Personal insurance
Auto Insurance in Texas
Buying a car, adding a driver, or reviewing a renewal? We can help you compare coverage options and request a quote for your cars and personal-use trucks.
Already insured with us? Call about a renewal, driver or vehicle change.
Understand your options
What does “full coverage” mean in Texas?
“Full coverage” is common shorthand for liability, collision and comprehensive together. It is not one standard policy or a promise that everything is covered. Compare the coverage names, limits and deductibles on each quote.
Liability
Other people’s injuries and property
Helps pay for other people’s injuries or property damage when you cause an accident, up to your policy limits.
For example: You back into someone else’s fence. Liability may help pay to repair it.
Collision
Damage to your vehicle after an accident
Helps pay to repair or replace your vehicle after an accident, subject to your deductible and policy terms.
For example: You hit a post while parking. Collision may help with your car’s repairs.
Comprehensive
Other covered damage to your vehicle
Helps pay for losses such as theft, fire, hail, flood or vandalism, subject to your deductible and policy terms.
For example: Hail dents your parked car. Comprehensive may help with the damage.
Other choices to review
Texas requirements
What coverage is required?
Texas requires drivers to show they can pay for accidents they cause. Most do this with liability insurance. The minimum liability limits are commonly written as 30/60/25.
- $30,000
- Injuries to one person
- $60,000
- Injuries per accident
- $25,000
- Property damage per accident
Financing or leasing a vehicle?
A lender or leasing company may require collision and comprehensive in addition to liability. Check its coverage and deductible requirements.
The state minimum is a starting requirement, not a recommendation for every household. An accident can cost more than those limits.
Read the Texas Department of Insurance auto guideCost & savings
How much does car insurance cost in Texas?
Your car insurance cost depends on your household, vehicles and coverage choices. There is no single rate for every Texas driver. A quote using your current details shows what the available options would cost.
Compare more than the premium
A useful comparison starts with the same drivers, vehicles and coverage choices. A lower premium may come with a higher deductible or different protection. As an independent agency, we work with more than one insurance company. Our team can help you compare the options available for your household and explain differences in coverage, deductibles and price.
- Match the liability limits. Compare the same injury and property-damage protection.
- Check each deductible. Know your share of a collision or comprehensive claim.
- Compare vehicle coverage and extras. Look at rental, roadside and other selected options.
- Use the same household details. Include drivers, vehicles and how each vehicle is used.
What affects your car insurance rate?
- Drivers and driving history. The drivers on the policy, their experience, accidents, tickets and claims can affect the price.
- Your vehicle. Its year, make, model, value and repair costs can influence the premium.
- Where it is kept. The address and ZIP code where your vehicle is usually parked can matter, even within the same city.
- Mileage and use. How far you drive, your commute and any work, delivery or rideshare use help determine which options fit.
- Coverage and deductibles. Limits, collision, comprehensive and optional coverages affect cost. A higher deductible can lower the premium, but increases your share of a covered vehicle-damage claim.
- Credit history. Many insurers also consider credit-based insurance information when pricing a policy, subject to Texas restrictions.
Car insurance discounts to ask about
Each company sets its own discounts, eligibility rules and amounts. Ask which of these are available for your policy:
- Multi-car and bundling. More than one vehicle on a policy, or auto and home or renters policies with the same company.
- Good driving history. A qualifying driving record or claims history.
- Students and driver training. Good grades or an approved driver-education or defensive-driving course.
- Low mileage. Driving fewer miles, including after a change to working from home.
- Vehicle safety and security. Qualifying safety features or anti-theft equipment.
- Payment and paperless options. Ask whether automatic payments, paying in advance or going paperless change the total cost.
Let’s talk about your auto coverage
Help choosing auto coverage. Support after you buy.
Choose your coverage
We review your vehicles, drivers and current coverage, then explain the available limits, deductibles and prices. We follow up for any missing details.
Review at renewal
A new driver, a different commute or a renewal offer can change what you need. We can review your coverage and compare available options.
Get help with a claim
We can help you report a claim, understand the next steps and follow up with the insurance company when questions arise.
Get ready for an auto quote
Start with what you know about your household and vehicles. A current declarations page is helpful when you want to compare your existing coverage.
- Household drivers and driving history
- Vehicle year, make, model and VIN, if available
- Where each vehicle is usually kept overnight
- Ownership, loan or lease details
- Commuting, personal travel and any work, delivery or rideshare use
- Current coverage, renewal date and recent changes
Common questions
Auto insurance questions
Should I choose a $500 or $1,000 deductible?
With a $500 deductible, your share of a covered vehicle-damage claim is $500; with a $1,000 deductible, it is $1,000, when the covered loss exceeds that amount. The higher deductible means $500 more out of pocket. Ask for quotes at both levels and weigh the premium difference against what you could comfortably pay.
Do I still need collision and comprehensive after my vehicle is paid off?
Paying off the loan changes the lender’s involvement, but your vehicle can still be damaged or stolen. Weigh its value, the cost of coverage and what you could afford to repair or replace yourself before changing the policy.
What should I know when adding a teen driver?
Contact your agent when your teen begins learning to drive. Ask when the insurer needs the driver listed, how the vehicles will be assigned and whether any driver-training or student discounts may apply.
How do I switch auto insurance at renewal?
Start comparing before your current policy expires. Use your renewal offer and declarations page to check the same drivers, vehicles, limits and deductibles. If you decide to switch, confirm the new policy’s effective date and that coverage is in place before canceling the old policy, so you avoid a gap.
When should I arrange insurance for a car I’m buying?
Contact your agent before you pick up the car. Have the VIN, purchase date and any lender or lease requirements ready. If you already have a policy, ask how it applies to an added or replacement vehicle and when you must notify the insurer. Confirm the coverage and start date before driving away.
What if I use my vehicle for work, delivery, or rideshare?
Tell your agent what you carry, who owns the vehicle and how often you use it for work. Personal auto coverage may not cover those activities. Some uses need additional coverage or a different policy; see business insurance for business-use questions.
Get an auto insurance quote.
Tell us about your vehicles and drivers. Our team will help you compare coverage options and request a quote.
A website request does not bind, change, cancel, reinstate, or confirm coverage.