Coverage
Auto Insurance in Texas
Texas requires 30/60/25 liability, but the state minimum leaves most drivers badly exposed after a serious accident. We quote your actual risk across several carriers and show what higher limits truly cost — usually far less than people expect.
Who this is for
- Shopping rates after a renewal increase
- Adding a teen driver to the household policy
- Need an SR-22 filing in Texas
- Have a ticket, accident, or lapse and were quoted a hard number elsewhere
What it covers
- Bodily injury and property damage liability
- Collision and comprehensive
- Uninsured / underinsured motorist (UM/UIM)
- Personal injury protection (PIP) and medical payments
- Rental reimbursement and roadside assistance
- SR-22 filings where required
What it doesn't cover
- Mechanical breakdown and routine maintenance
- Commercial and delivery use, unless specifically endorsed
- Personal belongings stolen from the vehicle (that's a home or renters claim)
- Rideshare driving without a rideshare endorsement
30/60/25 is a legal minimum, not a coverage plan
Texas minimum liability pays up to $30,000 per injured person, $60,000 per accident, and $25,000 for property damage. A single new truck totaled at fault can exceed the $25,000 property limit on its own — then the balance comes from you. Moving to 100/300/100 is often a modest monthly difference, and we quote both so you can see it.
Auto insurance questions Texans ask
Straight answers to the questions we field most often on auto coverage in Texas.
- What is the minimum auto insurance required in Texas?
- 30/60/25 — $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Proof of financial responsibility is required to register and drive.
- Do I need uninsured motorist coverage in Texas?
- It's not required, but a meaningful share of Texas drivers are uninsured or carry only state minimums. UM/UIM is one of the least expensive coverages on the policy and one of the most used.
- Can you file an SR-22 in Texas?
- Yes. We carry carriers that handle SR-22 filings and can usually get the filing submitted the same day the policy is issued.
- Will bundling home and auto actually save me money?
- Usually, though not always — some Texas carriers are strong on home and weak on auto, or the reverse. We quote bundled and unbundled and recommend whichever combination actually wins.
- How much does car insurance cost in Texas?
- It depends on ZIP code, driving record, vehicle, and coverage limits far more than on any one carrier's advertising. The useful comparison is the same limits and deductibles quoted across several carriers, which is what we run.
- Does my auto policy cover a rental car?
- Usually your liability and, if you carry it, comprehensive and collision extend to a rental in the U.S. Rental reimbursement is a separate add-on that pays for the rental while your car is in the shop.
- Will one at-fault accident raise my Texas rates?
- Typically yes at your next renewal, and it stays surchargeable for roughly three to five years depending on the carrier. Because carriers weight accidents differently, this is the moment re-shopping usually pays off.
- Do I need full coverage on an older car?
- If the car is paid off and worth only a few thousand dollars, comprehensive and collision premiums can outrun the payout. We'll price it both ways so you can see the tradeoff in dollars.
Ready for a real auto quote?
Tell us about your situation and we'll shop it across our carriers — no obligation, and you talk to a licensed Texas agent, not a call center.
Other coverage: all products · carriers we represent · Texas service areas