Texas Auto Insurance Costs by County and by Miles Driven
Annual rates are from the Texas Department of Insurance
County Rate Guides at www.tdi.state.tx.us, Sept. 2001

This table shows:
Market leader State Farm's current dollars-per-year rates by County for minimum legal insurance, from least to most expensive.
What insurance now costs you per year depends mainly on where you live--$182 to $384 .
What insurance now costs you per mile depends mainly on how much you drive your car.

For cars in the rural Panhandle and Northwestern counties driven 2,000 miles in a year, you pay 7 to 8 cents per mile (in red, at top of table).
But for cars in the urban Harris and Dallas counties driven 20,000 miles in a year, you pay less than 2 cents per mile (in green, at bottom of table).
Under cents-per-mile choice, all State Farm policyholders who choose the option and live in the same county with cars in the same driver and use class will pay the same cents-per-mile rate - approximately as shown in the 10,000 miles column for minimum legal coverage.
Across Texas, this optional per-mile rate increases from 1.8 to 3.8 cents, as might be expected from the real differences in average rural versus urban driving conditions.

* Car-use and driver-type rate classes according the STATE FARM MANUAL Rule 74, Classifications: Class 1, "When the auto is not used for business, and there is no male operator under 25 years of age, or unmarried female under 21 years of age" and "No operator over 65 years of age."

Subclass 1A, Use: "Pleasure only."  Subclass 1B, Use: "Driven to and from work (more than 50% of the time.)"  The subclass 1B dollars-per-year rate shown for State Farm is 1.20 times the subclass 1A rate.
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