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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 |
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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.
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Examples:
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).
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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. |
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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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