Jessica Fox Last Updated On: July 25, 2023

Find the Best Car Insurance in Texas Fast

Texas may be a huge state, but we’ll help you navigate your way to affordable car insurance that checks all your boxes. Whether you’re looking for minimum insurance or more coverage options to give you peace of mind, we’ve got you covered.

Keep reading for the low down on all things Texas auto insurance, so you can get behind the wheel in full confidence.

Let’s get started.

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Table of Contents

What Car Insurance Is Required in Texas?

If you’re looking for the cheapest auto insurance in Texas, you’ll find it by choosing minimum car insurance. This means that you have the bare minimum amount of insurance required by the state to drive. 

This bare minimum varies by state, but pretty much always includes at least liability. In Texas, there are three components:

  • $30,000 in bodily injury liability coverage for each injured person
  • $60,000 in total bodily injury liability for an accident
  • $25,000 in property damage coverage per accident

This structure is called 30/60/25 and it means that you’re responsible for injuries and damage you cause in an accident. 

Of course, this is Texas so bigger is better, and car insurance is no exception. It’s strongly recommended to have more coverage than just the minimum requirements, because it better protects you, your passengers, and other drivers on the road.

We’ll show you your options next.

Options for Car Insurance in Texas

There’s no one-size-fits-all when it comes to car insurance. In fact, think of it more like a buffet of options that you can pick and choose from to feel most protected. As long as you’re satisfying the state’s minimum coverage requirements, you can fill your plate as you like.  So, what can you choose from? Here are the standard coverage options in Texas:
  • Liability: This is required coverage in the state of Texas. It includes bodily injury, meaning medical costs for another driver, and property damage, meaning damage to their vehicle or property.
  • Collision: If you collide with another vehicle or a stationary object like a fence or telephone pole, this helps cover the repair or replacement of your vehicle.
  • Comprehensive: This covers damage to your vehicle aside from an accident, like weather, theft, vandalism, hitting an animal, and more.
  • Uninsured/Underinsured Motorist: If you’re involved in an accident with someone who doesn’t have car insurance or doesn’t have enough for the damages, this helps cover the difference.
  • Medical Payments (MedPay): This helps cover you and your passengers’ medical costs after an accident, regardless of who is at fault.
  • Personal Injury Protection (PIP): Like MedPay, this helps pay for medical costs after an accident, but also covers other costs after an accident like lost wages and child care.
    • Note, in Texas you can decline PIP coverage but you need to reject it in writing. You also can’t have both MedPay and PIP on one policy.
These are the main buckets of coverage you can choose from. In Texas, all are optional except for liability.  But the buffet doesn’t end there. You can also choose from endorsements or riders, which are extra coverage options that help you truly customize your policy to your needs. Common riders include:
  • Rental Car Reimbursement: If your vehicle is being repaired after an accident, this helps cover the cost of a rental car.
  • Gap Insurance: If your vehicle is totalled but you have an outstanding amount due on the vehicle loan that is more than the depreciated value, this helps cover that amount.
  • Roadside Assistance: This gets you a tow to a nearby service shop if you break down on the road, plus minor roadside fixes.
  • New Car Replacement: If your vehicle is new (usually under two years) and becomes totalled, you get a new car instead of a check for the depreciated value.
  • Classic Car: If you have an antique or classic car, you need special car insurance given the higher repair and part costs.
  • Rideshare: If you use your vehicle for rideshare services like Lyft or Uber, you need more coverage given the higher liability.
These are just some examples of common riders. Each insurance provider will offer different options, so depending on the coverage you want, that might affect the insurance provider you choose.

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The Average Cost of Car Insurance in Texas

You might like your cowboy hat to be as big as possible, but you probably don’t feel the same about your car insurance costs. No one enjoys spending their hard-earned money on car insurance, so let’s get an idea of how much it costs. 

The bad news: it’ll run you a tad bit more annually than a good quality ten-gallon hat. The average cost of full coverage car insurance is $2,938 per year, while minimum coverage clocks in at $774 per year. 

These numbers can vary significantly of course, based on a range of factors. Everything from your driving history to your age to your vehicle make and model can affect your car insurance premiums. 

But that doesn’t mean you’re stuck paying high rates. Next, we’ll show you how to rope in the lowest car insurance rates in Texas. 

How to Find Cheap Car Insurance in Texas

“I don’t pay enough for car insurance,” said no one ever. Car insurance can be a big expense, but we have tips to help you shave off some of those costs to put more money back in your pocket.

Some of the top ways to get low-cost car insurance in Texas include:

  • Drive Safely: Mistakes and accidents happen, but maintaining a clean driving record will have the most impact on your rates. Avoid any driving infractions to keep your premiums low.
  • Compare Rates: Shopping around and comparing quotes can instantly save you money on your car insurance. Be sure to get at least three quotes to make sure you’re getting a good deal.
  • Look for Discounts: Insurance providers often offer discounts on car insurance, including savings for being a loyal customer, being claims-free, bundling home and auto insurance with one provider, and more. Stacking discounts can get you even more savings.
  • Review Your Coverage: Are you overpaying for insurance you don’t need? Maybe a teen driver on your policy went off to college, or maybe your vehicle has aged and it might make sense to drop collision coverage. Reviewing your coverage annually can help you avoid overpaying for insurance you’re not using.
  • Raise Your Deductible: By increasing your deductible (the amount you need to pay before insurance covers a claim), your premiums drop. This is an easy way to see quick savings, especially if you’ve been claims-free for years.

You can also shave some money off your rates by paying in advance, choosing a safer model of car, and installing anti-theft devices. Saving money on your car insurance can take a little work, but it’s worth it to see your hard-earned money safely back in your pocket.

How to Get Texas Auto Insurance Quotes

Getting car insurance can feel overwhelming. But it’s simpler than you might think. The first step is to get quotes and review them before making your decision. 

Getting quotes is the easy part. There are plenty of insurance providers out there for the choosing. Be wary of any offers that seem too good to be true—they probably are. If in doubt, reach out to an insurance agent to help weed through the noise and find the best policy for you. 

You can start by getting access to free quotes fast here.

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Texas Auto Insurance: We’ve Got You Covered

The temps might soar in Texas, but your car insurance rates don’t have to. Whether you’re looking into car insurance for a brand new set of wheels, looking to switch providers, or you are moving to the Lone Star State, one thing is for sure: affordable car insurance is within reach.

Now that you have a better understanding of the coverage you need and what you can expect to pay, it’s time to pony up and find the right policy for you. Get access to car insurance quotes here and you’ll be covered before you know it. 

Let’s hit the road.


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