stephens County2100121.3710.710010.71
Sterling County01100074.9175.1300
Stonewall County0000000000
Sutton County41110100.4825.2625.6725.870
Swisher County1001012.960013.440
Tarrant County64716053483.353.653.022.622.34
Taylor County776265.235.194.411.474.4
Terrell County10000112.230000
Terry County5020139.39015.6807.86
Throckmorton County000020000130.98
Titus County05011015.403.073.04
Tom Green County686325.236.875.12.551.69
Travis County37334328303.32.873.652.322.45
Trinity County2015013.8506.8934.450
Tyler County241219.318.654.689.334.64
Upshur County0231304.977.432.457.27
Upton County1221029.5557.4954.7927.050
Uvalde County120103.727.3903.690
Val Verde County211104.
Van Zandt County6437611.477.585.6212.8710.87
Victoria County355163.335.55.431.086.52
Walker County810410911.5214.295.6613.9512.46
Waller County6412813.218.552.06415.59
Ward County125238.9217.2742.9617.2626.15
Washington County04422011.6211.475.745.71
Webb County63619102.
Wharton County254424.8712.179.679.614.77
Wheeler County03013052.61018.0255.99
Wichita County434443.
Wilbarger County0122107.7115.3315.517.83
Willacy County100514.540022.984.63
Williamson County79111471.491.842.172.651.28
Wilson County261404.42132.128.30
Winkler County001000012.5100
Wise County426586.563.249.547.7612.09
Wood County6412114.159.342.314.562.26
Yoakum County01021011.93023.1911.67
Young County0112205.475.5111.0611.12
Zapata County2000013.90000
Zavala County2201016.4116.3508.270

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Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

In 2017, there were 1,468 alcohol-impaired traffic fatalities in the state of Texas.

Scroll through the list below and find your county to check drunk-driving related deaths.

