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Better rates for better drivers in Texas

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Affordable, quality car insurance in Texas

From Houston to San Antonio and Austin to Dallas, good drivers can get great coverage at affordable rates with Root. Just download our app, start your test drive, and see if your good driving will save you money.

How it works

Traditional auto insurance companies base your rate on demographics. That means you’re paying based on your age, ZIP code, marital status, and other factors that have nothing to do with your driving habits. We don’t think that’s fair, so Root bases your insurance rate primarily on how you drive, not who you are.

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Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.


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You can customize and purchase your policy, all in the Root app.

State requirements in Texas

What are the minimum auto insurance requirements in Texas?

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). Texans are not required to carry no-fault insurance.

Liability coverage

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.

Minimum Liability insurance in Texas:

  • $30,000 Bodily Injury (per person)

  • $60,000 Bodily Injury (per accident – multiple people injured)

  • $25,000 Property Damage

What other coverages does Root offer in Texas?




Rental Car coverage


Personal Injury Protection


Medical Payments




(including glass coverage)


Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Texas?

Drivers in Texas pay an average of $2,050[1] in annual premiums—that’s the 4th highest in the nation. With Root, good drivers could save up to $900 a year. It’s easy. Just download the app to get started.

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Get an auto insurance quote based primarily on how you drive. You could save hundreds.

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  1. Annual average rates were compiled in April 13, 2020

Additional Resources

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Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2021. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.