Affordable, quality car insurance in Texas
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.
State requirements for auto insurance 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 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
(including glass coverage)
(included with every Root policy)
What is the average cost of car insurance in Texas?
Drivers in Texas pay an average of $2,050 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.