Your Guide to Auto Insurance in Texas

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Driving in Texas means having the right auto insurance to stay protected on the road. Whether you’re a new driver or thinking about switching policies, knowing the basics of Texas auto insurance can help you make the best choice.

Texas Auto Insurance Requirements

Texas law requires drivers to carry a minimum level of liability insurance, often called 30/60/25 coverage:

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

This covers damages or injuries you cause to others but doesn’t pay for your own car repairs or medical bills.

Types of Auto Insurance Coverage

To better protect yourself, consider additional coverage options:

  1. Collision Coverage – Covers damage to your car from an accident, regardless of fault.
  2. Comprehensive Coverage – Protects against theft, vandalism, and weather damage.
  3. Uninsured/Underinsured Motorist Coverage – Helps if you’re hit by someone with little or no insurance.
  4. Personal Injury Protection (PIP) – Pays for medical bills and lost wages after an accident.
  5. Medical Payments (MedPay) – Similar to PIP but with more limited coverage.
  6. Gap Insurance – Covers the difference if you owe more on your car loan than the car’s actual value.

What Affects Your Auto Insurance Rate?

Several factors impact your auto insurance costs, including:

  • Driving Record – Fewer accidents and violations mean lower rates.
  • Age and Gender – Younger drivers usually pay more.
  • Location – Cities like Houston and Dallas tend to have higher rates due to traffic and accidents.
  • Credit Score – A higher credit score often leads to lower premiums.
  • Vehicle Type – Luxury or high-performance cars cost more to insure.

Ways to Save on Auto Insurance in Texas

Looking for lower rates? Here are some tips:

  • Compare Quotes – Get multiple quotes to find the best deal.
  • Bundle Policies – Combining auto and home insurance can save money.
  • Raise Your Deductible – A higher deductible means a lower premium, but you’ll pay more out of pocket in case of a claim.
  • Take a Defensive Driving Course – Some insurers offer discounts for completing an approved course.
  • Improve Your Credit Score – Better credit can help you secure lower rates.
  • Look for Discounts – Ask about discounts for good driving, low mileage, or being a student with good grades.

Final Thoughts

Auto insurance in Texas isn’t just a legal requirement, it’s a smart way to protect yourself financially. Understanding coverage options and shopping around can help you find the best policy for your needs.

If you’re searching for affordable auto insurance, start by comparing quotes and checking for discounts. Safe driving and staying informed can help you get the best deal while keeping you protected on the road.

Have questions? Give us a call at (469) 447-5500.