Good drivers can save big on car insurance in Texas.

Download the app. Take a test drive around the Lone Star State. Get a free quote.

Why choose Root for your Texas auto insurance policy?

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.

What makes Root different from traditional insurers in Texas?

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:

  1. Download a free app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy—all within the app. And because we don’t insure high-risk drivers, good driving Texans save up to 52%.

Root is disrupting the broken insurance system by bringing fairness, ease, and technology to customers across the state.

The worst 30% of drivers
cause nearly 45% of all accident costs1
Good drivers should get the best car insurance rates in Texas because bad drivers cause nearly 45% of all accident costs

It’s a good time to be a good driver in Texas.

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.

What are the minimum car 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). And don’t worry, Texans are not required to carry no-fault insurance.

Minimum liability coverage Texas drivers must carry:

  • $30,000 for each injured person
  • $60,000 for injuries, per accident
  • $25,000 for property damage

Alternatives to car insurance:

  • A surety bond from two individual sureties that own property in Texas, with the same coverage limitations as liability insurance
  • $55,000 cash or securities deposit with the state Comptroller
  • $55,000 cash or cashier’s check deposit with the county judge of the county in which the car is registered
  • Certificate of self-insurance, which requires owning a fleet of more than 25 cars to qualify

When you need to show proof of insurance:

  • You’re in a car accident
  • A police officer asks for it
  • You register or renew your car’s registration
  • You apply or renew your driver’s license
  • You have your car inspected

Fines and penalties when you’re caught violating TX car insurance laws:

  • $175 - $350 in fines for your first conviction
  • $350 - $1,000 in fines for additional convictions
  • Possible suspension of your driver’s license
  • Possible impoundment of your car

What other coverages does Root offer?

  • Collision
  • Comprehensive
  • Medical Payments
  • Personal Injury Protection
  • Uninsured/Underinsured Motorist Bodily Injury (UM/UIM)
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What is the average cost of car insurance in Texas?

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 $1,142 per year, on average—all while enjoying simple, fair car insurance.

What our customers tell us

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Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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