Car Insurance in Texas
Texas car insurance rates reset every renewal, and loyalty rarely pays. One application lets me compare full coverage and liability auto insurance across 150+ carriers — the same shopping process whether you're in Houston, DFW, San Antonio, Austin, or Corpus Christi.
What car coverage includes
- Bodily injury and property damage liability above the Texas 30/60/25 minimum
- Full coverage: collision and comprehensive with deductibles that fit your budget
- Uninsured and underinsured motorist protection
- Personal injury protection and medical payments
- Roadside assistance, rental reimbursement, and gap coverage add-ons
Why use an independent agent
I'm not captive to one company. As an account executive with Goosehead Insurance, the #1 personal lines brokerage in Texas, I shop your policy across 150+ carriers, explain the trade-offs in plain language, and stay your single point of contact for renewals and claims.
Questions first? Call or text 346-333-0046.
Start your car quote
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- 1Your info
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- 3Send it over
Car insurance FAQs
What is full coverage car insurance in Texas?
"Full coverage" isn't a policy you buy — it's shorthand for liability plus collision plus comprehensive. If you have a loan or lease, your lender requires that combination. I quote it alongside liability-only so you can see the actual price difference.
What is the minimum car insurance required in Texas?
Texas requires 30/60/25: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Those limits are low relative to what a serious accident costs, so I usually price higher limits too — the jump is often only a few dollars a month.
How much is car insurance in Texas?
Texas drivers commonly pay around $1,900–$2,600 a year for full coverage and far less for liability only, but city, driving record, vehicle, and credit move the number a lot. Rates in Houston and Dallas typically run higher than in Amarillo or Abilene.
How do I get cheap car insurance in Texas without losing coverage?
Shop the whole market instead of one brand, bundle with home or renters, raise deductibles you can actually afford, and claim every discount you qualify for. Because I'm independent, I can do all of that in one pass rather than one carrier at a time.
Car insurance across Texas
I'm licensed statewide (Texas License #3530322) and write car insurance for clients in Houston, Dallas–Fort Worth, San Antonio, Austin, Corpus Christi, El Paso, Galveston, Lubbock, Amarillo, Waco, Beaumont, Laredo, Brownsville, Abilene, Midland, Arlington, Garland, and Plano — plus every town in between. Same application, same carrier panel, wherever you are in Texas.
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