Texas, you finally have fair car insurance in the Lone Star State. With over 80,000 miles of roadway, it’s about time you have better rates for all that driving. And since driving “friendly” is the Texas way, good drivers should be rewarded in an equally friendly manner—with Root, you can get up 52% off your current rate.
We base rates primarily on how you actually drive, not just your demographics—like age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance system by bringing fairness, ease, and technology to customers across the state.
Since Texas is now an electronic proof of insurance state, you’ll always have legal proof of coverage on hand with the Root app. Root’s competitive quotes and simple app prove that car insurance can be affordable and easy for the best drivers of Texas—from Dallas to El Paso, San Antonio to Houston, Austin to Fort Worth, and every mile between. Plus, Texas car insurance companies are required to offer a 5% discount for voluntarily taking a Texas Education Agency (TEA)-approved drug and alcohol awareness course.
Texas requires all drivers to be able to pay for damages and injuries they cause in a car accident. There are several options to fulfill this requirement, including buying liability car insurance—coverage that helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). And don’t worry, Texans are not required to carry no-fault insurance.
Learn all about Root’s coverage options here:Our Coverages
Texas is the 10th most expensive state in the nation, which means Texans are paying extremely high annual premiums—an average of $1,506 2—but many people are paying much more. Root customers are saving up to $1,187 per year, on average—all while enjoying simple, fair car insurance.