Your guide to
Auto Insurance in Texas
Your car gets you to work, school and everywhere in between. Our agency helps you understand Texas auto insurance requirements, the coverages beyond the minimum and how to choose protection that fits the way you drive.
What it covers
Common auto coverages
An auto policy combines liability coverage with other coverages that protect your car, you and your passengers. Limits and deductibles vary, so it helps to review each part.
Tap any part and the quote form opens with it already noted.
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Liability
Helps pay for injuries and property damage you cause to others in an accident, up to your policy limits.
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Collision
Helps pay to repair or replace your car after it hits another vehicle or an object, regardless of fault.
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Comprehensive
Helps with damage from events other than a collision, such as theft, hail, flooding, fire or hitting an animal.
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Uninsured and underinsured motorist
Can help pay for your injuries, and depending on the policy, damage to your car, when the at-fault driver has no insurance or too little.
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Personal injury protection (PIP)
Can help pay medical expenses and some lost income for you and your passengers after an accident, regardless of fault.
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Rental and roadside help
Optional coverages may help pay for a rental car while yours is repaired after a covered loss, or for towing and roadside assistance.
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Why it matters
The state minimum may not be enough
Liability coverage at the state minimum pays for harm you cause to others, up to set limits. It does not repair your own car, and a serious accident can cost more than minimum limits pay.
Choosing limits and optional coverages comes down to what you would need to recover after an accident. Reviewing your policy when you buy a car, add a driver or move can help keep your coverage in step with your life.
If you finance or lease your vehicle, the lender or leasing company will often require collision and comprehensive coverage.
Pricing
What can affect your auto insurance rate
Driving history
Accidents, claims and traffic violations on your record may affect how an insurer prices your policy.
Your vehicle
The make, model, age and safety features of your car, and what it costs to repair, can play a role.
Where and how you drive
Where you live, where the car is parked and how much you drive may be considered.
Who drives
The drivers listed on your policy and their driving experience may affect the rate.
Coverage choices
Higher limits and added coverages generally cost more, and your deductible choices can also change the premium.
Answers
Auto insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
Texas requires drivers to meet minimum financial responsibility rules, most often with liability insurance at or above the state minimum limits. Those limits can change, so we can review the current requirements with you.
Texas insurers generally must offer both, and they are typically included in your policy unless you reject them in writing. We can explain what each one covers before you decide.
Many auto policies extend coverage to people you allow to drive your car, but terms and exclusions vary. Drivers who live with you may need to be listed on the policy.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.