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Find the lowest auto insurance rates in Texas. Get fast free quotes and save up to 40% on TX liability and full coverage policies. We shop and find the cheapest prices from the top companies so you can save money. Whether you are driving without coverage and your prior policy lapsed, or you just want to lower your premium, we can help. The least expensive options are just a click away.
Getting your free quote and comparing multiple Texas carriers is quick, painless, and a little fun! Since we may be able to reduce your premium (and perhaps also increase your coverage), you'll spend less for your policy. By providing your zip code at the top of the page, you can instantly view your best options. Of course, there is no obligation or cost, and personal and financial information is not collected.
Affordable coverage for Seniors, teenagers, uninsured persons, and all other drivers is just minutes away. Learn how to stay protected on the road at the least possible cost. Lone Star State premiums are less expensive than you may realize, since the number of reported accidents has decreased in recent years. Your savings will vary, depending on your driving record, and the type of vehicle you own.
The law stipulates that you must pay all damages caused by an accident that is your fault. Naturally, the easiest and most popular option is to purchase a car insurance policy through a highly-rated company. This proof of financial responsibility can protect against other drivers suing you as well as damages to your own vehicle. You can choose coverage limits that fit within your budget, and also change them at the anniversary renewal of your policy. All vehicles on the same policy must carry the same limits.
The lowest allowed limits are $30,000 for each injured person, $60,000 per accident, and a separate $25,000 for property damage. These limits are commonly referred to as your "bodily injury and property damage" limits. Common covered expenses are medical bills, lost wages, pain and suffering, damages to vehicles, and any court-awarded punitive damages. However, higher levels should always be considered when you review your policy. The next level of $50,000/$100,000/$50,000 would not necessarily substantially raise your premium. $100,000/$300,000/$50,000 is a very common level of benefits.
Optional Coverage
There are also many optional coverages that should always be considered. They include:
Personal Injury Protection (PIP) -- medical payments coverage (see below) with an extra payment of up to 80% of caregiver expenses and unrecoverable income and wages. $2,500 is the smallest amount that will be offered. You can accept or reject this coverage. However, if rejected, the request must be written.
Medical Expenses Are Covered Under Your Texas Car Insurance Policy
Medical Payments -- Passengers and other family members in the vehicle are covered for medical and funeral expenses regardless of who caused the accident. Although they may already have private or employer-provided healthcare benefits, they can still be reimbursed. Eligibility for Marketplace plans and/or federal subsidies does not impact your medical payments coverage.
Uninsured and Underinsured Motorists -- Commonly referred to as "UM" and "UIM," if the negligent party in the accident either did not have enough coverage or was uninsured, these two options will help you recover money that ordinarily would not be available. A $250 deductible applies and you are not required to purchase either benefit. The property damage coverage can pay for damaged items in your vehicle, and substitute transportation.
Rental Reimbursement And Towing -- If you need a substitute vehicle for any extended period of time or require your disabled vehicle to be towed, you know it can be expensive. Many policies automatically include these options. Also, AAA and several credit cards may also cover some of the expenses. However, there may be a cap on the number of days (30-45) or the reimbursement per day ($15-$40).
Collision -- Generally required if you are financing or leasing your vehicle. Since it covers physical damage, you should include this on your policy if your vehicle is less than 10 years old. The most common deductible is either $250 or $500. Deductible options under $250 are typically not cost-effective. $1,000 deductibles are popular since the money saved often offsets out-of-pocket costs when an accident occurs. However, if you have more than one accident every 7-10 years, this concept does not work.
Comprehensive -- Also required if you lease or purchase a vehicle. Fire, theft, and vandalism are the most common claims. Deductibles usually range from $0 (full coverage) to $250. Older vehicles often have comprehensive coverage, but the collision is removed, since the value as substantially depreciated. Glass breakage is a very common claim, and many carriers offer a rider that waives the deductible.
How Long Does It Take To Get Free Quotes?
Not long at all. After entering your zip code, you'll immediately be presented with the companies that have the lowest rates in your immediate area. The quote engine is updated each day and the TX State prices you view are always current.
, will, of course, be the least expensive option. However, for newer vehicles and/or financed vehicles, you will need full coverage. Many different deductible options are available, including cost-saving $1,000 and $2,500 options.
Once you pick the carrier (or a few carriers), after answering a few basic questions, you can review the offers and compare them to your current policy. Naturally, not everyone will save money, but many persons save as much as 30%-50%. Of course there is never an obligation or cost to compare prices. Depending on the carrier, you may be able to obtain coverage the same day, and print your ID cards and declarations page from home or work. If you need paperwork faxed or emailed, only a simple request is needed.
Which Companies Offer The Best Rates?
There is not one right answer to this question since there are so many different scenarios regarding driving record, zip code, county, ages of drivers, ages of vehicles, liability limits, deductible amounts etc... It is not uncommon to see one specific carrier offer extremely low rates in Dallas and Waco, but have very high prices in Austin and Tyler.
However, we listed below the 12 companies that typically offer very cheap policies in the state. Just remember that there is still a probability that a carrier not listed may also offer very competitive premiums.
Progressive Rates In Texas Are Often Very Low
USAA
Farmers
Allstate
Progressive
Geico
AAA
Fireman's Fund
Amica
Foremost
AIG
Farm Bureau
State Farm
Cheapest TX Counties
Most carriers utilize a county or zip code rating system (or both) to help determine the correct premium to charge. Typically, rural counties offer lower rates, but there are many exceptions. Listed below are the 25 Counties that usually have the lowest prices to cover your vehicles. NOTE: The list is in alphabetical order, and not by level of savings.
