Need Help Choosing Car Insurance in Texas?
Car Insurance in Texas: Everything You Need to Know Before You Call for a Quote
If you drive in Texas, having the right car insurance isn’t just smart, it’s the law. With many companies, coverages, and discounts out there, how do you find a policy that suits your needs and budget? This guide shares key info every Texas driver needs before getting a quote. A quick phone call can help you save money, too.
Texas Minimum Insurance Requirements
To drive legally in Texas, you must carry liability insurance that covers:
- $30,000 for injuries per person
- $60,000 for total injuries per accident
- $25,000 for property damage
This is often written as 30/60/25 coverage. It pays for damages and injuries you cause to others in an accident but not for your own car or medical bills. While this coverage meets Texas law, minimum insurance requirements vary by state and may not be enough in serious accidents.
Full Coverage vs. Minimum Coverage
While the state minimum keeps you legal, it may not fully protect you. Texas drivers often choose full coverage, which includes:
- Comprehensive coverage pays for damage from hail, theft, or animals. This is very common in Texas weather.
- Collision coverage – pays for damage to your own car after an accident.
- Uninsured/underinsured motorist coverage protects you if the other driver lacks enough insurance.
If you drive a newer car, lease, or finance your vehicle, your lender may require full coverage.
Average Cost of Car Insurance in Texas
Recent data shows that full coverage car insurance in Texas costs about $1,800 to $2,200 per year. For minimum coverage, the cost ranges from $600 to $800. But your rate can vary depending on:
- City (rates are higher in Houston and Dallas than in smaller towns)
- Driving history and age
- Vehicle type
- Credit score
- Discounts (multi-car, safe driver, bundling home + auto, etc.)
Rates can change significantly depending on where you live, especially between large metro areas and smaller towns.
Why Call Instead of Clicking
Online forms can take time, and you may still end up with generic quotes. Calling a licensed insurance agent in Texas connects you with a real expert who:
- Find the best offers from top-rated companies.
- Helps you understand your coverage and avoid overpaying.
- Gives you same-day proof of insurance so you can drive right away.
Many Texas drivers choose to compare coverage by phone to make sure discounts, deductibles, and coverage limits are applied correctly.
All it takes is one quick call and it’s completely free.
Tips to Save on Texas Auto Insurance
- Compare quotes every 6–12 months.
- Ask about Texas-specific discounts (defensive driving, low mileage).
- Increase your deductible if you can afford it. Keep a clean driving record.
- Bundle your car and home insurance with one provider.
Final Thoughts
Car insurance in Texas doesn’t have to be complicated. No matter if you're in Dallas, Houston, Austin, or a small West Texas town, one call links you to the best choices for your needs. Because pricing and discounts vary by insurer and driver profile, speaking with a licensed agent often helps uncover options that online tools may miss.