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.
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 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 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 can save up to 52%. It's easy. Just download the app to get started.