Per 100K
Anderson County351555.188.641.738.698.66
Andrews County5780929.7840.1244.22050.78
Angelina County344553.434.574.555.695.69
Aransas County210128.374.0703.967.82
Archer County3402034.1245.27022.790
Armstrong County20000103.090000
Atascosa County295204.2618.8710.344.110
Austin County4402113.9613.8206.753.36
Bailey County1011014.09013.8913.930
Bandera County7530334.0524.0214.19013.42
Bastrop County76814129.227.79.9816.9214.16
Baylor County1220027.9656.0754.8100
Bee County224316.16.0912.279.143.07
Bell County16181613244.895.454.763.816.9
Bexar County88748295714.833.984.334.933.63
Blanco County2515118.846.289.0644.098.6
Borden County10000154.80000
Bosque County2310111.216.935.605.46
Bowie County964569.636.424.285.336.38
Brazoria County16121823174.853.555.216.54.69
Brazos County3596101.472.44.172.734.49
Brewster County1110010.7610.9310.9500
Briscoe County0000000000
Brooks County2110027.5413.7813.8200
Brown County0143102.6710.617.882.63
Burleson County112445.85.7611.3922.4622.21
Burnet County475199.1715.9211.172.1819.23
Caldwell County163632.5515.127.4314.67.09
Calhoun County230119.213.7604.564.6
Callahan County3004122.230029.037.17
Cameron County2012917184.82.872.154.034.25
Camp County120028.0415.850015.56
Carson County01111016.5816.6516.3716.58
Cass County105163.31016.593.3219.99
Castro County1200012.3725.29000
Chambers County5737213.3918.287.6817.384.83
Cherokee County6222711.743.913.883.8513.4
Childress County1001114.170014.0914.15
Clay County2000219.1300019.19
Cochran County0000000000
Coke County03211093.3162.0230.6530.25
Coleman County02010023.76011.880
Collin County15211523251.752.371.642.442.58
Collingsworth County003000099.6700
Colorado County4161219.324.8328.694.769.42
Comal County9671077.594.875.447.454.96
Comanche County0111107.437.487.47.37
Concho County1000124.4300036.81
Cooke County254125.212.9210.242.555.01
Coryell County235432.63.946.565.344
Cottle County01000070.03000
Crane County02101040.7719.97021.1
Crockett County3210279.7752.8326.8056.12
Crosby County01101017.1716.9016.95
Culberson County1321043.38131.5888.8545.070
Dallam County02100027.7713.7700
Dallas County98981031311143.953.894.035.064.35
Dawson County2211115.1514.897.77.677.8
Deaf Smith County110105.225.2405.310
Delta County2003039.080058.30
Denton County17141218212.331.861.542.232.51
Dewitt County0212109.754.859.74.94
Dickens County00001000045.27
Dimmit County4320036.6827.2218.2100
Donley County01000028.56000
Duval County101128.6308.828.7317.74
Eastland County3420216.4121.9311.01010.86
Ector County261622142517.3710.3513.768.8815.91
Edwards County0020000104.7100
El Paso County30313339223.613.723.964.662.62
Ellis County711117104.496.916.744.165.76
Erath County144622.519.879.714.484.77
Falls County141105.823.255.85.770
Fannin County122482.985.955.9711.8223.22
Fayette County6352624.2812.120.037.9823.74
Fisher County040110103.28025.7725.77
Floyd County1101016.0216.82017.020
Foard County1000077.640000
Fort Bend County23141517143.522.
Franklin County122209.4218.9318.8818.760
Freestone County2229210.2110.1810.1545.8110.19
Frio County3051016.32025.965.160
Gaines County5233126.6110.3514.8414.654.85
Galveston County12221619183.917.024.985.775.37
Garza County01011015.61015.5215.32
Gillespie County122243.957.857.77.615.01
Glasscock County22110158.23151.8673.0574.070
Goliad County01110013.3313.3213.30
Gonzales County3463214.919.6529.2114.389.57
Gray County0221408.538.64.417.85
Grayson County976977.365.674.787.025.34
Gregg County4779123.255.695.657.289.73
Grimes County3265511.27.421.9518.1317.8
Guadalupe County7381494.92.045.319.065.64
Hale County132122.88.75.872.925.86
Hall County1020031.62064.6800
Hamilton County01102012.2712.39023.75
Hansford County2110036.1318.0717.8300
Hardeman County1200124.6150.150025.04
Hardin County7332612.665.45.383.5510.5
Harris County17421017020920244.723.744.534.34
Harrison County12485818.11611.987.4912
Hartley County01111016.5617.6217.5317.57
Haskell County1220416.9334.4934.38069.61
Hays County69519153.414.872.579.36.99
Hemphill County01100023.9523.300
Henderson County456485.096.317.5559.87
Hidalgo County25263038253.063.143.574.472.9
Hill County4574311.4814.3820.0911.378.37
Hockley County133224.2712.7912.878.668.66
Hood County232743.785.573.6112.336.86
Hopkins County113332.832.88.348.298.22
Houston County5233521.928.7713.1913.1121.72
Howard County4254211.065.4813.4610.925.55
Hudspeth County63327179.892.0887.3149.1158.8
Hunt County354683.435.644.466.538.52
Hutchinson County05230022.839.1813.910
Irion County1510062.07317.6664.8100
Jack County1010011.24011.3100
Jackson County3323220.5420.3813.5220.213.51
Jasper County4242211.245.6511.355.655.62
Jeff Davis County01000045.05000
Jefferson County791115142.773.564.325.865.46
Jim Hogg County03110056.3918.9319.070
Jim Wells County457139.612.0616.882.437.34
Johnson County7914894.535.748.784.915.38
Jones County230239.9815.1101015.01
Karnes County6342040.7620.2326.2313.10
Kaufman County5951394.628.114.3811.017.32
Kendall County4332110.767.817.514.772.27
Kenedy County00010000233.640
Kent County010010133.6900131.06
Kerr County353416.039.955.917.81.93
Kimble County1034222.4068.3190.3345.35
King County0000000000
Kinney County2002055.080054.950
Kleberg County231326.259.423.189.576.43
Knox County1110026.8726.3126.3700
La Salle County1611213.4480.2213.0813.1326.37
Lamar County423318.
Lamb County2012114.6507.5415.137.57
Lampasas County100214.97009.684.76
Lavaca County0120305.0610.04014.95
Lee County5443230.224.0523.6917.6511.64
Leon County6422336.0923.911.7411.6317.4
Liberty County96961411.717.6911.317.3716.73
Limestone County0240008.5117.0600
Lipscomb County0000000000
Live Oak County5322442.3224.9116.4516.6432.86
Llano County111225.135.094.999.729.43
Loving County0011000840.34869.570
Lubbock County17191724245.876.455.77.947.86
Lynn County003230052.2134.5151.2
Madison County2324214.4921.6714.3528.3814.06
Marion County4121338.949.8519.759.9129.81
Martin County01620018.27105.7135.160
Mason County00001000023.69
Matagorda County4274410.965.4819.0410.7810.86
Maverick County123531.773.515.28.625.15
Mcculloch County03110036.812.1212.310
Mclennan County10151411174.146.175.714.446.77
Mcmullen County032000377.36241.2500
Medina County215544.232.0910.3310.167.99
Menard County0000000000
Midland County182117122311.8213.4110.497.3413.94
Milam County2421108.316.578.24.0439.92
Mills County01100020.5520.4600
Mitchell County02301022.0633.88011.81
Montague County132225.1615.4810.3710.2910.24
Montgomery County21242028244.214.643.745.054.2
Moore County9431340.6418.1613.714.5613.58
Morris County00111008.078.018.02
Motley County1000083.890000
Nacogdoches County532747.674.63.0610.666.1
Navarro County464068.3312.528.3012.32
Newton County02311013.9921.177.057.17
Nolan County122436.6413.2313.326.7220.31
Nueces County14171816223.974.774.994.436.09
Ochiltree County2300018.7528.08000
Oldham County1500147.87241.550047.3
Orange County4979114.8310.818.3410.6512.93
Palo Pinto County4223214.357.147.1510.667
Panola County223008.418.4212.6800
Parker County4510653.344.097.964.663.75
Parmer County01101010.0710.2010.16
Pecos County2342612.7718.9424.9712.638.38
Polk County5353410.986.5510.736.288.14
Potter County13128121210.659.846.69.969.96
Presidio County00001000013.97
Rains County100209.070017.690
Randall County867626.314.665.374.531.49
Reagan County1230127.5552.878.76026.95
Real County2222160.2659.7460.6658.8829.16
Red River County2121216.018.0316.188.1916.35
Reeves County6373442.2920.6846.9619.9126.18
Refugio County1511213.7567.9913.6613.7127.69
Roberts County010040109.4100426.44
Robertson County2012212.1805.9911.8611.63
Rockwall County213462.361.153.334.286.2
Runnels County131309.8229.229.6629.250
Rusk County7675413.1211.2813.239.467.57
Sabine County2411119.1938.369.579.639.56
San Augustine County2032623.08035.9724.1572.7
San Jacinto County233537.4811.0910.9618.0110.61
San Patricio County463166.0594.471.498.93
San Saba County1101017.5717.19017.030
Schleicher County3000094.070000
Scurry County122005.7911.4911.3700
Shackelford County01010030.08029.730
Shelby County233437.711.6911.7615.5211.76
Sherman County01000032.59000
Smith County10172417174.627.7410.797.557.47
Somervell County1200311.6823.380033.92
Starr County331324.824.771.574.693.1
Stephens County0000000000
Sterling County0000000000
Stonewall County21000141.0472.1000
Sutton County3111075.3625.2625.6725.870
Swisher County1010012.96013.3700
Tarrant County63716669843.293.653.333.414.09
Taylor County368642.244.455.894.412.93
Terrell County00010000122.250
Terry County02111015.657.847.87.86
Throckmorton County0000000000
Titus County124223.076.1612.226.136.08
Tom Green County987257.856.875.951.74.24
Travis County54507144574.814.346.033.654.65
Trinity County2126113.85713.7941.346.82
Tyler County233119.313.9914.044.674.64
Upshur County134712.527.459.9117.132.42
Upton County042000114.9854.7900
Uvalde County5301118.6211.0903.693.69
Val Verde County323106.
Van Zandt County9347517.25.697.4912.879.06
Victoria County587575.558.797.65.417.6
Walker County7113121110.0815.714.2416.7415.23
Waller County7423915.418.554.115.9917.54
Ward County3761326.7660.4651.558.6326.15
Washington County166342.9217.4417.218.6211.41
Webb County8651583.032.251.855.512.91
Wharton County5574212.1712.1716.929.614.77
Wheeler County05001087.690018.66
Wichita County756955.33.774.586.853.79
Wilbarger County123327.5815.4222.9923.2715.67
Willacy County201449.0804.5718.3818.53
Williamson County11201917182.344.13.743.223.29
Wilson County371216.6315.
Winkler County3221139.3125.5925.0212.713.2
Wise County2451163.286.487.9517.069.07
Wood County353147.0811.686.942.289.03
Yoakum County02000023.86000
Young County0111005.475.515.530
Zapata County101106.9506.896.920
Zavala County02332016.3524.424.8116.74

