Why is car insurance so expensive in Texas- There are several reasons behind the high cost of car insurance in Texas.  Below is a detailed discussion: 

1/ Natural disasters: Natural disasters like hurricanes, floods can be seen in Texas.  These natural calamities cause extensive damage to the vehicle, costing the insurance companies more money and thus increasing the insurance premium.  

2/ Increase in the number of expensive cars: Repair costs of expensive cars are high.  As a result, insurance premiums for luxury cars are also high.  

3/ Overpopulation: Texas is one of the fastest growing states in the United States.  As the population increases, the number of cars increases, the risk of accidents increases due to the increase in the number of cars.  

4/ Insurance Law: Insurance coverage is required by Texas law, but many drivers carry additional insurance, increasing the risk and cost to the insurance company.  

5/ Travelers and Stranger Drivers: Stranger drivers and travelers are not aware of Texas laws. As a result, accidents increase and insurance companies increase premiums.  

6/ Driver’s age: Insurance premium is higher for young drivers and new drivers.  

All of these reasons make car insurance costs higher in Texas than in other states. Read More