Texas: State of Driving

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Driving in Texas

Texas DrivingWhether you’re driving through the country or headed to the city, you can cover some serious miles on the highways and backroads in Texas.
As Texans travel to their destinations, it’s important to remember the hazards that come with driving. To stay safe and make the best possible decisions behind the wheel, Texans need to understand the specific driving challenges in the Lone Star State. Here is what you should know about driving in Texas:

Automobile Insurance in Texas

Texans are legally required to carry a basic level of liability insurance that will cover:
  • $30,000 per accident if someone is hurt or killed
  • $60,000 per accident if more than one person is hurt or killed
  • $25,000 per accident for property damage
This basic coverage is often referred to as 30/60/25 coverage. Although it is the minimum required by Texas state law, most drivers choose to purchase additional coverage including collision coverage, comprehensive coverage and uninsured motorist coverage.
To combat the problem of uninsured vehicles – which make up 11% of the vehicles on the road in Texas – the Lone Star State requires proof of insurance for annual vehicle inspections, vehicle registrations and some driver license transactions. In addition, the state created a vehicle insurance verification database known as TexasSure, which allows law enforcement and tax-assessors to immediately verify insurance by license plate and vehicle identification number (VIN).

Texas Car Culture

There is a long history of Texans modifying their cars. The annual Houston Art Car Parade even celebrates this, inviting the unique and even bizarre ways in which vehicles have become rolling works of art.
Houston drivers are likely familiar with the hometown style of modified cars known as slabs. Slabs are large, low-riding, candy-colored American luxury cars (particularly Buicks and Cadillacs) from the 1970s and 1980s equipped with "swangas" (30-spoke wire rims that protrude from the car), a fifth wheel also sporting a swanga and a booming stereo system.
These modified vehicles have their roots in Houston’s 1980s African-American culture. According to Houston native Langston Collin Wilkins, who studied slabs as part of the research for his doctorate in folklore and ethnomusicology, "slabs are not driven by drug dealers as some observers might assume, but rather by regular working-class African-Americans who want to express their creativity."
Of course, you're less likely to see a slab on the road than a pickup truck, considering the fact that Texas has the highest volume of truck sales. 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.

A Big State Means More Mileage on Your Vehicle

Texans are proud of the size of their state – after all, it is larger than several countries. But there is a downside to all that land. Texans put more miles on their cars than the average American. According to the Federal Highway Administration, the average American drove 13,500 miles in 2019, the most recent year for which data is available. The average Texan, however, drove 16,172 miles in 2019 – nearly 3,000 more miles.​
Texans need to remember that the additional driving will increase the wear-and-tear on their vehicles, which means they should plan for more regular maintenance and irregular repairs due to the increased time they spend behind the wheel. The financial blog My Money Design calculates that the cost of maintenance and repairs to be around $0.26 per mile. This means that Texans who drive the average of 16,172 miles per year should plan for about $4,204 per year in regular maintenance costs.

Superhighways and Rural Roads

Not all roads are created equal, especially in terms of car accidents. According to the Texas Department of Transportation, over 51% of the state's 2016 traffic fatalities – representing 1,942 deaths – occurred on rural roads, despite the fact that rural roads make up only 31% of the vehicle miles driven by Texans.
That's not to suggest that urban roads in Texas are free from potential car accidents. Texas is home to the 26-lane Katy Freeway, known as the world's widest freeway. And even though the Katy Freeway is the largest, there are still many other superhighways across the state. According to California native and Texas transplant Briana Melissa Ford, "The highways are a scary experience for any out-of-towners because merging is nonexistent. It's either almost hit someone or thank God no one was coming in that lane."
Even urban roads within cities, which tend to have lower speed limits, can be hazardous. In 2016, 814 people were killed in crashes that either occurred at an intersection or were related to an intersection.

The Price of Gas

One of the many reasons why Texans don’t hesitate to opt for their big cars is because fill-ups tend to be cheaper in the Lone Star State than many other places in the country. As of November 24, 2021, the national average price for a gallon of regular unleaded was $3.40, whereas the Texas average was $2.99. The range of gas prices across the state is relatively stable as well. The highest price for a gallon of regular was found in El Paso at $3.24 and the lowest was in Amarillo at $2.84.
But low gas prices tend to encourage people to drive more, and the more people on the road, the more likely an accident. This may help to explain why in Texas road deaths make up a higher percentage of all deaths compared to the rest of the country, at 1.9% of all deaths in the state each year.

The Unemployment Rate

Though they probably seem unrelated, the employment rate of a state affects its driving rate. As the employment rate increases, so does the number of commuters. As of October 2021, the national unemployment rate was 4.6% – lower than the Texas unemployment rate of 5.4%. Texans spent an average of 27 minutes commuting to work each way, most of which is by car since less than 2.5% of Texans utilize public transportation for commuting purposes. Much of the population growth has been in suburban areas and public transportation is not readily available there.
Of course, a higher employment rate encourages more driving than just commuting to and from work. When the employment rate is high, signaling a healthy economy, more people have more money to spend on dinners out, sporting events and road trips – all of which lead to more time behind the wheel.

Distracted Driving

The term distracted driving describes any situation in which a driver is paying close attention to something other than the road (e.g., a cell phone). This is serious problem nationwide. In Texas alone, there were 368 deaths due to distracted driving in 2020. Though these numbers are disheartening, they do represent a 1% decrease in distracted driving fatalities over the previous year, which suggests that the Texas Department of Transportation's Talk. Text. Crash. Distracted Driving Campaign had the intended effect of educating drivers on the hazards of distracted driving.
In addition to the media campaign against distracted driving, Texas has also instituted a ban on cell phone usage for young drivers. Other than for emergencies, drivers under the age of 18 are restricted from using handheld or hands-free cell phones for talking or texting.

Teen Drivers in Texas

The cell phone ban for teen drivers in Texas wasn't instituted without cause. Teens are among the most dangerous drivers on the road. In fact, the AAA Foundation for Traffic Safety found that "distraction was a factor in nearly 6 out of 10 moderate-to-severe teen crashes."
To help adolescents transition from passenger to driver, Texas has implemented a graduated driver licensing program. At age 15, teens may apply for a learner license. To obtain the learner license, teens must complete a driver education program and verify enrollment and attendance at school (or provide a high school diploma or GED certificate). When driving with this license, teens must be accompanied by a licensed adult age 21 or older who sits in the front seat as the teen drives.
At age 16, teens can apply for a provisional license. In addition to holding the learner license for at least six months, teens must complete classroom and behind-the-wheel driver education and the Impact Texas Teen Drivers course, as well as pass a driving test to qualify for this next phase. Teens with a provisional license may not drive with more than one passenger under the age of 21 who is not a family member. They also cannot drive between midnight and 5 a.m. unless they are working, participating in a school activity or there is an emergency.
Once teens reach age 18, they are eligible to apply for a non-commercial driver license.
Note that all drivers under the age of 25 must complete a driver education course and the Impact Texas Drivers course. Texas recognizes that rookie drivers under the age of 25 can use the extra education to help them drive safely.

The State of Driving in Texas

Settling behind the wheel of your car, truck or slab in Texas is partially about asserting your independence. But with that independence comes the responsibility to be a safe driver. Understanding the state of driving in Texas can help you make the safest and best driving decisions while you enjoy the freedom of the open road.

Seguro para autos de Texas

There’s more to know about car insurance in your state.
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