Car Insurance in the State of Texas

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Here's what you need to know...
  • Major insurance companies offer their coverage services in Texas
  • Liability insurance is the only required coverage in Texas
  • Purchase additional coverage to ensure that you are completely protected

Purchasing Texas car insurance can be almost as big of a challenge as deciding which car you’re going to buy in the first place.

You must first research and compare least five different Texas car insurance companies in order to be certain that you are getting the right coverage for your needs and to make it legal to drive your car in the state.

To begin finding Texas car insurance quotes just enter your ZIP code above for a FREE car insurance comparison!

Texas Car Insurance Providers


If you’re unfamiliar with purchasing Texas car insurance, it might be a good idea to start by asking for quotes from these national companies:

There’s no guarantee that they’ll have the best deals just because they are national companies and very popular in the state of Texas.

However, these companies do make it easy to request quotes, whether over the phone, online or in-person with a local agent.

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Minimum Requirements for Texas Car Insurance

The only type of insurance that drivers are required to carry in the state of Texas is liability insurance.

Although this insurance coverage will not offer you any compensation for damages if you are found to be responsible for an accident, it will cover damages caused to another driver.

Liability minimums in the state of Texas are:

  • $30,000 for medical expenses incurred by a driver who is alone in the car the accident occurs
  • $60,000 for the total medical care bills of all the vehicle’s passengers when it was involved in the accident
  • $25,000 for any property repairs that have to be made to public or personal property, including the victim’s vehicle

How Do You Know If You Need Additional Coverage?


Many people are overwhelmed by the costs of purchasing and maintaining a vehicle.

With the additional cost of insurance, many people don’t see how they can afford anything more than the minimum amount of coverage.

However, you have to factor in the cost of losing your car if it is damaged or even totaled and all you have is liability coverage.

If your budget has room for additional coverage, you might consider:

  • Collision insurance – for repairs that amount to the Blue Book value of the car, and in the case that the damages are found to exceed this value, will award the owner with the cash value of the vehicle
  • Gap insurance – for cars that are totaled while there is still a balance remaining on the loan. If the value is greater than the Blue Book value of the car, gap insurance will provide you with the difference

It’s easy to find the cheapest Texas car insurance quotes. Just enter your ZIP code below to start!

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