Texas Auto Insurance Guide
There are many places to travel in Texas – historic cities, beautiful state parks, scenic towns along the Gulf of Mexico.
When you’re on the road, you want reliable car insurance to help safeguard you from the unexpected. No matter your destination in Texas, Amica will be there to support you.
Texas drivers may deal with crowded city commutes, long rural highways, Gulf Coast weather and heavy traffic around major metros. Amica offers customized Texas car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road.
This guide covers Texas car insurance requirements, liability limits, optional coverages, Texas driving considerations and answers to common questions.
What auto insurance is required?
All Texas drivers must carry liability insurance. Liability coverage may help pay for injuries or property damage you cause to someone else in an accident where you’re at fault.
Texas minimum liability coverage limits
| Coverage type | Minimum limit in Texas | What it helps cover |
|---|---|---|
| Bodily injury liability | $30,000 per person | Injury-related damages to one person after an at-fault accident |
| Bodily injury liability | $60,000 per person | Total injury-related damages to others in one accident |
| Property damage liability | $25,000 per accident | Damage you cause to another person’s vehicle or other property |
These are the minimum requirements for car insurance in Texas. They satisfy the state requirement, but they may not be enough to cover a more serious crash involving injuries, multiple vehicles or expensive property damage.
Many drivers choose higher liability limits for added protection, especially if they want more coverage to protect savings, future income or other assets.
Additional coverages to consider
The state minimum only addresses liability you may owe to others. Many Texas drivers also consider optional coverages that can help with damage to their own vehicle, temporary transportation or injuries involving uninsured drivers.
| Coverage | Required in Texas? | Why it matters |
|---|---|---|
| Collision coverage | No | May help repair your vehicle after a covered crash, regardless of fault |
| Comprehensive coverage | No | May help with covered non-collision losses like theft, hail,falling objects, fire or contact with an animal |
| Uninsured/underinsured motorist bodily injury coverage | No | May help if the at-fault driver has no insurance or not enough insurance |
| Rental reimbursement | No | May help with transportation costs while your vehicle is being repaired after a covered loss |
| Auto loan/lease coverage | No | May help cover the gap between what you owe your finance company your vehicle’s value after a covered total loss |
| Roadside assistance | No | May help with towing, lockouts, jump starts and similar roadside problems |
| Full auto glass coverage | No | May help repair or replace covered windshield without a deductible |
If you lease or finance your vehicle, your lender may require certain physical damage coverages.
For more guidance on choosing limits, explore the amount of car insurance you may need](/resources/auto/how-much-car-insurance-do-i-need).
How Texas drivers can customize coverage
After reviewing required and optional coverages, many Texas drivers compare how much protection they want against what they’re comfortable paying. YourPlan lets you review coverage approaches based on what drivers often choose, then adjust from there to better fit your home and budget.
- Essential May appeal to drivers looking for foundational protection without many added features.
- Advantage May be a better fit if you want more flexibility and support for situations like roadside issues or broader vehicle protection.
- Signature May suit drivers who want broader protection and fewer potential coverage gaps.
If you want to compare quotes more carefully, exploring how to compare quotes can help you look beyond price alone.
What affects car insurance rates in Texas?
There are several factors, including your personal driving profile and broader regional conditions.
- Driving history: A clean record may help you qualify for better rates than a record with accidents or violations.
- Coverage limits and deductibles: The protection you choose affects what you pay. Higher limits and lower deductibles often cost more.
- Vehicle type: Your car’s value, repair costs, safety equipment and theft risk may all influence premiums.
- Location and claims trends: Claim frequency, traffic density, weather patterns and repair trends in your area can all shape rates.
Texas weather and geography can also influence how drivers think about protection. In some parts of the state, hail, flooding, long-distance commuting or heavy urban traffic may make broader coverage seem more important.
As with most states, the average cost of car insurance in Texas can change over time for reasons both within and outside your control.
Save more with discounts
Amica offers various auto insurance discounts that may help lower premiums for eligible Texas drivers.1 Here are some examples:
- Family-related discounts: Young driver training and good student discounts may be available for qualifying households.
- Driving-related discounts: Claim-free history and approved defensive driver training may help some drivers save.
- Vehicle equipment discounts: Certain safety systems like forward-collision warning or adaptive headlights may qualify.
- Payment-related discounts: AutoPay, paperless delivery and paying in full may also help eligible policyholders reduce costs.
Bundling can also be worth exploring. Texas drivers who combine eligible policies may qualify for a multiline discount.
Driving facts to keep in mind
Texas drivers may want to keep a few state-specific details in mind when thinking about car insurance and day-to-day driving:
- Texas has more than 300,000 miles of public roads, the highest total of any state in the nation.2
- If you are new to Texas, your vehicle must generally be inspected before registration, and new residents must get a Texas driver’s license within 90 days.3
- Texas uses pedestrian hybrid beacons at certain marked crosswalks to help manage traffic and pedestrian movement.4
Because the state includes dense urban corridors, rural highways and coastal weather exposure, Texas drivers may weigh roadside, full glass and physical damage coverages differently depending on where they live.
How to get auto insurance in Texas
If you’re ready to compare options, here’s a simple way to approach the process:
- Review your coverage needs: Start with Texas’ required liability limits, then think about whether you want higher limits or optional protection for your vehicle, injuries or day-to-day transportation needs.
- Look for savings opportunities: Eligible discounts, bundling and payment options may all affect your final premium.
- Get a quote: You can get a quote online or call 800-242-6422 to speak with a representative.
Taking a little extra time to compare limits, deductibles and optional coverages can help you build a Texas car insurance policy that better matches how and where you drive.
Get an auto insurance quote today
FAQs about car insurance in Texas
No. Texas is not a no-fault state. In general, the driver who causes the accident is responsible for injury and property damage costs.
It depends on your ZIP code, driving history, vehicle, annual mileage and chosen coverages. Your quote may look very different from a statewide average.
Texas drivers must carry liability insurance with minimum limits of $30,000 for bodily injury per person, $60,000 for bodily injury per accident and $25,000 for property damage per accident.
That depends on your financial situation, how much you drive, the value of your vehicle and how much risk you are comfortable retaining. Many drivers consider higher liability limits and optional coverages for broader protection than the state minimum provides.
Discounts not available in all states and may vary.
Texas Department of Transportation
Texas Department of Motor Vehicles
Texas Driver’s Manual
Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.
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