Car Insurance Quotes 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.
Start your Texas car insurance quote
- Your cars and trucks
- Everyone in the household 15 and older
- The coverage you want, or our help choosing
A licensed agent in our Texas office reviews your request and follows up with options from more than one company.
Driving in one of these towns?
Already insured with us? Call about a renewal, driver or vehicle change.
Texas requirements
What car insurance is required in Texas?
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 guideLiability only or full coverage?
“Full coverage” isn’t a policy name. It’s shorthand for liability plus collision and comprehensive. Here are three common ways Texas drivers build a policy, from lower cost to more protection.
| BasicLiability onlyLower cost | StandardFull coverageBalanced | CompleteFull coverage plus extrasMore protection | |
|---|---|---|---|
| LiabilityInjuries and damage you cause to others | Texas minimum of 30/60/25 or higher | IncludedSame as Basic | Higher limits, such as 100/300/100 |
| CollisionYour car in a crash, whoever is at fault | Not included | Included | Included |
| ComprehensiveTheft, hail, flood, fire and hitting a deer | Not included | Included | Included |
| Uninsured motoristWhen the driver at fault has too little insurance or none (about 1 in 8 Texas vehicles had none on record*) | Not included | Included | Limits raised to match |
| Rental reimbursementWhile your car is repaired | Not included | Not included | Included |
| Towing and roadside help | Not included | Not included | Included |
| Fits | An older, paid-off car you could replace without hardship. | A financed or leased car (lenders usually require it), or one you couldn’t easily replace. | A daily driver you can’t be without, or a household with more to protect. |
| What you give up | Nothing pays to fix or replace your own car. | A higher premium, and you pay your deductible on each claim. | It costs the most of the three. |
Which level fits you?
- Still paying on the car?
- Your lender will likely require Standard at least.
- Could you replace the car tomorrow?
- Basic may be enough. If not, look at Standard.
- No second car in the driveway?
- Rental reimbursement in Complete keeps you moving after a claim.
- Own a home or have savings?
- Higher liability limits protect more of what you’ve built.
Prices vary by company, driver, car and ZIP code. TDI’s HelpInsure tool shows sample rates by coverage level. These are common ways to build a policy, not fixed packages. *TexasSure, August 31, 2026: 12.1 percent of registered vehicles had no matching insurance record; some are insured on commercial policies or not driven.
Other auto coverages to review
Have a motorhome, travel trailer or fifth wheel? Review RV insurance.
Ride a motorcycle? Review motorcycle insurance.
Tow a boat to the lake? Review boat insurance.
Insuring a classic or antique car? Review classic car insurance.
Need an SR22 filed with DPS? Review SR22 insurance.
How to compare car insurance quotes in Texas
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.
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.
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.
Help choosing car insurance, and 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.
Use our auto quote checklist to gather the details.
- 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
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.
What is the lowest-cost car insurance I can carry in Texas?
Liability only at the state minimum, 30/60/25. It meets the law and costs the least, but it pays nothing to fix your own car. Whether it fits depends on what your car is worth and whether a lender requires more.
Do I need personal injury protection if I have health insurance in Texas?
You can reject it in writing, but it pays things a health plan doesn’t: lost wages, your deductible and copays, and medical bills for your passengers, no matter who caused the crash. Texas policies include at least $2,500 of it unless you reject it, and it pays even when your health plan also pays.
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.
Do I have to come off my parents’ car insurance at 25 in Texas?
No. The Texas Department of Insurance sets no age for moving off a parent’s policy, and its auto guide says adding a young driver to the family policy usually costs less than a separate policy. Moving out or buying a car of your own is a good time to ask whether you need your own 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 commercial auto insurance for business-use questions.
Get a Texas auto insurance quote
Tell us about your vehicles and drivers. Our team will help you compare coverage options and request a quote.
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