Texas Car Insurance FAQ - Quick Answers

On average, a Texas driver will pay $1,449 per year on car insurance. This is higher than the national figure of $1,311 annually. For exact costs, consult with a local adviser that can quote with multiple carriers at once.

In Texas, insurance follows the car, which means if another driver lends you their vehicle, then you're also borrowing their insurance. There are exceptions to every rule, so seek counsel when necessary.

Car insurance in Texas will vary from driver to driver, but some common coverage options are listed below:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for damage to your car due to a non-collision event such as a flood or storm.
  • Collision: Pays for damage to your car from a collision with another driver where you are at fault.

In Texas, 14.1% of all drivers don't have any auto coverage. One way to protect you and your loved ones is by having uninsured motorist coverage on your policy. This helps pay for damage or injuries you may incur due to a collision with an at-fault uninsured driver. 

In Texas, car insurance laws are mandated by the state at the following minimum coverage requirements:

  • $30,000 in bodily injury liability per person
  • $60,000 in bodily injury liability per accident
  • $25,000 in property damage liability

To find the best car insurance, you need to know where to start. In Texas, Progressive, Travelers, Nationwide, and State Auto insurance companies are among the best. These carriers are known for their excellent coverage selection and speedy claims processing. 

Yes. Most states have carriers that specialize in insuring classic cars. Texas works with numerous insurance companies that could help protect your classic vehicle. 

Do You Know What Your Car Insurance Covers in Texas?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting  25.4 Min

National average car thefts per 1,000 2.29 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000 vehiclesAnnual insurance cost
Amarillo18.24.83$1,472
Arlington27.43.1$1,514
Austin24.53.07$1,396
Corpus Christi19.42.71$1,330
Dallas27.17.52$1,684
El Paso23.21.24$1,248
Fort Worth27.23.65$1,533
Garland29.53.98$1,566
Grand Prairie29.12.55$1,531
Houston27.75.56$1,605
Irving24.22.89$1,446
Laredo20.70.97$1,154
Lubbock16.64.73$1,412
Plano26.81.53$1,312
San Antonio24.74.99$1,549

Bodily Injury Requirements in Texas

When it comes to your car insurance, there are mandatory coverages that you must obtain in order to drive. Bodily injury liability insurance is one of them, and for good reason. 

This coverage helps pay for the other party's medical expenses when you're found responsible for a claim. In Texas, bodily injury liability is a required coverage at the minimum limits of $30,000 per person and $60,000 per accident. 

Property Damage Requirements in Texas

Property damage liability insurance is another mandatory coverage under your Texas auto policy. If you're found at fault for a car accident, any damage will be your responsibility and paid under this coverage. 

In Texas, you must obtain at least $25,000 in property damage liability to be properly insured. When you don't have the right coverage, you could face financial issues severe penalties following an accident.

Medical Payments Coverage Requirements in Texas

Some states require personal injury protection, or PIP, which helps pay for your personal medical bills if you become injured in an at-fault car accident. In Texas, you are not mandated to carry PIP, however, medical payments coverage can do a similar thing and is a good option.

If you are without medical payments coverage, you will be responsible for any hospital bills. To avoid a serious financial setback, consult with your licensed agent about the right limits for your auto policy.

Uninsured Motorist Coverage in Texas

Uninsured motorist coverage is another vital coverage that helps pay for your loss when an uninsured driver is responsible for an auto accident. Without this coverage, you will have to pay for any expenses on your own. 

While car insurance is mandatory in Texas, uninsured motorist coverage is not. Currently, 14.1% of all Texas drivers are without an auto policy, putting you and your family at risk. 

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Optional Car Coverage in Texas

Every car insurance policy in Texas comes with some standard coverage options. Among the most popular are collision insurance and comprehensive insurance

These limits together are referred to as "full coverage" and help pay for any damage to your covered vehicles in the event of a loss. While your auto policy comes standard with minimum limits of liability, anything more will have to be discussed and added by you and your agent. 

Car Insurance Discounts to Ask for in Texas

There are several car insurance discounts that you can discuss with your adviser. Just by having more than one policy with the same carrier, you could save 30% on average. 

Likewise, an association discount could be applied if you're involved in a teachers union, attorney group, or government agency. And you can simply cut costs by staying with the same insurance company for a period of time. 

How to File a Car Insurance Claim in Texas

If you're involved in an auto accident, things can get overwhelming, causing confusion and even chaos. To keep things simple, take a peek at 4 easy steps for reporting a car insurance claim in Texas.

First, get to a safe spot and seek medical attention when necessary. Second, call your independent insurance agent to file the loss and obtain your claims number. Third, if a rental vehicle is needed, see if your policy allows that and get one scheduled. Last, connect with your assigned adjuster to assess expenses and see what payment can be collected.