Atascosa
Bell
Brazos
Brewster
Crane
Deaf Smith
Fayette
Frio
Hale
Haskell
Jackson
Kleberg
Lamb
McLennan
Mitchell
Presidio
Refugio
Scurry
Taylor
Terrell
Terry
Tom Green
Upton
Ward
Winkler
Texas Department Of Motor Vehicles (TxDMV)
The TxDMV offers a plethora of free services for Lone Star State residents. Whether you need to renew a registration or title, replace a lost license, or order specialty license plates, they can help. Many of the services can be accomplished online or through the mail or fax. Some of the more common services include:
Registration Of Vehicle -- Inspection must be passed, and valid sticker must be visible at all times. Duplicate registration stickers can be ordered if the original has been lost.
Insurance Verification -- Automated database checks and verifies that owners have the required mandatory liability coverage. If required limits are increased, ample time and notification will be provided.
Title Check -- Before you buy a vehicle, you can have the VIN number checked to ensure it was not rebuilt, salvaged, or suffered water damage from a flood. The National Motor Vehicle Title Information System (NMVTIS) can easily save you thousands of dollars in repairs and loss of value.
The Texas Lemon Law Can Protect You Against A Bad Vehicle Purchase
Lemon Law -- Repeated mechanical (and other) problems may mean your car is eligible for repair, replacement, or repurchased back. The manufacturer must be given the chance to properly repair the issue within a reasonable amount of time. However, if you are not satisfied with the resolution offer, additional steps can be taken. It make take a few months, but eventually, your vehicle will be properly repaired or replaced.
Specialty License Plate -- Incredibly, there are more than 300 options. Among the choices you may not have known existed include American Legion, Boy Scouts, Dallas Cowboys, Fight Terrorism, Houston Dynamo, Knights Of Columbus, Log Loader, Merchant Marine, NASCAR, Organ Donor, Prisoner Of War, Space Shuttle Columbia, Texas Realtors, Volunteer Firefighter, and YMCA. Sorry, but TV shows and Disney characters are not available...yet.
Change A Lien -- If you refinance or pay off your vehicle, there is specific paperwork that will document and apply the change. Without it, you may not be able to transfer the title. Once completed, you can remove collision and comprehensive coverage from your policy. However, you may want to check the value of the vehicle first, since placing "liability only" benefits will be taking a large financial risk.
Special Services For Military Personnel -- Active and Retired personnel, along with their families, are eligible for a streamlines process of transferring your vehicle, inspections, and obtaining military plates. Non-residents that are serving in Texas, can register vehicles in a local county tax office. Additional help and assistance are found on the DMV website.
Off-Highway Vehicles -- Neighborhood electric vehicles (NEV) and low-speed vehicles (LSV) also must adhere to federal and state laws. Although they can only operate at a maximum of 35 mph, they still must be equipped with seat belts, parking brake, turn signals, an ID number, windshield, and rear-view mirrors.
What Is The Texas Automobile Insurance Plan Association (TAIPA)?
is governed by the TX Department of insurance and was created to help consumers that can not find a company that will cover them. To qualify for a policy through TAIPA, you must be refused by at least two separate carriers within the last 60 days, possess a valid driver's license, and either live in Texas or own a vehicle that is registered in the state. NOTE: An international driver's license is also considered valid.
The minimum state required liability limits of $30,000 per person, $60,000 per accident, and $25,000 of property damage are standard benefits. PIP of $2,500 and uninsured motorists protection of $30,000/$60,000/$25,000 is also included. You can not request coverage lower than the state minimums.
When submitted electronically, the policy can be effective the next day with a payment. An annual billing is available although you can also divide premium into eight installments with a 20% down-payment. A cashier's check, money order, finance company check. and bank check are acceptable.
If you have an at-fault accident, the rate will increase by 20%. Typically, incidences that are not your fault d not impact the premium. Moving violations are also surcharged although the collision and comprehensive portions of the policy are not impacted.
I Just Moved Here. What Do I Need To Do?
With so many people moving to the Lone Star State, this is a very common question. Typically, you have 30 days to register your car or truck. An inspection must be completed by a certified station. You will have to pay a small fee at that time. You may also have to prove that you meet the TX minimum liability requirements that were previously discussed. A copy of your declarations page will suffice.
License plates and a current registration will also be needed to legally operate the automobile. Form 130-U may be required along with proof of ownership, insurance coverage, and registration. The fee to register is about $55, and you may also be required to pay your inspection and state sales tax fees.
Finally, you are given three months to obtain a Texas driver's license (if you don't already have one). The process is quick and easy. However, if you have not completed the steps within 90 days, you are not authorized to drive a vehicle in the state.
Additional Information
Who has the biggest Texas car insurance market share? The most recent statistics are available and we listed below the 12 carriers with the most written premiums:
State Farm Allstate Farmers Geico (BH) Progressive USAA Home State Colonial County Mutual Liberty County Mutual Old American County Texas Farm Bureau Consumers County
The Top-12 carriers with the biggest homeowner's insurance market share are also listed below:
State Farm Texas Farmers Allstate USAA Safeco Liberty Insurance ASI Lloyds Texas Farm Bureau Chubb Travelers Foremost Amica
Additional News -- Rideshare drivers in Texas will have more protection beginning in 2016. New legislation requires the operator or the ridesharing company to maintain specific minimum liability coverage. Also, the specific company that is hiring the drivers must also assume liability for lapsed or terminated policies, and coverage that was not sufficient to pay a claim.
Although Lyft and Uber meet the new legislative guidelines, several other companies will be forced to provide higher levels of liability protection. Since collision (physical damage) is generally not covered by private policies, large out-of-pocket expenses could result from serious accidents. However, selected companies offer gap benefits that will help pay for those losses.
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