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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

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Texas is ranked 34th in the U.S. for under-18 drinking and driving arrests.

EMS Response Time

Like we mentioned above, usually, more fatal crashes tend to happen in rural areas than in urban areas because there aren’t as many EMS stations located around the crash sites out in the country. However, Texas is flip-flopped.

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.

This leads us to the next section: transportation.


What do transportation rates have to do with car insurance? Car insurance companies often base their rates off of averages.

Let’s dig a little deeper so we can show you what we mean.

Car Ownership

How many cars does the average Texan own?

According to Data USA, the following chart displays the households in Texas distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Texas have two cars, followed by three cars.

Texas Car Ownership

The orange bars represent Texas’s average while the gray bars represent America’s average.

Commute Time

Using averages, employees in Texas have a shorter commute time (25.2 minutes) than the normal US worker (25.5 minutes). Additionally, 2.23 percent of the workforce in Texas have “super commutes” in excess of 90 minutes.

Texas Commute Time

Commuter Transportation

In 2017, the most common method of travel for workers in Texas was to drive alone, followed by those who carpooled.

Commuter Transportation in Texas

Traffic Congestion in Texas

According to Inrix, Houston, Texas is the 77th most traffic-congested city in the world.

City2018 World RankHours Lost in CongestionCost of Congestion (Per Driver)
Austin, TX84104$1,452
Corpus Christi, TX18566$928
Dallas, TX12276$1,065
El Paso, TX16266$916
Houston, TX7798$1,365
San Antonio, TX16360$832

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Now that we’ve covered all you need to know about Texas car insurance, it’s time to start shopping for your own unique rate. All you have to do is enter your zip code here in the box below.

Happy shopping.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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