Auto Insurance in Texas
Every driver in Texas needs auto insurance, but the state minimum is only a starting point. A policy that fits you should cover the people in your household, the cars you drive every day, and what you would owe if a wreck is your fault.
Quote Texas Insurance is an independent agency. We look at your vehicles, your drivers, and your budget, then help you compare coverage and deductibles so you know what you are paying for. If you already trust us with your business insurance, we can handle your personal auto too.
- Real Texas agents
- Clear coverage explanations
- Home and auto bundles
Texas Auto Insurance Requirements
Texas law requires drivers to show financial responsibility. For most people, that means a liability policy with at least 30/60/25 coverage:
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $25,000 property damage per accident
Heads up: Minimum coverage keeps you legal, but it may not be enough. A serious accident can cost more than these limits, and you could owe the difference. Many drivers choose higher limits.
Coverage Texas Insurers Must Offer
-
Personal Injury Protection (PIP):
Included on your policy unless you reject it in writing -
Uninsured / Underinsured Motorist:
Must be offered and can only be declined in writing -
Financed or leased car:
Your lender will usually require collision and comprehensive
Unsure what you need? Our Texas agents can walk you through the trade-off between your limits and your premium.
What Auto Insurance Covers
A personal auto policy is made of several coverages. Liability is required. The rest are optional, but they are often what pays for your own car and your own medical bills.
Liability Coverage
Pays for injuries and property damage you cause to others in an at-fault accident, up to your limits. This is the part Texas law requires.
Collision Coverage
Covers car repairs or replacement after a collision, minus your deductible. Lenders usually require it for financed or leased cars.
Comprehensive Coverage
Covers damage that is not a collision, such as theft, hail, flooding, fire, vandalism, or hitting an animal. Valuable in Texas, where hail is a regular reality.
Personal Injury Protection (PIP)
Covers collision damage, minus your deductible. Lenders usually require it for financed or leased cars.
Uninsured / Underinsured Motorist
Covers losses when the at-fault driver has no insurance or insufficient coverage. In Texas, it must be offered but can be declined in writing.
Rental & Roadside
Optional add-ons that can help pay for a rental car while yours is in the shop, or for towing, jump-starts, and lockouts.
Personal Auto or Business Use?
- You drive your own car to work and around town
- You have teen or newly licensed drivers in the household
- You are financing or leasing a vehicle
- You want to bundle your car with your home or renters policy
Vehicles used mainly for business, or titled to a business, often need a commercial auto insurance policy. Read Can Personal Auto Insurance Cover Business Vehicles? to learn more.
- Individuals
- Families
- Teen Drivers
- Commuters
- Business Owners
- Retirees
Already a business client? We can keep your personal coverage with the same team.
Some carriers offer a discount when you insure your home and car together. Ask us to quote both, and see our homeowners insurance page.
What Affects Your Auto Insurance Rate in Texas?
Every carrier prices risk a little differently, which is why comparing matters. Your premium depends on a few main factors.
Drivers
Ages, driving experience, and records of accidents and tickets for everyone on the policy. Read How Car Accidents Affect Your Insurance Rates.
Vehicles
Your car’s year, make, model, and use affect your rate. Newer, more valuable vehicles often cost more to insure.
Where You Live
Your garaging ZIP code, local traffic, theft risk, and weather events like hail all affect your Texas auto insurance rate.
Coverage Limits & Deductibles
Higher limits and lower deductibles offer more protection but increase premiums. We help you find the right balance.
As an independent agency, we can compare options from more than one insurance company for your situation. The only way to know what fits is to compare, and that is what we do.
Real Texas Agents Who Explain Your Coverage
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Real agents on the phone
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- Real people, not a phone tree: Call and talk to an agent who knows Texas auto coverage, Monday through Friday.
- Clear explanations: We explain your limits, deductibles, and options in plain language before you buy.
- One team for home, auto, and business: Business owners can keep their commercial and personal coverage in one place.
- Local service, Texas focus: Based in Burleson, we serve drivers across Texas.
Ready to see what the right auto coverage looks like for you? Get a free quote today or call us at 844-402-4464 to speak with a real agent.
Auto Insurance Coverage Options
In addition to the core coverages above, we can help you add options that fit how you drive.
- Liability
- Collision
- Comprehensive
- Personal Injury Protection
- Uninsured / Underinsured Motorist
- Medical Payments
- Rental Reimbursement
- Roadside & Towing
- Homeowners Insurance
Driving for work? See our commercial auto insurance page for business vehicles in Texas.
844-402-4464
